Question: Who ended this longest home skid?

Answer: Tennessee

<hl> TITANS 42, JAGUARS 39 Tennessee ended the N.F.L.’s longest home skid at 11 games. <hl> The Titans had not won on their own field since Oct. 12, 2014, when a blocked field-goal attempt helped them beat, coincidentally, Jacksonville. This time, the teams combined for six touchdowns in the fourth quarter. Only one game since 1940 has featured more in a fourth quarter, according to Stats L.L.C. The Jaguars’ Blake Bortles threw for 322 yards and five touchdowns, setting a franchise record for touchdown passes in a season (27).

TITANS 42, JAGUARS 39 <hl> Tennessee <hl> ended the N.F.L.’s longest home skid at 11 games. The Titans had not won on their own field since Oct. 12, 2014, when a blocked field-goal attempt helped them beat, coincidentally, Jacksonville. This time, the teams combined for six touchdowns in the fourth quarter. Only one game since 1940 has featured more in a fourth quarter, according to Stats L.L.C. The Jaguars’ Blake Bortles threw for 322 yards and five touchdowns, setting a franchise record for touchdown passes in a season (27).


Question: What is the name of the Tennessee team?

TITANS 42, JAGUARS 39 Tennessee ended the N.F.L.’s longest home skid at 11 games. The Titans had not won on their own field since Oct. 12, 2014, when a blocked field-goal attempt helped them beat, coincidentally, Jacksonville. This time, the teams combined for six touchdowns in the fourth quarter. Only one game since 1940 has featured more in a fourth quarter, according to Stats L.L.C. The Jaguars’ Blake Bortles threw for 322 yards and five touchdowns, setting a franchise record for touchdown passes in a season (27).

Answer: Titans

TITANS 42, JAGUARS 39 Tennessee ended the N.F.L.’s longest home skid at 11 games. <hl> The Titans had not won on their own field since Oct. 12, 2014, when a blocked field-goal attempt helped them beat, coincidentally, Jacksonville. <hl> This time, the teams combined for six touchdowns in the fourth quarter. Only one game since 1940 has featured more in a fourth quarter, according to Stats L.L.C. The Jaguars’ Blake Bortles threw for 322 yards and five touchdowns, setting a franchise record for touchdown passes in a season (27).

TITANS 42, JAGUARS 39 Tennessee ended the N.F.L.’s longest home skid at 11 games. The <hl> Titans <hl> had not won on their own field since Oct. 12, 2014, when a blocked field-goal attempt helped them beat, coincidentally, Jacksonville. This time, the teams combined for six touchdowns in the fourth quarter. Only one game since 1940 has featured more in a fourth quarter, according to Stats L.L.C. The Jaguars’ Blake Bortles threw for 322 yards and five touchdowns, setting a franchise record for touchdown passes in a season (27).


Question: How many touchdowns were there in the fourth quarter?

Answer: six touchdowns

TITANS 42, JAGUARS 39 Tennessee ended the N.F.L.’s longest home skid at 11 games. The Titans had not won on their own field since Oct. 12, 2014, when a blocked field-goal attempt helped them beat, coincidentally, Jacksonville. <hl> This time, the teams combined for six touchdowns in the fourth quarter. <hl> Only one game since 1940 has featured more in a fourth quarter, according to Stats L.L.C. The Jaguars’ Blake Bortles threw for 322 yards and five touchdowns, setting a franchise record for touchdown passes in a season (27).

TITANS 42, JAGUARS 39 Tennessee ended the N.F.L.’s longest home skid at 11 games. The Titans had not won on their own field since Oct. 12, 2014, when a blocked field-goal attempt helped them beat, coincidentally, Jacksonville. This time, the teams combined for <hl> six touchdowns <hl> in the fourth quarter. Only one game since 1940 has featured more in a fourth quarter, according to Stats L.L.C. The Jaguars’ Blake Bortles threw for 322 yards and five touchdowns, setting a franchise record for touchdown passes in a season (27).


Question: This has been the most touchdowns in fourth quarter since what year?

Answer: 1940

TITANS 42, JAGUARS 39 Tennessee ended the N.F.L.’s longest home skid at 11 games. The Titans had not won on their own field since Oct. 12, 2014, when a blocked field-goal attempt helped them beat, coincidentally, Jacksonville. This time, the teams combined for six touchdowns in the fourth quarter. <hl> Only one game since 1940 has featured more in a fourth quarter, according to Stats L.L.C. The Jaguars’ Blake Bortles threw for 322 yards and five touchdowns, setting a franchise record for touchdown passes in a season (27). <hl>

TITANS 42, JAGUARS 39 Tennessee ended the N.F.L.’s longest home skid at 11 games. The Titans had not won on their own field since Oct. 12, 2014, when a blocked field-goal attempt helped them beat, coincidentally, Jacksonville. This time, the teams combined for six touchdowns in the fourth quarter. Only one game since <hl> 1940 <hl> has featured more in a fourth quarter, according to Stats L.L.C. The Jaguars’ Blake Bortles threw for 322 yards and five touchdowns, setting a franchise record for touchdown passes in a season (27).


Question: Who wants gay superheros to be normal?

Phil Jimenez, an artist known for his work on Wonder Woman and the Amazing Spider-Man comics, says that many readers no longer want to see the effeminate stereotype of the gay man in comics. Instead, they want gay superheroes to embody normative behavior — to live as typical males. “As long as the dude is dude enough, then he’s acceptable,” he said. Mr. Jimenez, who was recently featured on an  installment of the PBS Digital Studios series “First Person” that looked at queerness in comics, applauded efforts by mainstream publishers to reach gay and lesbian readers, saying it was a smart business move.

Answer: many readers

<hl> Phil Jimenez, an artist known for his work on Wonder Woman and the Amazing Spider-Man comics, says that many readers no longer want to see the effeminate stereotype of the gay man in comics. <hl> Instead, they want gay superheroes to embody normative behavior — to live as typical males. “As long as the dude is dude enough, then he’s acceptable,” he said. Mr. Jimenez, who was recently featured on an installment of the PBS Digital Studios series “First Person” that looked at queerness in comics, applauded efforts by mainstream publishers to reach gay and lesbian readers, saying it was a smart business move.

Phil Jimenez, an artist known for his work on Wonder Woman and the Amazing Spider-Man comics, says that <hl> many readers <hl> no longer want to see the effeminate stereotype of the gay man in comics. Instead, they want gay superheroes to embody normative behavior — to live as typical males. “As long as the dude is dude enough, then he’s acceptable,” he said. Mr. Jimenez, who was recently featured on an installment of the PBS Digital Studios series “First Person” that looked at queerness in comics, applauded efforts by mainstream publishers to reach gay and lesbian readers, saying it was a smart business move.


Question: Who is the artist for Wonder Woman and Spider-man?

