id	sid	tid	token	lemma	pos
inlawrev-3746	1	1	indiana	indiana	PROPN
inlawrev-3746	1	2	law	law	PROPN
inlawrev-3746	1	3	review	review	PROPN
inlawrev-3746	1	4	indiana	indiana	PROPN
inlawrev-3746	1	5	law	law	PROPN
inlawrev-3746	1	6	review	review	NOUN
inlawrev-3746	1	7	volume	volume	NOUN
inlawrev-3746	1	8	39	39	NUM
inlawrev-3746	1	9	2005	2005	NUM
inlawrev-3746	1	10	number	number	NOUN
inlawrev-3746	1	11	1	1	NUM
inlawrev-3746	1	12	notes	note	VERB
inlawrev-3746	1	13	hoosier	hoosier	NOUN
inlawrev-3746	1	14	inhospitality	inhospitality	NOUN
inlawrev-3746	1	15	:	:	PUNCT
inlawrev-3746	1	16	examining	examine	VERB
inlawrev-3746	1	17	excessive	excessive	ADJ
inlawrev-3746	1	18	foreclosure	foreclosure	NOUN
inlawrev-3746	1	19	rates	rate	NOUN
inlawrev-3746	1	20	in	in	ADP
inlawrev-3746	1	21	indiana	indiana	PROPN
inlawrev-3746	1	22	brian	brian	PROPN
inlawrev-3746	1	23	m.	m.	PROPN
inlawrev-3746	1	24	heaton	heaton	PROPN
inlawrev-3746	1	25	*	*	PROPN
inlawrev-3746	1	26	introduction	introduction	NOUN
inlawrev-3746	1	27	when	when	SCONJ
inlawrev-3746	1	28	can	can	AUX
inlawrev-3746	1	29	dreams	dream	VERB
inlawrev-3746	1	30	quickly	quickly	ADV
inlawrev-3746	1	31	become	become	VERB
inlawrev-3746	1	32	nightmares	nightmare	NOUN
inlawrev-3746	1	33	?	?	PUNCT
inlawrev-3746	2	1	the	the	DET
inlawrev-3746	2	2	dream	dream	NOUN
inlawrev-3746	2	3	of	of	ADP
inlawrev-3746	2	4	homeownership	homeownership	NOUN
inlawrev-3746	2	5	has	have	AUX
inlawrev-3746	2	6	now	now	ADV
inlawrev-3746	2	7	become	become	VERB
inlawrev-3746	2	8	a	a	DET
inlawrev-3746	2	9	reality	reality	NOUN
inlawrev-3746	2	10	for	for	ADP
inlawrev-3746	2	11	more	more	ADJ
inlawrev-3746	2	12	americans	americans	PROPN
inlawrev-3746	2	13	than	than	ADP
inlawrev-3746	2	14	at	at	ADP
inlawrev-3746	2	15	any	any	DET
inlawrev-3746	2	16	point	point	NOUN
inlawrev-3746	2	17	in	in	ADP
inlawrev-3746	2	18	history	history	NOUN
inlawrev-3746	2	19	.	.	PUNCT
inlawrev-3746	3	1	1	1	NUM
inlawrev-3746	3	2	however	however	ADV
inlawrev-3746	3	3	,	,	PUNCT
inlawrev-3746	3	4	increased	increase	VERB
inlawrev-3746	3	5	emphasis	emphasis	NOUN
inlawrev-3746	3	6	on	on	ADP
inlawrev-3746	3	7	flexible	flexible	ADJ
inlawrev-3746	3	8	lending	lending	NOUN
inlawrev-3746	3	9	practices	practice	NOUN
inlawrev-3746	3	10	and	and	CCONJ
inlawrev-3746	3	11	recent	recent	ADJ
inlawrev-3746	3	12	national	national	ADJ
inlawrev-3746	3	13	and	and	CCONJ
inlawrev-3746	3	14	regional	regional	ADJ
inlawrev-3746	3	15	economic	economic	ADJ
inlawrev-3746	3	16	slowdowns	slowdown	NOUN
inlawrev-3746	3	17	have	have	AUX
inlawrev-3746	3	18	turned	turn	VERB
inlawrev-3746	3	19	opportunities	opportunity	NOUN
inlawrev-3746	3	20	for	for	ADP
inlawrev-3746	3	21	equity	equity	NOUN
inlawrev-3746	3	22	-	-	PUNCT
inlawrev-3746	3	23	building	building	NOUN
inlawrev-3746	3	24	into	into	ADP
inlawrev-3746	3	25	recipes	recipe	NOUN
inlawrev-3746	3	26	for	for	ADP
inlawrev-3746	3	27	foreclosures	foreclosure	NOUN
inlawrev-3746	3	28	and	and	CCONJ
inlawrev-3746	3	29	disaster	disaster	NOUN
inlawrev-3746	3	30	.	.	PUNCT
inlawrev-3746	4	1	while	while	SCONJ
inlawrev-3746	4	2	different	different	ADJ
inlawrev-3746	4	3	states	state	NOUN
inlawrev-3746	4	4	have	have	AUX
inlawrev-3746	4	5	been	be	AUX
inlawrev-3746	4	6	affected	affect	VERB
inlawrev-3746	4	7	to	to	ADP
inlawrev-3746	4	8	varying	vary	VERB
inlawrev-3746	4	9	degrees	degree	NOUN
inlawrev-3746	4	10	,	,	PUNCT
inlawrev-3746	4	11	indiana	indiana	PROPN
inlawrev-3746	4	12	has	have	AUX
inlawrev-3746	4	13	undoubtedly	undoubtedly	ADV
inlawrev-3746	4	14	been	be	AUX
inlawrev-3746	4	15	one	one	NUM
inlawrev-3746	4	16	ofthe	ofthe	NOUN
inlawrev-3746	4	17	hardest	hard	ADV
inlawrev-3746	4	18	hit	hit	VERB
inlawrev-3746	4	19	by	by	ADP
inlawrev-3746	4	20	the	the	DET
inlawrev-3746	4	21	recent	recent	ADJ
inlawrev-3746	4	22	wave	wave	NOUN
inlawrev-3746	4	23	of	of	ADP
inlawrev-3746	4	24	foreclosures.2	foreclosures.2	PROPN
inlawrev-3746	4	25	a	a	DET
inlawrev-3746	4	26	foreclosure	foreclosure	NOUN
inlawrev-3746	4	27	is	be	AUX
inlawrev-3746	4	28	a	a	DET
inlawrev-3746	4	29	legal	legal	ADJ
inlawrev-3746	4	30	mechanism	mechanism	NOUN
inlawrev-3746	4	31	that	that	PRON
inlawrev-3746	4	32	a	a	DET
inlawrev-3746	4	33	lender	lender	NOUN
inlawrev-3746	4	34	initiates	initiate	VERB
inlawrev-3746	4	35	after	after	SCONJ
inlawrev-3746	4	36	a	a	DET
inlawrev-3746	4	37	borrower	borrower	NOUN
inlawrev-3746	4	38	has	have	AUX
inlawrev-3746	4	39	defaulted	default	VERB
inlawrev-3746	4	40	on	on	ADP
inlawrev-3746	4	41	a	a	DET
inlawrev-3746	4	42	mortgage	mortgage	NOUN
inlawrev-3746	4	43	.	.	PUNCT
inlawrev-3746	5	1	3	3	NUM
inlawrev-3746	5	2	although	although	SCONJ
inlawrev-3746	5	3	the	the	DET
inlawrev-3746	5	4	procedures	procedure	NOUN
inlawrev-3746	5	5	vary	vary	VERB
inlawrev-3746	5	6	depending	depend	VERB
inlawrev-3746	5	7	on	on	ADP
inlawrev-3746	5	8	state	state	NOUN
inlawrev-3746	5	9	statutory	statutory	ADJ
inlawrev-3746	5	10	and	and	CCONJ
inlawrev-3746	5	11	common	common	ADJ
inlawrev-3746	5	12	law	law	NOUN
inlawrev-3746	5	13	,	,	PUNCT
inlawrev-3746	5	14	all	all	DET
inlawrev-3746	5	15	foreclosures	foreclosure	NOUN
inlawrev-3746	5	16	eventually	eventually	ADV
inlawrev-3746	5	17	eliminate	eliminate	VERB
inlawrev-3746	5	18	all	all	PRON
inlawrev-3746	5	19	of	of	ADP
inlawrev-3746	5	20	the	the	DET
inlawrev-3746	5	21	borrower	borrower	NOUN
inlawrev-3746	5	22	-	-	PUNCT
inlawrev-3746	5	23	mortgagor	mortgagor	NOUN
inlawrev-3746	5	24	's	's	PART
inlawrev-3746	5	25	rights	right	NOUN
inlawrev-3746	5	26	in	in	ADP
inlawrev-3746	5	27	the	the	DET
inlawrev-3746	5	28	property	property	NOUN
inlawrev-3746	5	29	.	.	PUNCT
inlawrev-3746	6	1	the	the	DET
inlawrev-3746	6	2	two	two	NUM
inlawrev-3746	6	3	primary	primary	ADJ
inlawrev-3746	6	4	forms	form	NOUN
inlawrev-3746	6	5	of	of	ADP
inlawrev-3746	6	6	foreclosure	foreclosure	NOUN
inlawrev-3746	6	7	in	in	ADP
inlawrev-3746	6	8	the	the	DET
inlawrev-3746	6	9	united	united	PROPN
inlawrev-3746	6	10	states	states	PROPN
inlawrev-3746	6	11	are	be	AUX
inlawrev-3746	6	12	judicial	judicial	ADJ
inlawrev-3746	6	13	foreclosure	foreclosure	NOUN
inlawrev-3746	6	14	,	,	PUNCT
inlawrev-3746	6	15	which	which	PRON
inlawrev-3746	6	16	all	all	DET
inlawrev-3746	6	17	fifty	fifty	NUM
inlawrev-3746	6	18	states	state	NOUN
inlawrev-3746	6	19	*	*	PUNCT
inlawrev-3746	6	20	j.d./m.b.a	j.d./m.b.a	NOUN
inlawrev-3746	6	21	.	.	PUNCT
inlawrev-3746	7	1	candidate	candidate	NOUN
inlawrev-3746	7	2	,	,	PUNCT
inlawrev-3746	7	3	2007	2007	NUM
inlawrev-3746	7	4	,	,	PUNCT
inlawrev-3746	7	5	indiana	indiana	PROPN
inlawrev-3746	7	6	university	university	PROPN
inlawrev-3746	7	7	school	school	PROPN
inlawrev-3746	7	8	oflaw	oflaw	NOUN
inlawrev-3746	7	9	—	—	PUNCT
inlawrev-3746	7	10	indianapolis	indianapolis	PROPN
inlawrev-3746	7	11	,	,	PUNCT
inlawrev-3746	7	12	indiana	indiana	PROPN
inlawrev-3746	7	13	university	university	PROPN
inlawrev-3746	7	14	kelley	kelley	PROPN
inlawrev-3746	7	15	school	school	PROPN
inlawrev-3746	7	16	of	of	ADP
inlawrev-3746	7	17	business	business	NOUN
inlawrev-3746	7	18	;	;	PUNCT
inlawrev-3746	7	19	b.s	b.s	PROPN
inlawrev-3746	7	20	.	.	PROPN
inlawrev-3746	7	21	,	,	PUNCT
inlawrev-3746	7	22	2003	2003	NUM
inlawrev-3746	7	23	,	,	PUNCT
inlawrev-3746	7	24	university	university	NOUN
inlawrev-3746	7	25	of	of	ADP
inlawrev-3746	7	26	illinois	illinois	PROPN
inlawrev-3746	7	27	at	at	ADP
inlawrev-3746	7	28	urbana	urbana	PROPN
inlawrev-3746	7	29	-	-	PUNCT
inlawrev-3746	7	30	champaign	champaign	PROPN
inlawrev-3746	7	31	,	,	PUNCT
inlawrev-3746	7	32	urbana	urbana	PROPN
inlawrev-3746	7	33	,	,	PUNCT
inlawrev-3746	7	34	illinois	illinois	PROPN
inlawrev-3746	7	35	.	.	PUNCT
inlawrev-3746	8	1	i	i	PRON
inlawrev-3746	8	2	can	can	AUX
inlawrev-3746	8	3	not	not	PART
inlawrev-3746	8	4	say	say	VERB
inlawrev-3746	8	5	thank	thank	VERB
inlawrev-3746	8	6	you	you	PRON
inlawrev-3746	8	7	enough	enough	ADV
inlawrev-3746	8	8	to	to	ADP
inlawrev-3746	8	9	my	my	PRON
inlawrev-3746	8	10	wife	wife	NOUN
inlawrev-3746	8	11	,	,	PUNCT
inlawrev-3746	8	12	holly	holly	NOUN
inlawrev-3746	8	13	,	,	PUNCT
inlawrev-3746	8	14	and	and	CCONJ
inlawrev-3746	8	15	my	my	PRON
inlawrev-3746	8	16	parents	parent	NOUN
inlawrev-3746	8	17	for	for	ADP
inlawrev-3746	8	18	their	their	PRON
inlawrev-3746	8	19	endless	endless	ADJ
inlawrev-3746	8	20	support	support	NOUN
inlawrev-3746	8	21	and	and	CCONJ
inlawrev-3746	8	22	encouragement	encouragement	NOUN
inlawrev-3746	8	23	.	.	PUNCT
inlawrev-3746	9	1	also	also	ADV
inlawrev-3746	9	2	,	,	PUNCT
inlawrev-3746	9	3	thank	thank	VERB
inlawrev-3746	9	4	you	you	PRON
inlawrev-3746	9	5	to	to	ADP
inlawrev-3746	9	6	my	my	PRON
inlawrev-3746	9	7	faculty	faculty	NOUN
inlawrev-3746	9	8	advisor	advisor	NOUN
inlawrev-3746	9	9	,	,	PUNCT
inlawrev-3746	9	10	professor	professor	PROPN
inlawrev-3746	9	11	robin	robin	PROPN
inlawrev-3746	9	12	craig	craig	PROPN
inlawrev-3746	9	13	,	,	PUNCT
inlawrev-3746	9	14	for	for	ADP
inlawrev-3746	9	15	her	her	PRON
inlawrev-3746	9	16	comments	comment	NOUN
inlawrev-3746	9	17	and	and	CCONJ
inlawrev-3746	9	18	advice	advice	NOUN
inlawrev-3746	9	19	inside	inside	ADP
inlawrev-3746	9	20	the	the	DET
inlawrev-3746	9	21	classroom	classroom	NOUN
inlawrev-3746	9	22	and	and	CCONJ
inlawrev-3746	9	23	on	on	ADP
inlawrev-3746	9	24	this	this	DET
inlawrev-3746	9	25	note	note	NOUN
inlawrev-3746	9	26	.	.	PUNCT
inlawrev-3746	10	1	1	1	NUM
inlawrev-3746	10	2	.	.	PUNCT
inlawrev-3746	11	1	according	accord	VERB
inlawrev-3746	11	2	to	to	ADP
inlawrev-3746	11	3	the	the	DET
inlawrev-3746	11	4	u.s	u.s	PROPN
inlawrev-3746	11	5	.	.	PROPN
inlawrev-3746	11	6	census	census	PROPN
inlawrev-3746	11	7	bureau	bureau	PROPN
inlawrev-3746	11	8	,	,	PUNCT
inlawrev-3746	11	9	the	the	DET
inlawrev-3746	11	10	national	national	ADJ
inlawrev-3746	11	11	homeownership	homeownership	NOUN
inlawrev-3746	11	12	rate	rate	NOUN
inlawrev-3746	11	13	was	be	AUX
inlawrev-3746	11	14	69.2	69.2	NUM
inlawrev-3746	11	15	%	%	NOUN
inlawrev-3746	11	16	,	,	PUNCT
inlawrev-3746	11	17	the	the	DET
inlawrev-3746	11	18	highest	high	ADJ
inlawrev-3746	11	19	in	in	ADP
inlawrev-3746	11	20	united	united	PROPN
inlawrev-3746	11	21	states	states	PROPN
inlawrev-3746	11	22	history	history	NOUN
inlawrev-3746	11	23	,	,	PUNCT
inlawrev-3746	11	24	in	in	ADP
inlawrev-3746	11	25	the	the	DET
inlawrev-3746	11	26	fourth	fourth	ADJ
inlawrev-3746	11	27	quarter	quarter	NOUN
inlawrev-3746	11	28	of	of	ADP
inlawrev-3746	11	29	2004	2004	NUM
inlawrev-3746	11	30	.	.	PUNCT
inlawrev-3746	12	1	see	see	VERB
inlawrev-3746	12	2	press	press	NOUN
inlawrev-3746	12	3	release	release	NOUN
inlawrev-3746	12	4	,	,	PUNCT
inlawrev-3746	12	5	u.s	u.s	PROPN
inlawrev-3746	12	6	.	.	PROPN
inlawrev-3746	12	7	dep't	dep't	PROPN
inlawrev-3746	12	8	of	of	ADP
inlawrev-3746	12	9	commerce	commerce	PROPN
inlawrev-3746	12	10	,	,	PUNCT
inlawrev-3746	12	11	census	census	PROPN
inlawrev-3746	12	12	bureau	bureau	PROPN
inlawrev-3746	12	13	reports	report	VERB
inlawrev-3746	12	14	on	on	ADP
inlawrev-3746	12	15	residential	residential	ADJ
inlawrev-3746	12	16	vacancies	vacancy	NOUN
inlawrev-3746	12	17	and	and	CCONJ
inlawrev-3746	12	18	homeownership	homeownership	NOUN
inlawrev-3746	12	19	,	,	PUNCT
inlawrev-3746	12	20	table	table	NOUN
inlawrev-3746	12	21	5	5	NUM
inlawrev-3746	12	22	(	(	PUNCT
inlawrev-3746	12	23	jan	jan	PROPN
inlawrev-3746	12	24	.	.	PROPN
inlawrev-3746	12	25	27	27	NUM
inlawrev-3746	12	26	,	,	PUNCT
inlawrev-3746	12	27	2005	2005	NUM
inlawrev-3746	12	28	)	)	PUNCT
inlawrev-3746	12	29	,	,	PUNCT
inlawrev-3746	12	30	http://www.census.gov/hhes/www/housing/hvs/qtr404/q404tab5.html	http://www.census.gov/hhes/www/housing/hvs/qtr404/q404tab5.html	PROPN
inlawrev-3746	12	31	.	.	PUNCT
inlawrev-3746	13	1	2	2	X
inlawrev-3746	13	2	.	.	X
inlawrev-3746	13	3	in	in	ADP
inlawrev-3746	13	4	the	the	DET
inlawrev-3746	13	5	second	second	ADJ
inlawrev-3746	13	6	quarter	quarter	NOUN
inlawrev-3746	13	7	of2002	of2002	NOUN
inlawrev-3746	13	8	,	,	PUNCT
inlawrev-3746	13	9	indiana	indiana	PROPN
inlawrev-3746	13	10	's	's	PART
inlawrev-3746	13	11	foreclosure	foreclosure	NOUN
inlawrev-3746	13	12	rate	rate	NOUN
inlawrev-3746	13	13	was	be	AUX
inlawrev-3746	13	14	the	the	DET
inlawrev-3746	13	15	highest	high	ADJ
inlawrev-3746	13	16	in	in	ADP
inlawrev-3746	13	17	the	the	DET
inlawrev-3746	13	18	nation	nation	NOUN
inlawrev-3746	13	19	at	at	ADP
inlawrev-3746	13	20	2.22	2.22	NUM
inlawrev-3746	13	21	%	%	NOUN
inlawrev-3746	13	22	,	,	PUNCT
inlawrev-3746	13	23	compared	compare	VERB
inlawrev-3746	13	24	with	with	ADP
inlawrev-3746	13	25	the	the	DET
inlawrev-3746	13	26	national	national	ADJ
inlawrev-3746	13	27	average	average	NOUN
inlawrev-3746	13	28	of	of	ADP
inlawrev-3746	13	29	1.24	1.24	NUM
inlawrev-3746	13	30	%	%	NOUN
inlawrev-3746	13	31	.	.	PUNCT
inlawrev-3746	14	1	see	see	VERB
inlawrev-3746	14	2	indiana	indiana	PROPN
inlawrev-3746	14	3	mortgage	mortgage	PROPN
inlawrev-3746	14	4	bankers	bankers	PROPN
inlawrev-3746	14	5	ass'n	ass'n	PROPN
inlawrev-3746	14	6	,	,	PUNCT
inlawrev-3746	14	7	indiana	indiana	PROPN
inlawrev-3746	14	8	mortgage	mortgage	NOUN
inlawrev-3746	14	9	foreclosure	foreclosure	NOUN
inlawrev-3746	14	10	rate	rate	NOUN
inlawrev-3746	14	11	1	1	NUM
inlawrev-3746	14	12	(	(	PUNCT
inlawrev-3746	14	13	jan	jan	PROPN
inlawrev-3746	14	14	.	.	PROPN
inlawrev-3746	14	15	9	9	NUM
inlawrev-3746	14	16	,	,	PUNCT
inlawrev-3746	14	17	2003	2003	NUM
inlawrev-3746	14	18	)	)	PUNCT
inlawrev-3746	14	19	,	,	PUNCT
inlawrev-3746	14	20	http://www.indianamba.org/downloads/	http://www.indianamba.org/downloads/	X
inlawrev-3746	14	21	indiana%20mortgage%20foreclosure%20analysis%20-%20jan%20	indiana%20mortgage%20foreclosure%20analysis%20-%20jan%20	SYM
inlawrev-3746	14	22	1	1	NUM
inlawrev-3746	14	23	5%2003	5%2003	NUM
inlawrev-3746	14	24	.pdf	.pdf	NOUN
inlawrev-3746	15	1	(	(	PUNCT
inlawrev-3746	15	2	citing	cite	VERB
inlawrev-3746	15	3	mortgage	mortgage	NOUN
inlawrev-3746	15	4	bankers	bankers	PROPN
inlawrev-3746	15	5	association	association	PROPN
inlawrev-3746	15	6	,	,	PUNCT
inlawrev-3746	15	7	national	national	PROPN
inlawrev-3746	15	8	delinquency	delinquency	NOUN
inlawrev-3746	15	9	surveyfor	surveyfor	ADP
inlawrev-3746	15	10	2nd	2nd	ADJ
inlawrev-3746	15	11	quarter	quarter	NOUN
inlawrev-3746	15	12	(	(	PUNCT
inlawrev-3746	15	13	june	june	PROPN
inlawrev-3746	15	14	30	30	NUM
inlawrev-3746	15	15	,	,	PUNCT
inlawrev-3746	15	16	2002	2002	NUM
inlawrev-3746	15	17	)	)	PUNCT
inlawrev-3746	15	18	)	)	PUNCT
inlawrev-3746	15	19	.	.	PUNCT
inlawrev-3746	16	1	by	by	ADP
inlawrev-3746	16	2	the	the	DET
inlawrev-3746	16	3	second	second	ADJ
inlawrev-3746	16	4	quarter	quarter	NOUN
inlawrev-3746	16	5	in	in	ADP
inlawrev-3746	16	6	2004	2004	NUM
inlawrev-3746	16	7	,	,	PUNCT
inlawrev-3746	16	8	indiana	indiana	PROPN
inlawrev-3746	16	9	's	's	PART
inlawrev-3746	16	10	foreclosure	foreclosure	NOUN
inlawrev-3746	16	11	rate	rate	NOUN
inlawrev-3746	16	12	,	,	PUNCT
inlawrev-3746	16	13	now	now	ADV
inlawrev-3746	16	14	second	second	ADV
inlawrev-3746	16	15	highest	high	ADJ
inlawrev-3746	16	16	to	to	ADP
inlawrev-3746	16	17	ohio	ohio	PROPN
inlawrev-3746	16	18	,	,	PUNCT
inlawrev-3746	16	19	increased	increase	VERB
inlawrev-3746	16	20	to	to	ADP
inlawrev-3746	16	21	2.78	2.78	NUM
inlawrev-3746	16	22	%	%	NOUN
inlawrev-3746	16	23	while	while	SCONJ
inlawrev-3746	16	24	the	the	DET
inlawrev-3746	16	25	national	national	ADJ
inlawrev-3746	16	26	average	average	NOUN
inlawrev-3746	16	27	fell	fall	VERB
inlawrev-3746	16	28	to	to	ADP
inlawrev-3746	16	29	1.16	1.16	NUM
inlawrev-3746	16	30	%	%	NOUN
inlawrev-3746	16	31	.	.	PUNCT
inlawrev-3746	17	1	lesley	lesley	PROPN
inlawrev-3746	17	2	mitchell	mitchell	PROPN
inlawrev-3746	17	3	,	,	PUNCT
inlawrev-3746	17	4	foreclosure	foreclosure	NOUN
inlawrev-3746	17	5	rate	rate	NOUN
inlawrev-3746	17	6	remains	remain	VERB
inlawrev-3746	17	7	high	high	ADJ
inlawrev-3746	17	8	in	in	ADP
inlawrev-3746	17	9	utah	utah	PROPN
inlawrev-3746	17	10	,	,	PUNCT
inlawrev-3746	17	11	salt	salt	NOUN
inlawrev-3746	17	12	lake	lake	PROPN
inlawrev-3746	17	13	trib	trib	PROPN
inlawrev-3746	17	14	.	.	PROPN
inlawrev-3746	17	15	,	,	PUNCT
inlawrev-3746	17	16	sept	sept	PROPN
inlawrev-3746	17	17	.	.	PROPN
inlawrev-3746	17	18	9	9	NUM
inlawrev-3746	17	19	,	,	PUNCT
inlawrev-3746	17	20	2004	2004	NUM
inlawrev-3746	17	21	,	,	PUNCT
inlawrev-3746	17	22	at	at	ADP
inlawrev-3746	17	23	el	el	PROPN
inlawrev-3746	17	24	.	.	PROPN
inlawrev-3746	17	25	3	3	NUM
inlawrev-3746	17	26	.	.	PUNCT
inlawrev-3746	18	1	a	a	DET
inlawrev-3746	18	2	mortgage	mortgage	NOUN
inlawrev-3746	18	3	is	be	AUX
inlawrev-3746	18	4	"	"	PUNCT
inlawrev-3746	18	5	a	a	DET
inlawrev-3746	18	6	conveyance	conveyance	NOUN
inlawrev-3746	18	7	oftitle	oftitle	NOUN
inlawrev-3746	18	8	to	to	ADP
inlawrev-3746	18	9	property	property	NOUN
inlawrev-3746	18	10	that	that	PRON
inlawrev-3746	18	11	is	be	AUX
inlawrev-3746	18	12	given	give	VERB
inlawrev-3746	18	13	as	as	ADP
inlawrev-3746	18	14	security	security	NOUN
inlawrev-3746	18	15	for	for	ADP
inlawrev-3746	18	16	the	the	DET
inlawrev-3746	18	17	payment	payment	NOUN
inlawrev-3746	18	18	of	of	ADP
inlawrev-3746	18	19	a	a	DET
inlawrev-3746	18	20	debt	debt	NOUN
inlawrev-3746	18	21	or	or	CCONJ
inlawrev-3746	18	22	the	the	DET
inlawrev-3746	18	23	performance	performance	NOUN
inlawrev-3746	18	24	of	of	ADP
inlawrev-3746	18	25	a	a	DET
inlawrev-3746	18	26	duty	duty	NOUN
inlawrev-3746	18	27	"	"	PUNCT
inlawrev-3746	18	28	black	black	NOUN
inlawrev-3746	18	29	's	's	PART
inlawrev-3746	18	30	law	law	NOUN
inlawrev-3746	18	31	dictionary	dictionary	NOUN
inlawrev-3746	18	32	1031	1031	NUM
inlawrev-3746	18	33	(	(	PUNCT
inlawrev-3746	18	34	8th	8th	ADJ
inlawrev-3746	18	35	ed	ed	NOUN
inlawrev-3746	18	36	.	.	PUNCT
inlawrev-3746	18	37	2004	2004	NUM
inlawrev-3746	18	38	)	)	PUNCT
inlawrev-3746	18	39	.	.	PUNCT
inlawrev-3746	19	1	88	88	NUM
inlawrev-3746	19	2	indiana	indiana	PROPN
inlawrev-3746	19	3	law	law	NOUN
inlawrev-3746	19	4	review	review	NOUN
inlawrev-3746	19	5	[	[	X
inlawrev-3746	19	6	vol	vol	NOUN
inlawrev-3746	19	7	.	.	PUNCT
inlawrev-3746	19	8	39:87	39:87	NUM
inlawrev-3746	19	9	recognize	recognize	VERB
inlawrev-3746	19	10	,	,	PUNCT
inlawrev-3746	19	11	and	and	CCONJ
inlawrev-3746	19	12	nonjudicial	nonjudicial	ADJ
inlawrev-3746	19	13	foreclosure	foreclosure	NOUN
inlawrev-3746	19	14	,	,	PUNCT
inlawrev-3746	19	15	which	which	PRON
inlawrev-3746	19	16	only	only	ADV
inlawrev-3746	19	17	some	some	DET
inlawrev-3746	19	18	states	state	NOUN
inlawrev-3746	19	19	permit	permit	VERB
inlawrev-3746	19	20	by	by	ADP
inlawrev-3746	19	21	statute.4	statute.4	PROPN
inlawrev-3746	19	22	while	while	SCONJ
inlawrev-3746	19	23	foreclosures	foreclosure	NOUN
inlawrev-3746	19	24	are	be	AUX
inlawrev-3746	19	25	a	a	DET
inlawrev-3746	19	26	necessary	necessary	ADJ
inlawrev-3746	19	27	tool	tool	NOUN
inlawrev-3746	19	28	for	for	ADP
inlawrev-3746	19	29	lender	lender	NOUN
inlawrev-3746	19	30	-	-	PUNCT
inlawrev-3746	19	31	mortgagees	mortgagee	NOUN
inlawrev-3746	19	32	to	to	PART
inlawrev-3746	19	33	protect	protect	VERB
inlawrev-3746	19	34	their	their	PRON
inlawrev-3746	19	35	interests	interest	NOUN
inlawrev-3746	19	36	,	,	PUNCT
inlawrev-3746	19	37	they	they	PRON
inlawrev-3746	19	38	are	be	AUX
inlawrev-3746	19	39	always	always	ADV
inlawrev-3746	19	40	entered	enter	VERB
inlawrev-3746	19	41	into	into	ADP
inlawrev-3746	19	42	reluctantly	reluctantly	ADV
