The ripple effects of a market collapse would be severe, and taxpayers would potentially be on the hook for losses posted by failed mortgage companies. In addition to loans backed by the FHA or VA, the government is exposed through Ginnie Mae, the federal agency that provides payment guarantees when mortgages are pooled and sold as securities to investors. The mortgage companies are supposed to bear the losses if these securitized loans go bad. But if those companies go under, the government “will probably bear the majority of the increased credit and operational losses,” the paper concludes. Ginnie Mae is especially vulnerable because almost 60 percent of the dollar volume of the mortgages it guarantees comes from nonbank lenders.

Pennsylvania is one of 41 states where some counties and cities use election equipment that is more than a decade old, according to the New York University School of Law’s Brennan Center for Justice. Older machines are more likely to malfunction or break down on Election Day, causing long lines and potentially dissuading some people from casting their ballots. Some older machines also are susceptible to wireless malware attacks, even if they are not directly connected to the internet, or have removable memory devices a hacker might manipulate.

Ferida Wolff writes: It’s hard to ignore the changes that are taking place across the world. The atmosphere is heating up, causing glaciers to melt, oceans to rise, more floods, and fires in drier lands. And yet, we can still have snow at the beginning of Spring. It reminds me not to take anything for granted. Trees are so strong and impressive yet they, too, are part of the progression of life. Even as we plan for the future we can live moment to moment along the way. Which is good to remember because another rain/snow storm is expected tomorrow.

Bills Introduced: A resolution recognizing the heritage, culture, and contributions of American Indian, Alaska Native, and Native Hawaiian women in the United States; A bill to reauthorize programs authorized under the Debbie Smith Act of 2004; A bill to direct the Secretary of Homeland Security to develop educational materials relating to human trafficking in schools; A bill to provide rental assistance to low-income tenants of certain multi-family rural housing projects, and for other purposes.  

“Consumers are fed up with illegal robocalls that disturb their privacy and often pitch scams,” said Acting FTC Chairman Ohlhausen. “We’re going to expand our fight against this scourge through initiatives like the upcoming Technology Expo and Policy Forum, which amplify our impact through close coordination with the FCC and other partners.” “Scam robocalls and deceptive spoofing are real threats to American consumers, and they are the number one consumer complaint at the FCC,” said FCC Chairman Pai. “We’re committed to confronting this problem using every tool we have. I’m pleased to announce these efforts in our continued work with the FTC to protect consumers.”

Websites you may not have discovered: Historic American newspapers; Discussing concepts including the wisdom of crowds and the law of large numbers; the four songs that accompanied that song in the Billboard's top five; history of computer dating is much older than many people realize; 'Black Broadway,' a city within a city;" discussions of concepts of the wisdom of crowds and the law of large numbers; enriching the experience of visiting a museum or gallery; keeping current with updates from all over the web can present a challenge and Conscientious Photography Magazine; the Academic Family Tree and 37 "lessons, activities, exhibitions, videos and tools that can be used to teach students about women's history in America"

Sonya Zalubowski writes: I go into the bedroom, to check on Joey. He’s curled in a ball in his little bed. He only half-raises his head. Weaker than just a day ago. His nose is dry, hot. Sharp in my chest when I try to draw a deep breath. It hits me. The foolishness that I could even try to outrace both our maladies. That they won’t catch up with us before we reach the county line. That Joey would die in even more pain. That I will experience even more myself of the burning grind of my bone on bone hip.

She likes to say that she slept through the last 13 years of her life, and indeed, much of it is a blur: Abusive relationship. His-and-her arrests for domestic violence. Meth habit. A period of quasi-homelessness. A 37-day stint in jail for petty theft. She’s newly sober. She’s off cash assistance. She’s got a job temping and a place to call her own. She wants to work in construction. But the construction field is a hard one to crack, particularly if you’re female. Women comprise less than 3 percent of the trade workforce, roughly the same portion as 30 years ago.