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r. Longterm rates are more subject to the expectations for inflation and the psychology of the longterm bond market. But economist Lyle Gramley, a former governor of the Federal Reserve, says consumers have leapt at the opportunity to refinance their homes. As housing prices are up a lot, we're getting much larger cashouts, and this has helped consumers to improve their balance sheets, he says.In a cashout, a consumer takes advantage of the higher price of a home by taking on a higher mortgage. For example, if a consumer has $150,000 left to pay on a mortgage, but the house has appreciated in value to $200,000, he or she can refinance with a $175,000 loan. This preserves some equity
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 hio.) He suddenly realized that an airplane wing could be twisted, or warped, in a similar way. That would change the shape of the wing and steer the plane in the same way birds shape their wings to change directions. In modern aircraft, ailerons do the same thing. (Ailerons are the movable flaps on the trailing edges of airplane wings.)Were they really the first to flyThe Wrights built upon the work of many flight pioneers. But aviation scholars agree that the Wrights hold clear title to the world's first successful airplane. It's a much clearer claim, in fact, than Thomas Edison has to the invention of the light bulb or Alexander Graham Bell to the telephone.Samuel Langley, a not
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 tion as a kind of lovemaking. Each is unsure of the other's language only the most tender solicitude can carry their meanings back and forth between them to create something new and wondrous.But Falin never lets Kit forget the dangerous times in which they work. Having once irritated a giant with his haunting verse, the Russian dissident knows that poetry  his poetry at least  is not a private affair. As the argument over Cuba escalates, Kit finds her life snared in the machinations of geopolitical intrigue.Crowley is a master of ominous ambiguity, spreading Kit's anxiety through every line. In the house of mirrors erected by coldwar paranoia, she begins to see dangers everywhere.
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 ects and programs to woo reluctant members. The president would have to sign or veto the whole package.Now that the GOP runs Congress and a Democrat sits in the White House, the Republicans are holding to their principle  that giving presidents the power to single out budget items for veto will produce a leaner, more porkfree budget.Some skeptics argue that the need to buy votes with money for parochial projects will remain  they will simply be packaged in the White House instead of in Capitol Hill committee rooms. President Clinton certainly packed a lot of horsetraded spending items into the NAFTA bill, for example, in winning closefought passage.But whether it successfully cuts p
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