In addition, the final rule requires creditors and mortgage brokers to retain documentation sufficient to show their supervisory agencies that one of the exceptions applies whenever a cost for a service provided by a company that is owned by or affiliated with the creditor proves to be higher
than estimated in the Loan Estimate in excess of the tolerances under § 1026.19 (e)(3) and a revised Loan Estimate is provided, similar to the current document retention requirements under Regulation X for when the RESPA GFE is reissued.
One of its most striking findings is its conclusion that the upper range of warming over the next 100 years could be even higher
than it estimated in 1995, in a worst case raising the average global temperature 11 degrees Fahrenheit from where it was in 1990.
This implies a greater value of climate sensitivity
than estimated in the 2006 paper.
The study also contains a cautionary note: if effective heat capacity should prove to be less
than estimated in the study, or the carbon dioxide degassing timescale proved longer, it could result in temperature overshoots in which initial temperature decreases are reversed when carbon dioxide re-accumulates in the atmosphere.
And a second, entirely separate, study backed by US data suggests that emissions of that other greenhouse gas, methane, are at least 11 % higher
than estimated in 2006.
The completion of the project cost a total of $ 127M, $ 20M more
than estimated in 2007, [32] which was mostly funded by Amsterdam's city council.
Also, remember that interest rates could rise higher than the past highs, and they could do so much faster
than we estimated in our scenario.
On these days, should I eat more calories
than the estimated in your calculator to compensate for the workout?
«Because severe cases of influenza may be prevented by 2 mechanisms, the effectiveness of vaccination against severe influenza may be greater than that for mild cases, and the benefit of influenza vaccination may be greater
than that estimated in previous studies.
The state's first quarter tax collections were $ 1.3 billion greater
than estimated in the current budget.
The lower levels of baseline sugar sweetened drink consumption in the UK compared with the US may in part explain why the effect on obesity that we estimate in the UK is much less
than that estimated in the US.12 The differences with respect to other modelling studies may also be partly explained by their use of higher own price elasticity values for sugar sweetened drinks than we have calculated and used here.18 22 52 We can not make direct comparisons between the results of our study and the results of recent studies of the effect of reducing sugar sweetened drink consumption on body weight in children, 5 7 as the relation between energy balance and change in body mass index in children who are growing is different from that in adults.
Although there is no «adjustment for risk» factor included in the deficit estimate for 2012 - 13, the results to date suggest that the deficit could still come in slightly lower
than estimated in Budget 2013.
Indications during the year suggested that the final outcome would be considerably higher
than estimated in the March 2016 Budget.
In addition, the final audited outcome for 2010 - 11 was somewhat better
than estimated in the June 2011 Budget and some of this should forward into 2011 - 12.
Based on results to date, personal income tax revenues could be at least $ 2 billion lower
than estimated in the November Update.
For the year as a whole, this component could be $ 1.5 billion higher
than estimated in the November Update.
However, the final financial outcome for 2016 - 17 at $ 17.8 billion was $ 5.3 billion lower
than that estimated in the March 2017 Budget, part of which should carry forward in 2017 - 18 and future years.
Likewise, house - price inflation amplified more
than estimated in the August Inflation Report during the third quarter, while the RICS survey of real - estate agents pointed to a fall in prices over the next three months.
Excluding corporate income revenues, it would appear that the deficit will come in lower
than estimated in the November 2012 Update.
As indicated in previous reports, we, along with others, believe that the deficit outcome for 2010 - 11 will be at least $ 7 billion lower
than estimated in the October 2010 Update.
Based on the results to date, a number of revenue and expenses components are doing much better
than estimated in the November 2012 Update.
Financial results to date indicate that budgetary revenues for 2012 - 13 could be somewhat higher
than estimated in the November 2012 Update.
The fiscal cost of «Reducing the Tax Burden» was somewhat lower
than estimated in the January 2009 Budget estimate, yet an additional 2,000 were created by the measure in the latest Report.
Expenses for other direct program expenses (excluding other transfer payments) could be $ 2 billion higher
than estimated in Budget 2012, especially if the Government decides to book the shortfall in the environmental liability as identified by the Commissioner for the Environment and Sustainable Development.
For example, if the final audited deficit outcome for 2010 - 11 is lower
than that estimated in the June 2011 Budget, some, if not all, of this improvement could carry forward into 2011 - 12.
For example, if the final audited deficit outcome for 2010 - 11 is lower
than that estimated in the June 2011 Budget, some, if not all, of this improvement could carry forward into 2011 - 12, which would then explain part of the improvement ion 2011 - 12.
Results to date indicate that employment insurance benefits and «Other transfer payments» could come in significantly lower
than estimated in the June 2011 Budget.