Answer: Phil Jimenez

<hl> Phil Jimenez , an artist known for his work on Wonder Woman and the Amazing Spider-Man comics, says that many readers no longer want to see the effeminate stereotype of the gay man in comics. <hl> Instead, they want gay superheroes to embody normative behavior — to live as typical males. “As long as the dude is dude enough, then he’s acceptable,” he said. Mr. Jimenez, who was recently featured on an installment of the PBS Digital Studios series “First Person” that looked at queerness in comics, applauded efforts by mainstream publishers to reach gay and lesbian readers, saying it was a smart business move.

<hl> Phil Jimenez <hl>, an artist known for his work on Wonder Woman and the Amazing Spider-Man comics, says that many readers no longer want to see the effeminate stereotype of the gay man in comics. Instead, they want gay superheroes to embody normative behavior — to live as typical males. “As long as the dude is dude enough, then he’s acceptable,” he said. Mr. Jimenez, who was recently featured on an installment of the PBS Digital Studios series “First Person” that looked at queerness in comics, applauded efforts by mainstream publishers to reach gay and lesbian readers, saying it was a smart business move.

<hl> Phil Jimenez <hl> , an artist known for his work on Wonder Woman and the Amazing Spider-Man comics, says that many readers no longer want to see the effeminate stereotype of the gay man in comics.


Question: What is a smart business move?

Answer: reach gay and lesbian readers

Phil Jimenez, an artist known for his work on Wonder Woman and the Amazing Spider-Man comics, says that many readers no longer want to see the effeminate stereotype of the gay man in comics. Instead, they want gay superheroes to embody normative behavior — to live as typical males. “As long as the dude is dude enough, then he’s acceptable,” he said. <hl> Mr. Jimenez, who was recently featured on an installment of the PBS Digital Studios series “First Person” that looked at queerness in comics, applauded efforts by mainstream publishers to reach gay and lesbian readers , saying it was a smart business move. <hl>

Phil Jimenez, an artist known for his work on Wonder Woman and the Amazing Spider-Man comics, says that many readers no longer want to see the effeminate stereotype of the gay man in comics. Instead, they want gay superheroes to embody normative behavior — to live as typical males. “As long as the dude is dude enough, then he’s acceptable,” he said. Mr. Jimenez, who was recently featured on an installment of the PBS Digital Studios series “First Person” that looked at queerness in comics, applauded efforts by mainstream publishers to <hl> reach gay and lesbian readers <hl>, saying it was a smart business move.

Mr. Jimenez, who was recently featured on an installment of the PBS Digital Studios series “First Person” that looked at queerness in comics, applauded efforts by mainstream publishers to <hl> reach gay and lesbian readers <hl> , saying it was a smart business move.


Question: What studio featured "First Person"?

Answer: PBS Digital Studios

Phil Jimenez, an artist known for his work on Wonder Woman and the Amazing Spider-Man comics, says that many readers no longer want to see the effeminate stereotype of the gay man in comics. Instead, they want gay superheroes to embody normative behavior — to live as typical males. “As long as the dude is dude enough, then he’s acceptable,” he said. <hl> Mr. Jimenez, who was recently featured on an installment of the PBS Digital Studios series “First Person” that looked at queerness in comics, applauded efforts by mainstream publishers to reach gay and lesbian readers, saying it was a smart business move. <hl>

Phil Jimenez, an artist known for his work on Wonder Woman and the Amazing Spider-Man comics, says that many readers no longer want to see the effeminate stereotype of the gay man in comics. Instead, they want gay superheroes to embody normative behavior — to live as typical males. “As long as the dude is dude enough, then he’s acceptable,” he said. Mr. Jimenez, who was recently featured on an installment of the <hl> PBS Digital Studios <hl> series “First Person” that looked at queerness in comics, applauded efforts by mainstream publishers to reach gay and lesbian readers, saying it was a smart business move.


Question: What benefits all readers?

Diverse storytelling benefits all readers, gay or straight, Mr. Griepp of ICv2 said. “A good story is enjoyable to everybody,” he said, pointing to the steady sales for Alison Bechdel’s graphic memoir “Fun Home” as an example. The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in 2007, he said. Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. Jon Goldwater felt the need to modernize Archie Comics when he came aboard as publisher. “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in 2010, eventually giving Kevin his own series. “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”

Answer: Diverse storytelling

<hl> Diverse storytelling benefits all readers, gay or straight, Mr. Griepp of ICv2 said. <hl> “A good story is enjoyable to everybody,” he said, pointing to the steady sales for Alison Bechdel’s graphic memoir “Fun Home” as an example. The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in 2007, he said. Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. Jon Goldwater felt the need to modernize Archie Comics when he came aboard as publisher. “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in 2010, eventually giving Kevin his own series. “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”

<hl> Diverse storytelling <hl> benefits all readers, gay or straight, Mr. Griepp of ICv2 said. “A good story is enjoyable to everybody,” he said, pointing to the steady sales for Alison Bechdel’s graphic memoir “Fun Home” as an example. The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in 2007, he said. Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. Jon Goldwater felt the need to modernize Archie Comics when he came aboard as publisher. “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in 2010, eventually giving Kevin his own series. “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”


Question: Who designed the graphic memoir "Fun Home"?

Answer: Alison Bechdel

Diverse storytelling benefits all readers, gay or straight, Mr. Griepp of ICv2 said. <hl> “A good story is enjoyable to everybody,” he said, pointing to the steady sales for Alison Bechdel ’s graphic memoir “Fun Home” as an example. <hl> The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in 2007, he said. Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. Jon Goldwater felt the need to modernize Archie Comics when he came aboard as publisher. “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in 2010, eventually giving Kevin his own series. “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”

Diverse storytelling benefits all readers, gay or straight, Mr. Griepp of ICv2 said. “A good story is enjoyable to everybody,” he said, pointing to the steady sales for <hl> Alison Bechdel <hl>’s graphic memoir “Fun Home” as an example. The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in 2007, he said. Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. Jon Goldwater felt the need to modernize Archie Comics when he came aboard as publisher. “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in 2010, eventually giving Kevin his own series. “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”

“A good story is enjoyable to everybody,” he said, pointing to the steady sales for <hl> Alison Bechdel <hl> ’s graphic memoir “Fun Home” as an example.


Question: When was Fun Home released?

Answer: 2007

Diverse storytelling benefits all readers, gay or straight, Mr. Griepp of ICv2 said. “A good story is enjoyable to everybody,” he said, pointing to the steady sales for Alison Bechdel’s graphic memoir “Fun Home” as an example. <hl> The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in 2007 , he said. <hl> Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. Jon Goldwater felt the need to modernize Archie Comics when he came aboard as publisher. “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in 2010, eventually giving Kevin his own series. “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”

Diverse storytelling benefits all readers, gay or straight, Mr. Griepp of ICv2 said. “A good story is enjoyable to everybody,” he said, pointing to the steady sales for Alison Bechdel’s graphic memoir “Fun Home” as an example. The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in <hl> 2007 <hl>, he said. Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. Jon Goldwater felt the need to modernize Archie Comics when he came aboard as publisher. “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in 2010, eventually giving Kevin his own series. “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”

The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in <hl> 2007 <hl> , he said.


