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In November 2008, economist Dean Baker observed: "There is a really good reason for tighter credit. Tens of millions of homeowners who had substantial equity in their homes two years ago have little or nothing today. Businesses are facing the worst downturn since the Great Depression. This matters for credit decisions. A homeowner with equity in her home is very unlikely to default on a car loan or credit card debt. They will draw on this equity rather than lose their car and/or have a default placed on their credit record. On the other hand, a homeowner who has no equity is a serious default risk. In the case of businesses, their creditworthiness depends on their future profits. Profit prospects look much worse in November 2008 than they did in November 2007... While many banks are obviously at the brink, consumers and businesses would be facing a much harder time getting credit right now even if the financial system were rock solid. The problem with the economy is the loss of close to $6 trillion in housing wealth and an even larger amount of stock wealth.

According to economist Dean Baker, a homeowner who has no equity if this type default risk?
Answer: serious
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Red was also a badge of rank. During the Song dynasty (9061279), officials of the top three ranks wore purple clothes; those of the fourth and fifth wore bright red; those of the sixth and seventh wore green; and the eighth and ninth wore blue. Red was the color worn by the royal guards of honor, and the color of the carriages of the imperial family. When the imperial family traveled, their servants and accompanying officials carried red and purple umbrellas. Of an official who had talent and ambition, it was said "he is so red he becomes purple."

Which number of ranks wore purple clothing in the Song dynasty?
Answer: three
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Early reviews were mixed in their assessment. Ken Tucker of Entertainment Weekly considered that "As TV, American Idol is crazily entertaining; as music, it's dust-mote inconsequential". Others, however, thought that "the most striking aspect of the series was the genuine talent it revealed". It was also described as a "sadistic musical bake-off", and "a romp in humiliation". Other aspects of the show have attracted criticisms. The product placement in the show in particular was noted, and some critics were harsh about what they perceived as its blatant commercial calculations Karla Peterson of The San Diego Union-Tribune charged that American Idol is "a conniving multimedia monster" that has "absorbed the sin of our debauched culture and spit them out in a lump of reconstituted evil". The decision to send the season one winner to sing the national anthem at the Lincoln Memorial on the first anniversary of the September 11 attacks in 2002 was also poorly received by many. Lisa de Moraes of The Washington Post noted sarcastically that "The terrorists have won" and, with a sideswipe at the show's commercialism and voting process, that the decision as to who "gets to turn this important site into just another cog in the 'Great American Idol Marketing Mandala' is in the hands of the millions of girls who have made American Idol a hit. Them and a handful of phone-redialer geeks who have been clocking up to 10,000 calls each week for their contestant of choice (but who, according to Fox, are in absolutely no way skewing the outcome)."

Which journalist felt Idol produced entertaining TV more than entertaining music?
Answer:
Ken Tucker