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Predatory lending refers to the practice of unscrupulous lenders, enticing borrowers to enter into "unsafe" or "unsound" secured loans for inappropriate purposes. A classic bait-and-switch method was used by Countrywide Financial, advertising low interest rates for home refinancing. Such loans were written into extensively detailed contracts, and swapped for more expensive loan products on the day of closing. Whereas the advertisement might state that 1% or 1.5% interest would be charged, the consumer would be put into an adjustable rate mortgage (ARM) in which the interest charged would be greater than the amount of interest paid. This created negative amortization, which the credit consumer might not notice until long after the loan transaction had been consummated.
What type predatory lending method did Countrywide Financial use?
A: classic bait-and-switch

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St Helena Online is a not-for-profit internet news service run from the UK by a former print and BBC journalist, working in partnership with Saint FM and the St Helena Independent.
Who runs Saint Helena online?
A: a former print and BBC journalist

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In 2002, Queen's "Bohemian Rhapsody" was voted "the UK's favourite hit of all time" in a poll conducted by the Guinness World Records British Hit Singles Book. In 2004 the song was inducted into the Grammy Hall of Fame. Many scholars consider the "Bohemian Rhapsody" music video ground-breaking, and credit it with popularising the medium. Rock historian Paul Fowles states the song is "widely credited as the first global hit single for which an accompanying video was central to the marketing strategy". It has been hailed as launching the MTV age. Acclaimed for their stadium rock, in 2005 an industry poll ranked Queen's performance at Live Aid in 1985 as the best live act in history. In 2007, they were also voted the greatest British band in history by BBC Radio 2 listeners.
What song was voted the UK's favorite hit of all time in 2002?
A: Bohemian Rhapsody

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Many of NARA's most requested records are frequently used for genealogy research. This includes census records from 1790 to 1930, ships' passenger lists, and naturalization records.
What is the farthest year you can go back when studying your genealogy?
A:
unanswerable