Question: Who is the publisher of Archie Comics?

Answer: Jon Goldwater

Diverse storytelling benefits all readers, gay or straight, Mr. Griepp of ICv2 said. “A good story is enjoyable to everybody,” he said, pointing to the steady sales for Alison Bechdel’s graphic memoir “Fun Home” as an example. The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in 2007, he said. Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. <hl> Jon Goldwater felt the need to modernize Archie Comics when he came aboard as publisher. <hl> “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in 2010, eventually giving Kevin his own series. “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”

Diverse storytelling benefits all readers, gay or straight, Mr. Griepp of ICv2 said. “A good story is enjoyable to everybody,” he said, pointing to the steady sales for Alison Bechdel’s graphic memoir “Fun Home” as an example. The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in 2007, he said. Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. <hl> Jon Goldwater <hl> felt the need to modernize Archie Comics when he came aboard as publisher. “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in 2010, eventually giving Kevin his own series. “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”


Question: When was Kevin Keller wrote in?

Answer: 2010,

Diverse storytelling benefits all readers, gay or straight, Mr. Griepp of ICv2 said. “A good story is enjoyable to everybody,” he said, pointing to the steady sales for Alison Bechdel’s graphic memoir “Fun Home” as an example. The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in 2007, he said. Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. Jon Goldwater felt the need to modernize Archie Comics when he came aboard as publisher. <hl> “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in 2010, eventually giving Kevin his own series. <hl> “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”

Diverse storytelling benefits all readers, gay or straight, Mr. Griepp of ICv2 said. “A good story is enjoyable to everybody,” he said, pointing to the steady sales for Alison Bechdel’s graphic memoir “Fun Home” as an example. The book, about a lesbian cartoonist and her closeted gay father, has been a best seller since its release in 2007, he said. Adapted for the stage, “Fun Home” won five Tony Awards in June, including one for best musical. Jon Goldwater felt the need to modernize Archie Comics when he came aboard as publisher. “It was crystal clear that Archie was not diverse,” he said, so he introduced Kevin Keller, a gay character, in <hl> 2010, <hl> eventually giving Kevin his own series. “It was a cultural decision and business decision,” Mr. Goldwater said. “They go hand in hand.”


Question: What is being aimed at young readers?

The trend to portray true-to-life gay characters in works intended for a wider audience extends to comic books aimed at younger readers, too. Published by an imprint of Boom! Studios, Lumberjanes is a series about the summer camp experiences of five girls, two of whom have a crush on each other. “We wanted to have queer characters but not oversexualize them,” says Shannon Watters, an editor at Boom! Studios and a creator of Lumberjanes, adding that she wants to represent regular children at an age when they are figuring out who they are. “The normalization of queer young people was important,” she said. Ms. Watters said she appreciated the efforts of more mainstream publications to do the same. “It is very encouraging to see the decisions that DC and Marvel have made in giving marginalized creators more of platform to tell their stories,” she said, “but we still have a long way to go.”

Answer: portray true-to-life gay characters

<hl> The trend to portray true-to-life gay characters in works intended for a wider audience extends to comic books aimed at younger readers, too. <hl> Published by an imprint of Boom! Studios, Lumberjanes is a series about the summer camp experiences of five girls, two of whom have a crush on each other. “We wanted to have queer characters but not oversexualize them,” says Shannon Watters, an editor at Boom! Studios and a creator of Lumberjanes, adding that she wants to represent regular children at an age when they are figuring out who they are. “The normalization of queer young people was important,” she said. Ms. Watters said she appreciated the efforts of more mainstream publications to do the same. “It is very encouraging to see the decisions that DC and Marvel have made in giving marginalized creators more of platform to tell their stories,” she said, “but we still have a long way to go.”

The trend to <hl> portray true-to-life gay characters <hl> in works intended for a wider audience extends to comic books aimed at younger readers, too. Published by an imprint of Boom! Studios, Lumberjanes is a series about the summer camp experiences of five girls, two of whom have a crush on each other. “We wanted to have queer characters but not oversexualize them,” says Shannon Watters, an editor at Boom! Studios and a creator of Lumberjanes, adding that she wants to represent regular children at an age when they are figuring out who they are. “The normalization of queer young people was important,” she said. Ms. Watters said she appreciated the efforts of more mainstream publications to do the same. “It is very encouraging to see the decisions that DC and Marvel have made in giving marginalized creators more of platform to tell their stories,” she said, “but we still have a long way to go.”


Question: Who is the editor at Boom!

Answer: Shannon Watters

The trend to portray true-to-life gay characters in works intended for a wider audience extends to comic books aimed at younger readers, too. Published by an imprint of Boom! Studios, Lumberjanes is a series about the summer camp experiences of five girls, two of whom have a crush on each other. <hl> “We wanted to have queer characters but not oversexualize them,” says Shannon Watters , an editor at Boom! <hl> Studios and a creator of Lumberjanes, adding that she wants to represent regular children at an age when they are figuring out who they are. “The normalization of queer young people was important,” she said. Ms. Watters said she appreciated the efforts of more mainstream publications to do the same. “It is very encouraging to see the decisions that DC and Marvel have made in giving marginalized creators more of platform to tell their stories,” she said, “but we still have a long way to go.”

The trend to portray true-to-life gay characters in works intended for a wider audience extends to comic books aimed at younger readers, too. Published by an imprint of Boom! Studios, Lumberjanes is a series about the summer camp experiences of five girls, two of whom have a crush on each other. “We wanted to have queer characters but not oversexualize them,” says <hl> Shannon Watters <hl>, an editor at Boom! Studios and a creator of Lumberjanes, adding that she wants to represent regular children at an age when they are figuring out who they are. “The normalization of queer young people was important,” she said. Ms. Watters said she appreciated the efforts of more mainstream publications to do the same. “It is very encouraging to see the decisions that DC and Marvel have made in giving marginalized creators more of platform to tell their stories,” she said, “but we still have a long way to go.”

“We wanted to have queer characters but not oversexualize them,” says <hl> Shannon Watters <hl> , an editor at Boom!


Question: Who created Lumberjanes?

