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This is where conventional loans have really improved. FHA loans used to be the low-down-payment leader, requiring just 3.5% down. But now, Fannie Mae and Freddie Mac both offer 97% loan-to-value products; that means a 3% down payment option — even lower than FHA — for qualified buyers. 287
to locate potentially life-supporting planets in order to refine observation and research technology, like high-powered telescopes, to learn even more about them. 162

This fall, Obama is due to appear more, holding events for Democrats running in an off-election year, including gubernatorial candidates in New Jersey and Virginia. 164
They go to work and literally pick up pieces of people. The human brain can only compartmentalize that so much, she said. "The culture has always been that if you’re not strong enough to handle that type of scene, what you see, then you don’t belong and that’s ludicrous to me, that mentality and culture needs to shift." 321
These earthquakes will disrupt services like electricity, water and sewer, and may limit access in and out of the region, according to shakeout.org. "Fire and police departments will be dealing with the most serious situations and may be unable to respond quickly to issues in your community. Government assistance may not be available or not enough to replace your damaged belongings or repair your home. Good news: Preparing now will give you confidence that you and your family will stay safe when the earth shakes." 519
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