Sentences with phrase «tested against the interest»

Meanwhile, borrowers who take out fixed - rate insured mortgages of five years or longer have their income tested against the interest rate that they will actually be paying.

Not exact matches

In that space, we know that the new rules mean you need to be much more qualified to have that mortgage today than before the rules went into place, so there is a cushion in there where you can tolerate a higher rate of interest and so on because you have been tested against it.

Of course one could argue that the model was not back tested far enough and needs to be back tested against a larger amount of time but it is interesting none the less.

«For the first time in years, interest rates are beginning to rise — making it increasingly important for Canadians looking to buy a home to stress - test their mortgage against a higher rate to ensure they can afford it over the long term,» said Martin Nel, Head, Personal Banking, BMO Bank of Montreal.

Those in the practical fields accomplish this adjudication by testing against «the psychological disabilities, the power plays and hidden interests, the structural constrictions, and the stinginess and meanness that preoccupies much of life in every context» — in short, by encounter with «sin, and the need for salvation.»

This weekend against Citeh will be a very interesting test, lose this and I think 3rd place is the best we can achieve.

It is always a test at Stoke and I believe our record goes against us, but it is interesting as well because it is also a mental test to show we have moved forward and that we can deal with what they offer.

Hence, it would not be surprising to see Russia interested in the possibility of playing against one of the top dogs to test themselves ahead of this major tournament.

This is a test of 1990s - style politics (when Cuomo came of age), where politicians try to play everyone against each other and capture the support of major outside interests, against today's politics, where winners are chosen based on how well and directly they can connect with voters.

All this would be testing enough against a background of falling inflation, lower interest rates, and economic recovery.

Although academics don't warrant a «class privilege,» she said, academic - participant confidentiality can be awarded on a case - by - case basis, provided it meets the criteria of an existing four - step legal principle, known as the Wigmore test, which balances public interest in maintaining confidentiality against the court's interest in getting at the truth.

According to Christian Weilke, manager for new product marketing at Roche Applied Science, the biotech industry - focused MycoTOOL PCR test is «thoroughly validated» for 11 species of interest to U.S. and European regulatory agencies; this test can detect «over 120 further Mycoplasma species,» with good specificity against non-Mollicutes bacteria, as well.

«In this very interesting study, the authors tested two types of vaccine against Zika virus infection in mice.

«Before, you could in principle test chemical compounds of interest against hundreds of cell lines, but it would require a lab member going to a freezer, taking out hundreds of vials — one for each cell line — and setting up hundreds of tissue culture plates.

U.S. District Judge Ronald L. Buckwalter of Philadelphia said March 16 that granting such a stay would not «further the public interest» because the NCAA's minimum college - admissions - test scores were found to discriminate against African - American student athletes.

Making an issue of using test scores to evaluate teachers means taking on powerful teacher unions, pitting a core Democratic interest group against a major goal of the Obama administration.

What is especially interesting about this new award is that Burris is a leader in the fight against test - based accountability in New York State.

The Web site of Marylanders Against High - Stakes Testing (www.geocities.com/stophsa) is also a strong resource for educators interested in advocating against current assessment poAgainst High - Stakes Testing (www.geocities.com/stophsa) is also a strong resource for educators interested in advocating against current assessment poagainst current assessment policies.

Some see the refusal to participate in SBAC testing as an act of courage and conviction; they see it as willful push - back against flawed education reform policies that since the passage of NCLB have failed to improve education in America's public schools and yet continue to be promoted by special interests who seek to profit at student, parent, and taxpayer expense.

Despite the reluctance of school administrators to speak up and push back against this ludicrous accountability exercise that has been promoted by politicians and corporate education reformers who have many self - interested reasons for maintaining this misguided testing endeavor, it is well - known that the «standardized» testing mandate only serves to continue the false narrative of failing American public education in order to drive the profit - making agenda of those who seek to privatize education and undermine the public trust.

In her role as the Department's decision - maker, she issued the first Public Interest Exclusion against a noncompliant service agent issued in the history of the DOT's drug and alcohol testing regulations.

Motor Trend picked an interesting set of cars to put up against each other in a single test, an all wheel drive Nissan GT - R, and a couple...

Like the Ford Everest, specifications for the Fortuner are largely unchanged since our last country comparison, so we were interested if it could still hold its own against updated models from both Holden and Isuzu and model - year changes on the Mitsubishi Pajero Sport when tested in an even tougher environment.

Let's explore why Mr. Nielsen's test is biased against the Kindle and see what interesting observations we can make.

It demonstrates that variance ratios are among the most powerful tests for detecting mean reversion in stock prices, but that they have little power against the principal interesting alternatives to the random walk hypothesis.

It is interesting to compare Niederhoffer's exhortation to «test everything that can be tested» against Taleb's «naive empiricist,» but I'll leave that for another day.

An article about «Games Aging Gracefully» makes some interesting points about which games hold up against the test of time.