Answer: Shannon Watters

The trend to portray true-to-life gay characters in works intended for a wider audience extends to comic books aimed at younger readers, too. Published by an imprint of Boom! Studios, Lumberjanes is a series about the summer camp experiences of five girls, two of whom have a crush on each other. <hl> “We wanted to have queer characters but not oversexualize them,” says Shannon Watters , an editor at Boom! <hl> Studios and a creator of Lumberjanes, adding that she wants to represent regular children at an age when they are figuring out who they are. “The normalization of queer young people was important,” she said. Ms. Watters said she appreciated the efforts of more mainstream publications to do the same. “It is very encouraging to see the decisions that DC and Marvel have made in giving marginalized creators more of platform to tell their stories,” she said, “but we still have a long way to go.”

The trend to portray true-to-life gay characters in works intended for a wider audience extends to comic books aimed at younger readers, too. Published by an imprint of Boom! Studios, Lumberjanes is a series about the summer camp experiences of five girls, two of whom have a crush on each other. “We wanted to have queer characters but not oversexualize them,” says <hl> Shannon Watters <hl>, an editor at Boom! Studios and a creator of Lumberjanes, adding that she wants to represent regular children at an age when they are figuring out who they are. “The normalization of queer young people was important,” she said. Ms. Watters said she appreciated the efforts of more mainstream publications to do the same. “It is very encouraging to see the decisions that DC and Marvel have made in giving marginalized creators more of platform to tell their stories,” she said, “but we still have a long way to go.”

“We wanted to have queer characters but not oversexualize them,” says <hl> Shannon Watters <hl> , an editor at Boom!


Question: What series is about summer camp and 5 girls?

Answer: Lumberjanes

The trend to portray true-to-life gay characters in works intended for a wider audience extends to comic books aimed at younger readers, too. Published by an imprint of Boom! <hl> Studios, Lumberjanes is a series about the summer camp experiences of five girls, two of whom have a crush on each other. <hl> “We wanted to have queer characters but not oversexualize them,” says Shannon Watters, an editor at Boom! Studios and a creator of Lumberjanes, adding that she wants to represent regular children at an age when they are figuring out who they are. “The normalization of queer young people was important,” she said. Ms. Watters said she appreciated the efforts of more mainstream publications to do the same. “It is very encouraging to see the decisions that DC and Marvel have made in giving marginalized creators more of platform to tell their stories,” she said, “but we still have a long way to go.”

The trend to portray true-to-life gay characters in works intended for a wider audience extends to comic books aimed at younger readers, too. Published by an imprint of Boom! Studios, <hl> Lumberjanes <hl> is a series about the summer camp experiences of five girls, two of whom have a crush on each other. “We wanted to have queer characters but not oversexualize them,” says Shannon Watters, an editor at Boom! Studios and a creator of Lumberjanes, adding that she wants to represent regular children at an age when they are figuring out who they are. “The normalization of queer young people was important,” she said. Ms. Watters said she appreciated the efforts of more mainstream publications to do the same. “It is very encouraging to see the decisions that DC and Marvel have made in giving marginalized creators more of platform to tell their stories,” she said, “but we still have a long way to go.”


Question: Which disease has the greatest health care cost in the last five years of life?

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. The most expensive, by far, was dementia. The study looked at patients on Medicare. The average total cost of care for a person with dementia over those five years was $287,038. For a patient who died of heart disease it was $175,136. For a cancer patient it was $173,383. Medicare paid almost the same amount for patients with each of those diseases — close to $100,000 — but dementia patients had many more expenses that were not covered.

Answer: dementia

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. <hl> The most expensive, by far, was dementia . <hl> The study looked at patients on Medicare. The average total cost of care for a person with dementia over those five years was $287,038. For a patient who died of heart disease it was $175,136. For a cancer patient it was $173,383. Medicare paid almost the same amount for patients with each of those diseases — close to $100,000 — but dementia patients had many more expenses that were not covered.

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. The most expensive, by far, was <hl> dementia <hl>. The study looked at patients on Medicare. The average total cost of care for a person with dementia over those five years was $287,038. For a patient who died of heart disease it was $175,136. For a cancer patient it was $173,383. Medicare paid almost the same amount for patients with each of those diseases — close to $100,000 — but dementia patients had many more expenses that were not covered.

The most expensive, by far, was <hl> dementia <hl> .


Question: How much was the average care of cost for a patient who died of heart disease?

Answer: $175,136

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. The most expensive, by far, was dementia. The study looked at patients on Medicare. The average total cost of care for a person with dementia over those five years was $287,038. <hl> For a patient who died of heart disease it was $175,136 . <hl> For a cancer patient it was $173,383. Medicare paid almost the same amount for patients with each of those diseases — close to $100,000 — but dementia patients had many more expenses that were not covered.

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. The most expensive, by far, was dementia. The study looked at patients on Medicare. The average total cost of care for a person with dementia over those five years was $287,038. For a patient who died of heart disease it was <hl> $175,136 <hl>. For a cancer patient it was $173,383. Medicare paid almost the same amount for patients with each of those diseases — close to $100,000 — but dementia patients had many more expenses that were not covered.

For a patient who died of heart disease it was <hl> $175,136 <hl> .


Question: What was the average cost of care for a person with dementia for their final five years of life?

Answer: $287,038

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. The most expensive, by far, was dementia. The study looked at patients on Medicare. <hl> The average total cost of care for a person with dementia over those five years was $287,038 . <hl> For a patient who died of heart disease it was $175,136. For a cancer patient it was $173,383. Medicare paid almost the same amount for patients with each of those diseases — close to $100,000 — but dementia patients had many more expenses that were not covered.

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. The most expensive, by far, was dementia. The study looked at patients on Medicare. The average total cost of care for a person with dementia over those five years was <hl> $287,038 <hl>. For a patient who died of heart disease it was $175,136. For a cancer patient it was $173,383. Medicare paid almost the same amount for patients with each of those diseases — close to $100,000 — but dementia patients had many more expenses that were not covered.

The average total cost of care for a person with dementia over those five years was <hl> $287,038 <hl> .


Question: How much was the average cost of care for a cancer patient?

Answer: $173,383

For a cancer patient it was $173,383 .

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. The most expensive, by far, was dementia. The study looked at patients on Medicare. The average total cost of care for a person with dementia over those five years was $287,038. For a patient who died of heart disease it was $175,136. <hl> For a cancer patient it was $173,383 . <hl> Medicare paid almost the same amount for patients with each of those diseases — close to $100,000 — but dementia patients had many more expenses that were not covered.

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. The most expensive, by far, was dementia. The study looked at patients on Medicare. The average total cost of care for a person with dementia over those five years was $287,038. For a patient who died of heart disease it was $175,136. For a cancer patient it was <hl> $173,383 <hl>. Medicare paid almost the same amount for patients with each of those diseases — close to $100,000 — but dementia patients had many more expenses that were not covered.

For a cancer patient it was <hl> $173,383 <hl> .


Question: How much does Medicare pay out to those with dementia, heart disease or cancer?

