By September 2008, average U.S. housing prices had declined by over 20% from their mid-2006 peak. As prices declined, borrowers with adjustable-rate mortgages could not refinance to avoid the higher payments associated with rising interest rates and began to default. During 2007, lenders began foreclosure proceedings on nearly 1.3 million properties, a 79% increase over 2006. This increased to 2.3 million in 2008, an 81% increase vs. 2007. By August 2008, 9.2% of all U.S. mortgages outstanding were either delinquent or in foreclosure. By September 2009, this had risen to 14.4%.
How many foreclosure proceedings were initiated by lenders in 2007?
nearly 1.3 million

The critic Joseph Bedier (18641938) launched a particularly withering attack on stemmatics in 1928. He surveyed editions of medieval French texts that were produced with the stemmatic method, and found that textual critics tended overwhelmingly to produce trees divided into just two branches. He concluded that this outcome was unlikely to have occurred by chance, and that therefore, the method was tending to produce bipartite stemmas regardless of the actual history of the witnesses. He suspected that editors tended to favor trees with two branches, as this would maximize the opportunities for editorial judgment (as there would be no third branch to "break the tie" whenever the witnesses disagreed). He also noted that, for many works, more than one reasonable stemma could be postulated, suggesting that the method was not as rigorous or as scientific as its proponents had claimed.
To what did Joseph Bedier attribute the prevalence of the stemmatic method?
editors tended to favor trees with two branches

In 1903, Brigham Young Academy was dissolved, and was replaced by two institutions: Brigham Young High School, and Brigham Young University. (The BY High School class of 1907 was ultimately responsible for the famous giant "Y" that is to this day embedded on a mountain near campus.) The Board elected George H. Brimhall as the new President of BYU. He had not received a high school education until he was forty. Nevertheless, he was an excellent orator and organizer. Under his tenure in 1904 the new Brigham Young University bought 17 acres (69,000 m2) of land from Provo called "Temple Hill". After some controversy among locals over BYU's purchase of this property, construction began in 1909 on the first building on the current campus, the Karl G. Maeser Memorial. Brimhall also presided over the University during a brief crisis involving the theory of evolution. The religious nature of the school seemed at the time to collide with this scientific theory. Joseph F. Smith, LDS Church president, settled the question for a time by asking that evolution not be taught at the school. A few have described the school at this time as nothing more than a "religious seminary". However, many of its graduates at this time would go on to great success and become well renowned in their fields.
At what age did BYU's elected president in 1904, George H. Brimhall, receive his high school education?
forty