inlawrev-3746	19	43	because	because	SCONJ
inlawrev-3746	19	44	ofthe	ofthe	ADJ
inlawrev-3746	19	45	excessive	excessive	ADJ
inlawrev-3746	19	46	costs	cost	NOUN
inlawrev-3746	19	47	that	that	PRON
inlawrev-3746	19	48	they	they	PRON
inlawrev-3746	19	49	entail	entail	VERB
inlawrev-3746	19	50	.	.	PUNCT
inlawrev-3746	20	1	5	5	NUM
inlawrev-3746	20	2	while	while	SCONJ
inlawrev-3746	20	3	the	the	DET
inlawrev-3746	20	4	prospect	prospect	NOUN
inlawrev-3746	20	5	ofsome	ofsome	NOUN
inlawrev-3746	20	6	mortgages	mortgage	NOUN
inlawrev-3746	20	7	entering	enter	VERB
inlawrev-3746	20	8	into	into	ADP
inlawrev-3746	20	9	foreclosure	foreclosure	NOUN
inlawrev-3746	20	10	is	be	AUX
inlawrev-3746	20	11	inevitable	inevitable	ADJ
inlawrev-3746	20	12	,	,	PUNCT
inlawrev-3746	20	13	the	the	DET
inlawrev-3746	20	14	exorbitant	exorbitant	ADJ
inlawrev-3746	20	15	number	number	NOUN
inlawrev-3746	20	16	offoreclosures	offoreclosure	NOUN
inlawrev-3746	20	17	in	in	ADP
inlawrev-3746	20	18	indiana	indiana	PROPN
inlawrev-3746	20	19	is	be	AUX
inlawrev-3746	20	20	cause	cause	NOUN
inlawrev-3746	20	21	for	for	ADP
inlawrev-3746	20	22	alarm	alarm	NOUN
inlawrev-3746	20	23	,	,	PUNCT
inlawrev-3746	20	24	and	and	CCONJ
inlawrev-3746	20	25	its	its	PRON
inlawrev-3746	20	26	source	source	NOUN
inlawrev-3746	20	27	must	must	AUX
inlawrev-3746	20	28	be	be	AUX
inlawrev-3746	20	29	addressed	address	VERB
inlawrev-3746	20	30	as	as	ADV
inlawrev-3746	20	31	soon	soon	ADV
inlawrev-3746	20	32	as	as	ADP
inlawrev-3746	20	33	possible	possible	ADJ
inlawrev-3746	20	34	.	.	PUNCT
inlawrev-3746	21	1	various	various	ADJ
inlawrev-3746	21	2	causes	cause	NOUN
inlawrev-3746	21	3	of	of	ADP
inlawrev-3746	21	4	indiana	indiana	PROPN
inlawrev-3746	21	5	's	's	PART
inlawrev-3746	21	6	poor	poor	ADJ
inlawrev-3746	21	7	mortgage	mortgage	NOUN
inlawrev-3746	21	8	performance	performance	NOUN
inlawrev-3746	21	9	include	include	VERB
inlawrev-3746	21	10	the	the	DET
inlawrev-3746	21	11	weakened	weakened	ADJ
inlawrev-3746	21	12	economy	economy	NOUN
inlawrev-3746	21	13	,	,	PUNCT
inlawrev-3746	21	14	indiana	indiana	PROPN
inlawrev-3746	21	15	's	's	PART
inlawrev-3746	21	16	high	high	ADJ
inlawrev-3746	21	17	homeownership	homeownership	NOUN
inlawrev-3746	21	18	rate	rate	NOUN
inlawrev-3746	21	19	,	,	PUNCT
inlawrev-3746	21	20	predatory	predatory	NOUN
inlawrev-3746	21	21	lending	lending	NOUN
inlawrev-3746	21	22	,	,	PUNCT
inlawrev-3746	21	23	the	the	DET
inlawrev-3746	21	24	lack	lack	NOUN
inlawrev-3746	21	25	of	of	ADP
inlawrev-3746	21	26	equity	equity	NOUN
inlawrev-3746	21	27	for	for	ADP
inlawrev-3746	21	28	borrowers	borrower	NOUN
inlawrev-3746	21	29	,	,	PUNCT
inlawrev-3746	21	30	state	state	NOUN
inlawrev-3746	21	31	foreclosure	foreclosure	NOUN
inlawrev-3746	21	32	laws	law	NOUN
inlawrev-3746	21	33	,	,	PUNCT
inlawrev-3746	21	34	and	and	CCONJ
inlawrev-3746	21	35	the	the	DET
inlawrev-3746	21	36	influence	influence	NOUN
inlawrev-3746	21	37	ofgovernment	ofgovernment	ADJ
inlawrev-3746	21	38	subsidized	subsidized	ADJ
inlawrev-3746	21	39	loan	loan	NOUN
inlawrev-3746	21	40	agencies	agency	NOUN
inlawrev-3746	21	41	such	such	ADJ
inlawrev-3746	21	42	as	as	ADP
inlawrev-3746	21	43	the	the	DET
inlawrev-3746	21	44	federal	federal	PROPN
inlawrev-3746	21	45	housing	housing	PROPN
inlawrev-3746	21	46	administration	administration	PROPN
inlawrev-3746	21	47	(	(	PUNCT
inlawrev-3746	21	48	"	"	PUNCT
inlawrev-3746	21	49	fha	fha	PROPN
inlawrev-3746	21	50	"	"	PUNCT
inlawrev-3746	21	51	)	)	PUNCT
inlawrev-3746	21	52	.	.	PUNCT
inlawrev-3746	22	1	because	because	SCONJ
inlawrev-3746	22	2	ofthe	ofthe	ADJ
inlawrev-3746	22	3	downturn	downturn	NOUN
inlawrev-3746	22	4	in	in	ADP
inlawrev-3746	22	5	the	the	DET
inlawrev-3746	22	6	national	national	ADJ
inlawrev-3746	22	7	economy	economy	NOUN
inlawrev-3746	22	8	,	,	PUNCT
inlawrev-3746	22	9	indiana	indiana	PROPN
inlawrev-3746	22	10	's	's	PART
inlawrev-3746	22	11	job	job	NOUN
inlawrev-3746	22	12	market	market	NOUN
inlawrev-3746	22	13	has	have	AUX
inlawrev-3746	22	14	weakened	weaken	VERB
inlawrev-3746	22	15	considerably	considerably	ADV
inlawrev-3746	22	16	in	in	ADP
inlawrev-3746	22	17	recent	recent	ADJ
inlawrev-3746	22	18	years	year	NOUN
inlawrev-3746	22	19	.	.	PUNCT
inlawrev-3746	23	1	6	6	NUM
inlawrev-3746	23	2	the	the	DET
inlawrev-3746	23	3	collapse	collapse	NOUN
inlawrev-3746	23	4	of	of	ADP
inlawrev-3746	23	5	the	the	DET
inlawrev-3746	23	6	manufacturing	manufacturing	NOUN
inlawrev-3746	23	7	sector	sector	NOUN
inlawrev-3746	23	8	,	,	PUNCT
inlawrev-3746	23	9	which	which	PRON
inlawrev-3746	23	10	hit	hit	VERB
inlawrev-3746	23	11	indiana	indiana	PROPN
inlawrev-3746	23	12	particularly	particularly	ADV
inlawrev-3746	23	13	hard	hard	ADV
inlawrev-3746	23	14	,	,	PUNCT
inlawrev-3746	23	15	induced	induce	VERB
inlawrev-3746	23	16	this	this	DET
inlawrev-3746	23	17	trend	trend	NOUN
inlawrev-3746	23	18	.	.	PUNCT
inlawrev-3746	24	1	7	7	NUM
inlawrev-3746	24	2	nevertheless	nevertheless	ADV
inlawrev-3746	24	3	,	,	PUNCT
inlawrev-3746	24	4	indiana	indiana	PROPN
inlawrev-3746	24	5	's	's	PART
inlawrev-3746	24	6	unemployment	unemployment	NOUN
inlawrev-3746	24	7	rates	rate	NOUN
inlawrev-3746	24	8	remain	remain	VERB
inlawrev-3746	24	9	below	below	ADP
inlawrev-3746	24	10	those	those	PRON
inlawrev-3746	24	11	of	of	ADP
inlawrev-3746	24	12	states	state	NOUN
inlawrev-3746	24	13	that	that	PRON
inlawrev-3746	24	14	have	have	VERB
inlawrev-3746	24	15	lower	low	ADJ
inlawrev-3746	24	16	foreclosure	foreclosure	NOUN
inlawrev-3746	24	17	rates	rate	NOUN
inlawrev-3746	24	18	.	.	PUNCT
inlawrev-3746	25	1	implicitly	implicitly	ADV
inlawrev-3746	25	2	,	,	PUNCT
inlawrev-3746	25	3	therefore	therefore	ADV
inlawrev-3746	25	4	,	,	PUNCT
inlawrev-3746	25	5	it	it	PRON
inlawrev-3746	25	6	is	be	AUX
inlawrev-3746	25	7	not	not	PART
inlawrev-3746	25	8	the	the	DET
inlawrev-3746	25	9	level	level	NOUN
inlawrev-3746	25	10	ofunemployment	ofunemployment	NOUN
inlawrev-3746	25	11	that	that	PRON
inlawrev-3746	25	12	affects	affect	VERB
inlawrev-3746	25	13	foreclosure	foreclosure	NOUN
inlawrev-3746	25	14	rates	rate	NOUN
inlawrev-3746	25	15	,	,	PUNCT
inlawrev-3746	25	16	but	but	CCONJ
inlawrev-3746	25	17	rather	rather	ADV
inlawrev-3746	25	18	how	how	SCONJ
inlawrev-3746	25	19	the	the	DET
inlawrev-3746	25	20	level	level	NOUN
inlawrev-3746	25	21	ofunemployment	ofunemployment	ADJ
inlawrev-3746	25	22	changes	change	NOUN
inlawrev-3746	25	23	from	from	ADP
inlawrev-3746	25	24	one	one	NUM
inlawrev-3746	25	25	period	period	NOUN
inlawrev-3746	25	26	to	to	ADP
inlawrev-3746	25	27	the	the	DET
inlawrev-3746	25	28	next	next	ADJ
inlawrev-3746	25	29	.	.	PUNCT
inlawrev-3746	26	1	8	8	NUM
inlawrev-3746	26	2	nonetheless	nonetheless	ADV
inlawrev-3746	26	3	,	,	PUNCT
inlawrev-3746	26	4	when	when	SCONJ
inlawrev-3746	26	5	people	people	NOUN
inlawrev-3746	26	6	lose	lose	VERB
inlawrev-3746	26	7	their	their	PRON
inlawrev-3746	26	8	jobs	job	NOUN
inlawrev-3746	26	9	,	,	PUNCT
inlawrev-3746	26	10	they	they	PRON
inlawrev-3746	26	11	will	will	AUX
inlawrev-3746	26	12	be	be	AUX
inlawrev-3746	26	13	less	less	ADV
inlawrev-3746	26	14	able	able	ADJ
inlawrev-3746	26	15	to	to	PART
inlawrev-3746	26	16	pay	pay	VERB
inlawrev-3746	26	17	their	their	PRON
inlawrev-3746	26	18	monthly	monthly	ADJ
inlawrev-3746	26	19	liabilities	liability	NOUN
inlawrev-3746	26	20	,	,	PUNCT
inlawrev-3746	26	21	including	include	VERB
inlawrev-3746	26	22	their	their	PRON
inlawrev-3746	26	23	mortgage	mortgage	NOUN
inlawrev-3746	26	24	payments	payment	NOUN
inlawrev-3746	26	25	.	.	PUNCT
inlawrev-3746	27	1	indiana	indiana	PROPN
inlawrev-3746	27	2	has	have	VERB
inlawrev-3746	27	3	one	one	NUM
inlawrev-3746	27	4	ofthe	ofthe	NOUN
inlawrev-3746	27	5	highest	high	ADJ
inlawrev-3746	27	6	state	state	NOUN
inlawrev-3746	27	7	homeownership	homeownership	NOUN
inlawrev-3746	27	8	rates	rate	NOUN
inlawrev-3746	27	9	in	in	ADP
inlawrev-3746	27	10	the	the	DET
inlawrev-3746	27	11	country	country	NOUN
inlawrev-3746	27	12	,	,	PUNCT
inlawrev-3746	27	13	even	even	ADV
inlawrev-3746	27	14	at	at	ADP
inlawrev-3746	27	15	a	a	DET
inlawrev-3746	27	16	time	time	NOUN
inlawrev-3746	27	17	when	when	SCONJ
inlawrev-3746	27	18	national	national	ADJ
inlawrev-3746	27	19	homeownership	homeownership	NOUN
inlawrev-3746	27	20	is	be	AUX
inlawrev-3746	27	21	on	on	ADP
inlawrev-3746	27	22	the	the	DET
inlawrev-3746	27	23	rise.9	rise.9	NOUN
inlawrev-3746	27	24	relatively	relatively	ADV
inlawrev-3746	27	25	low	low	ADJ
inlawrev-3746	27	26	home	home	NOUN
inlawrev-3746	27	27	prices	price	NOUN
inlawrev-3746	27	28	and	and	CCONJ
inlawrev-3746	27	29	previously	previously	ADV
inlawrev-3746	27	30	low	low	ADJ
inlawrev-3746	27	31	unemployment	unemployment	NOUN
inlawrev-3746	27	32	rates	rate	NOUN
inlawrev-3746	27	33	have	have	AUX
inlawrev-3746	27	34	allowed	allow	VERB
inlawrev-3746	27	35	indiana	indiana	PROPN
inlawrev-3746	27	36	citizens	citizen	NOUN
inlawrev-3746	27	37	to	to	PART
inlawrev-3746	27	38	have	have	VERB
inlawrev-3746	27	39	ownership	ownership	NOUN
inlawrev-3746	27	40	opportunities	opportunity	NOUN
inlawrev-3746	27	41	that	that	PRON
inlawrev-3746	27	42	are	be	AUX
inlawrev-3746	27	43	not	not	PART
inlawrev-3746	27	44	available	available	ADJ
inlawrev-3746	27	45	elsewhere	elsewhere	ADV
inlawrev-3746	27	46	.	.	PUNCT
inlawrev-3746	28	1	10	10	NUM
inlawrev-3746	28	2	because	because	SCONJ
inlawrev-3746	28	3	ofthe	ofthe	ADJ
inlawrev-3746	28	4	large	large	ADJ
inlawrev-3746	28	5	number	number	NOUN
inlawrev-3746	28	6	ofhomeowners	ofhomeowner	NOUN
inlawrev-3746	28	7	in	in	ADP
inlawrev-3746	28	8	the	the	DET
inlawrev-3746	28	9	state	state	NOUN
inlawrev-3746	28	10	,	,	PUNCT
inlawrev-3746	28	11	negative	negative	ADJ
inlawrev-3746	28	12	developments	development	NOUN
inlawrev-3746	28	13	in	in	ADP
inlawrev-3746	28	14	the	the	DET
inlawrev-3746	28	15	housing	housing	NOUN
inlawrev-3746	28	16	market	market	NOUN
inlawrev-3746	28	17	will	will	AUX
inlawrev-3746	28	18	have	have	VERB
inlawrev-3746	28	19	a	a	DET
inlawrev-3746	28	20	disparate	disparate	ADJ
inlawrev-3746	28	21	impact	impact	NOUN
inlawrev-3746	28	22	on	on	ADP
inlawrev-3746	28	23	indiana	indiana	PROPN
inlawrev-3746	28	24	residents	resident	NOUN
inlawrev-3746	28	25	.	.	PUNCT
inlawrev-3746	29	1	one	one	NUM
inlawrev-3746	29	2	of	of	ADP
inlawrev-3746	29	3	the	the	DET
inlawrev-3746	29	4	most	most	ADV
inlawrev-3746	29	5	hotly	hotly	ADV
inlawrev-3746	29	6	debated	debate	VERB
inlawrev-3746	29	7	topics	topic	NOUN
inlawrev-3746	29	8	in	in	ADP
inlawrev-3746	29	9	lending	lending	NOUN
inlawrev-3746	29	10	is	be	AUX
inlawrev-3746	29	11	predatory	predatory	ADJ
inlawrev-3746	29	12	lending	lending	NOUN
inlawrev-3746	29	13	.	.	PUNCT
inlawrev-3746	30	1	predatory	predatory	ADJ
inlawrev-3746	30	2	lending	lending	NOUN
inlawrev-3746	30	3	practices	practice	NOUN
inlawrev-3746	30	4	,	,	PUNCT
inlawrev-3746	30	5	such	such	ADJ
inlawrev-3746	30	6	as	as	ADP
inlawrev-3746	30	7	charging	charge	VERB
inlawrev-3746	30	8	excessive	excessive	ADJ
inlawrev-3746	30	9	fees	fee	NOUN
inlawrev-3746	30	10	or	or	CCONJ
inlawrev-3746	30	11	interest	interest	NOUN
inlawrev-3746	30	12	rates	rate	NOUN
inlawrev-3746	30	13	and	and	CCONJ
inlawrev-3746	30	14	performing	perform	VERB
inlawrev-3746	30	15	fraudulent	fraudulent	ADJ
inlawrev-3746	30	16	appraisals	appraisal	NOUN
inlawrev-3746	30	17	,	,	PUNCT
inlawrev-3746	30	18	exploit	exploit	VERB
inlawrev-3746	30	19	the	the	DET
inlawrev-3746	30	20	financial	financial	ADJ
inlawrev-3746	30	21	situation	situation	NOUN
inlawrev-3746	30	22	or	or	CCONJ
inlawrev-3746	30	23	lack	lack	NOUN
inlawrev-3746	30	24	of	of	ADP
inlawrev-3746	30	25	4	4	NUM
inlawrev-3746	30	26	.	.	PUNCT
inlawrev-3746	31	1	the	the	DET
inlawrev-3746	31	2	differences	difference	NOUN
inlawrev-3746	31	3	between	between	ADP
inlawrev-3746	31	4	judicial	judicial	ADJ
inlawrev-3746	31	5	and	and	CCONJ
inlawrev-3746	31	6	nonjudicial	nonjudicial	ADJ
inlawrev-3746	31	7	foreclosure	foreclosure	NOUN
inlawrev-3746	31	8	will	will	AUX
inlawrev-3746	31	9	be	be	AUX
inlawrev-3746	31	10	examined	examine	VERB
inlawrev-3746	31	11	in	in	ADP
inlawrev-3746	31	12	greater	great	ADJ
inlawrev-3746	31	13	detail	detail	NOUN
inlawrev-3746	31	14	,	,	PUNCT
inlawrev-3746	31	15	infra	infra	NOUN
inlawrev-3746	31	16	part	part	NOUN
inlawrev-3746	31	17	i.	i.	PROPN
inlawrev-3746	31	18	5	5	NUM
inlawrev-3746	31	19	.	.	PUNCT
inlawrev-3746	32	1	karenm	karenm	PROPN
inlawrev-3746	32	2	.	.	PUNCT
inlawrev-3746	33	1	pence	pence	PROPN
inlawrev-3746	33	2	,	,	PUNCT
inlawrev-3746	33	3	foreclosingonopportunity	foreclosingonopportunity	NOUN
inlawrev-3746	33	4	:	:	PUNCT
inlawrev-3746	33	5	state	state	NOUN
inlawrev-3746	33	6	lawsandmortgage	lawsandmortgage	NOUN
inlawrev-3746	33	7	credit	credit	NOUN
inlawrev-3746	33	8	1	1	NUM
inlawrev-3746	33	9	(	(	PUNCT
inlawrev-3746	33	10	2003	2003	NUM
inlawrev-3746	33	11	)	)	PUNCT
inlawrev-3746	33	12	,	,	PUNCT
inlawrev-3746	33	13	available	available	ADJ
inlawrev-3746	33	14	at	at	ADP
inlawrev-3746	33	15	http://www.mbaa.org/industry/reports/03/frb_foreclosure_study_02	http://www.mbaa.org/industry/reports/03/frb_foreclosure_study_02	PROPN
inlawrev-3746	33	16	1	1	NUM
inlawrev-3746	33	17	4.pdf	4.pdf	NOUN
inlawrev-3746	33	18	(	(	PUNCT
inlawrev-3746	33	19	"	"	PUNCT
inlawrev-3746	33	20	[	[	X
inlawrev-3746	33	21	estimated	estimate	VERB
inlawrev-3746	33	22	losses	loss	NOUN
inlawrev-3746	33	23	on	on	ADP
inlawrev-3746	33	24	these	these	DET
inlawrev-3746	33	25	foreclosures	foreclosure	NOUN
inlawrev-3746	33	26	range	range	VERB
inlawrev-3746	33	27	from	from	ADP
inlawrev-3746	33	28	30	30	NUM
inlawrev-3746	33	29	to	to	PART
inlawrev-3746	33	30	60	60	NUM
inlawrev-3746	33	31	percent	percent	NOUN
inlawrev-3746	33	32	of	of	ADP
inlawrev-3746	33	33	the	the	DET
inlawrev-3746	33	34	outstanding	outstanding	ADJ
inlawrev-3746	33	35	loan	loan	NOUN
inlawrev-3746	33	36	balance	balance	NOUN
inlawrev-3746	33	37	because	because	SCONJ
inlawrev-3746	33	38	of	of	ADP
inlawrev-3746	33	39	legal	legal	ADJ
inlawrev-3746	33	40	fees	fee	NOUN
inlawrev-3746	33	41	,	,	PUNCT
inlawrev-3746	33	42	foregone	foregone	NOUN
inlawrev-3746	33	43	interest	interest	NOUN
inlawrev-3746	33	44	,	,	PUNCT
inlawrev-3746	33	45	and	and	CCONJ
inlawrev-3746	33	46	property	property	NOUN
inlawrev-3746	33	47	expenses	expense	NOUN
inlawrev-3746	33	48	.	.	PUNCT
inlawrev-3746	34	1	"	"	PUNCT
inlawrev-3746	34	2	)	)	PUNCT
inlawrev-3746	34	3	.	.	PUNCT
inlawrev-3746	35	1	6	6	X
inlawrev-3746	35	2	.	.	X
inlawrev-3746	35	3	national	national	ADJ
inlawrev-3746	35	4	ass'n	ass'n	PROPN
inlawrev-3746	35	5	ofrealtors	ofrealtor	NOUN
inlawrev-3746	35	6	®	®	NOUN
inlawrev-3746	35	7	,	,	PUNCT
inlawrev-3746	35	8	rising	rise	VERB
inlawrev-3746	35	9	foreclosure	foreclosure	NOUN
inlawrev-3746	35	10	rates	rate	NOUN
inlawrev-3746	35	11	in	in	ADP
inlawrev-3746	35	12	indiana	indiana	PROPN
inlawrev-3746	35	13	:	:	PUNCT
inlawrev-3746	35	14	an	an	DET
inlawrev-3746	35	15	explanatory	explanatory	ADJ
inlawrev-3746	35	16	analysis	analysis	NOUN
inlawrev-3746	35	17	of	of	ADP
inlawrev-3746	35	18	contributing	contribute	VERB
inlawrev-3746	35	19	factors	factor	NOUN
inlawrev-3746	35	20	5	5	NUM
inlawrev-3746	35	21	(	(	PUNCT
inlawrev-3746	35	22	mar	mar	PROPN
inlawrev-3746	35	23	.	.	PROPN
inlawrev-3746	35	24	2003	2003	NUM
inlawrev-3746	35	25	)	)	PUNCT
inlawrev-3746	35	26	,	,	PUNCT
inlawrev-3746	35	27	http://www.indianamba.org/downloads/	http://www.indianamba.org/downloads/	X
inlawrev-3746	36	1	realtors%20research.pdf	realtors%20research.pdf	X
inlawrev-3746	37	1	[	[	X
inlawrev-3746	37	2	hereinafter	hereinafter	NOUN
inlawrev-3746	37	3	rising	rise	VERB
inlawrev-3746	37	4	foreclosure	foreclosure	NOUN
inlawrev-3746	37	5	rates	rate	NOUN
inlawrev-3746	37	6	in	in	ADP
inlawrev-3746	37	7	indiana	indiana	PROPN
inlawrev-3746	37	8	]	]	PUNCT
inlawrev-3746	37	9	.	.	PUNCT
inlawrev-3746	38	1	7	7	X
inlawrev-3746	38	2	.	.	X
inlawrev-3746	38	3	indiana	indiana	PROPN
inlawrev-3746	38	4	has	have	VERB
inlawrev-3746	38	5	one	one	NUM
inlawrev-3746	38	6	of	of	ADP
inlawrev-3746	38	7	the	the	DET
inlawrev-3746	38	8	highest	high	ADJ
inlawrev-3746	38	9	percentages	percentage	NOUN
inlawrev-3746	38	10	of	of	ADP
inlawrev-3746	38	11	workforce	workforce	NOUN
inlawrev-3746	38	12	participation	participation	NOUN
inlawrev-3746	38	13	in	in	ADP
inlawrev-3746	38	14	the	the	DET
inlawrev-3746	38	15	manufacturing	manufacturing	NOUN
inlawrev-3746	38	16	sector	sector	NOUN
inlawrev-3746	38	17	.	.	PUNCT
inlawrev-3746	39	1	twenty	twenty	NUM
inlawrev-3746	39	2	-	-	PUNCT
inlawrev-3746	39	3	two	two	NUM
inlawrev-3746	39	4	percent	percent	NOUN
inlawrev-3746	39	5	of	of	ADP
inlawrev-3746	39	6	indiana	indiana	PROPN
inlawrev-3746	39	7	's	's	PART
inlawrev-3746	39	8	workforce	workforce	NOUN
inlawrev-3746	39	9	is	be	AUX
inlawrev-3746	39	10	based	base	VERB
inlawrev-3746	39	11	on	on	ADP
inlawrev-3746	39	12	manufacturing	manufacturing	NOUN
inlawrev-3746	39	13	,	,	PUNCT
inlawrev-3746	39	14	compared	compare	VERB
inlawrev-3746	39	15	to	to	ADP
inlawrev-3746	39	16	14.5	14.5	NUM
inlawrev-3746	39	17	%	%	NOUN
inlawrev-3746	39	18	nationally	nationally	ADV
inlawrev-3746	39	19	.	.	PUNCT
inlawrev-3746	40	1	i	i	PRON
inlawrev-3746	40	2	d.	d.	PROPN
inlawrev-3746	40	3	8	8	NUM
inlawrev-3746	40	4	.	.	PUNCT
inlawrev-3746	41	1	i	i	PRON
inlawrev-3746	41	2	d.	d.	PROPN
inlawrev-3746	41	3	at	at	ADP
inlawrev-3746	41	4	11	11	NUM
inlawrev-3746	41	5	.	.	PUNCT
inlawrev-3746	42	1	9	9	NUM
inlawrev-3746	42	2	.	.	PUNCT
inlawrev-3746	42	3	based	base	VERB
inlawrev-3746	42	4	on	on	ADP
inlawrev-3746	42	5	2000	2000	NUM
inlawrev-3746	42	6	census	census	NOUN
inlawrev-3746	42	7	data	datum	NOUN
inlawrev-3746	42	8	,	,	PUNCT
inlawrev-3746	42	9	indiana	indiana	PROPN
inlawrev-3746	42	10	's	's	PART
inlawrev-3746	42	11	homeownership	homeownership	NOUN
inlawrev-3746	42	12	rate	rate	NOUN
inlawrev-3746	42	13	was	be	AUX
inlawrev-3746	42	14	74.9	74.9	NUM
inlawrev-3746	42	15	%	%	NOUN
inlawrev-3746	42	16	,	,	PUNCT
inlawrev-3746	42	17	compared	compare	VERB
inlawrev-3746	42	18	to	to	ADP
inlawrev-3746	42	19	67.4	67.4	NUM
inlawrev-3746	42	20	%	%	NOUN
inlawrev-3746	42	21	nationally	nationally	ADV
inlawrev-3746	42	22	.	.	PUNCT
inlawrev-3746	43	1	i	i	PRON
inlawrev-3746	43	2	d.	d.	PROPN
inlawrev-3746	43	3	at	at	ADP
inlawrev-3746	43	4	5	5	NUM
inlawrev-3746	43	5	.	.	PUNCT
inlawrev-3746	43	6	10	10	NUM
inlawrev-3746	43	7	.	.	PUNCT
inlawrev-3746	44	1	i	i	PRON
inlawrev-3746	44	2	d.	d.	PROPN
inlawrev-3746	44	3	2005	2005	NUM
inlawrev-3746	44	4	]	]	PUNCT
inlawrev-3746	44	5	hoosier	hoosier	NOUN
inlawrev-3746	44	6	inhospitality	inhospitality	NOUN
inlawrev-3746	44	7	89	89	NUM
inlawrev-3746	44	8	knowledge	knowledge	NOUN
inlawrev-3746	44	9	ofthe	ofthe	NOUN
inlawrev-3746	44	10	borrower	borrower	NOUN
inlawrev-3746	44	11	.	.	PUNCT
inlawrev-3746	45	1	1	1	NUM
inlawrev-3746	45	2	l	l	NOUN
inlawrev-3746	45	3	in	in	ADP
inlawrev-3746	45	4	response	response	NOUN
inlawrev-3746	45	5	to	to	ADP
inlawrev-3746	45	6	concerns	concern	NOUN
inlawrev-3746	45	7	that	that	SCONJ
inlawrev-3746	45	8	lenders	lender	NOUN
inlawrev-3746	45	9	in	in	ADP
inlawrev-3746	45	10	indiana	indiana	PROPN
inlawrev-3746	45	11	are	be	AUX
inlawrev-3746	45	12	engaging	engage	VERB
inlawrev-3746	45	13	in	in	ADP
inlawrev-3746	45	14	these	these	DET
inlawrev-3746	45	15	practices	practice	NOUN
inlawrev-3746	45	16	,	,	PUNCT
inlawrev-3746	45	17	the	the	DET