Answer: close to $100,000

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. The most expensive, by far, was dementia. The study looked at patients on Medicare. The average total cost of care for a person with dementia over those five years was $287,038. For a patient who died of heart disease it was $175,136. For a cancer patient it was $173,383. <hl> Medicare paid almost the same amount for patients with each of those diseases — close to $100,000 — but dementia patients had many more expenses that were not covered. <hl>

So when a group of researchers asked which of these diseases involved the greatest health care costs in the last five years of life, the answer they found might seem surprising. The most expensive, by far, was dementia. The study looked at patients on Medicare. The average total cost of care for a person with dementia over those five years was $287,038. For a patient who died of heart disease it was $175,136. For a cancer patient it was $173,383. Medicare paid almost the same amount for patients with each of those diseases — <hl> close to $100,000 <hl> — but dementia patients had many more expenses that were not covered.


Question: What is the average out-of-pocket cost for a patient with dementia?

On average, the out-of-pocket cost for a patient with dementia was $61,522 — more than 80 percent higher than the cost for someone with heart disease or cancer. The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. None of those costs were covered by Medicare. For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a geriatrician at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the University of California in San Francisco. “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”

Answer: $61,522

<hl> On average, the out-of-pocket cost for a patient with dementia was $61,522 — more than 80 percent higher than the cost for someone with heart disease or cancer. <hl> The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. None of those costs were covered by Medicare. For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a geriatrician at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the University of California in San Francisco. “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”

On average, the out-of-pocket cost for a patient with dementia was <hl> $61,522 <hl> — more than 80 percent higher than the cost for someone with heart disease or cancer. The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. None of those costs were covered by Medicare. For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a geriatrician at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the University of California in San Francisco. “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”


Question: How much higher are out of pocket cost for a dementia patient than one with heart disease or cancer?

Answer: more than 80 percent

<hl> On average, the out-of-pocket cost for a patient with dementia was $61,522 — more than 80 percent higher than the cost for someone with heart disease or cancer. <hl> The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. None of those costs were covered by Medicare. For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a geriatrician at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the University of California in San Francisco. “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”

On average, the out-of-pocket cost for a patient with dementia was $61,522 — <hl> more than 80 percent <hl> higher than the cost for someone with heart disease or cancer. The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. None of those costs were covered by Medicare. For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a geriatrician at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the University of California in San Francisco. “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”


Question: How much of caregiver care is reimbursed by Medicare?

Answer: None

On average, the out-of-pocket cost for a patient with dementia was $61,522 — more than 80 percent higher than the cost for someone with heart disease or cancer. The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. <hl> None of those costs were covered by Medicare. <hl> For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a geriatrician at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the University of California in San Francisco. “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”

On average, the out-of-pocket cost for a patient with dementia was $61,522 — more than 80 percent higher than the cost for someone with heart disease or cancer. The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. <hl> None <hl> of those costs were covered by Medicare. For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a geriatrician at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the University of California in San Francisco. “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”


Question: What is Dr. Amy S Kelley's medical specialty?

Answer: geriatrician

On average, the out-of-pocket cost for a patient with dementia was $61,522 — more than 80 percent higher than the cost for someone with heart disease or cancer. The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. None of those costs were covered by Medicare. <hl> For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a geriatrician at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. <hl> “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the University of California in San Francisco. “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”

On average, the out-of-pocket cost for a patient with dementia was $61,522 — more than 80 percent higher than the cost for someone with heart disease or cancer. The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. None of those costs were covered by Medicare. For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a <hl> geriatrician <hl> at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the University of California in San Francisco. “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”


Question: Where does Dr. Kenneth Covinsky practice?

Answer: University of California

On average, the out-of-pocket cost for a patient with dementia was $61,522 — more than 80 percent higher than the cost for someone with heart disease or cancer. The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. None of those costs were covered by Medicare. For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a geriatrician at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. <hl> “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the University of California in San Francisco. <hl> “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”

On average, the out-of-pocket cost for a patient with dementia was $61,522 — more than 80 percent higher than the cost for someone with heart disease or cancer. The reason is that dementia patients need caregivers to watch them, help with basic activities like eating, dressing and bathing, and provide constant supervision to make sure they do not wander off or harm themselves. None of those costs were covered by Medicare. For many families, the cost of caring for a dementia patient often “consumed almost their entire household wealth,” said Dr. Amy S. Kelley, a geriatrician at Icahn School of Medicine at Mt. Sinai in New York and the lead author of the paper published on Monday in the Annals of Internal Medicine. “It’s stunning that people who start out with the least end up with even less,” said Dr. Kenneth Covinsky, a geriatrician at the <hl> University of California <hl> in San Francisco. “It’s scary. And they haven’t even counted some of the costs, like the daughter who gave up time from work and is losing part of her retirement and her children’s college fund.”


Question: How long do dementia patients require constant care?

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. Dementia patients, in contrast, need constant care for years. They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. More than half of patients with dementia — and three-quarters of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. Then Medicaid, the federal-state program for low-income people, takes over. “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. Dr. Benson lives in a nursing home in Webster Groves, Mo., because Mrs. Benson can no longer care for him. The first home he lived in cost $6,000 a month. Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.

Answer: for years

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. <hl> Dementia patients, in contrast, need constant care for years . <hl> They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. More than half of patients with dementia — and three-quarters of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. Then Medicaid, the federal-state program for low-income people, takes over. “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. Dr. Benson lives in a nursing home in Webster Groves, Mo., because Mrs. Benson can no longer care for him. The first home he lived in cost $6,000 a month. Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. Dementia patients, in contrast, need constant care <hl> for years <hl>. They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. More than half of patients with dementia — and three-quarters of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. Then Medicaid, the federal-state program for low-income people, takes over. “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. Dr. Benson lives in a nursing home in Webster Groves, Mo., because Mrs. Benson can no longer care for him. The first home he lived in cost $6,000 a month. Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.

Dementia patients, in contrast, need constant care <hl> for years <hl> .


Question: What percentage of racial minority dementia patients use savings until nothing is left?

Answer: three-quarters

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. Dementia patients, in contrast, need constant care for years. They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. <hl> More than half of patients with dementia — and three-quarters of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. <hl> Then Medicaid, the federal-state program for low-income people, takes over. “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. Dr. Benson lives in a nursing home in Webster Groves, Mo., because Mrs. Benson can no longer care for him. The first home he lived in cost $6,000 a month. Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. Dementia patients, in contrast, need constant care for years. They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. More than half of patients with dementia — and <hl> three-quarters <hl> of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. Then Medicaid, the federal-state program for low-income people, takes over. “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. Dr. Benson lives in a nursing home in Webster Groves, Mo., because Mrs. Benson can no longer care for him. The first home he lived in cost $6,000 a month. Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.


Question: What takes over payment once a dementia patients savings are depleted?

