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Desperate times sometimes lead to a more marketing-oriented guise: WMATA/Metrorail | Bonus: WMATA's financial crisis

Rebuilding Place in Urban Space

Now a goodly amount of that is encapsulated in " Branding's (NOT) all you need for transit " (2018), but old pieces like " Making Transit Sexy " (2005), make the point too, less sophisticatedly. Second, during the 2008 crash, I got an email from an activist in response to all the budget and service cuts faced by transit systems.

2008 52
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Indiana BMV Builds on Three Pillars to Drive up CX

GovLoop

When Mitch Daniels took office as Indiana’s Governor in 2005, one of the top items on his agenda was reforming the Bureau of Motor Vehicles (BMV). percent” in 2008, according to a study by the Sagamore Institute. ” This article appears in “ Improving Customer Experience: A Nuts-and-Bolts Guide.”

2021 98
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The GSE Public-Private Hybrid Model Flunks Again: This Time It’s the Federal Home Loan Bank System (Part 1)

The Stoop (NYU Furman Center)

3 The release of the FHFA report has also sparked a flurry of articles, op-eds, and think tank reports either supporting or countering some or all the recommendations. This two-part article argues that the root cause of their need for reform is a fundamental flaw in Congress’ design of GSEs. mortgage originations.

2008 88
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Closing Cost Reform: Long Overdue and Worth the Fight (Part 1)

The Stoop (NYU Furman Center)

Part 1 of this article will address several questions to lay the groundwork for a broader discussion about closing and related transaction costs in Part 2. Insights from the NAR lawsuit and settlement In 2023, the NAR and certain large brokerages were sued in Missouri federal court via a private class-action lawsuit. Behind a paywall.)

Housing 59
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Current GSE Guarantee Fees Are Too Low to Be Consistent with Regulatory Capital: Does This Mean a Large Increase Is Coming?

The Stoop (NYU Furman Center)

In the years immediately following conservatorship (which began in September 2008), the FHFA increasingly took over setting the average G-fee. This all ended in 2008, when even the most ardent GSE defenders in Congress went quiet as the two companies collapsed into conservatorship. percent in 2014 and then stayed in the 0.44

2008 52
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Government Mortgage Interest Rates: A Serious Discussion about the Intertwined Topics of Risk Adjustment and Cross-subsidies

The Stoop (NYU Furman Center)

It is important to clearly state that the analysis in this article is based on the economic reality that if a loan does not have an interest rate that is appropriately risk-adjusted for its creditworthiness, then by definition there will be cross-subsidies in operation, even if that is not overtly stated. This claim is simply untrue.