inlawrev-3746	45	18	indiana	indiana	PROPN
inlawrev-3746	45	19	general	general	PROPN
inlawrev-3746	45	20	assembly	assembly	PROPN
inlawrev-3746	45	21	enacted	enact	VERB
inlawrev-3746	45	22	the	the	DET
inlawrev-3746	45	23	"	"	PUNCT
inlawrev-3746	45	24	indiana	indiana	PROPN
inlawrev-3746	45	25	home	home	PROPN
inlawrev-3746	45	26	owner	owner	PROPN
inlawrev-3746	45	27	protection	protection	PROPN
inlawrev-3746	45	28	act	act	PROPN
inlawrev-3746	45	29	"	"	PUNCT
inlawrev-3746	45	30	12	12	NUM
inlawrev-3746	45	31	in	in	ADP
inlawrev-3746	45	32	2004	2004	NUM
inlawrev-3746	45	33	.	.	PUNCT
inlawrev-3746	46	1	this	this	DET
inlawrev-3746	46	2	bill	bill	NOUN
inlawrev-3746	46	3	,	,	PUNCT
inlawrev-3746	46	4	which	which	PRON
inlawrev-3746	46	5	became	become	VERB
inlawrev-3746	46	6	effective	effective	ADJ
inlawrev-3746	46	7	on	on	ADP
inlawrev-3746	46	8	january	january	PROPN
inlawrev-3746	46	9	1	1	NUM
inlawrev-3746	46	10	,	,	PUNCT
inlawrev-3746	46	11	2005	2005	NUM
inlawrev-3746	46	12	,	,	PUNCT
inlawrev-3746	46	13	aims	aim	VERB
inlawrev-3746	46	14	at	at	ADP
inlawrev-3746	46	15	preventing	prevent	VERB
inlawrev-3746	46	16	and	and	CCONJ
inlawrev-3746	46	17	punishing	punish	VERB
inlawrev-3746	46	18	lenders	lender	NOUN
inlawrev-3746	46	19	engaged	engage	VERB
inlawrev-3746	46	20	in	in	ADP
inlawrev-3746	46	21	predatory	predatory	ADJ
inlawrev-3746	46	22	lending	lending	NOUN
inlawrev-3746	46	23	schemes	scheme	NOUN
inlawrev-3746	46	24	.	.	PUNCT
inlawrev-3746	47	1	another	another	DET
inlawrev-3746	47	2	reason	reason	NOUN
inlawrev-3746	47	3	that	that	PRON
inlawrev-3746	47	4	indiana	indiana	PROPN
inlawrev-3746	47	5	residential	residential	ADJ
inlawrev-3746	47	6	mortgages	mortgage	NOUN
inlawrev-3746	47	7	have	have	AUX
inlawrev-3746	47	8	been	be	AUX
inlawrev-3746	47	9	more	more	ADV
inlawrev-3746	47	10	likely	likely	ADJ
inlawrev-3746	47	11	to	to	PART
inlawrev-3746	47	12	foreclose	foreclose	VERB
inlawrev-3746	47	13	is	be	AUX
inlawrev-3746	47	14	that	that	SCONJ
inlawrev-3746	47	15	mortgagors	mortgagor	NOUN
inlawrev-3746	47	16	have	have	VERB
inlawrev-3746	47	17	a	a	DET
inlawrev-3746	47	18	lack	lack	NOUN
inlawrev-3746	47	19	of	of	ADP
inlawrev-3746	47	20	equity	equity	NOUN
inlawrev-3746	47	21	in	in	ADP
inlawrev-3746	47	22	their	their	PRON
inlawrev-3746	47	23	homes	home	NOUN
inlawrev-3746	47	24	.	.	PUNCT
inlawrev-3746	48	1	indiana	indiana	PROPN
inlawrev-3746	48	2	borrowers	borrower	NOUN
inlawrev-3746	48	3	tend	tend	VERB
inlawrev-3746	48	4	to	to	PART
inlawrev-3746	48	5	initiate	initiate	VERB
inlawrev-3746	48	6	loans	loan	NOUN
inlawrev-3746	48	7	with	with	ADP
inlawrev-3746	48	8	greater	great	ADJ
inlawrev-3746	48	9	loan	loan	NOUN
inlawrev-3746	48	10	-	-	PUNCT
inlawrev-3746	48	11	to	to	ADP
inlawrev-3746	48	12	-	-	PUNCT
inlawrev-3746	48	13	value	value	NOUN
inlawrev-3746	48	14	ratios	ratio	NOUN
inlawrev-3746	48	15	than	than	ADP
inlawrev-3746	48	16	borrowers	borrower	NOUN
inlawrev-3746	48	17	in	in	ADP
inlawrev-3746	48	18	other	other	ADJ
inlawrev-3746	48	19	states	state	NOUN
inlawrev-3746	48	20	.	.	PUNCT
inlawrev-3746	49	1	13	13	NUM
inlawrev-3746	50	1	in	in	ADP
inlawrev-3746	50	2	addition	addition	NOUN
inlawrev-3746	50	3	to	to	ADP
inlawrev-3746	50	4	lower	low	ADJ
inlawrev-3746	50	5	beginning	beginning	NOUN
inlawrev-3746	50	6	equity	equity	NOUN
inlawrev-3746	50	7	,	,	PUNCT
inlawrev-3746	50	8	indiana	indiana	PROPN
inlawrev-3746	50	9	homes	home	NOUN
inlawrev-3746	50	10	have	have	AUX
inlawrev-3746	50	11	not	not	PART
inlawrev-3746	50	12	appreciated	appreciate	VERB
inlawrev-3746	50	13	at	at	ADP
inlawrev-3746	50	14	a	a	DET
inlawrev-3746	50	15	rate	rate	NOUN
inlawrev-3746	50	16	consistent	consistent	ADJ
inlawrev-3746	50	17	with	with	ADP
inlawrev-3746	50	18	the	the	DET
inlawrev-3746	50	19	national	national	ADJ
inlawrev-3746	50	20	average	average	NOUN
inlawrev-3746	50	21	.	.	PUNCT
inlawrev-3746	51	1	14	14	NUM
inlawrev-3746	51	2	relatively	relatively	ADV
inlawrev-3746	51	3	high	high	ADJ
inlawrev-3746	51	4	rates	rate	NOUN
inlawrev-3746	51	5	of	of	ADP
inlawrev-3746	51	6	new	new	ADJ
inlawrev-3746	51	7	homebuilding	homebuilding	ADJ
inlawrev-3746	51	8	activity	activity	NOUN
inlawrev-3746	51	9	,	,	PUNCT
inlawrev-3746	51	10	seen	see	VERB
inlawrev-3746	51	11	in	in	ADP
inlawrev-3746	51	12	most	most	ADJ
inlawrev-3746	51	13	midwestern	midwestern	ADJ
inlawrev-3746	51	14	states	state	NOUN
inlawrev-3746	51	15	,	,	PUNCT
inlawrev-3746	51	16	contribute	contribute	VERB
inlawrev-3746	51	17	significantly	significantly	ADV
inlawrev-3746	51	18	to	to	ADP
inlawrev-3746	51	19	this	this	DET
inlawrev-3746	51	20	lack	lack	NOUN
inlawrev-3746	51	21	ofappreciation	ofappreciation	NOUN
inlawrev-3746	51	22	.	.	PUNCT
inlawrev-3746	52	1	15	15	NUM
inlawrev-3746	52	2	based	base	VERB
inlawrev-3746	52	3	on	on	ADP
inlawrev-3746	52	4	basic	basic	ADJ
inlawrev-3746	52	5	economics	economic	NOUN
inlawrev-3746	52	6	principles	principle	NOUN
inlawrev-3746	52	7	,	,	PUNCT
inlawrev-3746	52	8	this	this	DET
inlawrev-3746	52	9	increase	increase	NOUN
inlawrev-3746	52	10	in	in	ADP
inlawrev-3746	52	11	housing	housing	NOUN
inlawrev-3746	52	12	supply	supply	NOUN
inlawrev-3746	52	13	causes	cause	VERB
inlawrev-3746	52	14	the	the	DET
inlawrev-3746	52	15	average	average	ADJ
inlawrev-3746	52	16	price	price	NOUN
inlawrev-3746	52	17	of	of	ADP
inlawrev-3746	52	18	the	the	DET
inlawrev-3746	52	19	homes	home	NOUN
inlawrev-3746	52	20	to	to	PART
inlawrev-3746	52	21	remain	remain	VERB
inlawrev-3746	52	22	constant	constant	ADJ
inlawrev-3746	52	23	or	or	CCONJ
inlawrev-3746	52	24	decrease	decrease	NOUN
inlawrev-3746	52	25	over	over	ADP
inlawrev-3746	52	26	time	time	NOUN
inlawrev-3746	52	27	,	,	PUNCT
inlawrev-3746	52	28	as	as	SCONJ
inlawrev-3746	52	29	there	there	PRON
inlawrev-3746	52	30	has	have	AUX
inlawrev-3746	52	31	not	not	PART
inlawrev-3746	52	32	been	be	AUX
inlawrev-3746	52	33	a	a	DET
inlawrev-3746	52	34	proportionate	proportionate	ADJ
inlawrev-3746	52	35	increase	increase	NOUN
inlawrev-3746	52	36	in	in	ADP
inlawrev-3746	52	37	demand	demand	NOUN
inlawrev-3746	52	38	.	.	PUNCT
inlawrev-3746	53	1	inevitably	inevitably	ADV
inlawrev-3746	53	2	,	,	PUNCT
inlawrev-3746	53	3	when	when	SCONJ
inlawrev-3746	53	4	mortgagors	mortgagor	NOUN
inlawrev-3746	53	5	with	with	ADP
inlawrev-3746	53	6	low	low	ADJ
inlawrev-3746	53	7	equity	equity	NOUN
inlawrev-3746	53	8	face	face	NOUN
inlawrev-3746	53	9	foreclosure	foreclosure	NOUN
inlawrev-3746	53	10	,	,	PUNCT
inlawrev-3746	53	11	they	they	PRON
inlawrev-3746	53	12	are	be	AUX
inlawrev-3746	53	13	more	more	ADV
inlawrev-3746	53	14	likely	likely	ADJ
inlawrev-3746	53	15	to	to	PART
inlawrev-3746	53	16	concede	concede	VERB
inlawrev-3746	53	17	to	to	ADP
inlawrev-3746	53	18	the	the	DET
inlawrev-3746	53	19	process	process	NOUN
inlawrev-3746	53	20	than	than	ADP
inlawrev-3746	53	21	a	a	DET
inlawrev-3746	53	22	person	person	NOUN
inlawrev-3746	53	23	with	with	ADP
inlawrev-3746	53	24	a	a	DET
inlawrev-3746	53	25	higher	high	ADJ
inlawrev-3746	53	26	amount	amount	NOUN
inlawrev-3746	53	27	of	of	ADP
inlawrev-3746	53	28	equity	equity	NOUN
inlawrev-3746	53	29	because	because	SCONJ
inlawrev-3746	53	30	they	they	PRON
inlawrev-3746	53	31	would	would	AUX
inlawrev-3746	53	32	be	be	AUX
inlawrev-3746	53	33	less	less	ADV
inlawrev-3746	53	34	able	able	ADJ
inlawrev-3746	53	35	to	to	PART
inlawrev-3746	53	36	sell	sell	VERB
inlawrev-3746	53	37	the	the	DET
inlawrev-3746	53	38	property	property	NOUN
inlawrev-3746	53	39	to	to	PART
inlawrev-3746	53	40	satisfy	satisfy	VERB
inlawrev-3746	53	41	the	the	DET
inlawrev-3746	53	42	mortgage	mortgage	NOUN
inlawrev-3746	53	43	balance	balance	NOUN
inlawrev-3746	53	44	and	and	CCONJ
inlawrev-3746	53	45	could	could	AUX
inlawrev-3746	53	46	face	face	VERB
inlawrev-3746	53	47	a	a	DET
inlawrev-3746	53	48	negative	negative	ADJ
inlawrev-3746	53	49	equity	equity	NOUN
inlawrev-3746	53	50	position	position	NOUN
inlawrev-3746	53	51	.	.	PUNCT
inlawrev-3746	54	1	16	16	NUM
inlawrev-3746	55	1	the	the	DET
inlawrev-3746	55	2	federal	federal	PROPN
inlawrev-3746	55	3	housing	housing	PROPN
inlawrev-3746	55	4	administration	administration	NOUN
inlawrev-3746	55	5	is	be	AUX
inlawrev-3746	55	6	a	a	DET
inlawrev-3746	55	7	government	government	NOUN
inlawrev-3746	55	8	agency	agency	NOUN
inlawrev-3746	55	9	that	that	SCONJ
inlawrev-3746	55	10	,	,	PUNCT
inlawrev-3746	55	11	along	along	ADP
inlawrev-3746	55	12	with	with	ADP
inlawrev-3746	55	13	other	other	ADJ
inlawrev-3746	55	14	functions	function	NOUN
inlawrev-3746	55	15	,	,	PUNCT
inlawrev-3746	55	16	insures	insure	VERB
inlawrev-3746	55	17	private	private	ADJ
inlawrev-3746	55	18	lenders	lender	NOUN
inlawrev-3746	55	19	against	against	ADP
inlawrev-3746	55	20	possible	possible	ADJ
inlawrev-3746	55	21	defaults	default	NOUN
inlawrev-3746	55	22	by	by	ADP
inlawrev-3746	55	23	mortgagors	mortgagor	NOUN
inlawrev-3746	55	24	.	.	PUNCT
inlawrev-3746	55	25	17	17	NUM
inlawrev-3746	55	26	because	because	SCONJ
inlawrev-3746	55	27	the	the	DET
inlawrev-3746	55	28	fha	fha	PROPN
inlawrev-3746	55	29	has	have	AUX
inlawrev-3746	55	30	allowed	allow	VERB
inlawrev-3746	55	31	lenders	lender	NOUN
inlawrev-3746	55	32	to	to	PART
inlawrev-3746	55	33	provide	provide	VERB
inlawrev-3746	55	34	mortgages	mortgage	NOUN
inlawrev-3746	55	35	with	with	ADP
inlawrev-3746	55	36	higher	high	ADJ
inlawrev-3746	55	37	risk	risk	NOUN
inlawrev-3746	55	38	without	without	ADP
inlawrev-3746	55	39	the	the	DET
inlawrev-3746	55	40	fear	fear	NOUN
inlawrev-3746	55	41	of	of	ADP
inlawrev-3746	55	42	losses	loss	NOUN
inlawrev-3746	55	43	from	from	ADP
inlawrev-3746	55	44	default	default	NOUN
inlawrev-3746	55	45	,	,	PUNCT
inlawrev-3746	55	46	more	more	ADJ
inlawrev-3746	55	47	people	people	NOUN
inlawrev-3746	55	48	are	be	AUX
inlawrev-3746	55	49	able	able	ADJ
inlawrev-3746	55	50	to	to	PART
inlawrev-3746	55	51	qualify	qualify	VERB
inlawrev-3746	55	52	for	for	ADP
inlawrev-3746	55	53	mortgages	mortgage	NOUN
inlawrev-3746	55	54	.	.	PUNCT
inlawrev-3746	56	1	however	however	ADV
inlawrev-3746	56	2	,	,	PUNCT
inlawrev-3746	56	3	because	because	SCONJ
inlawrev-3746	56	4	ofthis	ofthis	ADJ
inlawrev-3746	56	5	added	add	VERB
inlawrev-3746	56	6	risk	risk	NOUN
inlawrev-3746	56	7	,	,	PUNCT
inlawrev-3746	56	8	fha	fha	PROPN
inlawrev-3746	56	9	loans	loan	NOUN
inlawrev-3746	56	10	are	be	AUX
inlawrev-3746	56	11	nearly	nearly	ADV
inlawrev-3746	56	12	five	five	NUM
inlawrev-3746	56	13	times	time	NOUN
inlawrev-3746	56	14	more	more	ADV
inlawrev-3746	56	15	likely	likely	ADJ
inlawrev-3746	56	16	to	to	PART
inlawrev-3746	56	17	foreclose	foreclose	VERB
inlawrev-3746	56	18	than	than	ADP
inlawrev-3746	56	19	conventional	conventional	ADJ
inlawrev-3746	56	20	loans	loan	NOUN
inlawrev-3746	56	21	.	.	PUNCT
inlawrev-3746	57	1	18	18	NUM
inlawrev-3746	57	2	while	while	SCONJ
inlawrev-3746	57	3	the	the	DET
inlawrev-3746	57	4	fha	fha	PROPN
inlawrev-3746	57	5	program	program	NOUN
inlawrev-3746	57	6	is	be	AUX
inlawrev-3746	57	7	national	national	ADJ
inlawrev-3746	57	8	,	,	PUNCT
inlawrev-3746	57	9	indiana	indiana	PROPN
inlawrev-3746	57	10	has	have	VERB
inlawrev-3746	57	11	a	a	DET
inlawrev-3746	57	12	higher	high	ADJ
inlawrev-3746	57	13	share	share	NOUN
inlawrev-3746	57	14	of	of	ADP
inlawrev-3746	57	15	fha	fha	PROPN
inlawrev-3746	57	16	loans	loan	NOUN
inlawrev-3746	57	17	than	than	ADP
inlawrev-3746	57	18	most	most	ADJ
inlawrev-3746	57	19	other	other	ADJ
inlawrev-3746	57	20	states	state	NOUN
inlawrev-3746	57	21	.	.	PUNCT
inlawrev-3746	58	1	19	19	NUM
inlawrev-3746	59	1	because	because	SCONJ
inlawrev-3746	59	2	of	of	ADP
inlawrev-3746	59	3	this	this	DET
inlawrev-3746	59	4	heightened	heighten	VERB
inlawrev-3746	59	5	presence	presence	NOUN
inlawrev-3746	59	6	,	,	PUNCT
inlawrev-3746	59	7	the	the	DET
inlawrev-3746	59	8	fha	fha	PROPN
inlawrev-3746	59	9	's	's	PART
inlawrev-3746	59	10	negative	negative	ADJ
inlawrev-3746	59	11	impacts	impact	NOUN
inlawrev-3746	59	12	cause	cause	VERB
inlawrev-3746	59	13	1	1	NUM
inlawrev-3746	59	14	1	1	NUM
inlawrev-3746	59	15	.	.	PUNCT
inlawrev-3746	60	1	see	see	VERB
inlawrev-3746	60	2	anna	anna	PROPN
inlawrev-3746	60	3	beth	beth	PROPN
inlawrev-3746	60	4	ferguson	ferguson	PROPN
inlawrev-3746	60	5	,	,	PUNCT
inlawrev-3746	60	6	note	note	NOUN
inlawrev-3746	60	7	,	,	PUNCT
inlawrev-3746	60	8	predatory	predatory	ADJ
inlawrev-3746	60	9	lending	lending	NOUN
inlawrev-3746	60	10	:	:	PUNCT
inlawrev-3746	60	11	practices	practice	NOUN
inlawrev-3746	60	12	,	,	PUNCT
inlawrev-3746	60	13	remedies	remedy	NOUN
inlawrev-3746	60	14	and	and	CCONJ
inlawrev-3746	60	15	lack	lack	NOUN
inlawrev-3746	60	16	of	of	ADP
inlawrev-3746	60	17	adequate	adequate	ADJ
inlawrev-3746	60	18	protectionfor	protectionfor	PROPN
inlawrev-3746	60	19	ohio	ohio	PROPN
inlawrev-3746	60	20	consumers	consumer	NOUN
inlawrev-3746	60	21	,	,	PUNCT
inlawrev-3746	60	22	48	48	NUM
inlawrev-3746	60	23	clev	clev	NOUN
inlawrev-3746	60	24	.	.	PUNCT
inlawrev-3746	61	1	st	st	PROPN
inlawrev-3746	61	2	.	.	PROPN
inlawrev-3746	61	3	l.	l.	PROPN
inlawrev-3746	61	4	rev	rev	PROPN
inlawrev-3746	61	5	.	.	PROPN
inlawrev-3746	61	6	607	607	NUM
inlawrev-3746	61	7	,	,	PUNCT
inlawrev-3746	61	8	609	609	NUM
inlawrev-3746	61	9	-	-	SYM
inlawrev-3746	61	10	1	1	NUM
inlawrev-3746	61	11	1	1	NUM
inlawrev-3746	61	12	(	(	PUNCT
inlawrev-3746	61	13	2000	2000	NUM
inlawrev-3746	61	14	)	)	PUNCT
inlawrev-3746	61	15	.	.	PUNCT
inlawrev-3746	62	1	12	12	NUM
inlawrev-3746	62	2	.	.	X
inlawrev-3746	63	1	2004	2004	NUM
inlawrev-3746	63	2	ind	ind	PROPN
inlawrev-3746	63	3	.	.	PUNCT
inlawrev-3746	64	1	house	house	PROPN
inlawrev-3746	64	2	enrolled	enrol	VERB
inlawrev-3746	64	3	act	act	PROPN
inlawrev-3746	64	4	1229	1229	NUM
inlawrev-3746	64	5	,	,	PUNCT
inlawrev-3746	64	6	(	(	PUNCT
inlawrev-3746	64	7	effective	effective	ADJ
inlawrev-3746	64	8	jan	jan	PROPN
inlawrev-3746	64	9	.	.	PROPN
inlawrev-3746	64	10	1	1	NUM
inlawrev-3746	64	11	,	,	PUNCT
inlawrev-3746	64	12	2005	2005	NUM
inlawrev-3746	64	13	)	)	PUNCT
inlawrev-3746	64	14	,	,	PUNCT
inlawrev-3746	64	15	available	available	ADJ
inlawrev-3746	64	16	at	at	ADP
inlawrev-3746	64	17	http://www	http://www	PROPN
inlawrev-3746	64	18	.	.	PUNCT
inlawrev-3746	65	1	state.in.us/legislative/bills/2004/pdf/he/he	state.in.us/legislative/bills/2004/pdf/he/he	NOUN
inlawrev-3746	65	2	1	1	NUM
inlawrev-3746	65	3	229	229	NUM
inlawrev-3746	65	4	.	.	PUNCT
inlawrev-3746	65	5	1	1	NUM
inlawrev-3746	65	6	.pdf	.pdf	NOUN
inlawrev-3746	65	7	.	.	PUNCT
inlawrev-3746	66	1	1	1	NUM
inlawrev-3746	66	2	3	3	NUM
inlawrev-3746	66	3	.	.	PUNCT
inlawrev-3746	67	1	the	the	DET
inlawrev-3746	67	2	loan	loan	NOUN
inlawrev-3746	67	3	-	-	PUNCT
inlawrev-3746	67	4	to	to	ADP
inlawrev-3746	67	5	-	-	PUNCT
inlawrev-3746	67	6	value	value	NOUN
inlawrev-3746	67	7	ratio	ratio	NOUN
inlawrev-3746	67	8	measures	measure	VERB
inlawrev-3746	67	9	the	the	DET
inlawrev-3746	67	10	proportion	proportion	NOUN
inlawrev-3746	67	11	of	of	ADP
inlawrev-3746	67	12	debt	debt	NOUN
inlawrev-3746	67	13	to	to	ADP
inlawrev-3746	67	14	equity	equity	NOUN
inlawrev-3746	67	15	that	that	SCONJ
inlawrev-3746	67	16	a	a	DET
inlawrev-3746	67	17	borrower	borrower	NOUN
inlawrev-3746	67	18	incurs	incur	VERB
inlawrev-3746	67	19	in	in	ADP
inlawrev-3746	67	20	a	a	DET
inlawrev-3746	67	21	loan	loan	NOUN
inlawrev-3746	67	22	.	.	PUNCT
inlawrev-3746	68	1	according	accord	VERB
inlawrev-3746	68	2	to	to	ADP
inlawrev-3746	68	3	the	the	DET
inlawrev-3746	68	4	federal	federal	ADJ
inlawrev-3746	68	5	housing	housing	PROPN
inlawrev-3746	68	6	finance	finance	PROPN
inlawrev-3746	68	7	board	board	NOUN
inlawrev-3746	68	8	,	,	PUNCT
inlawrev-3746	68	9	in	in	ADP
inlawrev-3746	68	10	2002	2002	NUM
inlawrev-3746	68	11	indiana	indiana	PROPN
inlawrev-3746	68	12	mortgagors	mortgagor	NOUN
inlawrev-3746	68	13	had	have	VERB
inlawrev-3746	68	14	five	five	NUM
inlawrev-3746	68	15	percent	percent	NOUN
inlawrev-3746	68	16	less	less	ADJ
inlawrev-3746	68	17	equity	equity	NOUN
inlawrev-3746	68	18	in	in	ADP
inlawrev-3746	68	19	their	their	PRON
inlawrev-3746	68	20	homes	home	NOUN
inlawrev-3746	68	21	than	than	ADP
inlawrev-3746	68	22	the	the	DET
inlawrev-3746	68	23	national	national	ADJ
inlawrev-3746	68	24	average	average	NOUN
inlawrev-3746	68	25	.	.	PUNCT
inlawrev-3746	69	1	only	only	ADV
inlawrev-3746	69	2	thirteen	thirteen	NUM
inlawrev-3746	69	3	states	state	NOUN
inlawrev-3746	69	4	had	have	VERB
inlawrev-3746	69	5	a	a	DET
inlawrev-3746	69	6	higher	high	ADJ
inlawrev-3746	69	7	ratio	ratio	NOUN
inlawrev-3746	69	8	during	during	ADP
inlawrev-3746	69	9	that	that	DET
inlawrev-3746	69	10	time	time	NOUN
inlawrev-3746	69	11	.	.	PUNCT
inlawrev-3746	70	1	rising	rise	VERB
inlawrev-3746	70	2	foreclosure	foreclosure	NOUN
inlawrev-3746	70	3	rates	rate	NOUN
inlawrev-3746	70	4	in	in	ADP
inlawrev-3746	70	5	indiana	indiana	PROPN
inlawrev-3746	70	6	,	,	PUNCT
inlawrev-3746	70	7	supra	supra	PROPN
inlawrev-3746	70	8	note	note	PROPN
inlawrev-3746	70	9	6	6	NUM
inlawrev-3746	70	10	,	,	PUNCT
inlawrev-3746	70	11	at	at	ADP
inlawrev-3746	70	12	8	8	NUM
inlawrev-3746	70	13	.	.	PUNCT
inlawrev-3746	70	14	14	14	NUM
inlawrev-3746	70	15	.	.	PUNCT
inlawrev-3746	71	1	according	accord	VERB
inlawrev-3746	71	2	to	to	ADP
inlawrev-3746	71	3	the	the	DET
inlawrev-3746	71	4	office	office	NOUN
inlawrev-3746	71	5	offederal	offederal	ADJ
inlawrev-3746	71	6	housing	housing	NOUN
inlawrev-3746	71	7	enterprise	enterprise	NOUN
inlawrev-3746	71	8	oversight	oversight	NOUN
inlawrev-3746	71	9	,	,	PUNCT
inlawrev-3746	71	10	indiana	indiana	PROPN
inlawrev-3746	71	11	recently	recently	ADV
inlawrev-3746	71	12	ranked	rank	VERB
inlawrev-3746	71	13	forty	forty	NUM
inlawrev-3746	71	14	-	-	PUNCT
inlawrev-3746	71	15	ninth	ninth	ADJ
inlawrev-3746	71	16	among	among	ADP
inlawrev-3746	71	17	states	state	NOUN
inlawrev-3746	71	18	in	in	ADP
inlawrev-3746	71	19	one	one	NUM
inlawrev-3746	71	20	-	-	PUNCT
inlawrev-3746	71	21	year	year	NOUN
inlawrev-3746	71	22	price	price	NOUN
inlawrev-3746	71	23	growth	growth	NOUN
inlawrev-3746	71	24	and	and	CCONJ
inlawrev-3746	71	25	forty	forty	NUM
inlawrev-3746	71	26	-	-	PUNCT
inlawrev-3746	71	27	fifth	fifth	NOUN
inlawrev-3746	71	28	over	over	ADP
inlawrev-3746	71	29	a	a	DET
inlawrev-3746	71	30	five	five	NUM
inlawrev-3746	71	31	-	-	PUNCT
inlawrev-3746	71	32	year	year	NOUN
inlawrev-3746	71	33	span	span	NOUN
inlawrev-3746	71	34	.	.	PUNCT
inlawrev-3746	72	1	i	i	PRON
inlawrev-3746	72	2	d.	d.	PROPN
inlawrev-3746	72	3	at	at	ADP
inlawrev-3746	72	4	9	9	NUM
inlawrev-3746	72	5	.	.	NOUN
inlawrev-3746	72	6	15	15	NUM
inlawrev-3746	72	7	.	.	PUNCT
inlawrev-3746	73	1	i	i	PRON
inlawrev-3746	73	2	d.	d.	PROPN
inlawrev-3746	73	3	16	16	NUM
inlawrev-3746	73	4	.	.	PUNCT
inlawrev-3746	74	1	negative	negative	ADJ
inlawrev-3746	74	2	equity	equity	NOUN
inlawrev-3746	74	3	positions	position	NOUN
inlawrev-3746	74	4	can	can	AUX
inlawrev-3746	74	5	occur	occur	VERB
inlawrev-3746	74	6	when	when	SCONJ
inlawrev-3746	74	7	a	a	DET
inlawrev-3746	74	8	buyer	buyer	NOUN
inlawrev-3746	74	9	owes	owe	VERB
inlawrev-3746	74	10	larger	large	ADJ
inlawrev-3746	74	11	transaction	transaction	NOUN
inlawrev-3746	74	12	fees	fee	NOUN
inlawrev-3746	74	13	,	,	PUNCT
inlawrev-3746	74	14	such	such	ADJ
inlawrev-3746	74	15	as	as	ADP
inlawrev-3746	74	16	real	real	ADJ
inlawrev-3746	74	17	estate	estate	NOUN
inlawrev-3746	74	18	agent	agent	NOUN
inlawrev-3746	74	19	fees	fee	NOUN