At the time, I was too focused on the each of the four main characters and their dog, as I felt that the game provided adequate context for each usable object; however, the collectible items should appeal to historians, be they interested in learning more about World War I or testing their knowledge against Ubisoft's.

Taking place on March 24 and lasting until March 26, interested gamers will need to download the demo from the eShop, which will allow them to battle against opponents around the world and help test the game before its release later in the summer.

I'm not even comfortable making exceptions for friends; I will certainly pay for or offer testing / proofing help or pimp as much as I can, but this edges against conflict of interest.

Maybe you would find our recent manuscript interesting, in which we use an efficiently - generated ensemble of a state - of - the - art GCM, tuned to present - day climate and validated (tested against out - of - sample data) with simulations of the Last Glacial Maximum.

I was interested to know whether it was appropriate to use successive 11 - year averages to test observations against projections, and I accept your view that it's not.

Perhaps even more interesting would be to test that hypothesis against individual months or more practically seasons.

I doubt any professional statistician would be much interested in how you've made your proposal, especially as there is no physical basis whatsoever being proposed which could be the basis of a test of prediction against data.

I have questions about the use of change point algorithms that have not been answered to my satisfaction to date and I have a great deal of interest in the benchmarking of these various algorithms by testing against realistic simulated data where the truth is known.

[127] Professor Piché in her text Fairness in Class Action Settlements, supra at pp. 179 - 80 summarizes the various factors for the settlement approval test into seven factors; i.e.: (1) judicial risk analysis: likelihood of recovery, or likelihood of success on the merits weighed against amount and form of settlement relief; (2) future expense, complexity and likely duration of litigation; (3) class reaction: number and nature of objections; (4) recommendations and experience of counsel and opinion of interested persons; (5) adequacy of representation: good faith and absence of collusion; (6) discovery evidence sufficient for «effective representation» and (7) adequacy of notice of proposed settlement to absent class members.

Oberg then demonstrates how such criteria could be applied to some actual examples of legislative initiatives — for instance, the Environmental Crimes Directive, the Market Abuse Crimes Directive, the (at the time of writing the book) proposed «PIF» Directive (i.e. on the fight against fraud to the Union's financial interests by criminal law), which meanwhile has been adopted — and demonstrates how sometimes the legislative initiatives and proposals would have failed his proposed testing.

The court was concerned that the UK policy set the threshold so high against the applicants from the outset «that it did not allow a balancing of the competing individual and public interests and a proportionality test by the secretary of state or by the domestic courts» because the applicants had to demonstrate as a condition precedent to the application of the policy, that the deprivation of artificial insemination facilities might prevent conception altogether.

Issues such as changes in practice rules should be examined, not against the wishes of the membership, but against the test of public interest... [43]

These incremental changes culminated in (AG) v. Downtown Eastside Sex Workers United Against Violence (SWAUV), 2012 SCC 45 wherein the Supreme Court officially expanded the public interest standing test.

When the matter was first dealt with by an arbitration board, it weighed the employer's interest in random alcohol testing against the harm of the policy to employees» privacy interests.

He then examined whether the restriction was justified under Article 9 (2) using a proportionality test, balancing D's right to manifest her religion against the interests of justice in conducting a fair trial for everyone involved.

Here, I think, Sales is on strong ground, his point being that the proportionality test — which is obviously suited to situations in which, for instance, rights and competing public interests fall to be weighed against one another — may not be universally applicable:

In response to my post about sections 14 and 15 of the Censorship of Publications Act 1929, TJ McIntyre points out that it would be interesting to test the restriction on court reporting against the decision of the Supreme Court in Irish Times v. Ireland [1998] 1 IR 359.

The duty of care was not defeated under the second branch of the Anns test, which deals with public policy considerations that would weigh against a duty of care, because it was in the public interest that professional accountants who undertake to create wills do so with care not only for the best interests of their clients but also for the intended beneficiaries under those wills.

The appellants» evidence met the air of reality test and demonstrated an arguable defence on the merits in relation to the issues of whether the respondent's action was statute - barred, whether the rate of interest claimed was sustainable and whether there was any claim for breach of trust against the individual appellants.

The court considered that even if the applicants» Art 8 complaint was before the secretary of state and the Court of Appeal, the policy set the threshold so high against them from the outset that it did not allow a balancing of the competing individual and public interests and a proportionality test by the secretary of state or by the domestic courts in their case, as required by the Convention.

We're interested in testing that out against LG's latest rival refrigerator which boasts Amazon Alexa integration.

I ran 3D Mark's test for mid-range PCs, high - end PCs, and high - end PCs with DX12, and the results were interesting when stacked up against a Nvidia GeForce 960M and a Nvidia GTX 1080.

While tests that compare new devices against the competition are usually fun and interesting, we have to keep in mind that a new device is also fighting against the previous generation from the same makers.