Answer: Medicaid

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. Dementia patients, in contrast, need constant care for years. They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. More than half of patients with dementia — and three-quarters of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. <hl> Then Medicaid , the federal-state program for low-income people, takes over. <hl> “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. Dr. Benson lives in a nursing home in Webster Groves, Mo., because Mrs. Benson can no longer care for him. The first home he lived in cost $6,000 a month. Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. Dementia patients, in contrast, need constant care for years. They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. More than half of patients with dementia — and three-quarters of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. Then <hl> Medicaid <hl>, the federal-state program for low-income people, takes over. “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. Dr. Benson lives in a nursing home in Webster Groves, Mo., because Mrs. Benson can no longer care for him. The first home he lived in cost $6,000 a month. Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.

Then <hl> Medicaid <hl> , the federal-state program for low-income people, takes over.


Question: Where is the nursing home Dr. Benson lives?

Answer: Webster Groves, Mo

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. Dementia patients, in contrast, need constant care for years. They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. More than half of patients with dementia — and three-quarters of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. Then Medicaid, the federal-state program for low-income people, takes over. “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. <hl> Dr. Benson lives in a nursing home in Webster Groves, Mo ., because Mrs. Benson can no longer care for him. <hl> The first home he lived in cost $6,000 a month. Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. Dementia patients, in contrast, need constant care for years. They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. More than half of patients with dementia — and three-quarters of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. Then Medicaid, the federal-state program for low-income people, takes over. “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. Dr. Benson lives in a nursing home in <hl> Webster Groves, Mo <hl>., because Mrs. Benson can no longer care for him. The first home he lived in cost $6,000 a month. Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.

Dr. Benson lives in a nursing home in <hl> Webster Groves, Mo <hl> ., because Mrs. Benson can no longer care for him.


Question: How much did Dr. Benson's first nursing home cost per month?

Answer: $6,000

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. Dementia patients, in contrast, need constant care for years. They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. More than half of patients with dementia — and three-quarters of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. Then Medicaid, the federal-state program for low-income people, takes over. “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. Dr. Benson lives in a nursing home in Webster Groves, Mo., because Mrs. Benson can no longer care for him. <hl> The first home he lived in cost $6,000 a month. <hl> Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.

The reason for the big disparities in out-of-pocket costs for the three diseases, Dr. Kelley said, is that Medicare covers discrete medical services like office visits and acute care such as hospitalization and surgery. Expenses for cancer patients and heart patients tend to be of that sort. They often do not need full-time home or nursing home care until the very end of their life, if at all, so do not have that continuing cost. Dementia patients, in contrast, need constant care for years. They may not be sick enough for a nursing home but cannot be left alone. When they are sick enough for a nursing home, that cost is not covered by health insurance. More than half of patients with dementia — and three-quarters of those from racial minorities — spend down, using savings to pay for the nursing home until nothing is left. Then Medicaid, the federal-state program for low-income people, takes over. “It’s a terribly expensive disease,” said Virginia Benson, whose 91-year-old husband, George, a psychiatrist and psychoanalyst, has Alzheimer’s. Dr. Benson lives in a nursing home in Webster Groves, Mo., because Mrs. Benson can no longer care for him. The first home he lived in cost <hl> $6,000 <hl> a month. Mrs. Benson found a less expensive one for veterans that cost $2,000 a month. After a two-year wait, he got in.


Question: How much of her own money did Ms. Olson spend on her mother's care?

She spent about $65,000 of her own money and her mother’s in the five years before her mother died. As for her mother’s money, by the time she died, “it was gone,” Ms. Olson said. John Rakis, a consultant in New York, spent more than $189,000 in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. He promised his wife, who died in January 2013, that he would take care of her mother. She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”

Answer: about $65,000

<hl> She spent about $65,000 of her own money and her mother’s in the five years before her mother died. <hl> As for her mother’s money, by the time she died, “it was gone,” Ms. Olson said. John Rakis, a consultant in New York, spent more than $189,000 in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. He promised his wife, who died in January 2013, that he would take care of her mother. She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”

She spent <hl> about $65,000 <hl> of her own money and her mother’s in the five years before her mother died. As for her mother’s money, by the time she died, “it was gone,” Ms. Olson said. John Rakis, a consultant in New York, spent more than $189,000 in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. He promised his wife, who died in January 2013, that he would take care of her mother. She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”


Question: What happened to Ms. Olson's money by the time she died?

Answer: it was gone

She spent about $65,000 of her own money and her mother’s in the five years before her mother died. <hl> As for her mother’s money, by the time she died, “ it was gone ,” Ms. Olson said. <hl> John Rakis, a consultant in New York, spent more than $189,000 in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. He promised his wife, who died in January 2013, that he would take care of her mother. She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”

She spent about $65,000 of her own money and her mother’s in the five years before her mother died. As for her mother’s money, by the time she died, “<hl> it was gone <hl>,” Ms. Olson said. John Rakis, a consultant in New York, spent more than $189,000 in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. He promised his wife, who died in January 2013, that he would take care of her mother. She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”

As for her mother’s money, by the time she died, “ <hl> it was gone <hl> ,” Ms. Olson said.


Question: How much did John Rakis spend on care for his mother-in-law?

Answer: more than $189,000

She spent about $65,000 of her own money and her mother’s in the five years before her mother died. As for her mother’s money, by the time she died, “it was gone,” Ms. Olson said. <hl> John Rakis, a consultant in New York, spent more than $189,000 in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. <hl> He promised his wife, who died in January 2013, that he would take care of her mother. She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”

She spent about $65,000 of her own money and her mother’s in the five years before her mother died. As for her mother’s money, by the time she died, “it was gone,” Ms. Olson said. John Rakis, a consultant in New York, spent <hl> more than $189,000 <hl> in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. He promised his wife, who died in January 2013, that he would take care of her mother. She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”


Question: When did John Rakis wife die?

Answer: January 2013

She spent about $65,000 of her own money and her mother’s in the five years before her mother died. As for her mother’s money, by the time she died, “it was gone,” Ms. Olson said. John Rakis, a consultant in New York, spent more than $189,000 in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. <hl> He promised his wife, who died in January 2013 , that he would take care of her mother. <hl> She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”

She spent about $65,000 of her own money and her mother’s in the five years before her mother died. As for her mother’s money, by the time she died, “it was gone,” Ms. Olson said. John Rakis, a consultant in New York, spent more than $189,000 in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. He promised his wife, who died in <hl> January 2013 <hl>, that he would take care of her mother. She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”

He promised his wife, who died in <hl> January 2013 <hl> , that he would take care of her mother.


Question: What did he promise his wife when she died?