inlawrev-3746	74	20	,	,	PUNCT
inlawrev-3746	74	21	than	than	ADP
inlawrev-3746	74	22	the	the	DET
inlawrev-3746	74	23	low	low	ADJ
inlawrev-3746	74	24	amount	amount	NOUN
inlawrev-3746	74	25	of	of	ADP
inlawrev-3746	74	26	equity	equity	NOUN
inlawrev-3746	74	27	they	they	PRON
inlawrev-3746	74	28	have	have	VERB
inlawrev-3746	74	29	in	in	ADP
inlawrev-3746	74	30	the	the	DET
inlawrev-3746	74	31	home	home	NOUN
inlawrev-3746	74	32	.	.	PUNCT
inlawrev-3746	75	1	i	i	PRON
inlawrev-3746	75	2	d.	d.	PROPN
inlawrev-3746	75	3	at	at	ADP
inlawrev-3746	75	4	8	8	NUM
inlawrev-3746	75	5	.	.	PUNCT
inlawrev-3746	75	6	17	17	NUM
inlawrev-3746	75	7	.	.	PUNCT
inlawrev-3746	76	1	u.s	u.s	PROPN
inlawrev-3746	76	2	.	.	PROPN
inlawrev-3746	76	3	gen	gen	PROPN
inlawrev-3746	76	4	.	.	PROPN
inlawrev-3746	76	5	accounting	accounting	PROPN
inlawrev-3746	76	6	office	office	PROPN
inlawrev-3746	76	7	,	,	PUNCT
inlawrev-3746	76	8	gao	gao	PROPN
inlawrev-3746	76	9	no	no	INTJ
inlawrev-3746	76	10	.	.	PROPN
inlawrev-3746	76	11	02	02	NUM
inlawrev-3746	76	12	-	-	SYM
inlawrev-3746	76	13	7773	7773	NUM
inlawrev-3746	76	14	,	,	PUNCT
inlawrev-3746	76	15	mortgage	mortgage	NOUN
inlawrev-3746	76	16	financing	financing	NOUN
inlawrev-3746	76	17	:	:	PUNCT
inlawrev-3746	76	18	changes	change	NOUN
inlawrev-3746	76	19	in	in	ADP
inlawrev-3746	76	20	the	the	DET
inlawrev-3746	76	21	performance	performance	NOUN
inlawrev-3746	76	22	of	of	ADP
inlawrev-3746	76	23	fha	fha	NOUN
inlawrev-3746	76	24	-	-	PUNCT
inlawrev-3746	76	25	insured	insure	VERB
inlawrev-3746	76	26	loans	loan	NOUN
inlawrev-3746	76	27	4	4	NUM
inlawrev-3746	76	28	(	(	PUNCT
inlawrev-3746	76	29	2002	2002	NUM
inlawrev-3746	76	30	)	)	PUNCT
inlawrev-3746	76	31	,	,	PUNCT
inlawrev-3746	76	32	available	available	ADJ
inlawrev-3746	76	33	at	at	ADP
inlawrev-3746	76	34	http://www.gao.gov/	http://www.gao.gov/	PROPN
inlawrev-3746	76	35	new.items/d02773.pdf	new.items/d02773.pdf	PROPN
inlawrev-3746	76	36	.	.	PUNCT
inlawrev-3746	77	1	[	[	X
inlawrev-3746	77	2	hereinafter	hereinafter	NOUN
inlawrev-3746	77	3	changes	change	NOUN
inlawrev-3746	77	4	in	in	ADP
inlawrev-3746	77	5	the	the	DET
inlawrev-3746	77	6	performance	performance	NOUN
inlawrev-3746	77	7	of	of	ADP
inlawrev-3746	77	8	fha	fha	NOUN
inlawrev-3746	77	9	-	-	PUNCT
inlawrev-3746	77	10	insured	insure	VERB
inlawrev-3746	77	11	loans	loan	NOUN
inlawrev-3746	77	12	]	]	PUNCT
inlawrev-3746	77	13	.	.	PUNCT
inlawrev-3746	78	1	18	18	NUM
inlawrev-3746	78	2	.	.	X
inlawrev-3746	78	3	rising	rise	VERB
inlawrev-3746	78	4	foreclosure	foreclosure	NOUN
inlawrev-3746	78	5	rates	rate	NOUN
inlawrev-3746	78	6	in	in	ADP
inlawrev-3746	78	7	indiana	indiana	PROPN
inlawrev-3746	78	8	,	,	PUNCT
inlawrev-3746	78	9	supra	supra	PROPN
inlawrev-3746	78	10	note	note	PROPN
inlawrev-3746	78	11	6	6	NUM
inlawrev-3746	78	12	,	,	PUNCT
inlawrev-3746	78	13	at	at	ADP
inlawrev-3746	78	14	7	7	NUM
inlawrev-3746	78	15	.	.	NOUN
inlawrev-3746	78	16	19	19	NUM
inlawrev-3746	78	17	.	.	PUNCT
inlawrev-3746	79	1	in	in	ADP
inlawrev-3746	79	2	2001	2001	NUM
inlawrev-3746	79	3	,	,	PUNCT
inlawrev-3746	79	4	fha	fha	PROPN
inlawrev-3746	79	5	loans	loan	NOUN
inlawrev-3746	79	6	comprised	comprise	VERB
inlawrev-3746	79	7	twenty	twenty	NUM
inlawrev-3746	79	8	-	-	PUNCT
inlawrev-3746	79	9	five	five	NUM
inlawrev-3746	79	10	percent	percent	NOUN
inlawrev-3746	79	11	of	of	ADP
inlawrev-3746	79	12	loans	loan	NOUN
inlawrev-3746	79	13	in	in	ADP
inlawrev-3746	79	14	indiana	indiana	PROPN
inlawrev-3746	79	15	,	,	PUNCT
inlawrev-3746	79	16	compared	compare	VERB
inlawrev-3746	79	17	to	to	ADP
inlawrev-3746	79	18	seventeen	seventeen	NUM
inlawrev-3746	79	19	percent	percent	NOUN
inlawrev-3746	79	20	nationally	nationally	ADV
inlawrev-3746	79	21	.	.	PUNCT
inlawrev-3746	80	1	i	i	PRON
inlawrev-3746	80	2	d.	d.	PROPN
inlawrev-3746	80	3	90	90	NUM
inlawrev-3746	80	4	indiana	indiana	PROPN
inlawrev-3746	80	5	law	law	PROPN
inlawrev-3746	80	6	review	review	NOUN
inlawrev-3746	80	7	[	[	X
inlawrev-3746	80	8	vol	vol	NOUN
inlawrev-3746	80	9	.	.	PUNCT
inlawrev-3746	80	10	39:87	39:87	NUM
inlawrev-3746	80	11	disproportionate	disproportionate	ADJ
inlawrev-3746	80	12	increases	increase	NOUN
inlawrev-3746	80	13	in	in	ADP
inlawrev-3746	80	14	indiana	indiana	PROPN
inlawrev-3746	80	15	's	's	PART
inlawrev-3746	80	16	foreclosure	foreclosure	NOUN
inlawrev-3746	80	17	rate	rate	NOUN
inlawrev-3746	80	18	.	.	PUNCT
inlawrev-3746	81	1	although	although	SCONJ
inlawrev-3746	81	2	all	all	PRON
inlawrev-3746	81	3	of	of	ADP
inlawrev-3746	81	4	these	these	DET
inlawrev-3746	81	5	factors	factor	NOUN
inlawrev-3746	81	6	have	have	VERB
inlawrev-3746	81	7	some	some	DET
inlawrev-3746	81	8	influence	influence	NOUN
inlawrev-3746	81	9	on	on	ADP
inlawrev-3746	81	10	the	the	DET
inlawrev-3746	81	11	exorbitant	exorbitant	ADJ
inlawrev-3746	81	12	foreclosure	foreclosure	NOUN
inlawrev-3746	81	13	rates	rate	NOUN
inlawrev-3746	81	14	in	in	ADP
inlawrev-3746	81	15	indiana	indiana	PROPN
inlawrev-3746	81	16	,	,	PUNCT
inlawrev-3746	81	17	they	they	PRON
inlawrev-3746	81	18	affect	affect	VERB
inlawrev-3746	81	19	the	the	DET
inlawrev-3746	81	20	rate	rate	NOUN
inlawrev-3746	81	21	to	to	ADP
inlawrev-3746	81	22	varying	vary	VERB
inlawrev-3746	81	23	degrees	degree	NOUN
inlawrev-3746	81	24	.	.	PUNCT
inlawrev-3746	82	1	some	some	DET
inlawrev-3746	82	2	experts	expert	NOUN
inlawrev-3746	82	3	consider	consider	VERB
inlawrev-3746	82	4	unemployment	unemployment	NOUN
inlawrev-3746	82	5	to	to	PART
inlawrev-3746	82	6	be	be	AUX
inlawrev-3746	82	7	the	the	DET
inlawrev-3746	82	8	largest	large	ADJ
inlawrev-3746	82	9	influence	influence	NOUN
inlawrev-3746	82	10	on	on	ADP
inlawrev-3746	82	11	foreclosures,20	foreclosures,20	NOUN
inlawrev-3746	82	12	but	but	CCONJ
inlawrev-3746	82	13	policymakers	policymaker	NOUN
inlawrev-3746	82	14	can	can	AUX
inlawrev-3746	82	15	not	not	PART
inlawrev-3746	82	16	control	control	VERB
inlawrev-3746	82	17	unexpected	unexpected	ADJ
inlawrev-3746	82	18	changes	change	NOUN
inlawrev-3746	82	19	in	in	ADP
inlawrev-3746	82	20	the	the	DET
inlawrev-3746	82	21	economy	economy	NOUN
inlawrev-3746	82	22	.	.	PUNCT
inlawrev-3746	83	1	therefore	therefore	ADV
inlawrev-3746	83	2	,	,	PUNCT
inlawrev-3746	83	3	analyzing	analyze	VERB
inlawrev-3746	83	4	the	the	DET
inlawrev-3746	83	5	effect	effect	NOUN
inlawrev-3746	83	6	ofthe	ofthe	NOUN
inlawrev-3746	83	7	economy	economy	NOUN
inlawrev-3746	83	8	on	on	ADP
inlawrev-3746	83	9	foreclosures	foreclosure	NOUN
inlawrev-3746	83	10	is	be	AUX
inlawrev-3746	83	11	futile	futile	ADJ
inlawrev-3746	83	12	.	.	PUNCT
inlawrev-3746	84	1	in	in	ADP
inlawrev-3746	84	2	addition	addition	NOUN
inlawrev-3746	84	3	,	,	PUNCT
inlawrev-3746	84	4	despite	despite	SCONJ
inlawrev-3746	84	5	the	the	DET
inlawrev-3746	84	6	recent	recent	ADJ
inlawrev-3746	84	7	actions	action	NOUN
inlawrev-3746	84	8	by	by	ADP
inlawrev-3746	84	9	the	the	DET
inlawrev-3746	84	10	indiana	indiana	PROPN
inlawrev-3746	84	11	general	general	PROPN
inlawrev-3746	84	12	assembly	assembly	NOUN
inlawrev-3746	84	13	,	,	PUNCT
inlawrev-3746	84	14	there	there	PRON
inlawrev-3746	84	15	is	be	VERB
inlawrev-3746	84	16	no	no	DET
inlawrev-3746	84	17	evidence	evidence	NOUN
inlawrev-3746	84	18	of	of	ADP
inlawrev-3746	84	19	higher	high	ADJ
inlawrev-3746	84	20	predatory	predatory	ADJ
inlawrev-3746	84	21	lending	lending	NOUN
inlawrev-3746	84	22	practices	practice	NOUN
inlawrev-3746	84	23	in	in	ADP
inlawrev-3746	84	24	indiana	indiana	PROPN
inlawrev-3746	84	25	than	than	ADP
inlawrev-3746	84	26	in	in	ADP
inlawrev-3746	84	27	any	any	DET
inlawrev-3746	84	28	other	other	ADJ
inlawrev-3746	84	29	state	state	NOUN
inlawrev-3746	84	30	that	that	PRON
inlawrev-3746	84	31	would	would	AUX
inlawrev-3746	84	32	cause	cause	VERB
inlawrev-3746	84	33	indiana	indiana	PROPN
inlawrev-3746	84	34	's	's	PART
inlawrev-3746	84	35	foreclosure	foreclosure	NOUN
inlawrev-3746	84	36	rate	rate	NOUN
inlawrev-3746	84	37	to	to	PART
inlawrev-3746	84	38	be	be	AUX
inlawrev-3746	84	39	excessively	excessively	ADV
inlawrev-3746	84	40	high	high	ADJ
inlawrev-3746	84	41	.	.	PUNCT
inlawrev-3746	85	1	21	21	NUM
inlawrev-3746	85	2	on	on	ADP
inlawrev-3746	85	3	the	the	DET
inlawrev-3746	85	4	contrary	contrary	NOUN
inlawrev-3746	85	5	,	,	PUNCT
inlawrev-3746	85	6	according	accord	VERB
inlawrev-3746	85	7	to	to	ADP
inlawrev-3746	85	8	a	a	DET
inlawrev-3746	85	9	2003	2003	NUM
inlawrev-3746	85	10	study	study	NOUN
inlawrev-3746	85	11	,	,	PUNCT
inlawrev-3746	85	12	the	the	DET
inlawrev-3746	85	13	share	share	NOUN
inlawrev-3746	85	14	of	of	ADP
inlawrev-3746	85	15	fha	fha	PROPN
inlawrev-3746	85	16	loans	loan	NOUN
inlawrev-3746	85	17	in	in	ADP
inlawrev-3746	85	18	a	a	DET
inlawrev-3746	85	19	state	state	NOUN
inlawrev-3746	85	20	had	have	VERB
inlawrev-3746	85	21	the	the	DET
inlawrev-3746	85	22	greatest	great	ADJ
inlawrev-3746	85	23	influence	influence	NOUN
inlawrev-3746	85	24	on	on	ADP
inlawrev-3746	85	25	the	the	DET
inlawrev-3746	85	26	foreclosure	foreclosure	NOUN
inlawrev-3746	85	27	rate	rate	NOUN
inlawrev-3746	85	28	and	and	CCONJ
inlawrev-3746	85	29	accounted	account	VERB
inlawrev-3746	85	30	for	for	ADP
inlawrev-3746	85	31	more	more	ADJ
inlawrev-3746	85	32	than	than	ADP
inlawrev-3746	85	33	half	half	NOUN
inlawrev-3746	85	34	of	of	ADP
inlawrev-3746	85	35	the	the	DET
inlawrev-3746	85	36	difference	difference	NOUN
inlawrev-3746	85	37	between	between	ADP
inlawrev-3746	85	38	the	the	DET
inlawrev-3746	85	39	indiana	indiana	PROPN
inlawrev-3746	85	40	rate	rate	NOUN
inlawrev-3746	85	41	and	and	CCONJ
inlawrev-3746	85	42	the	the	DET
inlawrev-3746	85	43	national	national	ADJ
inlawrev-3746	85	44	rate	rate	NOUN
inlawrev-3746	85	45	.	.	PUNCT
inlawrev-3746	86	1	22	22	NUM
inlawrev-3746	86	2	the	the	DET
inlawrev-3746	86	3	way	way	NOUN
inlawrev-3746	86	4	a	a	DET
inlawrev-3746	86	5	state	state	NOUN
inlawrev-3746	86	6	structures	structure	VERB
inlawrev-3746	86	7	its	its	PRON
inlawrev-3746	86	8	foreclosure	foreclosure	NOUN
inlawrev-3746	86	9	laws	law	NOUN
inlawrev-3746	86	10	also	also	ADV
inlawrev-3746	86	11	has	have	VERB
inlawrev-3746	86	12	a	a	DET
inlawrev-3746	86	13	direct	direct	ADJ
inlawrev-3746	86	14	correlation	correlation	NOUN
inlawrev-3746	86	15	on	on	ADP
inlawrev-3746	86	16	whether	whether	SCONJ
inlawrev-3746	86	17	it	it	PRON
inlawrev-3746	86	18	has	have	AUX
inlawrev-3746	86	19	high	high	ADJ
inlawrev-3746	86	20	or	or	CCONJ
inlawrev-3746	86	21	low	low	ADJ
inlawrev-3746	86	22	foreclosure	foreclosure	NOUN
inlawrev-3746	86	23	rates	rate	NOUN
inlawrev-3746	86	24	.	.	PUNCT
inlawrev-3746	87	1	23	23	NUM
inlawrev-3746	88	1	thus	thus	ADV
inlawrev-3746	88	2	,	,	PUNCT
inlawrev-3746	88	3	the	the	DET
inlawrev-3746	88	4	two	two	NUM
inlawrev-3746	88	5	most	most	ADV
inlawrev-3746	88	6	important	important	ADJ
inlawrev-3746	88	7	,	,	PUNCT
inlawrev-3746	88	8	controllable	controllable	ADJ
inlawrev-3746	88	9	factors	factor	NOUN
inlawrev-3746	88	10	that	that	PRON
inlawrev-3746	88	11	cause	cause	VERB
inlawrev-3746	88	12	indiana	indiana	PROPN
inlawrev-3746	88	13	's	's	PART
inlawrev-3746	88	14	high	high	ADJ
inlawrev-3746	88	15	foreclosure	foreclosure	NOUN
inlawrev-3746	88	16	rate	rate	NOUN
inlawrev-3746	88	17	are	be	AUX
inlawrev-3746	88	18	the	the	DET
inlawrev-3746	88	19	state	state	NOUN
inlawrev-3746	88	20	's	's	PART
inlawrev-3746	88	21	interaction	interaction	NOUN
inlawrev-3746	88	22	with	with	ADP
inlawrev-3746	88	23	the	the	DET
inlawrev-3746	88	24	fha	fha	PROPN
inlawrev-3746	88	25	and	and	CCONJ
inlawrev-3746	88	26	its	its	PRON
inlawrev-3746	88	27	statutory	statutory	ADJ
inlawrev-3746	88	28	procedures	procedure	NOUN
inlawrev-3746	88	29	for	for	ADP
inlawrev-3746	88	30	foreclosures	foreclosure	NOUN
inlawrev-3746	88	31	.	.	PUNCT
inlawrev-3746	89	1	part	part	NOUN
inlawrev-3746	89	2	i	i	PRON
inlawrev-3746	89	3	of	of	ADP
inlawrev-3746	89	4	this	this	DET
inlawrev-3746	89	5	note	note	NOUN
inlawrev-3746	89	6	examines	examine	VERB
inlawrev-3746	89	7	the	the	DET
inlawrev-3746	89	8	varying	vary	VERB
inlawrev-3746	89	9	landscape	landscape	NOUN
inlawrev-3746	89	10	of	of	ADP
inlawrev-3746	89	11	state	state	NOUN
inlawrev-3746	89	12	foreclosure	foreclosure	NOUN
inlawrev-3746	89	13	laws	law	NOUN
inlawrev-3746	89	14	in	in	ADP
inlawrev-3746	89	15	the	the	DET
inlawrev-3746	89	16	united	united	PROPN
inlawrev-3746	89	17	states	states	PROPN
inlawrev-3746	89	18	.	.	PUNCT
inlawrev-3746	90	1	part	part	PROPN
inlawrev-3746	90	2	ii	ii	PROPN
inlawrev-3746	90	3	provides	provide	VERB
inlawrev-3746	90	4	background	background	NOUN
inlawrev-3746	90	5	on	on	ADP
inlawrev-3746	90	6	the	the	DET
inlawrev-3746	90	7	fha	fha	PROPN
inlawrev-3746	90	8	,	,	PUNCT
inlawrev-3746	90	9	recent	recent	ADJ
inlawrev-3746	90	10	problems	problem	NOUN
inlawrev-3746	90	11	with	with	ADP
inlawrev-3746	90	12	high	high	ADJ
inlawrev-3746	90	13	foreclosure	foreclosure	NOUN
inlawrev-3746	90	14	rates	rate	NOUN
inlawrev-3746	90	15	,	,	PUNCT
inlawrev-3746	90	16	and	and	CCONJ
inlawrev-3746	90	17	steps	step	NOUN
inlawrev-3746	90	18	that	that	PRON
inlawrev-3746	90	19	the	the	DET
inlawrev-3746	90	20	agency	agency	NOUN
inlawrev-3746	90	21	is	be	AUX
inlawrev-3746	90	22	taking	take	VERB
inlawrev-3746	90	23	to	to	PART
inlawrev-3746	90	24	remedy	remedy	VERB
inlawrev-3746	90	25	these	these	DET
inlawrev-3746	90	26	problems	problem	NOUN
inlawrev-3746	90	27	.	.	PUNCT
inlawrev-3746	91	1	finally	finally	ADV
inlawrev-3746	91	2	,	,	PUNCT
inlawrev-3746	91	3	part	part	NOUN
inlawrev-3746	91	4	iii	iii	NOUN
inlawrev-3746	91	5	will	will	AUX
inlawrev-3746	91	6	examine	examine	VERB
inlawrev-3746	91	7	the	the	DET
inlawrev-3746	91	8	competing	compete	VERB
inlawrev-3746	91	9	policy	policy	NOUN
inlawrev-3746	91	10	concerns	concern	NOUN
inlawrev-3746	91	11	surrounding	surround	VERB
inlawrev-3746	91	12	increased	increased	ADJ
inlawrev-3746	91	13	homeownership	homeownership	NOUN
inlawrev-3746	91	14	and	and	CCONJ
inlawrev-3746	91	15	make	make	VERB
inlawrev-3746	91	16	suggestions	suggestion	NOUN
inlawrev-3746	91	17	for	for	ADP
inlawrev-3746	91	18	changes	change	NOUN
inlawrev-3746	91	19	in	in	ADP
inlawrev-3746	91	20	indiana	indiana	PROPN
inlawrev-3746	91	21	statutory	statutory	PROPN
inlawrev-3746	91	22	foreclosure	foreclosure	NOUN
inlawrev-3746	91	23	laws	law	NOUN
inlawrev-3746	91	24	and	and	CCONJ
inlawrev-3746	91	25	fha	fha	PROPN
inlawrev-3746	91	26	policies	policy	NOUN
inlawrev-3746	91	27	to	to	PART
inlawrev-3746	91	28	reduce	reduce	VERB
inlawrev-3746	91	29	the	the	DET
inlawrev-3746	91	30	number	number	NOUN
inlawrev-3746	91	31	of	of	ADP
inlawrev-3746	91	32	foreclosures	foreclosure	NOUN
inlawrev-3746	91	33	in	in	ADP
inlawrev-3746	91	34	the	the	DET
inlawrev-3746	91	35	state	state	NOUN
inlawrev-3746	91	36	.	.	PUNCT
inlawrev-3746	92	1	i.	i.	PROPN
inlawrev-3746	92	2	state	state	PROPN
inlawrev-3746	92	3	foreclosure	foreclosure	NOUN
inlawrev-3746	92	4	laws	law	NOUN
inlawrev-3746	92	5	although	although	SCONJ
inlawrev-3746	92	6	foreclosure	foreclosure	NOUN
inlawrev-3746	92	7	laws	law	NOUN
inlawrev-3746	92	8	vary	vary	VERB
inlawrev-3746	92	9	by	by	ADP
inlawrev-3746	92	10	state	state	NOUN
inlawrev-3746	92	11	,	,	PUNCT
inlawrev-3746	92	12	there	there	PRON
inlawrev-3746	92	13	are	be	VERB
inlawrev-3746	92	14	certain	certain	ADJ
inlawrev-3746	92	15	basic	basic	ADJ
inlawrev-3746	92	16	elements	element	NOUN
inlawrev-3746	92	17	included	include	VERB
inlawrev-3746	92	18	in	in	ADP
inlawrev-3746	92	19	every	every	DET
inlawrev-3746	92	20	set	set	NOUN
inlawrev-3746	92	21	of	of	ADP
inlawrev-3746	92	22	statutes	statute	NOUN
inlawrev-3746	92	23	.	.	PUNCT
inlawrev-3746	93	1	24	24	NUM
inlawrev-3746	93	2	there	there	PRON
inlawrev-3746	93	3	are	be	VERB
inlawrev-3746	93	4	two	two	NUM
inlawrev-3746	93	5	predominant	predominant	ADJ
inlawrev-3746	93	6	foreclosure	foreclosure	NOUN
inlawrev-3746	93	7	20	20	NUM
inlawrev-3746	93	8	.	.	PUNCT
inlawrev-3746	94	1	"	"	PUNCT
inlawrev-3746	94	2	the	the	DET
inlawrev-3746	94	3	most	most	ADV
inlawrev-3746	94	4	important	important	ADJ
inlawrev-3746	94	5	factor	factor	NOUN
inlawrev-3746	94	6	in	in	ADP
inlawrev-3746	94	7	foreclosures	foreclosure	NOUN
inlawrev-3746	94	8	is	be	AUX
inlawrev-3746	94	9	always	always	ADV
inlawrev-3746	94	10	employment	employment	NOUN
inlawrev-3746	94	11	.	.	PUNCT
inlawrev-3746	95	1	and	and	CCONJ
inlawrev-3746	95	2	the	the	DET
inlawrev-3746	95	3	structural	structural	ADJ
inlawrev-3746	95	4	change	change	NOUN
inlawrev-3746	95	5	that	that	PRON
inlawrev-3746	95	6	we	we	PRON
inlawrev-3746	95	7	've	have	AUX
inlawrev-3746	95	8	seen	see	VERB
inlawrev-3746	95	9	affecting	affect	VERB
inlawrev-3746	95	10	states	state	NOUN
inlawrev-3746	95	11	with	with	ADP
inlawrev-3746	95	12	a	a	DET
inlawrev-3746	95	13	high	high	ADJ
inlawrev-3746	95	14	manufacturing	manufacturing	NOUN
inlawrev-3746	95	15	component	component	NOUN
inlawrev-3746	95	16	has	have	AUX
inlawrev-3746	95	17	been	be	AUX
inlawrev-3746	95	18	the	the	DET
inlawrev-3746	95	19	biggest	big	ADJ
inlawrev-3746	95	20	factor	factor	NOUN
inlawrev-3746	95	21	in	in	ADP
inlawrev-3746	95	22	their	their	PRON
inlawrev-3746	95	23	unemployment	unemployment	NOUN
inlawrev-3746	95	24	.	.	PUNCT
inlawrev-3746	95	25	"	"	PUNCT
inlawrev-3746	96	1	interview	interview	NOUN
inlawrev-3746	96	2	by	by	ADP
inlawrev-3746	96	3	ceci	ceci	PROPN
inlawrev-3746	96	4	rodgers	rodgers	PROPN
inlawrev-3746	96	5	with	with	ADP
inlawrev-3746	96	6	douglas	douglas	PROPN
inlawrev-3746	96	7	duncan	duncan	PROPN
inlawrev-3746	96	8	,	,	PUNCT
inlawrev-3746	96	9	mortgage	mortgage	NOUN
inlawrev-3746	96	10	bankers	bankers	PROPN
inlawrev-3746	96	11	association	association	PROPN
inlawrev-3746	96	12	ofamerica	ofamerica	PROPN
inlawrev-3746	96	13	,	,	PUNCT
inlawrev-3746	96	14	market	market	NOUN
inlawrev-3746	96	15	call	call	NOUN
inlawrev-3746	96	16	(	(	PUNCT
inlawrev-3746	96	17	cnn	cnn	PROPN
inlawrev-3746	96	18	television	television	PROPN
inlawrev-3746	96	19	broadcast	broadcast	PROPN
inlawrev-3746	96	20	aug	aug	PROPN
inlawrev-3746	96	21	.	.	PROPN
inlawrev-3746	96	22	25	25	NUM
inlawrev-3746	96	23	,	,	PUNCT
inlawrev-3746	96	24	2004	2004	NUM
inlawrev-3746	96	25	)	)	PUNCT
inlawrev-3746	96	26	,	,	PUNCT
inlawrev-3746	96	27	available	available	ADJ
inlawrev-3746	96	28	at	at	ADP
inlawrev-3746	96	29	http://www-cgi.cnn.com/transcripts/0408/25/lad.03	http://www-cgi.cnn.com/transcripts/0408/25/lad.03	PROPN
inlawrev-3746	96	30	.html	.html	PUNCT
inlawrev-3746	96	31	.	.	PUNCT
inlawrev-3746	97	1	2	2	NUM
inlawrev-3746	97	2	1	1	NUM
inlawrev-3746	97	3	.	.	PUNCT
inlawrev-3746	98	1	rising	rise	VERB
inlawrev-3746	98	2	foreclosure	foreclosure	NOUN
inlawrev-3746	98	3	rates	rate	NOUN
inlawrev-3746	98	4	in	in	ADP
inlawrev-3746	98	5	indiana	indiana	PROPN
inlawrev-3746	98	6	,	,	PUNCT
inlawrev-3746	98	7	supra	supra	PROPN
inlawrev-3746	98	8	note	note	PROPN
inlawrev-3746	98	9	6	6	NUM
inlawrev-3746	98	10	,	,	PUNCT
inlawrev-3746	98	11	at	at	ADP
inlawrev-3746	98	12	6	6	NUM
inlawrev-3746	98	13	.	.	PUNCT
inlawrev-3746	99	1	furthermore	furthermore	ADV
inlawrev-3746	99	2	,	,	PUNCT
inlawrev-3746	99	3	because	because	SCONJ
inlawrev-3746	99	4	hea	hea	PROPN
inlawrev-3746	99	5	1	1	NUM
inlawrev-3746	99	6	229	229	NUM
inlawrev-3746	99	7	did	do	AUX
inlawrev-3746	99	8	not	not	PART
inlawrev-3746	99	9	become	become	VERB
inlawrev-3746	99	10	effective	effective	ADJ
inlawrev-3746	99	11	until	until	ADP
inlawrev-3746	99	12	2005	2005	NUM
