Is mortgage lending by savings associations special?

Article Abstract:

Savings associations show the same level of sensitivity as commercial banks to the changes in home prices and borrower's income. Moreover, the elimination of the savings association charter may not negatively affect the lending to nontraditional mortgage borrowers such as low-income mortgage borrowers. Furthermore, the portfolio choice of the traditional lender is not affected by the changes in demand-side variables while the nontraditional lender is dependent to such changes.

Commercial Banks, Savings & Loan Assns, Savings Institutions, Mortgage and Nonmortgage Loan Brokers, Consumer Mortgage Loans, Banking industry, Economic aspects, Savings and loan associations, Mortgages

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Applications Programming Done at Army without Programmers

Article Abstract:

Application programming operations are being expanded through the use of a fourth generation software system at the United States Army Finance and Accounting Center, Indianapolis. The system is serving as a prototyping tool for guiding conventional programming operations. The system allows application programming to be done without using programmers. Changes are more easily made with the new system. An information center is gradually being developed with the new system.

Computer networks, Software, Information networks

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Army Finds Big Savings in Small Fiche Publishing

Article Abstract:

A study was performed by the Army's Adjutant General to determine the effects of micropublishing as a possible solution to their paper publication problems. As a result of this study, the Army instituted a program which converted paper publications to microfiche. The benefits of the program are examined.

Computers, Digital computers, Reports, Study and teaching, Microfiches

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