Answer: he would take care of her mother

She spent about $65,000 of her own money and her mother’s in the five years before her mother died. As for her mother’s money, by the time she died, “it was gone,” Ms. Olson said. John Rakis, a consultant in New York, spent more than $189,000 in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. <hl> He promised his wife, who died in January 2013, that he would take care of her mother . <hl> She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”

She spent about $65,000 of her own money and her mother’s in the five years before her mother died. As for her mother’s money, by the time she died, “it was gone,” Ms. Olson said. John Rakis, a consultant in New York, spent more than $189,000 in less than two years for caregivers and other expenses for his mother-in-law, 92, who has dementia and lives in a housing project in Manhattan. He promised his wife, who died in January 2013, that <hl> he would take care of her mother <hl>. She left a portion of her life insurance and death benefit money to her mother, and Mr. Rakis spent it on her care. Until it was gone. “The money ran out in June,” Mr. Rakis said. “I was losing sleep.”

He promised his wife, who died in January 2013, that <hl> he would take care of her mother <hl> .


Question: What do these products allow borrowers to do?

These products allow borrowers to close on a short-term construction loan, which covers the building phase, and the longer-term permanent financing in one transaction. This all-in-one option is more convenient and less expensive than separate closings. But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. Lender nervousness might ease in coming months, however. After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to Oct. 1 from Aug. 1. The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. The new rules are intended to make the mortgage process more transparent for consumers, mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.

Answer: close on a short-term construction loan

<hl> These products allow borrowers to close on a short-term construction loan , which covers the building phase, and the longer-term permanent financing in one transaction. <hl> This all-in-one option is more convenient and less expensive than separate closings. But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. Lender nervousness might ease in coming months, however. After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to Oct. 1 from Aug. 1. The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. The new rules are intended to make the mortgage process more transparent for consumers, mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.

These products allow borrowers to <hl> close on a short-term construction loan <hl>, which covers the building phase, and the longer-term permanent financing in one transaction. This all-in-one option is more convenient and less expensive than separate closings. But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. Lender nervousness might ease in coming months, however. After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to Oct. 1 from Aug. 1. The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. The new rules are intended to make the mortgage process more transparent for consumers, mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.

These products allow borrowers to <hl> close on a short-term construction loan <hl> , which covers the building phase, and the longer-term permanent financing in one transaction.


Question: What is better about the all-in-one option?

Answer: more convenient and less expensive than separate closings

These products allow borrowers to close on a short-term construction loan, which covers the building phase, and the longer-term permanent financing in one transaction. <hl> This all-in-one option is more convenient and less expensive than separate closings . <hl> But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. Lender nervousness might ease in coming months, however. After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to Oct. 1 from Aug. 1. The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. The new rules are intended to make the mortgage process more transparent for consumers, mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.

These products allow borrowers to close on a short-term construction loan, which covers the building phase, and the longer-term permanent financing in one transaction. This all-in-one option is <hl> more convenient and less expensive than separate closings <hl>. But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. Lender nervousness might ease in coming months, however. After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to Oct. 1 from Aug. 1. The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. The new rules are intended to make the mortgage process more transparent for consumers, mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.

This all-in-one option is <hl> more convenient and less expensive than separate closings <hl> .


Question: What feeling among lenders might ease in the coming months?

Answer: nervousness

These products allow borrowers to close on a short-term construction loan, which covers the building phase, and the longer-term permanent financing in one transaction. This all-in-one option is more convenient and less expensive than separate closings. But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. <hl> Lender nervousness might ease in coming months, however. <hl> After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to Oct. 1 from Aug. 1. The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. The new rules are intended to make the mortgage process more transparent for consumers, mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.

These products allow borrowers to close on a short-term construction loan, which covers the building phase, and the longer-term permanent financing in one transaction. This all-in-one option is more convenient and less expensive than separate closings. But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. Lender <hl> nervousness <hl> might ease in coming months, however. After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to Oct. 1 from Aug. 1. The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. The new rules are intended to make the mortgage process more transparent for consumers, mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.


Question: To which new date was the implementation postponed?

Answer: Oct. 1

These products allow borrowers to close on a short-term construction loan, which covers the building phase, and the longer-term permanent financing in one transaction. This all-in-one option is more convenient and less expensive than separate closings. But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. Lender nervousness might ease in coming months, however. <hl> After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to Oct. 1 from Aug. 1. <hl> The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. The new rules are intended to make the mortgage process more transparent for consumers, mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.

These products allow borrowers to close on a short-term construction loan, which covers the building phase, and the longer-term permanent financing in one transaction. This all-in-one option is more convenient and less expensive than separate closings. But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. Lender nervousness might ease in coming months, however. After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to <hl> Oct. 1 <hl> from Aug. 1. The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. The new rules are intended to make the mortgage process more transparent for consumers, mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.


Question: What are the new rules intended to accomplish?

Answer: to make the mortgage process more transparent for consumers

These products allow borrowers to close on a short-term construction loan, which covers the building phase, and the longer-term permanent financing in one transaction. This all-in-one option is more convenient and less expensive than separate closings. But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. Lender nervousness might ease in coming months, however. After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to Oct. 1 from Aug. 1. The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. <hl> The new rules are intended to make the mortgage process more transparent for consumers , mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. <hl> The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.

These products allow borrowers to close on a short-term construction loan, which covers the building phase, and the longer-term permanent financing in one transaction. This all-in-one option is more convenient and less expensive than separate closings. But it is still unclear how lenders are supposed to handle the disclosure for these loans under the new regulations, as well as for stand-alone construction loans, according to Mr. Weinberg. “And whenever there are gray areas, lenders move away from the margins to make sure they don’t cause compliance violations,” Mr. Weinberg said. Lender nervousness might ease in coming months, however. After pressure from industry leaders, who warned that lenders weren’t ready for the massive change and that consumers might suffer, the bureau announced plans to postpone the implementation date to Oct. 1 from Aug. 1. The bureau’s director, Richard Cordray, also said that once the rules go into effect, he would allow for a good-faith enforcement grace period as lenders adjust. The new rules are intended <hl> to make the mortgage process more transparent for consumers <hl>, mainly by providing them with simpler forms and giving them more time to review final loan terms before closing. The nearly 1,900-page rules integrate the Truth in Lending and Real Estate Settlement Procedures Acts.

The new rules are intended <hl> to make the mortgage process more transparent for consumers <hl> , mainly by providing them with simpler forms and giving them more time to review final loan terms before closing.


Question: How long are most short-term loans?

The issue is that short-term financing like construction loans, which are usually 12 months or less, is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules. Lenders need more guidance on the form these disclosures should take, Mr. Weinberg said.

Answer: 12 months or less

<hl> The issue is that short-term financing like construction loans, which are usually 12 months or less , is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules. <hl> Lenders need more guidance on the form these disclosures should take, Mr. Weinberg said.