inlawrev-3746	99	13	,	,	PUNCT
inlawrev-3746	99	14	the	the	DET
inlawrev-3746	99	15	true	true	ADJ
inlawrev-3746	99	16	impact	impact	NOUN
inlawrev-3746	99	17	of	of	ADP
inlawrev-3746	99	18	predatory	predatory	ADJ
inlawrev-3746	99	19	lending	lending	NOUN
inlawrev-3746	99	20	on	on	ADP
inlawrev-3746	99	21	indiana	indiana	PROPN
inlawrev-3746	99	22	can	can	AUX
inlawrev-3746	99	23	not	not	PART
inlawrev-3746	99	24	be	be	AUX
inlawrev-3746	99	25	adequately	adequately	ADV
inlawrev-3746	99	26	estimated	estimate	VERB
inlawrev-3746	99	27	this	this	PRON
inlawrev-3746	99	28	early	early	ADV
inlawrev-3746	99	29	in	in	ADP
inlawrev-3746	99	30	its	its	PRON
inlawrev-3746	99	31	implementation	implementation	NOUN
inlawrev-3746	99	32	.	.	PUNCT
inlawrev-3746	100	1	22	22	NUM
inlawrev-3746	100	2	.	.	PUNCT
inlawrev-3746	101	1	ifindiana	ifindiana	PROPN
inlawrev-3746	101	2	had	have	VERB
inlawrev-3746	101	3	the	the	DET
inlawrev-3746	101	4	same	same	ADJ
inlawrev-3746	101	5	share	share	NOUN
inlawrev-3746	101	6	offha	offha	NOUN
inlawrev-3746	101	7	loans	loan	NOUN
inlawrev-3746	101	8	as	as	ADP
inlawrev-3746	101	9	the	the	DET
inlawrev-3746	101	10	average	average	ADJ
inlawrev-3746	101	11	state	state	NOUN
inlawrev-3746	101	12	,	,	PUNCT
inlawrev-3746	101	13	its	its	PRON
inlawrev-3746	101	14	foreclosure	foreclosure	NOUN
inlawrev-3746	101	15	rate	rate	NOUN
inlawrev-3746	101	16	would	would	AUX
inlawrev-3746	101	17	be	be	AUX
inlawrev-3746	101	18	reduced	reduce	VERB
inlawrev-3746	101	19	by	by	ADP
inlawrev-3746	101	20	0.44	0.44	NUM
inlawrev-3746	101	21	%	%	NOUN
inlawrev-3746	101	22	.	.	PUNCT
inlawrev-3746	102	1	i	i	PRON
inlawrev-3746	102	2	d.	d.	PROPN
inlawrev-3746	102	3	at	at	ADP
inlawrev-3746	102	4	7	7	NUM
inlawrev-3746	102	5	.	.	NOUN
inlawrev-3746	102	6	23	23	NUM
inlawrev-3746	102	7	.	.	PUNCT
inlawrev-3746	103	1	there	there	PRON
inlawrev-3746	103	2	is	be	VERB
inlawrev-3746	103	3	no	no	DET
inlawrev-3746	103	4	mandatory	mandatory	ADJ
inlawrev-3746	103	5	national	national	ADJ
inlawrev-3746	103	6	foreclosure	foreclosure	NOUN
inlawrev-3746	103	7	law	law	NOUN
inlawrev-3746	103	8	,	,	PUNCT
inlawrev-3746	103	9	which	which	PRON
inlawrev-3746	103	10	allows	allow	VERB
inlawrev-3746	103	11	states	state	NOUN
inlawrev-3746	103	12	to	to	PART
inlawrev-3746	103	13	statutorily	statutorily	ADV
inlawrev-3746	103	14	define	define	VERB
inlawrev-3746	103	15	their	their	PRON
inlawrev-3746	103	16	own	own	ADJ
inlawrev-3746	103	17	process	process	NOUN
inlawrev-3746	103	18	.	.	PUNCT
inlawrev-3746	104	1	indiana	indiana	PROPN
inlawrev-3746	104	2	defines	define	VERB
inlawrev-3746	104	3	its	its	PRON
inlawrev-3746	104	4	foreclosure	foreclosure	NOUN
inlawrev-3746	104	5	procedures	procedure	NOUN
inlawrev-3746	104	6	under	under	ADP
inlawrev-3746	104	7	title	title	NOUN
inlawrev-3746	104	8	32	32	NUM
inlawrev-3746	104	9	of	of	ADP
inlawrev-3746	104	10	the	the	DET
inlawrev-3746	104	11	indiana	indiana	PROPN
inlawrev-3746	104	12	code	code	PROPN
inlawrev-3746	104	13	.	.	PUNCT
inlawrev-3746	105	1	see	see	VERB
inlawrev-3746	105	2	,	,	PUNCT
inlawrev-3746	105	3	e.g.	e.g.	ADV
inlawrev-3746	105	4	,	,	PUNCT
inlawrev-3746	105	5	ind	ind	PROPN
inlawrev-3746	105	6	.	.	PUNCT
inlawrev-3746	106	1	code	code	PROPN
inlawrev-3746	106	2	§	§	PROPN
inlawrev-3746	106	3	32	32	NUM
inlawrev-3746	106	4	-	-	SYM
inlawrev-3746	106	5	29	29	NUM
inlawrev-3746	106	6	-	-	PUNCT
inlawrev-3746	106	7	7	7	NUM
inlawrev-3746	106	8	-	-	SYM
inlawrev-3746	106	9	1	1	NUM
inlawrev-3746	106	10	to	to	PART
inlawrev-3746	106	11	-14	-14	PUNCT
inlawrev-3746	106	12	(	(	PUNCT
inlawrev-3746	106	13	2002	2002	NUM
inlawrev-3746	106	14	)	)	PUNCT
inlawrev-3746	106	15	.	.	PUNCT
inlawrev-3746	107	1	because	because	SCONJ
inlawrev-3746	107	2	of	of	ADP
inlawrev-3746	107	3	this	this	DET
inlawrev-3746	107	4	freedom	freedom	NOUN
inlawrev-3746	107	5	,	,	PUNCT
inlawrev-3746	107	6	states	state	NOUN
inlawrev-3746	107	7	have	have	VERB
inlawrev-3746	107	8	conflicting	conflicting	ADJ
inlawrev-3746	107	9	provisions	provision	NOUN
inlawrev-3746	107	10	that	that	PRON
inlawrev-3746	107	11	can	can	AUX
inlawrev-3746	107	12	have	have	VERB
inlawrev-3746	107	13	varying	vary	VERB
inlawrev-3746	107	14	effects	effect	NOUN
inlawrev-3746	107	15	on	on	ADP
inlawrev-3746	107	16	the	the	DET
inlawrev-3746	107	17	frequency	frequency	NOUN
inlawrev-3746	107	18	and	and	CCONJ
inlawrev-3746	107	19	likelihood	likelihood	NOUN
inlawrev-3746	107	20	of	of	ADP
inlawrev-3746	107	21	foreclosures	foreclosure	NOUN
inlawrev-3746	107	22	.	.	PUNCT
inlawrev-3746	108	1	these	these	DET
inlawrev-3746	108	2	differences	difference	NOUN
inlawrev-3746	108	3	are	be	AUX
inlawrev-3746	108	4	explored	explore	VERB
inlawrev-3746	108	5	later	later	ADV
inlawrev-3746	108	6	in	in	ADP
inlawrev-3746	108	7	this	this	DET
inlawrev-3746	108	8	note	note	NOUN
inlawrev-3746	108	9	.	.	PUNCT
inlawrev-3746	109	1	24	24	NUM
inlawrev-3746	109	2	.	.	PUNCT
inlawrev-3746	110	1	there	there	PRON
inlawrev-3746	110	2	has	have	AUX
inlawrev-3746	110	3	been	be	AUX
inlawrev-3746	110	4	widespread	widespread	ADJ
inlawrev-3746	110	5	support	support	NOUN
inlawrev-3746	110	6	on	on	ADP
inlawrev-3746	110	7	the	the	DET
inlawrev-3746	110	8	benefits	benefit	NOUN
inlawrev-3746	110	9	ofuniform	ofuniform	X
inlawrev-3746	110	10	national	national	ADJ
inlawrev-3746	110	11	foreclosure	foreclosure	NOUN
inlawrev-3746	110	12	laws	law	NOUN
inlawrev-3746	110	13	.	.	PUNCT
inlawrev-3746	111	1	see	see	VERB
inlawrev-3746	111	2	,	,	PUNCT
inlawrev-3746	111	3	e.g.	e.g.	ADV
inlawrev-3746	111	4	,	,	PUNCT
inlawrev-3746	111	5	grant	grant	PROPN
inlawrev-3746	111	6	s.	s.	PROPN
inlawrev-3746	111	7	nelson	nelson	PROPN
inlawrev-3746	111	8	,	,	PUNCT
inlawrev-3746	111	9	reforming	reform	VERB
inlawrev-3746	111	10	foreclosure	foreclosure	NOUN
inlawrev-3746	111	11	:	:	PUNCT
inlawrev-3746	111	12	the	the	DET
inlawrev-3746	111	13	uniform	uniform	ADJ
inlawrev-3746	111	14	nonjudicial	nonjudicial	ADJ
inlawrev-3746	111	15	foreclosure	foreclosure	NOUN
inlawrev-3746	111	16	act	act	NOUN
inlawrev-3746	111	17	,	,	PUNCT
inlawrev-3746	111	18	53	53	NUM
inlawrev-3746	111	19	2005	2005	NUM
inlawrev-3746	111	20	]	]	PUNCT
inlawrev-3746	111	21	hoosier	hoosier	NOUN
inlawrev-3746	111	22	inhospitality	inhospitality	NOUN
inlawrev-3746	111	23	91	91	NUM
inlawrev-3746	111	24	methods	method	NOUN
inlawrev-3746	111	25	in	in	ADP
inlawrev-3746	111	26	the	the	DET
inlawrev-3746	111	27	united	united	PROPN
inlawrev-3746	111	28	states	states	PROPN
inlawrev-3746	111	29	,	,	PUNCT
inlawrev-3746	111	30	judicial	judicial	ADJ
inlawrev-3746	111	31	foreclosure	foreclosure	NOUN
inlawrev-3746	111	32	and	and	CCONJ
inlawrev-3746	111	33	nonjudicial	nonjudicial	ADJ
inlawrev-3746	111	34	(	(	PUNCT
inlawrev-3746	111	35	also	also	ADV
inlawrev-3746	111	36	known	know	VERB
inlawrev-3746	111	37	as	as	ADP
inlawrev-3746	111	38	"	"	PUNCT
inlawrev-3746	111	39	power	power	NOUN
inlawrev-3746	111	40	-	-	PUNCT
inlawrev-3746	111	41	of	of	ADP
inlawrev-3746	111	42	-	-	PUNCT
inlawrev-3746	111	43	sale	sale	NOUN
inlawrev-3746	111	44	"	"	PUNCT
inlawrev-3746	111	45	)	)	PUNCT
inlawrev-3746	111	46	foreclosure	foreclosure	NOUN
inlawrev-3746	111	47	.	.	PUNCT
inlawrev-3746	112	1	judicial	judicial	ADJ
inlawrev-3746	112	2	foreclosure	foreclosure	NOUN
inlawrev-3746	112	3	entails	entail	VERB
inlawrev-3746	112	4	court	court	NOUN
inlawrev-3746	112	5	adjudication	adjudication	NOUN
inlawrev-3746	112	6	of	of	ADP
inlawrev-3746	112	7	a	a	DET
inlawrev-3746	112	8	lender	lender	NOUN
inlawrev-3746	112	9	-	-	PUNCT
inlawrev-3746	112	10	mortgagee	mortgagee	NOUN
inlawrev-3746	112	11	initiated	initiate	VERB
inlawrev-3746	112	12	foreclosure	foreclosure	NOUN
inlawrev-3746	112	13	action	action	NOUN
inlawrev-3746	112	14	.	.	PUNCT
inlawrev-3746	113	1	25	25	NUM
inlawrev-3746	113	2	in	in	ADP
inlawrev-3746	113	3	contrast	contrast	NOUN
inlawrev-3746	113	4	,	,	PUNCT
inlawrev-3746	113	5	nonjudicial	nonjudicial	ADJ
inlawrev-3746	113	6	foreclosure	foreclosure	NOUN
inlawrev-3746	113	7	gives	give	VERB
inlawrev-3746	113	8	the	the	DET
inlawrev-3746	113	9	mortgagee	mortgagee	NOUN
inlawrev-3746	113	10	the	the	DET
inlawrev-3746	113	11	power	power	NOUN
inlawrev-3746	113	12	to	to	PART
inlawrev-3746	113	13	sell	sell	VERB
inlawrev-3746	113	14	the	the	DET
inlawrev-3746	113	15	mortgaged	mortgaged	ADJ
inlawrev-3746	113	16	property	property	NOUN
inlawrev-3746	113	17	to	to	ADP
inlawrev-3746	113	18	the	the	DET
inlawrev-3746	113	19	general	general	ADJ
inlawrev-3746	113	20	public	public	NOUN
inlawrev-3746	113	21	,	,	PUNCT
inlawrev-3746	113	22	without	without	ADP
inlawrev-3746	113	23	court	court	NOUN
inlawrev-3746	113	24	supervision	supervision	NOUN
inlawrev-3746	113	25	,	,	PUNCT
inlawrev-3746	113	26	by	by	ADP
inlawrev-3746	113	27	placing	place	VERB
inlawrev-3746	113	28	advertisements	advertisement	NOUN
inlawrev-3746	113	29	.	.	PUNCT
inlawrev-3746	114	1	26	26	NUM
inlawrev-3746	114	2	currently	currently	ADV
inlawrev-3746	114	3	,	,	PUNCT
inlawrev-3746	114	4	judicial	judicial	ADJ
inlawrev-3746	114	5	foreclosure	foreclosure	NOUN
inlawrev-3746	114	6	is	be	AUX
inlawrev-3746	114	7	available	available	ADJ
inlawrev-3746	114	8	in	in	ADP
inlawrev-3746	114	9	every	every	DET
inlawrev-3746	114	10	state	state	NOUN
inlawrev-3746	114	11	,	,	PUNCT
inlawrev-3746	114	12	but	but	CCONJ
inlawrev-3746	114	13	only	only	ADV
inlawrev-3746	114	14	approximately	approximately	ADV
inlawrev-3746	114	15	sixty	sixty	NUM
inlawrev-3746	114	16	percent	percent	NOUN
inlawrev-3746	114	17	of	of	ADP
inlawrev-3746	114	18	states	state	NOUN
inlawrev-3746	114	19	permit	permit	VERB
inlawrev-3746	114	20	nonjudicial	nonjudicial	ADJ
inlawrev-3746	114	21	foreclosure	foreclosure	NOUN
inlawrev-3746	114	22	.	.	PUNCT
inlawrev-3746	115	1	27	27	NUM
inlawrev-3746	115	2	a	a	DET
inlawrev-3746	115	3	third	third	ADJ
inlawrev-3746	115	4	type	type	NOUN
inlawrev-3746	115	5	of	of	ADP
inlawrev-3746	115	6	foreclosure	foreclosure	NOUN
inlawrev-3746	115	7	,	,	PUNCT
inlawrev-3746	115	8	strict	strict	ADJ
inlawrev-3746	115	9	foreclosure	foreclosure	NOUN
inlawrev-3746	115	10	,	,	PUNCT
inlawrev-3746	115	11	is	be	AUX
inlawrev-3746	115	12	available	available	ADJ
inlawrev-3746	115	13	in	in	ADP
inlawrev-3746	115	14	only	only	ADV
inlawrev-3746	115	15	three	three	NUM
inlawrev-3746	115	16	states	state	NOUN
inlawrev-3746	115	17	.	.	PUNCT
inlawrev-3746	116	1	28	28	NUM
inlawrev-3746	117	1	in	in	ADP
inlawrev-3746	117	2	addition	addition	NOUN
inlawrev-3746	117	3	,	,	PUNCT
inlawrev-3746	117	4	states	state	NOUN
inlawrev-3746	117	5	differ	differ	VERB
inlawrev-3746	117	6	in	in	ADP
inlawrev-3746	117	7	the	the	DET
inlawrev-3746	117	8	notice	notice	NOUN
inlawrev-3746	117	9	required	require	VERB
inlawrev-3746	117	10	to	to	ADP
inlawrev-3746	117	11	mortgagors	mortgagor	NOUN
inlawrev-3746	117	12	when	when	SCONJ
inlawrev-3746	117	13	they	they	PRON
inlawrev-3746	117	14	have	have	AUX
inlawrev-3746	117	15	defaulted	default	VERB
inlawrev-3746	117	16	or	or	CCONJ
inlawrev-3746	117	17	are	be	AUX
inlawrev-3746	117	18	facing	face	VERB
inlawrev-3746	117	19	foreclosure	foreclosure	NOUN
inlawrev-3746	117	20	.	.	PUNCT
inlawrev-3746	118	1	while	while	SCONJ
inlawrev-3746	118	2	some	some	DET
inlawrev-3746	118	3	states	state	NOUN
inlawrev-3746	118	4	require	require	VERB
inlawrev-3746	118	5	notice	notice	NOUN
inlawrev-3746	118	6	to	to	ADP
inlawrev-3746	118	7	the	the	DET
inlawrev-3746	118	8	mortgagor	mortgagor	NOUN
inlawrev-3746	118	9	if	if	SCONJ
inlawrev-3746	118	10	they	they	PRON
inlawrev-3746	118	11	have	have	AUX
inlawrev-3746	118	12	defaulted	default	VERB
inlawrev-3746	118	13	on	on	ADP
inlawrev-3746	118	14	their	their	PRON
inlawrev-3746	118	15	mortgage	mortgage	NOUN
inlawrev-3746	118	16	or	or	CCONJ
inlawrev-3746	118	17	if	if	SCONJ
inlawrev-3746	118	18	it	it	PRON
inlawrev-3746	118	19	is	be	AUX
inlawrev-3746	118	20	being	be	AUX
inlawrev-3746	118	21	accelerated	accelerate	VERB
inlawrev-3746	118	22	,	,	PUNCT
inlawrev-3746	118	23	others	other	NOUN
inlawrev-3746	118	24	leave	leave	VERB
inlawrev-3746	118	25	it	it	PRON
inlawrev-3746	118	26	up	up	ADP
inlawrev-3746	118	27	to	to	ADP
inlawrev-3746	118	28	the	the	DET
inlawrev-3746	118	29	parties	party	NOUN
inlawrev-3746	118	30	to	to	PART
inlawrev-3746	118	31	include	include	VERB
inlawrev-3746	118	32	such	such	ADJ
inlawrev-3746	118	33	notice	notice	NOUN
inlawrev-3746	118	34	requirements	requirement	NOUN
inlawrev-3746	118	35	in	in	ADP
inlawrev-3746	118	36	the	the	DET
inlawrev-3746	118	37	loan	loan	NOUN
inlawrev-3746	118	38	document	document	NOUN
inlawrev-3746	118	39	itself	itself	PRON
inlawrev-3746	118	40	.	.	PUNCT
inlawrev-3746	119	1	these	these	DET
inlawrev-3746	119	2	notice	notice	NOUN
inlawrev-3746	119	3	provisions	provision	NOUN
inlawrev-3746	119	4	can	can	AUX
inlawrev-3746	119	5	reduce	reduce	VERB
inlawrev-3746	119	6	the	the	DET
inlawrev-3746	119	7	number	number	NOUN
inlawrev-3746	119	8	offoreclosures	offoreclosure	VERB
inlawrev-3746	119	9	duke	duke	PROPN
inlawrev-3746	119	10	l.j	l.j	PROPN
inlawrev-3746	119	11	.	.	PROPN
inlawrev-3746	119	12	1399	1399	NUM
inlawrev-3746	119	13	(	(	PUNCT
inlawrev-3746	119	14	2004	2004	NUM
inlawrev-3746	119	15	)	)	PUNCT
inlawrev-3746	119	16	.	.	PUNCT
inlawrev-3746	120	1	however	however	ADV
inlawrev-3746	120	2	,	,	PUNCT
inlawrev-3746	120	3	until	until	SCONJ
inlawrev-3746	120	4	such	such	DET
inlawrev-3746	120	5	a	a	DET
inlawrev-3746	120	6	law	law	NOUN
inlawrev-3746	120	7	is	be	AUX
inlawrev-3746	120	8	passed	pass	VERB
inlawrev-3746	120	9	,	,	PUNCT
inlawrev-3746	120	10	state	state	NOUN
inlawrev-3746	120	11	statutes	statute	NOUN
inlawrev-3746	120	12	must	must	AUX
inlawrev-3746	120	13	be	be	AUX
inlawrev-3746	120	14	examined	examine	VERB
inlawrev-3746	120	15	individually	individually	ADV
inlawrev-3746	120	16	and	and	CCONJ
inlawrev-3746	120	17	indiana	indiana	PROPN
inlawrev-3746	120	18	should	should	AUX
inlawrev-3746	120	19	strive	strive	VERB
inlawrev-3746	120	20	to	to	PART
inlawrev-3746	120	21	have	have	VERB
inlawrev-3746	120	22	the	the	DET
inlawrev-3746	120	23	most	most	ADV
inlawrev-3746	120	24	effective	effective	ADJ
inlawrev-3746	120	25	and	and	CCONJ
inlawrev-3746	120	26	inexpensive	inexpensive	ADJ
inlawrev-3746	120	27	foreclosure	foreclosure	NOUN
inlawrev-3746	120	28	laws	law	NOUN
inlawrev-3746	120	29	it	it	PRON
inlawrev-3746	120	30	can	can	AUX
inlawrev-3746	120	31	.	.	PUNCT
inlawrev-3746	121	1	25	25	NUM
inlawrev-3746	121	2	.	.	PUNCT
inlawrev-3746	121	3	judicial	judicial	ADJ
inlawrev-3746	121	4	foreclosure	foreclosure	NOUN
inlawrev-3746	121	5	,	,	PUNCT
inlawrev-3746	121	6	while	while	SCONJ
inlawrev-3746	121	7	time	time	NOUN
inlawrev-3746	121	8	consuming	consume	VERB
inlawrev-3746	121	9	and	and	CCONJ
inlawrev-3746	121	10	costly	costly	ADJ
inlawrev-3746	121	11	,	,	PUNCT
inlawrev-3746	121	12	is	be	AUX
inlawrev-3746	121	13	the	the	DET
inlawrev-3746	121	14	best	good	ADJ
inlawrev-3746	121	15	way	way	NOUN
inlawrev-3746	121	16	to	to	PART
inlawrev-3746	121	17	ascertain	ascertain	VERB
inlawrev-3746	121	18	the	the	DET
inlawrev-3746	121	19	rights	right	NOUN
inlawrev-3746	121	20	of	of	ADP
inlawrev-3746	121	21	the	the	DET
inlawrev-3746	121	22	parties	party	NOUN
inlawrev-3746	121	23	involved	involve	VERB
inlawrev-3746	121	24	in	in	ADP
inlawrev-3746	121	25	the	the	DET
inlawrev-3746	121	26	dispute	dispute	NOUN
inlawrev-3746	121	27	.	.	PUNCT
inlawrev-3746	122	1	see	see	VERB
inlawrev-3746	122	2	jon	jon	PROPN
inlawrev-3746	122	3	w.	w.	PROPN
inlawrev-3746	122	4	bruce	bruce	PROPN
inlawrev-3746	122	5	,	,	PUNCT
inlawrev-3746	122	6	real	real	ADJ
inlawrev-3746	122	7	estate	estate	NOUN
inlawrev-3746	122	8	finance	finance	NOUN
inlawrev-3746	122	9	in	in	ADP
inlawrev-3746	122	10	a	a	DET
inlawrev-3746	122	11	nutshell	nutshell	NOUN
inlawrev-3746	122	12	199	199	NUM
inlawrev-3746	122	13	(	(	PUNCT
inlawrev-3746	122	14	1997	1997	NUM
inlawrev-3746	122	15	)	)	PUNCT
inlawrev-3746	122	16	.	.	PUNCT
inlawrev-3746	123	1	however	however	ADV
inlawrev-3746	123	2	,	,	PUNCT
inlawrev-3746	123	3	rights	right	NOUN
inlawrev-3746	123	4	are	be	AUX
inlawrev-3746	123	5	only	only	ADV
inlawrev-3746	123	6	finalized	finalize	VERB
inlawrev-3746	123	7	once	once	SCONJ
inlawrev-3746	123	8	the	the	DET
inlawrev-3746	123	9	court	court	NOUN
inlawrev-3746	123	10	confirms	confirm	VERB
inlawrev-3746	123	11	the	the	DET
inlawrev-3746	123	12	sale	sale	NOUN
inlawrev-3746	123	13	ofthe	ofthe	NOUN
inlawrev-3746	123	14	property	property	NOUN
inlawrev-3746	123	15	,	,	PUNCT
inlawrev-3746	123	16	which	which	PRON
inlawrev-3746	123	17	it	it	PRON
inlawrev-3746	123	18	will	will	AUX
inlawrev-3746	123	19	do	do	VERB
inlawrev-3746	123	20	unless	unless	SCONJ
inlawrev-3746	123	21	fraud	fraud	NOUN
inlawrev-3746	123	22	ofsome	ofsome	NOUN
inlawrev-3746	123	23	sort	sort	NOUN
inlawrev-3746	123	24	is	be	AUX
inlawrev-3746	123	25	shown	show	VERB
inlawrev-3746	123	26	.	.	PUNCT
inlawrev-3746	124	1	i	i	PRON
inlawrev-3746	124	2	d.	d.	PROPN
inlawrev-3746	124	3	at	at	ADP
inlawrev-3746	124	4	202	202	NUM
inlawrev-3746	124	5	.	.	PUNCT
inlawrev-3746	125	1	typically	typically	ADV
inlawrev-3746	125	2	,	,	PUNCT
inlawrev-3746	125	3	proceeds	proceed	VERB
inlawrev-3746	125	4	from	from	ADP
inlawrev-3746	125	5	any	any	DET
inlawrev-3746	125	6	sale	sale	NOUN
inlawrev-3746	125	7	cover	cover	NOUN
inlawrev-3746	125	8	the	the	DET
inlawrev-3746	125	9	expenses	expense	NOUN
inlawrev-3746	125	10	ofthe	ofthe	NOUN
inlawrev-3746	125	11	foreclosure	foreclosure	NOUN
inlawrev-3746	125	12	,	,	PUNCT
inlawrev-3746	125	13	satisfaction	satisfaction	NOUN
inlawrev-3746	125	14	of	of	ADP
inlawrev-3746	125	15	the	the	DET
inlawrev-3746	125	16	mortgage	mortgage	NOUN
inlawrev-3746	125	17	debt	debt	NOUN
inlawrev-3746	125	18	,	,	PUNCT
inlawrev-3746	125	19	and	and	CCONJ
inlawrev-3746	125	20	satisfaction	satisfaction	NOUN
inlawrev-3746	125	21	of	of	ADP
inlawrev-3746	125	22	any	any	DET
inlawrev-3746	125	23	junior	junior	ADJ
inlawrev-3746	125	24	liens	lien	NOUN
inlawrev-3746	125	25	on	on	ADP
inlawrev-3746	125	26	the	the	DET
inlawrev-3746	125	27	property	property	NOUN
inlawrev-3746	125	28	.	.	PUNCT
inlawrev-3746	126	1	any	any	DET
inlawrev-3746	126	2	excess	excess	ADJ
inlawrev-3746	126	3	proceeds	proceed	NOUN
inlawrev-3746	126	4	go	go	VERB
inlawrev-3746	126	5	to	to	ADP
inlawrev-3746	126	6	the	the	DET
inlawrev-3746	126	7	purchaser	purchaser	NOUN
inlawrev-3746	126	8	,	,	PUNCT
inlawrev-3746	126	9	and	and	CCONJ
inlawrev-3746	126	10	lenders	lender	NOUN
inlawrev-3746	126	11	may	may	AUX
inlawrev-3746	126	12	be	be	AUX
inlawrev-3746	126	13	able	able	ADJ
inlawrev-3746	126	14	to	to	PART
inlawrev-3746	126	15	seek	seek	VERB
inlawrev-3746	126	16	a	a	DET
inlawrev-3746	126	17	deficiencyjudgment	deficiencyjudgment	NOUN
inlawrev-3746	126	18	to	to	PART
inlawrev-3746	126	19	recover	recover	VERB
inlawrev-3746	126	20	personally	personally	ADV
inlawrev-3746	126	21	from	from	ADP
inlawrev-3746	126	22	the	the	DET
inlawrev-3746	126	23	borrower	borrower	NOUN
inlawrev-3746	126	24	ifthe	ifthe	PROPN
inlawrev-3746	126	25	proceeds	proceed	NOUN
inlawrev-3746	126	26	from	from	ADP
inlawrev-3746	126	27	the	the	DET
inlawrev-3746	126	28	sale	sale	NOUN
inlawrev-3746	126	29	are	be	AUX
inlawrev-3746	126	30	insufficient	insufficient	ADJ
inlawrev-3746	126	31	to	to	PART
inlawrev-3746	126	32	satisfy	satisfy	VERB
inlawrev-3746	126	33	the	the	DET