For example, if, as expected, the final audited deficit outcome for 2011 - 12 is lower
than that estimated in the March 2012 Budget, some, if not all, of this improvement could carry forward into 2012 - 13, thereby resulting in a lower outcome that currently estimated.
As reported in the Annual Financial Report for fiscal year 2011 - 12, the deficit for In 2011 - 12 was $ 1.4 billion higher
than estimated in the March 2012 Budget.
The new global shale gas resource estimate is 10 percent higher
than the estimate in the 2011 report.
This decline is steeper
than the estimates in CELT 2017 -LRB--0.64 percent per year) and CELT 2016 -LRB--0.25 percent per year).
The study claims that U.S. methane emissions may be as much as 50 percent higher
than estimates in the Environmental Protection Agency's (EPA) annual Inventory — the equivalent to adding 2.3 million cars to the road.
Not exact matches
I put more faith
in futures markets
than in private sector and budgetary forecasts, but given the recent escalation of oil prices, there is a reasonable chance prices end up matching or exceeding the
estimates in Budget 2016.
To find the wealthiest people
in the world, Wealth - X looked at its database of dossiers on more
than 110,000 ultra-high net - worth people and used a proprietary valuation model that takes into account each person's assets, then adjusts
estimated net worth to account for currency - exchange rates, local taxes, savings rates, investment performance, and other factors.
One recent report
estimated the size of that market at $ 34 billion
in 2015, more
than double its value the year before.
In its revised guidance Monday, Lululemon said it now expects its revenue and profit for the fourth quarter ending Feb. 2 will be significantly lower
than its previous
estimate before Christmas.
The federation
estimates that up to 2.7 million kilograms, or some 10,000 barrels have disappeared, representing more
than 10 % of the federation's vast reserves held
in four different facilities.
This involves taking the
estimates that clients have come up with for what they expect to spend
in retirement — and then running a simulation of what would happen to their portfolio if they spent 25 % more
than that over each of their first 15 years.
«The worldwide market for green bonds
in the last year has doubled, and it's now
estimated to be more
than $ 346 billion — those are U.S. dollars.»
The Daily, an abortive attempt at a tablet newspaper launched by News Corp.
in 2011 (at an
estimated cost of more
than $ 60 million) was updated several times a day.
Paulson
estimated that a combined CBS / Viacom could realize more
than $ 1 billion
in synergies, adding that he hoped the two companies can agree on a management structure that includes CBS CEO Leslie Moonves and Bakish.
Unlike
in 2012, the Menlo Park, California - based company now generates most of its revenue from mobile devices and has
estimated that mobile advertising generated more
than 86 percent of its $ 40.7 billion total revenue
in 2017.
It's
estimated wind can never supply more
than the 19 % of electrical needs it does
in the world leader, Denmark, until someone comes up with a way of storing the wind power that blows when we don't need it (for the times when it doesn't), or a way of transmitting electricity over huge distances with minimal line loss.
The WHO
estimates that
in 2016 more
than 1.9 billion adults were overweight, with more
than 650 million of these being obese — meaning a body - mass index greater
than or equal to 30.
In total, the French would lose upwards of 500,000 troops while the Germans lost in some estimates more than 400,000 — nearly 1 million killed on both side
In total, the French would lose upwards of 500,000 troops while the Germans lost
in some estimates more than 400,000 — nearly 1 million killed on both side
in some
estimates more
than 400,000 — nearly 1 million killed on both sides.
But it still recorded only 1.59 million new users, compared with
estimates of 1.62 million — and sharply lower
than the 1.9 million it signed up
in the same quarter last year.
NEW YORK, May 1 - Pfizer Inc on Tuesday reported lower -
than - expected first - quarter revenue as demand for some key drugs and international sales fell short of
estimates, sparking a 5.1 percent drop
in shares of the largest U.S. drugmaker.
Over the same period, the IRA also spent approximately $ 100,000 on more
than 3,000 ads on Facebook and Instagram, which were seen by an
estimated 11 million people
in the United States.
May 2 - U.S. health insurer Humana Inc reported higher -
than -
estimated medical costs
in its core direct - to - consumer Medicare Advantage business for seniors and the disabled, sending shares down 2.1 percent.
In July, the Bank of Canada estimated that 47 per cent of residential mortgages with the Big Six banks will be up for renewal in less than a year, with another 31 per cent due in the next one to three year
In July, the Bank of Canada
estimated that 47 per cent of residential mortgages with the Big Six banks will be up for renewal
in less than a year, with another 31 per cent due in the next one to three year
in less
than a year, with another 31 per cent due
in the next one to three year
in the next one to three years.