Bay 12 Games Forum

Paradoxically, in order to build wealth through
homeownership, borrowers must first accumulate some amount of
wealth for a down payment. This contribution of borrower funds
is a significant factor in virtually every lending decision.
Until the mid-1990s, down payments on low-cost conventional
mortgages averaged around 20 percent of the loan balance. Many
families had to postpone homeownership for years while they
worked to accumulate such a sizeable downpayment. Under the
current mortgage finance environment, modern technology has
assisted financial underwriters with the ability to assess
credit risk, thereby decreasing the necessity for the types of
substantial downpayments required ten or twenty years ago.
However, most lenders continue to require some form of
downpayment or homeowner equity at purchase to increase the
likelihood that the borrower will not default. These
downpayments will provide that assurance and close that
homeownership opportunity gap.

Quote from: bloop_bleep on September 18, 2020, 09:21:24 pm

Quote from: Reelya on September 18, 2020, 07:17:53 pm

But it's one of those things that's almost meme-level; rather than general research it's about getting published as the guy who one-upped everyone else by getting slightly more of the thing into the other thing, so basically it's a type of game they came up with in the 1970s.

But that's a lot of math research today, isn't it? Like with the Twin Primes Conjecture. Everything's so developed nowadays even small improvements are rather notable.

Math was always just a type of game. Geometry is just a type of game ancient Greek philosophers came up with to try to win prestige by making shapes using a compass and straightedge. Everything that actually serves a purpose is just an accident of the fact that the rules of math were based on physical observations of the real world.

There shall be no celebrating! We are not leftists.

On March 16, 2016, President Barack Obama nominated Merrick Garland for Associate Justice of the Supreme Court of the United States to succeed Antonin Scalia, who had died one month earlier. At the time of his nomination, Garland was the Chief Judge of the United States Court of Appeals for the District of Columbia Circuit.

This vacancy arose during Obama's final year as president, and shortly after Scalia's death was announced, Republican Senate leaders declared that because Scalia's seat had become vacant during an election year, the Senate would not even consider a nomination from the president. Senate Democrats criticized the move as being unprecedented and responded saying that there was sufficient time to vote on a nominee before the election.

This paper considers the task of finding the smallest circle into which one can pack a fixed number of non-overlapping unit squares that are free to rotate. Due to the rotation angles, the packing of unit squares into a container is considerably harder to solve than their circle packing counterparts. Therefore, optimal arrangements were so far proved to be optimal only for one or two unit squares. By a computer-assisted method based on interval arithmetic techniques, we solve the case of three squares and find rigorous enclosures for every optimal arrangement of this problem.

Actually needing a specific, scare mineral to make magic sounds kind of cool.