inlawrev-3746	126	34	debt	debt	NOUN
inlawrev-3746	126	35	.	.	PUNCT
inlawrev-3746	127	1	i	i	PRON
inlawrev-3746	127	2	d.	d.	PROPN
inlawrev-3746	127	3	at	at	ADP
inlawrev-3746	127	4	205	205	NUM
inlawrev-3746	127	5	.	.	PUNCT
inlawrev-3746	128	1	each	each	DET
inlawrev-3746	128	2	state	state	NOUN
inlawrev-3746	128	3	specifically	specifically	ADV
inlawrev-3746	128	4	outlines	outline	VERB
inlawrev-3746	128	5	the	the	DET
inlawrev-3746	128	6	procedures	procedure	NOUN
inlawrev-3746	128	7	for	for	ADP
inlawrev-3746	128	8	judicial	judicial	ADJ
inlawrev-3746	128	9	foreclosure	foreclosure	NOUN
inlawrev-3746	128	10	by	by	ADP
inlawrev-3746	128	11	statute	statute	NOUN
inlawrev-3746	128	12	or	or	CCONJ
inlawrev-3746	128	13	common	common	ADJ
inlawrev-3746	128	14	law	law	NOUN
inlawrev-3746	128	15	.	.	PUNCT
inlawrev-3746	129	1	26	26	NUM
inlawrev-3746	129	2	.	.	PUNCT
inlawrev-3746	130	1	when	when	SCONJ
inlawrev-3746	130	2	available	available	ADJ
inlawrev-3746	130	3	,	,	PUNCT
inlawrev-3746	130	4	lenders	lender	NOUN
inlawrev-3746	130	5	almost	almost	ADV
inlawrev-3746	130	6	always	always	ADV
inlawrev-3746	130	7	use	use	VERB
inlawrev-3746	130	8	nonjudicial	nonjudicial	ADJ
inlawrev-3746	130	9	foreclosures	foreclosure	NOUN
inlawrev-3746	130	10	because	because	SCONJ
inlawrev-3746	130	11	they	they	PRON
inlawrev-3746	130	12	are	be	AUX
inlawrev-3746	130	13	quicker	quick	ADJ
inlawrev-3746	130	14	and	and	CCONJ
inlawrev-3746	130	15	less	less	ADV
inlawrev-3746	130	16	expensive	expensive	ADJ
inlawrev-3746	130	17	than	than	ADP
inlawrev-3746	130	18	judicial	judicial	ADJ
inlawrev-3746	130	19	foreclosures	foreclosure	NOUN
inlawrev-3746	130	20	.	.	PUNCT
inlawrev-3746	131	1	however	however	ADV
inlawrev-3746	131	2	,	,	PUNCT
inlawrev-3746	131	3	nonjudicial	nonjudicial	ADJ
inlawrev-3746	131	4	foreclosures	foreclosure	NOUN
inlawrev-3746	131	5	do	do	AUX
inlawrev-3746	131	6	not	not	PART
inlawrev-3746	131	7	have	have	VERB
inlawrev-3746	131	8	the	the	DET
inlawrev-3746	131	9	benefit	benefit	NOUN
inlawrev-3746	131	10	ofbeing	ofbeing	NOUN
inlawrev-3746	131	11	backed	back	VERB
inlawrev-3746	131	12	by	by	ADP
inlawrev-3746	131	13	a	a	DET
inlawrev-3746	131	14	court	court	NOUN
inlawrev-3746	131	15	order	order	NOUN
inlawrev-3746	131	16	,	,	PUNCT
inlawrev-3746	131	17	and	and	CCONJ
inlawrev-3746	131	18	courts	court	NOUN
inlawrev-3746	131	19	generally	generally	ADV
inlawrev-3746	131	20	will	will	AUX
inlawrev-3746	131	21	set	set	VERB
inlawrev-3746	131	22	them	they	PRON
inlawrev-3746	131	23	aside	aside	ADV
inlawrev-3746	131	24	for	for	ADP
inlawrev-3746	131	25	even	even	ADV
inlawrev-3746	131	26	a	a	DET
inlawrev-3746	131	27	slight	slight	ADJ
inlawrev-3746	131	28	error	error	NOUN
inlawrev-3746	131	29	in	in	ADP
inlawrev-3746	131	30	mechanics	mechanic	NOUN
inlawrev-3746	131	31	.	.	PUNCT
inlawrev-3746	132	1	furthermore	furthermore	ADV
inlawrev-3746	132	2	,	,	PUNCT
inlawrev-3746	132	3	some	some	DET
inlawrev-3746	132	4	states	state	NOUN
inlawrev-3746	132	5	do	do	AUX
inlawrev-3746	132	6	not	not	PART
inlawrev-3746	132	7	allow	allow	VERB
inlawrev-3746	132	8	lenders	lender	NOUN
inlawrev-3746	132	9	to	to	PART
inlawrev-3746	132	10	pursue	pursue	VERB
inlawrev-3746	132	11	deficiency	deficiency	NOUN
inlawrev-3746	132	12	judgments	judgment	NOUN
inlawrev-3746	132	13	when	when	SCONJ
inlawrev-3746	132	14	they	they	PRON
inlawrev-3746	132	15	proceed	proceed	VERB
inlawrev-3746	132	16	nonjudicially	nonjudicially	ADV
inlawrev-3746	132	17	.	.	PUNCT
inlawrev-3746	133	1	see	see	VERB
inlawrev-3746	133	2	sidney	sidney	PROPN
inlawrev-3746	133	3	a.	a.	PROPN
inlawrev-3746	133	4	keyles	keyles	PROPN
inlawrev-3746	133	5	,	,	PUNCT
inlawrev-3746	133	6	foreclosure	foreclosure	NOUN
inlawrev-3746	133	7	law	law	NOUN
inlawrev-3746	133	8	&	&	CCONJ
inlawrev-3746	133	9	related	related	ADJ
inlawrev-3746	133	10	remedies	remedy	NOUN
inlawrev-3746	133	11	:	:	PUNCT
inlawrev-3746	133	12	a	a	DET
inlawrev-3746	133	13	state	state	NOUN
inlawrev-3746	133	14	-	-	PUNCT
inlawrev-3746	133	15	by	by	ADP
inlawrev-3746	133	16	-	-	PUNCT
inlawrev-3746	133	17	state	state	NOUN
inlawrev-3746	133	18	digest	digest	NOUN
inlawrev-3746	133	19	321	321	NUM
inlawrev-3746	133	20	(	(	PUNCT
inlawrev-3746	133	21	1995	1995	NUM
inlawrev-3746	133	22	)	)	PUNCT
inlawrev-3746	133	23	.	.	PUNCT
inlawrev-3746	134	1	27	27	NUM
inlawrev-3746	134	2	.	.	PUNCT
inlawrev-3746	135	1	nelson	nelson	PROPN
inlawrev-3746	135	2	,	,	PUNCT
inlawrev-3746	135	3	supra	supra	PROPN
inlawrev-3746	135	4	note	note	NOUN
inlawrev-3746	135	5	24	24	NUM
inlawrev-3746	135	6	,	,	PUNCT
inlawrev-3746	135	7	at	at	ADP
inlawrev-3746	135	8	1	1	NUM
inlawrev-3746	135	9	403	403	NUM
inlawrev-3746	135	10	.	.	PUNCT
inlawrev-3746	136	1	states	state	NOUN
inlawrev-3746	136	2	that	that	PRON
inlawrev-3746	136	3	allow	allow	VERB
inlawrev-3746	136	4	either	either	CCONJ
inlawrev-3746	136	5	nonjudicial	nonjudicial	ADJ
inlawrev-3746	136	6	orjudicial	orjudicial	ADJ
inlawrev-3746	136	7	foreclosure	foreclosure	NOUN
inlawrev-3746	136	8	include	include	VERB
inlawrev-3746	136	9	:	:	PUNCT
inlawrev-3746	136	10	alabama	alabama	PROPN
inlawrev-3746	136	11	,	,	PUNCT
inlawrev-3746	136	12	alaska	alaska	PROPN
inlawrev-3746	136	13	,	,	PUNCT
inlawrev-3746	136	14	arizona	arizona	PROPN
inlawrev-3746	136	15	,	,	PUNCT
inlawrev-3746	136	16	arkansas	arkansas	PROPN
inlawrev-3746	136	17	,	,	PUNCT
inlawrev-3746	136	18	california	california	PROPN
inlawrev-3746	136	19	,	,	PUNCT
inlawrev-3746	136	20	colorado	colorado	PROPN
inlawrev-3746	136	21	,	,	PUNCT
inlawrev-3746	136	22	georgia	georgia	PROPN
inlawrev-3746	136	23	,	,	PUNCT
inlawrev-3746	136	24	hawaii	hawaii	PROPN
inlawrev-3746	136	25	,	,	PUNCT
inlawrev-3746	136	26	idaho	idaho	PROPN
inlawrev-3746	136	27	,	,	PUNCT
inlawrev-3746	136	28	iowa	iowa	PROPN
inlawrev-3746	136	29	,	,	PUNCT
inlawrev-3746	136	30	massachusetts	massachusetts	PROPN
inlawrev-3746	136	31	,	,	PUNCT
inlawrev-3746	136	32	michigan	michigan	PROPN
inlawrev-3746	136	33	,	,	PUNCT
inlawrev-3746	136	34	minnesota	minnesota	PROPN
inlawrev-3746	136	35	,	,	PUNCT
inlawrev-3746	136	36	mississippi	mississippi	PROPN
inlawrev-3746	136	37	,	,	PUNCT
inlawrev-3746	136	38	missouri	missouri	PROPN
inlawrev-3746	136	39	,	,	PUNCT
inlawrev-3746	136	40	montana	montana	PROPN
inlawrev-3746	136	41	,	,	PUNCT
inlawrev-3746	136	42	nebraska	nebraska	PROPN
inlawrev-3746	136	43	,	,	PUNCT
inlawrev-3746	136	44	nevada	nevada	PROPN
inlawrev-3746	136	45	,	,	PUNCT
inlawrev-3746	136	46	new	new	PROPN
inlawrev-3746	136	47	hampshire	hampshire	PROPN
inlawrev-3746	136	48	,	,	PUNCT
inlawrev-3746	136	49	new	new	PROPN
inlawrev-3746	136	50	york	york	PROPN
inlawrev-3746	136	51	,	,	PUNCT
inlawrev-3746	136	52	north	north	PROPN
inlawrev-3746	136	53	carolina	carolina	PROPN
inlawrev-3746	136	54	,	,	PUNCT
inlawrev-3746	136	55	oklahoma	oklahoma	PROPN
inlawrev-3746	136	56	,	,	PUNCT
inlawrev-3746	136	57	oregon	oregon	PROPN
inlawrev-3746	136	58	,	,	PUNCT
inlawrev-3746	136	59	rhode	rhode	PROPN
inlawrev-3746	136	60	island	island	NOUN
inlawrev-3746	136	61	,	,	PUNCT
inlawrev-3746	136	62	south	south	PROPN
inlawrev-3746	136	63	dakota	dakota	PROPN
inlawrev-3746	136	64	,	,	PUNCT
inlawrev-3746	136	65	tennessee	tennessee	PROPN
inlawrev-3746	136	66	,	,	PUNCT
inlawrev-3746	136	67	texas	texas	PROPN
inlawrev-3746	136	68	,	,	PUNCT
inlawrev-3746	136	69	utah	utah	PROPN
inlawrev-3746	136	70	,	,	PUNCT
inlawrev-3746	136	71	virginia	virginia	PROPN
inlawrev-3746	136	72	,	,	PUNCT
inlawrev-3746	136	73	washington	washington	PROPN
inlawrev-3746	136	74	,	,	PUNCT
inlawrev-3746	136	75	west	west	PROPN
inlawrev-3746	136	76	virginia	virginia	PROPN
inlawrev-3746	136	77	,	,	PUNCT
inlawrev-3746	136	78	wisconsin	wisconsin	PROPN
inlawrev-3746	136	79	,	,	PUNCT
inlawrev-3746	136	80	and	and	CCONJ
inlawrev-3746	136	81	wyoming	wyoming	NOUN
inlawrev-3746	136	82	.	.	PUNCT
inlawrev-3746	137	1	all	all	DET
inlawrev-3746	137	2	other	other	ADJ
inlawrev-3746	137	3	states	state	NOUN
inlawrev-3746	137	4	,	,	PUNCT
inlawrev-3746	137	5	including	include	VERB
inlawrev-3746	137	6	indiana	indiana	PROPN
inlawrev-3746	137	7	,	,	PUNCT
inlawrev-3746	137	8	require	require	VERB
inlawrev-3746	137	9	judicial	judicial	ADJ
inlawrev-3746	137	10	foreclosure	foreclosure	NOUN
inlawrev-3746	137	11	.	.	PUNCT
inlawrev-3746	138	1	pence	penny	NOUN
inlawrev-3746	138	2	,	,	PUNCT
inlawrev-3746	138	3	supra	supra	PROPN
inlawrev-3746	138	4	note	note	NOUN
inlawrev-3746	138	5	5	5	NUM
inlawrev-3746	138	6	,	,	PUNCT
inlawrev-3746	138	7	at	at	ADP
inlawrev-3746	138	8	3	3	NUM
inlawrev-3746	138	9	.	.	NOUN
inlawrev-3746	138	10	28	28	NUM
inlawrev-3746	138	11	.	.	PUNCT
inlawrev-3746	139	1	strict	strict	ADJ
inlawrev-3746	139	2	foreclosure	foreclosure	NOUN
inlawrev-3746	139	3	gives	give	VERB
inlawrev-3746	139	4	a	a	DET
inlawrev-3746	139	5	mortgagor	mortgagor	NOUN
inlawrev-3746	139	6	in	in	ADP
inlawrev-3746	139	7	default	default	NOUN
inlawrev-3746	139	8	a	a	DET
inlawrev-3746	139	9	period	period	NOUN
inlawrev-3746	139	10	oftime	oftime	NOUN
inlawrev-3746	139	11	to	to	PART
inlawrev-3746	139	12	repay	repay	VERB
inlawrev-3746	139	13	the	the	DET
inlawrev-3746	139	14	debt	debt	NOUN
inlawrev-3746	139	15	,	,	PUNCT
inlawrev-3746	139	16	or	or	CCONJ
inlawrev-3746	139	17	their	their	PRON
inlawrev-3746	139	18	right	right	NOUN
inlawrev-3746	139	19	to	to	PART
inlawrev-3746	139	20	redeem	redeem	VERB
inlawrev-3746	139	21	the	the	DET
inlawrev-3746	139	22	property	property	NOUN
inlawrev-3746	139	23	is	be	AUX
inlawrev-3746	139	24	extinguished	extinguish	VERB
inlawrev-3746	139	25	.	.	PUNCT
inlawrev-3746	140	1	this	this	DET
inlawrev-3746	140	2	result	result	NOUN
inlawrev-3746	140	3	is	be	AUX
inlawrev-3746	140	4	often	often	ADV
inlawrev-3746	140	5	viewed	view	VERB
inlawrev-3746	140	6	as	as	ADP
inlawrev-3746	140	7	too	too	ADV
inlawrev-3746	140	8	harsh	harsh	ADJ
inlawrev-3746	140	9	and	and	CCONJ
inlawrev-3746	140	10	unfair	unfair	ADJ
inlawrev-3746	140	11	,	,	PUNCT
inlawrev-3746	140	12	especially	especially	ADV
inlawrev-3746	140	13	when	when	SCONJ
inlawrev-3746	140	14	the	the	DET
inlawrev-3746	140	15	value	value	NOUN
inlawrev-3746	140	16	of	of	ADP
inlawrev-3746	140	17	the	the	DET
inlawrev-3746	140	18	mortgaged	mortgage	VERB
inlawrev-3746	140	19	land	land	NOUN
inlawrev-3746	140	20	exceeded	exceed	VERB
inlawrev-3746	140	21	the	the	DET
inlawrev-3746	140	22	debt	debt	NOUN
inlawrev-3746	140	23	owed	owe	VERB
inlawrev-3746	140	24	by	by	ADP
inlawrev-3746	140	25	the	the	DET
inlawrev-3746	140	26	mortgagor	mortgagor	NOUN
inlawrev-3746	140	27	.	.	PUNCT
inlawrev-3746	141	1	georgina	georgina	PROPN
inlawrev-3746	141	2	w.	w.	PROPN
inlawrev-3746	141	3	kwan	kwan	PROPN
inlawrev-3746	141	4	,	,	PUNCT
inlawrev-3746	141	5	comment	comment	NOUN
inlawrev-3746	141	6	,	,	PUNCT
inlawrev-3746	141	7	mortgagorprotection	mortgagorprotection	NOUN
inlawrev-3746	141	8	laws	law	NOUN
inlawrev-3746	141	9	:	:	PUNCT
inlawrev-3746	141	10	a	a	DET
inlawrev-3746	141	11	proposalformortgageforeclosure	proposalformortgageforeclosure	NOUN
inlawrev-3746	141	12	reform	reform	NOUN
inlawrev-3746	141	13	in	in	ADP
inlawrev-3746	141	14	hawai	hawai	PROPN
inlawrev-3746	141	15	'	'	PROPN
inlawrev-3746	141	16	i	i	PRON
inlawrev-3746	141	17	,	,	PUNCT
inlawrev-3746	141	18	24	24	NUM
inlawrev-3746	141	19	u.	u.	PROPN
inlawrev-3746	141	20	haw	haw	PROPN
inlawrev-3746	141	21	.	.	PUNCT
inlawrev-3746	142	1	l.	l.	PROPN
inlawrev-3746	142	2	rev	rev	PROPN
inlawrev-3746	142	3	.	.	PROPN
inlawrev-3746	142	4	245	245	NUM
inlawrev-3746	142	5	,	,	PUNCT
inlawrev-3746	142	6	248	248	NUM
inlawrev-3746	142	7	-	-	SYM
inlawrev-3746	142	8	49	49	NUM
inlawrev-3746	142	9	(	(	PUNCT
inlawrev-3746	142	10	2001	2001	NUM
inlawrev-3746	142	11	)	)	PUNCT
inlawrev-3746	142	12	.	.	PUNCT
inlawrev-3746	143	1	currently	currently	ADV
inlawrev-3746	143	2	,	,	PUNCT
inlawrev-3746	143	3	only	only	ADV
inlawrev-3746	143	4	connecticut	connecticut	PROPN
inlawrev-3746	143	5	,	,	PUNCT
inlawrev-3746	143	6	illinois	illinois	PROPN
inlawrev-3746	143	7	,	,	PUNCT
inlawrev-3746	143	8	and	and	CCONJ
inlawrev-3746	143	9	vermont	vermont	PROPN
inlawrev-3746	143	10	allow	allow	VERB
inlawrev-3746	143	11	strict	strict	ADJ
inlawrev-3746	143	12	foreclosure	foreclosure	NOUN
inlawrev-3746	143	13	,	,	PUNCT
inlawrev-3746	143	14	and	and	CCONJ
inlawrev-3746	143	15	the	the	DET
inlawrev-3746	143	16	requirements	requirement	NOUN
inlawrev-3746	143	17	for	for	ADP
inlawrev-3746	143	18	each	each	DET
inlawrev-3746	143	19	state	state	NOUN
inlawrev-3746	143	20	differ	differ	VERB
inlawrev-3746	143	21	.	.	PUNCT
inlawrev-3746	144	1	see	see	VERB
inlawrev-3746	144	2	generally	generally	ADV
inlawrev-3746	144	3	conn	conn	PROPN
inlawrev-3746	144	4	.	.	PUNCT
inlawrev-3746	145	1	gen	gen	PROPN
inlawrev-3746	145	2	.	.	PROPN
inlawrev-3746	145	3	stat	stat	PROPN
inlawrev-3746	145	4	.	.	PUNCT
inlawrev-3746	146	1	§	§	PROPN
inlawrev-3746	146	2	49	49	NUM
inlawrev-3746	146	3	-	-	SYM
inlawrev-3746	146	4	15	15	NUM
inlawrev-3746	146	5	(	(	PUNCT
inlawrev-3746	146	6	1998	1998	NUM
inlawrev-3746	146	7	)	)	PUNCT
inlawrev-3746	146	8	;	;	PUNCT
inlawrev-3746	146	9	735	735	NUM
inlawrev-3746	146	10	iii	iii	NOUN
inlawrev-3746	146	11	.	.	PUNCT
inlawrev-3746	146	12	comp	comp	PROPN
inlawrev-3746	146	13	.	.	PUNCT
inlawrev-3746	146	14	stat	stat	PROPN
inlawrev-3746	146	15	.	.	PUNCT
inlawrev-3746	147	1	5/15	5/15	NUM
inlawrev-3746	147	2	-	-	SYM
inlawrev-3746	147	3	1403	1403	NUM
inlawrev-3746	147	4	(	(	PUNCT
inlawrev-3746	147	5	2004	2004	NUM
inlawrev-3746	147	6	)	)	PUNCT
inlawrev-3746	147	7	;	;	PUNCT
inlawrev-3746	147	8	vt	vt	PROPN
inlawrev-3746	147	9	.	.	PROPN
inlawrev-3746	147	10	stat	stat	PROPN
inlawrev-3746	147	11	.	.	PUNCT
inlawrev-3746	148	1	ann	ann	PROPN
inlawrev-3746	148	2	.	.	PUNCT
inlawrev-3746	149	1	tit	tit	PROPN
inlawrev-3746	149	2	.	.	PROPN
inlawrev-3746	150	1	12	12	NUM
inlawrev-3746	150	2	,	,	PUNCT
inlawrev-3746	150	3	§	§	NOUN
inlawrev-3746	150	4	4531(2002	4531(2002	NOUN
inlawrev-3746	150	5	)	)	PUNCT
inlawrev-3746	150	6	.	.	PUNCT
inlawrev-3746	151	1	92	92	NUM
inlawrev-3746	151	2	indiana	indiana	PROPN
inlawrev-3746	151	3	law	law	NOUN
inlawrev-3746	151	4	review	review	NOUN
inlawrev-3746	151	5	[	[	X
inlawrev-3746	151	6	vol	vol	NOUN
inlawrev-3746	151	7	.	.	PUNCT
inlawrev-3746	151	8	39:87	39:87	NUM
inlawrev-3746	151	9	because	because	SCONJ
inlawrev-3746	151	10	many	many	ADJ
inlawrev-3746	151	11	homeowners	homeowner	NOUN
inlawrev-3746	151	12	are	be	AUX
inlawrev-3746	151	13	not	not	PART
inlawrev-3746	151	14	aware	aware	ADJ
inlawrev-3746	151	15	they	they	PRON
inlawrev-3746	151	16	are	be	AUX
inlawrev-3746	151	17	in	in	ADP
inlawrev-3746	151	18	default	default	NOUN
inlawrev-3746	151	19	until	until	SCONJ
inlawrev-3746	151	20	they	they	PRON
inlawrev-3746	151	21	receive	receive	VERB
inlawrev-3746	151	22	such	such	ADJ
inlawrev-3746	151	23	notice	notice	NOUN
inlawrev-3746	151	24	,	,	PUNCT
inlawrev-3746	151	25	allowing	allow	VERB
inlawrev-3746	151	26	them	they	PRON
inlawrev-3746	151	27	to	to	PART
inlawrev-3746	151	28	cure	cure	VERB
inlawrev-3746	151	29	the	the	DET
inlawrev-3746	151	30	default	default	NOUN
inlawrev-3746	151	31	at	at	ADP
inlawrev-3746	151	32	that	that	DET
inlawrev-3746	151	33	time	time	NOUN
inlawrev-3746	151	34	.	.	PUNCT
inlawrev-3746	152	1	finally	finally	ADV
inlawrev-3746	152	2	,	,	PUNCT
inlawrev-3746	152	3	some	some	DET
inlawrev-3746	152	4	states	state	NOUN
inlawrev-3746	152	5	grant	grant	VERB
inlawrev-3746	152	6	homeowners	homeowner	NOUN
inlawrev-3746	152	7	a	a	DET
inlawrev-3746	152	8	right	right	NOUN
inlawrev-3746	152	9	of	of	ADP
inlawrev-3746	152	10	redemption	redemption	NOUN
inlawrev-3746	152	11	,	,	PUNCT
inlawrev-3746	152	12	while	while	SCONJ
inlawrev-3746	152	13	others	other	NOUN
inlawrev-3746	152	14	limit	limit	VERB
inlawrev-3746	152	15	or	or	CCONJ
inlawrev-3746	152	16	remove	remove	VERB
inlawrev-3746	152	17	the	the	DET
inlawrev-3746	152	18	right	right	NOUN
inlawrev-3746	152	19	.	.	PUNCT
inlawrev-3746	153	1	29	29	NUM
inlawrev-3746	153	2	statutory	statutory	ADJ
inlawrev-3746	153	3	rights	right	NOUN
inlawrev-3746	153	4	of	of	ADP
inlawrev-3746	153	5	redemption	redemption	NOUN
inlawrev-3746	153	6	grant	grant	NOUN
inlawrev-3746	153	7	mortgagors	mortgagor	NOUN
inlawrev-3746	153	8	a	a	DET
inlawrev-3746	153	9	period	period	NOUN
inlawrev-3746	153	10	oftime	oftime	NOUN
inlawrev-3746	153	11	after	after	ADP
inlawrev-3746	153	12	a	a	DET
inlawrev-3746	153	13	foreclosure	foreclosure	NOUN
inlawrev-3746	153	14	in	in	ADP
inlawrev-3746	153	15	which	which	PRON
inlawrev-3746	153	16	they	they	PRON
inlawrev-3746	153	17	may	may	AUX
inlawrev-3746	153	18	reclaim	reclaim	VERB
inlawrev-3746	153	19	the	the	DET
inlawrev-3746	153	20	property	property	NOUN
inlawrev-3746	153	21	through	through	ADP
inlawrev-3746	153	22	payment	payment	NOUN
inlawrev-3746	153	23	of	of	ADP
inlawrev-3746	153	24	the	the	DET
inlawrev-3746	153	25	foreclosure	foreclosure	NOUN
inlawrev-3746	153	26	sale	sale	NOUN
inlawrev-3746	153	27	price	price	NOUN
inlawrev-3746	153	28	or	or	CCONJ
inlawrev-3746	153	29	delinquent	delinquent	ADJ
inlawrev-3746	153	30	amount.30	amount.30	NOUN
inlawrev-3746	153	31	these	these	DET
inlawrev-3746	153	32	different	different	ADJ
inlawrev-3746	153	33	combinations	combination	NOUN
inlawrev-3746	153	34	shift	shift	VERB
inlawrev-3746	153	35	the	the	DET
inlawrev-3746	153	36	balance	balance	NOUN
inlawrev-3746	153	37	between	between	ADP
inlawrev-3746	153	38	being	be	AUX
inlawrev-3746	153	39	considered	consider	VERB
inlawrev-3746	153	40	a	a	DET
inlawrev-3746	153	41	creditor	creditor	NOUN
inlawrev-3746	153	42	-	-	PUNCT
inlawrev-3746	153	43	friendly	friendly	ADJ
inlawrev-3746	153	44	or	or	CCONJ
inlawrev-3746	153	45	a	a	DET
inlawrev-3746	153	46	lender	lender	NOUN
inlawrev-3746	153	47	-	-	PUNCT
inlawrev-3746	153	48	friendly	friendly	ADJ
inlawrev-3746	153	49	state	state	NOUN
inlawrev-3746	153	50	and	and	CCONJ
inlawrev-3746	153	51	affect	affect	VERB
inlawrev-3746	153	52	the	the	DET
inlawrev-3746	153	53	number	number	NOUN
inlawrev-3746	153	54	and	and	CCONJ
inlawrev-3746	153	55	efficiency	efficiency	NOUN
inlawrev-3746	153	56	offoreclosures	offoreclosure	NOUN
inlawrev-3746	153	57	in	in	ADP
inlawrev-3746	153	58	the	the	DET
inlawrev-3746	153	59	state	state	NOUN
inlawrev-3746	153	60	.	.	PUNCT
inlawrev-3746	154	1	a.	a.	PROPN
inlawrev-3746	154	2	indiana	indiana	PROPN
inlawrev-3746	154	3	foreclosure	foreclosure	PROPN
inlawrev-3746	154	4	law	law	PROPN
inlawrev-3746	154	5	indiana	indiana	PROPN
inlawrev-3746	154	6	's	's	PART
inlawrev-3746	154	7	statutory	statutory	ADJ
inlawrev-3746	154	8	framework	framework	NOUN
inlawrev-3746	154	9	for	for	ADP
inlawrev-3746	154	10	the	the	DET
inlawrev-3746	154	11	foreclosure	foreclosure	NOUN
inlawrev-3746	154	12	process	process	NOUN
inlawrev-3746	154	13	affects	affect	VERB
inlawrev-3746	154	14	its	its	PRON
inlawrev-3746	154	15	abnormally	abnormally	ADV
inlawrev-3746	154	16	high	high	ADJ
inlawrev-3746	154	17	foreclosure	foreclosure	NOUN
inlawrev-3746	154	18	rates	rate	NOUN
inlawrev-3746	154	19	.	.	PUNCT
inlawrev-3746	155	1	before	before	ADP
inlawrev-3746	155	2	drawing	draw	VERB
inlawrev-3746	155	3	comparisons	comparison	NOUN
inlawrev-3746	155	4	between	between	ADP
inlawrev-3746	155	5	indiana	indiana	PROPN
inlawrev-3746	155	6	's	's	PART
inlawrev-3746	155	7	laws	law	NOUN
inlawrev-3746	155	8	and	and	CCONJ