The issue is that short-term financing like construction loans, which are usually <hl> 12 months or less <hl>, is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules. Lenders need more guidance on the form these disclosures should take, Mr. Weinberg said.

The issue is that short-term financing like construction loans, which are usually <hl> 12 months or less <hl> , is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules.


Question: What is short-term financing exempt from?

Answer: existing disclosure requirements under the Real Estate Settlement Procedures Act

<hl> The issue is that short-term financing like construction loans, which are usually 12 months or less, is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act , but disclosure requirements would apply under the new rules. <hl> Lenders need more guidance on the form these disclosures should take, Mr. Weinberg said.

The issue is that short-term financing like construction loans, which are usually 12 months or less, is exempt from <hl> existing disclosure requirements under the Real Estate Settlement Procedures Act <hl>, but disclosure requirements would apply under the new rules. Lenders need more guidance on the form these disclosures should take, Mr. Weinberg said.

The issue is that short-term financing like construction loans, which are usually 12 months or less, is exempt from <hl> existing disclosure requirements under the Real Estate Settlement Procedures Act <hl> , but disclosure requirements would apply under the new rules.


Question: What type of requirements would apply under the new rules?

Answer: disclosure

<hl> The issue is that short-term financing like construction loans, which are usually 12 months or less, is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules. <hl> Lenders need more guidance on the form these disclosures should take, Mr. Weinberg said.

The issue is that short-term financing like construction loans, which are usually 12 months or less, is exempt from existing <hl> disclosure <hl> requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules. Lenders need more guidance on the form these disclosures should take, Mr. Weinberg said.


Question: Mr. Weinberg believes that lenders will need more guidance about what?

Answer: the form these disclosures should take

The issue is that short-term financing like construction loans, which are usually 12 months or less, is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules. <hl> Lenders need more guidance on the form these disclosures should take , Mr. Weinberg said. <hl>

The issue is that short-term financing like construction loans, which are usually 12 months or less, is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules. Lenders need more guidance on <hl> the form these disclosures should take <hl>, Mr. Weinberg said.

Lenders need more guidance on <hl> the form these disclosures should take <hl> , Mr. Weinberg said.


Question: What is one common type of short-term financing?

Answer: construction loans

<hl> The issue is that short-term financing like construction loans , which are usually 12 months or less, is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules. <hl> Lenders need more guidance on the form these disclosures should take, Mr. Weinberg said.

The issue is that short-term financing like <hl> construction loans <hl>, which are usually 12 months or less, is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules. Lenders need more guidance on the form these disclosures should take, Mr. Weinberg said.

The issue is that short-term financing like <hl> construction loans <hl> , which are usually 12 months or less, is exempt from existing disclosure requirements under the Real Estate Settlement Procedures Act, but disclosure requirements would apply under the new rules.


Question: Whose skill does Girardi complement?

“I wasn’t sure what to expect in spring training,” Girardi said last week. “But Alex is a worker and he knows how to play the game. And he’s been a really smart player for a long period of time, so if there’s anyone who can figure it out quickly, it would be Alex.” Rodriguez’s performance has moved him into the good graces of many, but not all, Yankees fans. On the road, Rodriguez has been booed, though it often seems as if it is a matter of course. As Rodriguez noted recently, he has been a popular villain since 2001, when he signed a then-record $252 million free-agent contract with the Texas Rangers.

Answer: Rodriguez’s

“I wasn’t sure what to expect in spring training,” Girardi said last week. “But Alex is a worker and he knows how to play the game. <hl> And he’s been a really smart player for a long period of time, so if there’s anyone who can figure it out quickly, it would be Alex.” Rodriguez’s performance has moved him into the good graces of many, but not all, Yankees fans. <hl> On the road, Rodriguez has been booed, though it often seems as if it is a matter of course. As Rodriguez noted recently, he has been a popular villain since 2001, when he signed a then-record $252 million free-agent contract with the Texas Rangers.

“I wasn’t sure what to expect in spring training,” Girardi said last week. “But Alex is a worker and he knows how to play the game. And he’s been a really smart player for a long period of time, so if there’s anyone who can figure it out quickly, it would be Alex.” <hl> Rodriguez’s <hl> performance has moved him into the good graces of many, but not all, Yankees fans. On the road, Rodriguez has been booed, though it often seems as if it is a matter of course. As Rodriguez noted recently, he has been a popular villain since 2001, when he signed a then-record $252 million free-agent contract with the Texas Rangers.


Question: According to the author, which fanbase has strong feelings about Rodriguez?

Answer: Yankees fans

“I wasn’t sure what to expect in spring training,” Girardi said last week. “But Alex is a worker and he knows how to play the game. And he’s been a really smart player for a long period of time, so if there’s anyone who can figure it out quickly, it would be Alex.” <hl> Rodriguez’s performance has moved him into the good graces of many, but not all, Yankees fans . <hl> On the road, Rodriguez has been booed, though it often seems as if it is a matter of course. As Rodriguez noted recently, he has been a popular villain since 2001, when he signed a then-record $252 million free-agent contract with the Texas Rangers.

“I wasn’t sure what to expect in spring training,” Girardi said last week. “But Alex is a worker and he knows how to play the game. And he’s been a really smart player for a long period of time, so if there’s anyone who can figure it out quickly, it would be Alex.” Rodriguez’s performance has moved him into the good graces of many, but not all, <hl> Yankees fans <hl>. On the road, Rodriguez has been booed, though it often seems as if it is a matter of course. As Rodriguez noted recently, he has been a popular villain since 2001, when he signed a then-record $252 million free-agent contract with the Texas Rangers.

Rodriguez’s performance has moved him into the good graces of many, but not all, <hl> Yankees fans <hl> .


Question: Which moniker has Rodriguez accepted from fans?

Answer: villain

“I wasn’t sure what to expect in spring training,” Girardi said last week. “But Alex is a worker and he knows how to play the game. And he’s been a really smart player for a long period of time, so if there’s anyone who can figure it out quickly, it would be Alex.” Rodriguez’s performance has moved him into the good graces of many, but not all, Yankees fans. On the road, Rodriguez has been booed, though it often seems as if it is a matter of course. <hl> As Rodriguez noted recently, he has been a popular villain since 2001, when he signed a then-record $252 million free-agent contract with the Texas Rangers. <hl>

“I wasn’t sure what to expect in spring training,” Girardi said last week. “But Alex is a worker and he knows how to play the game. And he’s been a really smart player for a long period of time, so if there’s anyone who can figure it out quickly, it would be Alex.” Rodriguez’s performance has moved him into the good graces of many, but not all, Yankees fans. On the road, Rodriguez has been booed, though it often seems as if it is a matter of course. As Rodriguez noted recently, he has been a popular <hl> villain <hl> since 2001, when he signed a then-record $252 million free-agent contract with the Texas Rangers.