Digitalization promises to improve lives in homes, reducing energy consumption and costs while increasing convenience and comfort and enabling an increasingly senior…
W07-9: The goal of planning is to anticipate and to guide. Anticipating is a best guess based upon an understanding of the past. Guiding is making a set of choices about…
This paper analyses the performance of low-income and minority loans (LIMLs) from a large sample of fixed-rate mortgages purchased by Freddie Mac in the 1990s. Our focus is…