inlawrev-3746	155	9	those	those	PRON
inlawrev-3746	155	10	of	of	ADP
inlawrev-3746	155	11	other	other	ADJ
inlawrev-3746	155	12	states	state	NOUN
inlawrev-3746	155	13	and	and	CCONJ
inlawrev-3746	155	14	finding	find	VERB
inlawrev-3746	155	15	possible	possible	ADJ
inlawrev-3746	155	16	nexuses	nexus	NOUN
inlawrev-3746	155	17	between	between	ADP
inlawrev-3746	155	18	certain	certain	ADJ
inlawrev-3746	155	19	rules	rule	NOUN
inlawrev-3746	155	20	and	and	CCONJ
inlawrev-3746	155	21	higher	high	ADJ
inlawrev-3746	155	22	occurrences	occurrence	NOUN
inlawrev-3746	155	23	offoreclosures	offoreclosure	NOUN
inlawrev-3746	155	24	,	,	PUNCT
inlawrev-3746	155	25	it	it	PRON
inlawrev-3746	155	26	is	be	AUX
inlawrev-3746	155	27	important	important	ADJ
inlawrev-3746	155	28	to	to	PART
inlawrev-3746	155	29	understand	understand	VERB
inlawrev-3746	155	30	how	how	SCONJ
inlawrev-3746	155	31	indiana	indiana	PROPN
inlawrev-3746	155	32	deals	deal	VERB
inlawrev-3746	155	33	with	with	ADP
inlawrev-3746	155	34	these	these	DET
inlawrev-3746	155	35	events	event	NOUN
inlawrev-3746	155	36	.	.	PUNCT
inlawrev-3746	156	1	surprisingly	surprisingly	ADV
inlawrev-3746	156	2	,	,	PUNCT
inlawrev-3746	156	3	even	even	ADV
inlawrev-3746	156	4	though	though	SCONJ
inlawrev-3746	156	5	indiana	indiana	PROPN
inlawrev-3746	156	6	consistently	consistently	ADV
inlawrev-3746	156	7	has	have	VERB
inlawrev-3746	156	8	high	high	ADJ
inlawrev-3746	156	9	foreclosure	foreclosure	NOUN
inlawrev-3746	156	10	rates	rate	NOUN
inlawrev-3746	156	11	,	,	PUNCT
inlawrev-3746	156	12	its	its	PRON
inlawrev-3746	156	13	foreclosure	foreclosure	NOUN
inlawrev-3746	156	14	laws	law	NOUN
inlawrev-3746	156	15	tend	tend	VERB
inlawrev-3746	156	16	to	to	PART
inlawrev-3746	156	17	favor	favor	VERB
inlawrev-3746	156	18	borrower	borrower	NOUN
inlawrev-3746	156	19	-	-	PUNCT
inlawrev-3746	156	20	mortgagors	mortgagor	NOUN
inlawrev-3746	156	21	over	over	ADP
inlawrev-3746	156	22	lender	lender	NOUN
inlawrev-3746	156	23	-	-	PUNCT
inlawrev-3746	156	24	mortgagees	mortgagee	NOUN
inlawrev-3746	156	25	.	.	PUNCT
inlawrev-3746	157	1	as	as	ADP
inlawrev-3746	157	2	with	with	ADP
inlawrev-3746	157	3	all	all	DET
inlawrev-3746	157	4	other	other	ADJ
inlawrev-3746	157	5	states	state	NOUN
inlawrev-3746	157	6	,	,	PUNCT
inlawrev-3746	157	7	indiana	indiana	PROPN
inlawrev-3746	157	8	allowsjudicial	allowsjudicial	PROPN
inlawrev-3746	157	9	foreclosure	foreclosure	PROPN
inlawrev-3746	157	10	,	,	PUNCT
inlawrev-3746	157	11	but	but	CCONJ
inlawrev-3746	157	12	indiana	indiana	PROPN
inlawrev-3746	157	13	does	do	AUX
inlawrev-3746	157	14	not	not	PART
inlawrev-3746	157	15	permit	permit	VERB
inlawrev-3746	157	16	power	power	NOUN
inlawrev-3746	157	17	-	-	PUNCT
inlawrev-3746	157	18	of	of	ADP
inlawrev-3746	157	19	-	-	PUNCT
inlawrev-3746	157	20	sale	sale	NOUN
inlawrev-3746	157	21	foreclosure	foreclosure	NOUN
inlawrev-3746	157	22	.	.	PUNCT
inlawrev-3746	158	1	31	31	NUM
inlawrev-3746	158	2	if	if	SCONJ
inlawrev-3746	158	3	the	the	DET
inlawrev-3746	158	4	court	court	NOUN
inlawrev-3746	158	5	finds	find	VERB
inlawrev-3746	158	6	in	in	ADP
inlawrev-3746	158	7	favor	favor	NOUN
inlawrev-3746	158	8	of	of	ADP
inlawrev-3746	158	9	the	the	DET
inlawrev-3746	158	10	mortgagee	mortgagee	PROPN
inlawrev-3746	158	11	,	,	PUNCT
inlawrev-3746	158	12	indiana	indiana	PROPN
inlawrev-3746	158	13	code	code	PROPN
inlawrev-3746	158	14	section	section	NOUN
inlawrev-3746	158	15	32	32	NUM
inlawrev-3746	158	16	-	-	SYM
inlawrev-3746	158	17	29	29	NUM
inlawrev-3746	158	18	-	-	SYM
inlawrev-3746	158	19	7	7	NUM
inlawrev-3746	158	20	governs	govern	VERB
inlawrev-3746	158	21	the	the	DET
inlawrev-3746	158	22	sale	sale	NOUN
inlawrev-3746	158	23	ofthe	ofthe	NOUN
inlawrev-3746	158	24	property	property	NOUN
inlawrev-3746	158	25	through	through	ADP
inlawrev-3746	158	26	judicial	judicial	ADJ
inlawrev-3746	158	27	foreclosure	foreclosure	NOUN
inlawrev-3746	158	28	in	in	ADP
inlawrev-3746	158	29	the	the	DET
inlawrev-3746	158	30	state	state	NOUN
inlawrev-3746	158	31	.	.	PUNCT
inlawrev-3746	158	32	32	32	NUM
inlawrev-3746	158	33	because	because	SCONJ
inlawrev-3746	158	34	mortgagees	mortgagee	NOUN
inlawrev-3746	158	35	are	be	AUX
inlawrev-3746	158	36	not	not	PART
inlawrev-3746	158	37	able	able	ADJ
inlawrev-3746	158	38	to	to	PART
inlawrev-3746	158	39	sell	sell	VERB
inlawrev-3746	158	40	29	29	NUM
inlawrev-3746	158	41	.	.	PUNCT
inlawrev-3746	159	1	all	all	DET
inlawrev-3746	159	2	states	state	NOUN
inlawrev-3746	159	3	give	give	VERB
inlawrev-3746	159	4	borrowers	borrower	NOUN
inlawrev-3746	159	5	an	an	DET
inlawrev-3746	159	6	equity	equity	NOUN
inlawrev-3746	159	7	right	right	ADJ
inlawrev-3746	159	8	ofredemption	ofredemption	NOUN
inlawrev-3746	159	9	,	,	PUNCT
inlawrev-3746	159	10	which	which	PRON
inlawrev-3746	159	11	developed	develop	VERB
inlawrev-3746	159	12	from	from	ADP
inlawrev-3746	159	13	common	common	ADJ
inlawrev-3746	159	14	law	law	NOUN
inlawrev-3746	159	15	.	.	PUNCT
inlawrev-3746	160	1	however	however	ADV
inlawrev-3746	160	2	,	,	PUNCT
inlawrev-3746	160	3	this	this	PRON
inlawrev-3746	160	4	equitable	equitable	ADJ
inlawrev-3746	160	5	right	right	ADJ
inlawrev-3746	160	6	expires	expire	VERB
inlawrev-3746	160	7	at	at	ADP
inlawrev-3746	160	8	the	the	DET
inlawrev-3746	160	9	time	time	NOUN
inlawrev-3746	160	10	of	of	ADP
inlawrev-3746	160	11	foreclosure	foreclosure	NOUN
inlawrev-3746	160	12	.	.	PUNCT
inlawrev-3746	161	1	therefore	therefore	ADV
inlawrev-3746	161	2	,	,	PUNCT
inlawrev-3746	161	3	some	some	DET
inlawrev-3746	161	4	states	state	NOUN
inlawrev-3746	161	5	offer	offer	VERB
inlawrev-3746	161	6	additional	additional	ADJ
inlawrev-3746	161	7	statutory	statutory	ADJ
inlawrev-3746	161	8	rights	right	NOUN
inlawrev-3746	161	9	of	of	ADP
inlawrev-3746	161	10	redemption	redemption	NOUN
inlawrev-3746	161	11	to	to	ADP
inlawrev-3746	161	12	a	a	DET
inlawrev-3746	161	13	varying	vary	VERB
inlawrev-3746	161	14	extent	extent	NOUN
inlawrev-3746	161	15	after	after	SCONJ
inlawrev-3746	161	16	foreclosure	foreclosure	NOUN
inlawrev-3746	161	17	is	be	AUX
inlawrev-3746	161	18	completed	complete	VERB
inlawrev-3746	161	19	.	.	PUNCT
inlawrev-3746	162	1	currently	currently	ADV
inlawrev-3746	162	2	,	,	PUNCT
inlawrev-3746	162	3	the	the	DET
inlawrev-3746	162	4	following	follow	VERB
inlawrev-3746	162	5	states	state	NOUN
inlawrev-3746	162	6	grant	grant	VERB
inlawrev-3746	162	7	a	a	DET
inlawrev-3746	162	8	statutory	statutory	ADJ
inlawrev-3746	162	9	right	right	ADJ
inlawrev-3746	162	10	ofredemption	ofredemption	NOUN
inlawrev-3746	162	11	in	in	ADP
inlawrev-3746	162	12	some	some	DET
inlawrev-3746	162	13	form	form	NOUN
inlawrev-3746	162	14	:	:	PUNCT
inlawrev-3746	162	15	alabama	alabama	PROPN
inlawrev-3746	162	16	,	,	PUNCT
inlawrev-3746	162	17	alaska	alaska	PROPN
inlawrev-3746	162	18	,	,	PUNCT
inlawrev-3746	162	19	arkansas	arkansas	PROPN
inlawrev-3746	162	20	,	,	PUNCT
inlawrev-3746	162	21	california	california	PROPN
inlawrev-3746	162	22	,	,	PUNCT
inlawrev-3746	162	23	colorado	colorado	PROPN
inlawrev-3746	162	24	,	,	PUNCT
inlawrev-3746	162	25	idaho	idaho	PROPN
inlawrev-3746	162	26	,	,	PUNCT
inlawrev-3746	162	27	illinois	illinois	PROPN
inlawrev-3746	162	28	,	,	PUNCT
inlawrev-3746	162	29	iowa	iowa	PROPN
inlawrev-3746	162	30	,	,	PUNCT
inlawrev-3746	162	31	kansas	kansas	PROPN
inlawrev-3746	162	32	,	,	PUNCT
inlawrev-3746	162	33	kentucky	kentucky	PROPN
inlawrev-3746	162	34	,	,	PUNCT
inlawrev-3746	162	35	maine	maine	PROPN
inlawrev-3746	162	36	,	,	PUNCT
inlawrev-3746	162	37	massachusetts	massachusetts	PROPN
inlawrev-3746	162	38	,	,	PUNCT
inlawrev-3746	162	39	michigan	michigan	PROPN
inlawrev-3746	162	40	,	,	PUNCT
inlawrev-3746	162	41	minnesota	minnesota	PROPN
inlawrev-3746	162	42	,	,	PUNCT
inlawrev-3746	162	43	mississippi	mississippi	PROPN
inlawrev-3746	162	44	,	,	PUNCT
inlawrev-3746	162	45	missouri	missouri	PROPN
inlawrev-3746	162	46	,	,	PUNCT
inlawrev-3746	162	47	nevada	nevada	PROPN
inlawrev-3746	162	48	,	,	PUNCT
inlawrev-3746	162	49	new	new	PROPN
inlawrev-3746	162	50	hampshire	hampshire	PROPN
inlawrev-3746	162	51	,	,	PUNCT
inlawrev-3746	162	52	new	new	PROPN
inlawrev-3746	162	53	jersey	jersey	PROPN
inlawrev-3746	162	54	,	,	PUNCT
inlawrev-3746	162	55	new	new	PROPN
inlawrev-3746	162	56	mexico	mexico	PROPN
inlawrev-3746	162	57	,	,	PUNCT
inlawrev-3746	162	58	north	north	PROPN
inlawrev-3746	162	59	carolina	carolina	PROPN
inlawrev-3746	162	60	,	,	PUNCT
inlawrev-3746	162	61	north	north	NOUN
inlawrev-3746	162	62	dakota	dakota	PROPN
inlawrev-3746	162	63	,	,	PUNCT
inlawrev-3746	162	64	oregon	oregon	PROPN
inlawrev-3746	162	65	,	,	PUNCT
inlawrev-3746	162	66	rhode	rhode	PROPN
inlawrev-3746	162	67	island	island	NOUN
inlawrev-3746	162	68	,	,	PUNCT
inlawrev-3746	162	69	south	south	PROPN
inlawrev-3746	162	70	dakota	dakota	PROPN
inlawrev-3746	162	71	,	,	PUNCT
inlawrev-3746	162	72	tennessee	tennessee	PROPN
inlawrev-3746	162	73	,	,	PUNCT
inlawrev-3746	162	74	vermont	vermont	PROPN
inlawrev-3746	162	75	,	,	PUNCT
inlawrev-3746	162	76	virginia	virginia	PROPN
inlawrev-3746	162	77	,	,	PUNCT
inlawrev-3746	162	78	washington	washington	PROPN
inlawrev-3746	162	79	,	,	PUNCT
inlawrev-3746	162	80	west	west	PROPN
inlawrev-3746	162	81	virginia	virginia	PROPN
inlawrev-3746	162	82	,	,	PUNCT
inlawrev-3746	162	83	wisconsin	wisconsin	PROPN
inlawrev-3746	162	84	,	,	PUNCT
inlawrev-3746	162	85	and	and	CCONJ
inlawrev-3746	162	86	wyoming	wyoming	PROPN
inlawrev-3746	162	87	.	.	PUNCT
inlawrev-3746	163	1	pence	pence	PROPN
inlawrev-3746	163	2	,	,	PUNCT
inlawrev-3746	163	3	supra	supra	PROPN
inlawrev-3746	163	4	note	note	NOUN
inlawrev-3746	163	5	5	5	NUM
inlawrev-3746	163	6	,	,	PUNCT
inlawrev-3746	163	7	at	at	ADP
inlawrev-3746	163	8	3	3	NUM
inlawrev-3746	163	9	.	.	NOUN
inlawrev-3746	163	10	30	30	NUM
inlawrev-3746	163	11	.	.	PUNCT
inlawrev-3746	164	1	these	these	DET
inlawrev-3746	164	2	redemption	redemption	NOUN
inlawrev-3746	164	3	laws	law	NOUN
inlawrev-3746	164	4	are	be	AUX
inlawrev-3746	164	5	designed	design	VERB
inlawrev-3746	164	6	to	to	PART
inlawrev-3746	164	7	protect	protect	VERB
inlawrev-3746	164	8	against	against	ADP
inlawrev-3746	164	9	sales	sale	NOUN
inlawrev-3746	164	10	ofthe	ofthe	ADJ
inlawrev-3746	164	11	property	property	NOUN
inlawrev-3746	164	12	in	in	ADP
inlawrev-3746	164	13	question	question	NOUN
inlawrev-3746	164	14	at	at	ADP
inlawrev-3746	164	15	a	a	DET
inlawrev-3746	164	16	price	price	NOUN
inlawrev-3746	164	17	far	far	ADV
inlawrev-3746	164	18	below	below	ADP
inlawrev-3746	164	19	its	its	PRON
inlawrev-3746	164	20	actual	actual	ADJ
inlawrev-3746	164	21	value	value	NOUN
inlawrev-3746	164	22	and	and	CCONJ
inlawrev-3746	164	23	give	give	VERB
inlawrev-3746	164	24	more	more	ADJ
inlawrev-3746	164	25	time	time	NOUN
inlawrev-3746	164	26	to	to	PART
inlawrev-3746	164	27	allow	allow	VERB
inlawrev-3746	164	28	the	the	DET
inlawrev-3746	164	29	mortgagor	mortgagor	NOUN
inlawrev-3746	164	30	to	to	PART
inlawrev-3746	164	31	obtain	obtain	VERB
inlawrev-3746	164	32	necessary	necessary	ADJ
inlawrev-3746	164	33	funds	fund	NOUN
inlawrev-3746	164	34	to	to	PART
inlawrev-3746	164	35	retain	retain	VERB
inlawrev-3746	164	36	the	the	DET
inlawrev-3746	164	37	land	land	NOUN
inlawrev-3746	164	38	.	.	PUNCT
inlawrev-3746	165	1	these	these	DET
inlawrev-3746	165	2	statutes	statute	NOUN
inlawrev-3746	165	3	often	often	ADV
inlawrev-3746	165	4	vary	vary	VERB
inlawrev-3746	165	5	in	in	ADP
inlawrev-3746	165	6	the	the	DET
inlawrev-3746	165	7	time	time	NOUN
inlawrev-3746	165	8	period	period	NOUN
inlawrev-3746	165	9	allowed	allow	VERB
inlawrev-3746	165	10	for	for	ADP
inlawrev-3746	165	11	redemption	redemption	NOUN
inlawrev-3746	165	12	and	and	CCONJ
inlawrev-3746	165	13	whether	whether	SCONJ
inlawrev-3746	165	14	they	they	PRON
inlawrev-3746	165	15	even	even	ADV
inlawrev-3746	165	16	apply	apply	VERB
inlawrev-3746	165	17	to	to	ADP
inlawrev-3746	165	18	nonjudicial	nonjudicial	ADJ
inlawrev-3746	165	19	foreclosures	foreclosure	NOUN
inlawrev-3746	165	20	.	.	PUNCT
inlawrev-3746	166	1	redemption	redemption	NOUN
inlawrev-3746	166	2	statutes	statute	NOUN
inlawrev-3746	166	3	often	often	ADV
inlawrev-3746	166	4	come	come	VERB
inlawrev-3746	166	5	under	under	ADP
inlawrev-3746	166	6	fire	fire	NOUN
inlawrev-3746	166	7	because	because	SCONJ
inlawrev-3746	166	8	many	many	ADJ
inlawrev-3746	166	9	believe	believe	VERB
inlawrev-3746	166	10	they	they	PRON
inlawrev-3746	166	11	do	do	AUX
inlawrev-3746	166	12	not	not	PART
inlawrev-3746	166	13	protect	protect	VERB
inlawrev-3746	166	14	against	against	ADP
inlawrev-3746	166	15	underbidding	underbid	VERB
inlawrev-3746	166	16	.	.	PUNCT
inlawrev-3746	167	1	the	the	DET
inlawrev-3746	167	2	purchaser	purchaser	NOUN
inlawrev-3746	167	3	must	must	AUX
inlawrev-3746	167	4	wait	wait	VERB
inlawrev-3746	167	5	for	for	ADP
inlawrev-3746	167	6	the	the	DET
inlawrev-3746	167	7	statutory	statutory	ADJ
inlawrev-3746	167	8	time	time	NOUN
inlawrev-3746	167	9	to	to	PART
inlawrev-3746	167	10	ensure	ensure	VERB
inlawrev-3746	167	11	they	they	PRON
inlawrev-3746	167	12	actually	actually	ADV
inlawrev-3746	167	13	own	own	VERB
inlawrev-3746	167	14	the	the	DET
inlawrev-3746	167	15	property	property	NOUN
inlawrev-3746	167	16	,	,	PUNCT
inlawrev-3746	167	17	so	so	CCONJ
inlawrev-3746	167	18	it	it	PRON
inlawrev-3746	167	19	reduces	reduce	VERB
inlawrev-3746	167	20	the	the	DET
inlawrev-3746	167	21	price	price	NOUN
inlawrev-3746	167	22	they	they	PRON
inlawrev-3746	167	23	are	be	AUX
inlawrev-3746	167	24	willing	willing	ADJ
inlawrev-3746	167	25	to	to	PART
inlawrev-3746	167	26	pay	pay	VERB
inlawrev-3746	167	27	.	.	PUNCT
inlawrev-3746	168	1	see	see	VERB
inlawrev-3746	168	2	bruce	bruce	PROPN
inlawrev-3746	168	3	,	,	PUNCT
inlawrev-3746	168	4	supra	supra	PROPN
inlawrev-3746	168	5	note	note	PROPN
inlawrev-3746	168	6	25	25	NUM
inlawrev-3746	168	7	,	,	PUNCT
inlawrev-3746	168	8	at	at	ADP
inlawrev-3746	168	9	215	215	NUM
inlawrev-3746	168	10	.	.	PUNCT
inlawrev-3746	169	1	currently	currently	ADV
inlawrev-3746	169	2	,	,	PUNCT
inlawrev-3746	169	3	there	there	PRON
inlawrev-3746	169	4	are	be	VERB
inlawrev-3746	169	5	only	only	ADV
inlawrev-3746	169	6	eight	eight	NUM
inlawrev-3746	169	7	states	state	NOUN
inlawrev-3746	169	8	that	that	SCONJ
inlawrev-3746	169	9	absolutely	absolutely	ADV
inlawrev-3746	169	10	disallow	disallow	ADJ
inlawrev-3746	169	11	redemption	redemption	NOUN
inlawrev-3746	169	12	rights	right	NOUN
inlawrev-3746	169	13	:	:	PUNCT
inlawrev-3746	169	14	arizona	arizona	PROPN
inlawrev-3746	169	15	,	,	PUNCT
inlawrev-3746	169	16	hawaii	hawaii	PROPN
inlawrev-3746	169	17	,	,	PUNCT
inlawrev-3746	169	18	louisiana	louisiana	PROPN
inlawrev-3746	169	19	,	,	PUNCT
inlawrev-3746	169	20	montana	montana	PROPN
inlawrev-3746	169	21	,	,	PUNCT
inlawrev-3746	169	22	new	new	PROPN
inlawrev-3746	169	23	york	york	PROPN
inlawrev-3746	169	24	,	,	PUNCT
inlawrev-3746	169	25	pennsylvania	pennsylvania	PROPN
inlawrev-3746	169	26	,	,	PUNCT
inlawrev-3746	169	27	south	south	PROPN
inlawrev-3746	169	28	carolina	carolina	PROPN
inlawrev-3746	169	29	,	,	PUNCT
inlawrev-3746	169	30	and	and	CCONJ
inlawrev-3746	169	31	texas	texas	PROPN
inlawrev-3746	169	32	.	.	PUNCT
inlawrev-3746	170	1	3	3	NUM
inlawrev-3746	170	2	1	1	NUM
inlawrev-3746	170	3	.	.	PUNCT
inlawrev-3746	171	1	pursuant	pursuant	ADJ
inlawrev-3746	171	2	to	to	ADP
inlawrev-3746	171	3	indiana	indiana	PROPN
inlawrev-3746	171	4	statute	statute	PROPN
inlawrev-3746	171	5	,	,	PUNCT
inlawrev-3746	171	6	"	"	PUNCT
inlawrev-3746	171	7	[	[	X
inlawrev-3746	171	8	t]he	t]he	X
inlawrev-3746	171	9	sale	sale	NOUN
inlawrev-3746	171	10	ofmortgaged	ofmortgage	VERB
inlawrev-3746	171	11	property	property	NOUN
inlawrev-3746	171	12	by	by	ADP
inlawrev-3746	171	13	the	the	DET
inlawrev-3746	171	14	mortgagee	mortgagee	NOUN
inlawrev-3746	171	15	may	may	AUX
inlawrev-3746	171	16	only	only	ADV
inlawrev-3746	171	17	be	be	AUX
inlawrev-3746	171	18	made	make	VERB
inlawrev-3746	171	19	under	under	ADP
inlawrev-3746	171	20	a	a	DET
inlawrev-3746	171	21	judicial	judicial	ADJ
inlawrev-3746	171	22	proceeding	proceeding	NOUN
inlawrev-3746	171	23	.	.	PUNCT
inlawrev-3746	171	24	"	"	PUNCT
inlawrev-3746	172	1	ind	ind	PROPN
inlawrev-3746	172	2	.	.	PUNCT
inlawrev-3746	172	3	code	code	PROPN
inlawrev-3746	172	4	§	§	PROPN
inlawrev-3746	172	5	32	32	NUM
inlawrev-3746	172	6	-	-	SYM
inlawrev-3746	172	7	29	29	NUM
inlawrev-3746	172	8	-	-	PUNCT
inlawrev-3746	172	9	1	1	NUM
inlawrev-3746	172	10	-	-	SYM
inlawrev-3746	172	11	3	3	NUM
inlawrev-3746	172	12	(	(	PUNCT
inlawrev-3746	172	13	2002	2002	NUM
inlawrev-3746	172	14	)	)	PUNCT
inlawrev-3746	172	15	.	.	PUNCT
inlawrev-3746	173	1	32	32	NUM
inlawrev-3746	173	2	.	.	PUNCT
inlawrev-3746	174	1	court	court	NOUN
inlawrev-3746	174	2	orders	order	NOUN
inlawrev-3746	174	3	to	to	PART
inlawrev-3746	174	4	file	file	VERB
inlawrev-3746	174	5	a	a	DET
inlawrev-3746	174	6	sheriffs	sheriff	NOUN
inlawrev-3746	174	7	sale	sale	NOUN
inlawrev-3746	174	8	must	must	AUX
inlawrev-3746	174	9	wait	wait	VERB
inlawrev-3746	174	10	three	three	NUM
inlawrev-3746	174	11	months	month	NOUN
inlawrev-3746	174	12	after	after	ADP
inlawrev-3746	174	13	filing	file	VERB
inlawrev-3746	174	14	ofthe	ofthe	NOUN
inlawrev-3746	174	15	foreclosure	foreclosure	NOUN
inlawrev-3746	174	16	complaint	complaint	NOUN
inlawrev-3746	174	17	.	.	PUNCT
inlawrev-3746	175	1	i	i	PRON
inlawrev-3746	175	2	d	d	PROPN
inlawrev-3746	175	3	§	§	PROPN
inlawrev-3746	175	4	32	32	NUM
inlawrev-3746	175	5	-	-	SYM
inlawrev-3746	175	6	29	29	NUM
inlawrev-3746	175	7	-	-	PUNCT
inlawrev-3746	175	8	7	7	NUM
inlawrev-3746	175	9	-	-	PUNCT
inlawrev-3746	175	10	3(a	3(a	NUM
inlawrev-3746	175	11	)	)	PUNCT
inlawrev-3746	175	12	.	.	PUNCT
inlawrev-3746	176	1	there	there	PRON
inlawrev-3746	176	2	are	be	VERB
inlawrev-3746	176	3	exceptions	exception	NOUN
inlawrev-3746	176	4	to	to	ADP
inlawrev-3746	176	5	this	this	DET
inlawrev-3746	176	6	lag	lag	NOUN
inlawrev-3746	176	7	period	period	NOUN
inlawrev-3746	176	8	when	when	SCONJ
inlawrev-3746	176	9	the	the	DET
inlawrev-3746	176	10	property	property	NOUN
inlawrev-3746	176	11	has	have	AUX
inlawrev-3746	176	12	been	be	AUX
inlawrev-3746	176	13	abandoned	abandon	VERB
inlawrev-3746	176	14	,	,	PUNCT
inlawrev-3746	176	15	in	in	ADP
inlawrev-3746	176	16	which	which	DET
inlawrev-3746	176	17	case	case	NOUN
inlawrev-3746	176	18	a	a	DET
inlawrev-3746	176	19	writ	writ	NOUN
inlawrev-3746	176	20	of	of	ADP
inlawrev-3746	176	21	sale	sale	NOUN
inlawrev-3746	176	22	may	may	AUX
inlawrev-3746	176	23	be	be	AUX
inlawrev-3746	176	24	executed	execute	VERB
inlawrev-3746	176	25	on	on	ADP
inlawrev-3746	176	26	the	the	DET
inlawrev-3746	176	27	date	date	NOUN
inlawrev-3746	176	28	ofthe	ofthe	ADJ
inlawrev-3746	176	29	judgment	judgment	NOUN
inlawrev-3746	176	30	according	accord	VERB
inlawrev-3746	176	31	to	to	ADP
inlawrev-3746	176	32	2005	2005	NUM
inlawrev-3746	176	33	]	]	PUNCT
inlawrev-3746	176	34	hoosier	hoosier	NOUN
inlawrev-3746	176	35	inhospitality	inhospitality	NOUN
inlawrev-3746	176	36	93	93	NUM
inlawrev-3746	176	37	property	property	NOUN
inlawrev-3746	176	38	without	without	ADP
inlawrev-3746	176	39	supervision	supervision	NOUN
inlawrev-3746	176	40	,	,	PUNCT
inlawrev-3746	176	41	the	the	DET
inlawrev-3746	176	42	statute	statute	NOUN
inlawrev-3746	176	43	provides	provide	VERB
inlawrev-3746	176	44	mortgagors	mortgagor	NOUN
inlawrev-3746	176	45	more	more	ADJ
inlawrev-3746	176	46	protection	protection	NOUN
inlawrev-3746	176	47	against	against	ADP
inlawrev-3746	176	48	potential	potential	ADJ
inlawrev-3746	176	49	fraudulent	fraudulent	ADJ
inlawrev-3746	176	50	or	or	CCONJ
inlawrev-3746	176	51	inequitable	inequitable	ADJ
inlawrev-3746	176	52	actions	action	NOUN
inlawrev-3746	176	53	taken	take	VERB
inlawrev-3746	176	54	by	by	ADP
inlawrev-3746	176	55	mortgagees	mortgagee	NOUN
inlawrev-3746	176	56	.	.	PUNCT
inlawrev-3746	177	1	furthermore	furthermore	ADV
inlawrev-3746	177	2	,	,	PUNCT
inlawrev-3746	177	3	indiana'sjudicial	indiana'sjudicial	ADJ
inlawrev-3746	177	4	foreclosure	foreclosure	NOUN
inlawrev-3746	177	5	process	process	NOUN
inlawrev-3746	177	6	also	also	ADV
inlawrev-3746	177	7	protects	protect	VERB
inlawrev-3746	177	8	homeowners	homeowner	NOUN
inlawrev-3746	177	9	by	by	ADP
inlawrev-3746	177	10	allowing	allow	VERB
inlawrev-3746	177	11	them	they	PRON
inlawrev-3746	177	12	to	to	PART
inlawrev-3746	177	13	remain	remain	VERB
inlawrev-3746	177	14	in	in	ADP
inlawrev-3746	177	15	their	their	PRON
inlawrev-3746	177	16	homes	home	NOUN
inlawrev-3746	177	17	,	,	PUNCT
inlawrev-3746	177	18	rent	rent	VERB
inlawrev-3746	177	19	free	free	ADJ
inlawrev-3746	177	20	,	,	PUNCT
inlawrev-3746	177	21	until	until	SCONJ
inlawrev-3746	177	22	the	the	DET
inlawrev-3746	177	23	process	process	NOUN
inlawrev-3746	177	24	is	be	AUX
inlawrev-3746	177	25	completed	complete	VERB
inlawrev-3746	177	26	.	.	PUNCT
inlawrev-3746	178	1	33	33	NUM
inlawrev-3746	178	2	once	once	ADV
inlawrev-3746	178	3	a	a	DET
inlawrev-3746	178	4	homeowner	homeowner	NOUN
inlawrev-3746	178	5	neglects	neglect	VERB
inlawrev-3746	178	6	to	to	PART
inlawrev-3746	178	7	make	make	VERB
inlawrev-3746	178	8	a	a	DET
inlawrev-3746	178	9	payment	payment	NOUN
inlawrev-3746	178	10	to	to	ADP
inlawrev-3746	178	11	the	the	DET
inlawrev-3746	178	12	mortgagee	mortgagee	NOUN
inlawrev-3746	178	13	or	or	CCONJ
inlawrev-3746	178	14	perform	perform	VERB
inlawrev-3746	178	15	some	some	DET
inlawrev-3746	178	16	other	other	ADJ
inlawrev-3746	178	17	obligation	obligation	NOUN
inlawrev-3746	178	18	pursuant	pursuant	ADJ
inlawrev-3746	178	19	to	to	ADP
inlawrev-3746	178	20	the	the	DET
inlawrev-3746	178	21	terms	term	NOUN
inlawrev-3746	178	22	of	of	ADP
inlawrev-3746	178	23	the	the	DET
inlawrev-3746	178	24	mortgage	mortgage	NOUN
inlawrev-3746	178	25	,	,	PUNCT
inlawrev-3746	178	26	he	he	PRON
inlawrev-3746	178	27	or	or	CCONJ
inlawrev-3746	178	28	she	she	PRON
inlawrev-3746	178	29	is	be	AUX
inlawrev-3746	178	30	in	in	ADP
inlawrev-3746	178	31	default	default	NOUN
inlawrev-3746	178	32	on	on	ADP
inlawrev-3746	178	33	the	the	DET
inlawrev-3746	178	34	mortgage	mortgage	NOUN
inlawrev-3746	178	35	.	.	PUNCT
inlawrev-3746	179	1	34	34	NUM
inlawrev-3746	179	2	at	at	ADP
inlawrev-3746	179	3	that	that	DET
inlawrev-3746	179	4	point	point	NOUN
inlawrev-3746	179	5	,	,	PUNCT
inlawrev-3746	179	6	the	the	DET
inlawrev-3746	179	7	mortgagee	mortgagee	NOUN
inlawrev-3746	179	8	may	may	AUX
inlawrev-3746	179	9	accelerate	accelerate	VERB
inlawrev-3746	179	10	the	the	DET
inlawrev-3746	179	11	loan	loan	NOUN
inlawrev-3746	179	12	to	to	PART
inlawrev-3746	179	13	make	make	VERB
inlawrev-3746	179	14	it	it	PRON
inlawrev-3746	179	15	immediately	immediately	ADV
inlawrev-3746	179	16	payable	payable	ADJ
inlawrev-3746	179	17	in	in	ADP
inlawrev-3746	179	18	full.35	full.35	PROPN
inlawrev-3746	179	19	indiana	indiana	PROPN
inlawrev-3746	179	20	's	's	PART
inlawrev-3746	179	21	foreclosure	foreclosure	NOUN
inlawrev-3746	179	22	statutes	statute	NOUN
inlawrev-3746	179	23	draw	draw	VERB
inlawrev-3746	179	24	a	a	DET
inlawrev-3746	179	25	distinction	distinction	NOUN
inlawrev-3746	179	26	between	between	ADP
inlawrev-3746	179	27	these	these	DET
inlawrev-3746	179	28	events	event	NOUN
inlawrev-3746	179	29	,	,	PUNCT
inlawrev-3746	179	30	as	as	SCONJ
inlawrev-3746	179	31	it	it	PRON
inlawrev-3746	179	32	does	do	AUX
inlawrev-3746	179	33	not	not	PART
inlawrev-3746	179	34	require	require	VERB
inlawrev-3746	179	35	notice	notice	NOUN
inlawrev-3746	179	36	of	of	ADP
inlawrev-3746	179	37	default	default	NOUN
inlawrev-3746	179	38	to	to	ADP
inlawrev-3746	179	39	delinquent	delinquent	ADJ
inlawrev-3746	179	40	property	property	NOUN
inlawrev-3746	179	41	owners	owner	NOUN
inlawrev-3746	179	42	,	,	PUNCT
inlawrev-3746	179	43	but	but	CCONJ
inlawrev-3746	179	44	the	the	DET
inlawrev-3746	179	45	lender	lender	NOUN
inlawrev-3746	179	46	must	must	AUX
inlawrev-3746	179	47	give	give	VERB
inlawrev-3746	179	48	notice	notice	NOUN
inlawrev-3746	179	49	ofacceleration	ofacceleration	NOUN
inlawrev-3746	179	50	ofthe	ofthe	NOUN
inlawrev-3746	179	51	loan	loan	NOUN
inlawrev-3746	179	52	.	.	PUNCT
inlawrev-3746	180	1	36	36	NUM
inlawrev-3746	180	2	while	while	SCONJ
inlawrev-3746	180	3	this	this	DET
inlawrev-3746	180	4	provision	provision	NOUN
inlawrev-3746	180	5	does	do	AUX
inlawrev-3746	180	6	not	not	PART
inlawrev-3746	180	7	fully	fully	ADV
inlawrev-3746	180	8	protect	protect	VERB
inlawrev-3746	180	9	mortgagors	mortgagor	NOUN
inlawrev-3746	180	10	,	,	PUNCT
inlawrev-3746	180	11	it	it	PRON
inlawrev-3746	180	12	is	be	AUX
inlawrev-3746	180	13	more	more	ADV
inlawrev-3746	180	14	borrower	borrower	NOUN
inlawrev-3746	180	15	-	-	PUNCT
inlawrev-3746	180	16	friendly	friendly	ADJ
inlawrev-3746	180	17	than	than	ADP
inlawrev-3746	180	18	many	many	ADJ
inlawrev-3746	180	19	states	state	NOUN
inlawrev-3746	180	20	that	that	PRON
inlawrev-3746	180	21	do	do	AUX
inlawrev-3746	180	22	not	not	PART
inlawrev-3746	180	23	require	require	VERB
inlawrev-3746	180	24	the	the	DET
inlawrev-3746	180	25	lender	lender	NOUN
inlawrev-3746	180	26	to	to	PART
inlawrev-3746	180	27	notify	notify	VERB
inlawrev-3746	180	28	the	the	DET
inlawrev-3746	180	29	borrower	borrower	NOUN
inlawrev-3746	180	30	at	at	ADP
inlawrev-3746	180	31	any	any	DET
inlawrev-3746	180	32	point	point	NOUN
inlawrev-3746	180	33	in	in	ADP
inlawrev-3746	180	34	the	the	DET
inlawrev-3746	180	35	process	process	NOUN
inlawrev-3746	180	36	.	.	PUNCT
inlawrev-3746	181	1	37	37	NUM
inlawrev-3746	181	2	another	another	DET
inlawrev-3746	181	3	component	component	NOUN
inlawrev-3746	181	4	of	of	ADP
inlawrev-3746	181	5	indiana	indiana	PROPN
inlawrev-3746	181	6	's	's	PART
inlawrev-3746	181	7	statutory	statutory	ADJ
inlawrev-3746	181	8	scheme	scheme	NOUN
inlawrev-3746	181	9	partially	partially	ADV
inlawrev-3746	181	10	grants	grant	VERB
inlawrev-3746	181	11	power	power	NOUN
inlawrev-3746	181	12	to	to	ADP
inlawrev-3746	181	13	borrowers	borrower	NOUN
inlawrev-3746	181	14	involved	involve	VERB
inlawrev-3746	181	15	in	in	ADP
inlawrev-3746	181	16	a	a	DET
inlawrev-3746	181	17	foreclosure	foreclosure	NOUN
inlawrev-3746	181	18	proceeding	proceeding	NOUN
inlawrev-3746	181	19	.	.	PUNCT
inlawrev-3746	182	1	prior	prior	ADV
inlawrev-3746	182	2	to	to	ADP
inlawrev-3746	182	3	a	a	DET
inlawrev-3746	182	4	court	court	NOUN
inlawrev-3746	182	5	authorized	authorize	VERB
inlawrev-3746	182	6	foreclosure	foreclosure	NOUN
inlawrev-3746	182	7	sale	sale	NOUN
inlawrev-3746	182	8	,	,	PUNCT
inlawrev-3746	182	9	a	a	DET
inlawrev-3746	182	10	mortgagor	mortgagor	NOUN
inlawrev-3746	182	11	may	may	AUX
inlawrev-3746	182	12	redeem	redeem	VERB
inlawrev-3746	182	13	the	the	DET
inlawrev-3746	182	14	property	property	NOUN
inlawrev-3746	182	15	from	from	ADP
inlawrev-3746	182	16	the	the	DET
inlawrev-3746	182	17	judgment	judgment	NOUN
inlawrev-3746	182	18	by	by	ADP
inlawrev-3746	182	19	paying	pay	VERB
inlawrev-3746	182	20	the	the	DET
inlawrev-3746	182	21	amount	amount	NOUN
inlawrev-3746	182	22	of	of	ADP
inlawrev-3746	182	23	the	the	DET
inlawrev-3746	182	24	judgment	judgment	NOUN
inlawrev-3746	182	25	,	,	PUNCT
inlawrev-3746	182	26	plus	plus	CCONJ
inlawrev-3746	182	27	interest	interest	NOUN
inlawrev-3746	182	28	,	,	PUNCT
inlawrev-3746	182	29	and	and	CCONJ
inlawrev-3746	182	30	the	the	DET
inlawrev-3746	182	31	costs	cost	NOUN
inlawrev-3746	182	32	ofprocuring	ofprocure	VERB
inlawrev-3746	182	33	the	the	DET
inlawrev-3746	182	34	judgment	judgment	NOUN
inlawrev-3746	182	35	.	.	PUNCT
inlawrev-3746	183	1	38	38	NUM
inlawrev-3746	183	2	however	however	ADV
inlawrev-3746	183	3	,	,	PUNCT
inlawrev-3746	183	4	unlike	unlike	ADP
inlawrev-3746	183	5	in	in	ADP
inlawrev-3746	183	6	some	some	DET
inlawrev-3746	183	7	other	other	ADJ
inlawrev-3746	183	8	states	state	NOUN
inlawrev-3746	183	9	,	,	PUNCT
inlawrev-3746	183	10	once	once	ADV
inlawrev-3746	183	11	a	a	DET
inlawrev-3746	183	12	foreclosure	foreclosure	NOUN
inlawrev-3746	183	13	sale	sale	NOUN
inlawrev-3746	183	14	has	have	AUX
inlawrev-3746	183	15	been	be	AUX
inlawrev-3746	183	16	completed	complete	VERB
inlawrev-3746	183	17	,	,	PUNCT
inlawrev-3746	183	18	there	there	PRON
inlawrev-3746	183	19	is	be	VERB
inlawrev-3746	183	20	no	no	DET
inlawrev-3746	183	21	statutory	statutory	ADJ
inlawrev-3746	183	22	right	right	NOUN
inlawrev-3746	183	23	of	of	ADP
inlawrev-3746	183	24	redemption	redemption	NOUN
inlawrev-3746	183	25	.	.	PUNCT
inlawrev-3746	184	1	39	39	NUM
inlawrev-3746	184	2	this	this	DET
inlawrev-3746	184	3	limited	limited	ADJ
inlawrev-3746	184	4	protection	protection	NOUN
inlawrev-3746	184	5	benefits	benefit	VERB
inlawrev-3746	184	6	homeowners	homeowner	NOUN
inlawrev-3746	184	7	in	in	ADP
inlawrev-3746	184	8	some	some	DET
inlawrev-3746	184	9	regards	regard	NOUN
inlawrev-3746	184	10	,	,	PUNCT
inlawrev-3746	184	11	but	but	CCONJ
inlawrev-3746	184	12	the	the	DET
inlawrev-3746	184	13	pre	pre	ADJ
inlawrev-3746	184	14	-	-	NOUN
inlawrev-3746	184	15	sale	sale	ADJ
inlawrev-3746	184	16	right	right	NOUN
inlawrev-3746	184	17	of	of	ADP
inlawrev-3746	184	18	redemption	redemption	NOUN
inlawrev-3746	184	19	likely	likely	ADV
inlawrev-3746	184	20	has	have	VERB
inlawrev-3746	184	21	little	little	ADJ
inlawrev-3746	184	22	impact	impact	NOUN
inlawrev-3746	184	23	or	or	CCONJ
inlawrev-3746	184	24	practical	practical	ADJ
inlawrev-3746	184	25	use	use	NOUN
inlawrev-3746	184	26	.	.	PUNCT
inlawrev-3746	185	1	40	40	NUM
inlawrev-3746	185	2	section	section	NOUN
inlawrev-3746	185	3	32	32	NUM
inlawrev-3746	185	4	-	-	SYM
inlawrev-3746	185	5	29	29	NUM
inlawrev-3746	185	6	-	-	PUNCT
inlawrev-3746	185	7	7	7	NUM
inlawrev-3746	185	8	-	-	PUNCT
inlawrev-3746	185	9	3(a)(2	3(a)(2	NUM
inlawrev-3746	185	10	)	)	PUNCT
inlawrev-3746	185	11	,	,	PUNCT
inlawrev-3746	185	12	or	or	CCONJ
inlawrev-3746	185	13	when	when	SCONJ
inlawrev-3746	185	14	the	the	DET
inlawrev-3746	185	15	owner	owner	NOUN
inlawrev-3746	185	16	has	have	AUX
inlawrev-3746	185	17	waived	waive	VERB
inlawrev-3746	185	18	the	the	DET
inlawrev-3746	185	19	time	time	NOUN
inlawrev-3746	185	20	limit	limit	NOUN
inlawrev-3746	185	21	under	under	ADP
inlawrev-3746	185	22	section	section	NOUN
inlawrev-3746	185	23	32	32	NUM
inlawrev-3746	185	24	-	-	SYM
inlawrev-3746	185	25	29	29	NUM
inlawrev-3746	185	26	-	-	PUNCT
inlawrev-3746	185	27	7	7	NUM
inlawrev-3746	185	28	-	-	SYM
inlawrev-3746	185	29	5	5	NUM
inlawrev-3746	185	30	.	.	PUNCT
inlawrev-3746	185	31	because	because	SCONJ
inlawrev-3746	185	32	of	of	ADP
inlawrev-3746	185	33	these	these	DET
inlawrev-3746	185	34	time	time	NOUN
inlawrev-3746	185	35	limits	limit	NOUN
inlawrev-3746	185	36	,	,	PUNCT
inlawrev-3746	185	37	even	even	ADV
inlawrev-3746	185	38	in	in	ADP
inlawrev-3746	185	39	an	an	DET
inlawrev-3746	185	40	uncontested	uncontested	ADJ
inlawrev-3746	185	41	case	case	NOUN
inlawrev-3746	185	42	,	,	PUNCT
inlawrev-3746	185	43	the	the	DET
inlawrev-3746	185	44	time	time	NOUN
inlawrev-3746	185	45	to	to	PART
inlawrev-3746	185	46	complete	complete	VERB
inlawrev-3746	185	47	the	the	DET
inlawrev-3746	185	48	foreclosure	foreclosure	NOUN
inlawrev-3746	185	49	process	process	NOUN
inlawrev-3746	185	50	will	will	AUX
inlawrev-3746	185	51	average	average	VERB
inlawrev-3746	185	52	about	about	ADV
inlawrev-3746	185	53	six	six	NUM
inlawrev-3746	185	54	months	month	NOUN
inlawrev-3746	185	55	,	,	PUNCT
inlawrev-3746	185	56	including	include	VERB
inlawrev-3746	185	57	three	three	NUM
inlawrev-3746	185	58	months	month	NOUN
inlawrev-3746	185	59	until	until	SCONJ
inlawrev-3746	185	60	the	the	DET
inlawrev-3746	185	61	writ	writ	NOUN
inlawrev-3746	185	62	is	be	AUX
inlawrev-3746	185	63	permitted	permit	VERB
inlawrev-3746	185	64	,	,	PUNCT
inlawrev-3746	185	65	six	six	NUM
inlawrev-3746	185	66	to	to	PART
inlawrev-3746	185	67	eight	eight	NUM
inlawrev-3746	185	68	weeks	week	NOUN
inlawrev-3746	185	69	to	to	ADP
inlawrev-3746	185	70	date	date	NOUN
inlawrev-3746	185	71	of	of	ADP
inlawrev-3746	185	72	sale	sale	NOUN
inlawrev-3746	185	73	,	,	PUNCT
inlawrev-3746	185	74	and	and	CCONJ
inlawrev-3746	185	75	two	two	NUM
inlawrev-3746	185	76	to	to	PART
inlawrev-3746	185	77	four	four	NUM
inlawrev-3746	185	78	months	month	NOUN
inlawrev-3746	185	79	for	for	ADP
inlawrev-3746	185	80	judgment	judgment	NOUN
inlawrev-3746	185	81	on	on	ADP
inlawrev-3746	185	82	the	the	DET
inlawrev-3746	185	83	sale	sale	NOUN
inlawrev-3746	185	84	.	.	PUNCT
inlawrev-3746	186	1	see	see	VERB
inlawrev-3746	186	2	keyles	keyle	NOUN
inlawrev-3746	186	3	,	,	PUNCT
inlawrev-3746	186	4	supra	supra	PROPN
inlawrev-3746	186	5	note	note	PROPN
inlawrev-3746	186	6	26	26	NUM
inlawrev-3746	186	7	,	,	PUNCT
inlawrev-3746	186	8	at	at	ADP
inlawrev-3746	186	9	168	168	NUM
inlawrev-3746	186	10	.	.	PUNCT
inlawrev-3746	187	1	there	there	PRON
inlawrev-3746	187	2	are	be	VERB
inlawrev-3746	187	3	many	many	ADJ
inlawrev-3746	187	4	other	other	ADJ
inlawrev-3746	187	5	particularities	particularity	NOUN
inlawrev-3746	187	6	of	of	ADP
inlawrev-3746	187	7	the	the	DET
inlawrev-3746	187	8	indiana	indiana	PROPN
inlawrev-3746	187	9	code	code	PROPN
inlawrev-3746	187	10	dealing	deal	VERB
inlawrev-3746	187	11	with	with	ADP
inlawrev-3746	187	12	judicial	judicial	ADJ
inlawrev-3746	187	13	foreclosure	foreclosure	NOUN
inlawrev-3746	187	14	,	,	PUNCT
inlawrev-3746	187	15	but	but	CCONJ
inlawrev-3746	187	16	they	they	PRON
inlawrev-3746	187	17	are	be	AUX
inlawrev-3746	187	18	not	not	PART
inlawrev-3746	187	19	relevant	relevant	ADJ
inlawrev-3746	187	20	for	for	ADP
inlawrev-3746	187	21	purposes	purpose	NOUN
inlawrev-3746	187	22	of	of	ADP
inlawrev-3746	187	23	this	this	DET
inlawrev-3746	187	24	note	note	NOUN
inlawrev-3746	187	25	.	.	PUNCT
inlawrev-3746	188	1	33	33	NUM
inlawrev-3746	188	2	.	.	PUNCT
inlawrev-3746	189	1	this	this	DET
inlawrev-3746	189	2	protection	protection	NOUN
inlawrev-3746	189	3	does	do	AUX
inlawrev-3746	189	4	have	have	VERB
inlawrev-3746	189	5	some	some	DET
inlawrev-3746	189	6	limitations	limitation	NOUN
inlawrev-3746	189	7	to	to	PART
inlawrev-3746	189	8	protect	protect	VERB
inlawrev-3746	189	9	against	against	ADP
inlawrev-3746	189	10	abuse	abuse	NOUN
inlawrev-3746	189	11	by	by	ADP
inlawrev-3746	189	12	mortgagors	mortgagor	NOUN
inlawrev-3746	189	13	.	.	PUNCT
inlawrev-3746	190	1	the	the	DET
inlawrev-3746	190	2	mortgaged	mortgaged	ADJ
inlawrev-3746	190	3	property	property	NOUN
inlawrev-3746	190	4	must	must	AUX
inlawrev-3746	190	5	be	be	AUX
inlawrev-3746	190	6	occupied	occupy	VERB
inlawrev-3746	190	7	by	by	ADP
inlawrev-3746	190	8	the	the	DET
inlawrev-3746	190	9	mortgagor	mortgagor	NOUN
inlawrev-3746	190	10	,	,	PUNCT
inlawrev-3746	190	11	the	the	DET
inlawrev-3746	190	12	mortgagor	mortgagor	NOUN
inlawrev-3746	190	13	must	must	AUX
inlawrev-3746	190	14	not	not	PART
inlawrev-3746	190	15	damage	damage	VERB
inlawrev-3746	190	16	the	the	DET
inlawrev-3746	190	17	premises	premise	NOUN
inlawrev-3746	190	18	in	in	ADP
inlawrev-3746	190	19	any	any	DET
inlawrev-3746	190	20	way	way	NOUN
inlawrev-3746	190	21	,	,	PUNCT
inlawrev-3746	190	22	and	and	CCONJ
inlawrev-3746	190	23	the	the	DET
inlawrev-3746	190	24	mortgagor	mortgagor	NOUN
inlawrev-3746	190	25	must	must	AUX
inlawrev-3746	190	26	continue	continue	VERB
inlawrev-3746	190	27	to	to	PART
inlawrev-3746	190	28	pay	pay	VERB
inlawrev-3746	190	29	taxes	taxis	NOUN
inlawrev-3746	190	30	and	and	CCONJ
inlawrev-3746	190	31	assessments	assessment	NOUN
inlawrev-3746	190	32	while	while	SCONJ
inlawrev-3746	190	33	they	they	PRON
inlawrev-3746	190	34	remain	remain	VERB
inlawrev-3746	190	35	in	in	ADP
inlawrev-3746	190	36	the	the	DET
inlawrev-3746	190	37	home	home	NOUN
inlawrev-3746	190	38	.	.	PUNCT
inlawrev-3746	191	1	ind	ind	PROPN
inlawrev-3746	191	2	.	.	PUNCT
inlawrev-3746	192	1	code	code	PROPN
inlawrev-3746	192	2	§	§	PROPN
inlawrev-3746	192	3	32	32	NUM
inlawrev-3746	192	4	-	-	SYM
inlawrev-3746	192	5	29	29	NUM
inlawrev-3746	192	6	-	-	PUNCT
inlawrev-3746	192	7	7	7	NUM
inlawrev-3746	192	8	-	-	SYM
inlawrev-3746	192	9	1	1	NUM
inlawrev-3746	192	10	1(b	1(b	NUM
inlawrev-3746	192	11	)	)	PUNCT
inlawrev-3746	192	12	(	(	PUNCT
inlawrev-3746	192	13	2002	2002	NUM
inlawrev-3746	192	14	)	)	PUNCT
inlawrev-3746	192	15	.	.	PUNCT
inlawrev-3746	193	1	34	34	NUM
inlawrev-3746	193	2	.	.	PUNCT
inlawrev-3746	194	1	michael	michael	PROPN
inlawrev-3746	194	2	guisto	guisto	PROPN
inlawrev-3746	194	3	,	,	PUNCT
inlawrev-3746	194	4	note	note	NOUN
inlawrev-3746	194	5	,	,	PUNCT
inlawrev-3746	194	6	mortgage	mortgage	NOUN
inlawrev-3746	194	7	foreclosurefor	foreclosurefor	ADP
inlawrev-3746	194	8	secondarybreaches	secondarybreache	VERB
inlawrev-3746	194	9	:	:	PUNCT
inlawrev-3746	194	10	a	a	DET
inlawrev-3746	194	11	practitioner	practitioner	NOUN
inlawrev-3746	194	12	's	's	PART
inlawrev-3746	194	13	guide	guide	NOUN
inlawrev-3746	194	14	to	to	ADP
inlawrev-3746	194	15	defining	define	VERB
inlawrev-3746	194	16	"	"	PUNCT
inlawrev-3746	194	17	security	security	NOUN
inlawrev-3746	194	18	impairment	impairment	NOUN
inlawrev-3746	194	19	,	,	PUNCT
inlawrev-3746	194	20	"	"	PUNCT
inlawrev-3746	194	21	26	26	NUM
inlawrev-3746	194	22	cardozo	cardozo	PROPN
inlawrev-3746	194	23	l.	l.	PROPN
inlawrev-3746	194	24	rev	rev	PROPN
inlawrev-3746	194	25	.	.	PROPN
inlawrev-3746	194	26	2563	2563	NUM
inlawrev-3746	194	27	,	,	PUNCT
inlawrev-3746	194	28	2565	2565	NUM
inlawrev-3746	194	29	(	(	PUNCT
inlawrev-3746	194	30	2005	2005	NUM
inlawrev-3746	194	31	)	)	PUNCT
inlawrev-3746	194	32	.	.	PUNCT
inlawrev-3746	195	1	35	35	NUM
inlawrev-3746	195	2	.	.	PUNCT
inlawrev-3746	195	3	mat	mat	NOUN
inlawrev-3746	195	4	2564	2564	NUM
inlawrev-3746	195	5	.	.	PUNCT
inlawrev-3746	196	1	36	36	NUM
inlawrev-3746	196	2	.	.	PUNCT
inlawrev-3746	197	1	this	this	DET
inlawrev-3746	197	2	difference	difference	NOUN
inlawrev-3746	197	3	in	in	ADP
inlawrev-3746	197	4	notice	notice	NOUN
inlawrev-3746	197	5	requirements	requirement	NOUN
inlawrev-3746	197	6	is	be	AUX
inlawrev-3746	197	7	due	due	ADJ
inlawrev-3746	197	8	to	to	ADP
inlawrev-3746	197	9	the	the	DET
inlawrev-3746	197	10	severity	severity	NOUN
inlawrev-3746	197	11	ofacceleration	ofacceleration	NOUN
inlawrev-3746	197	12	compared	compare	VERB
inlawrev-3746	197	13	to	to	ADP
inlawrev-3746	197	14	default	default	NOUN
inlawrev-3746	197	15	.	.	PUNCT
inlawrev-3746	198	1	notice	notice	NOUN
inlawrev-3746	198	2	is	be	AUX
inlawrev-3746	198	3	required	require	VERB
inlawrev-3746	198	4	for	for	ADP
inlawrev-3746	198	5	acceleration	acceleration	NOUN
inlawrev-3746	198	6	because	because	SCONJ
inlawrev-3746	198	7	it	it	PRON
inlawrev-3746	198	8	is	be	AUX
inlawrev-3746	198	9	the	the	DET
inlawrev-3746	198	10	triggering	trigger	VERB
inlawrev-3746	198	11	mechanism	mechanism	NOUN
inlawrev-3746	198	12	that	that	PRON
inlawrev-3746	198	13	begins	begin	VERB
inlawrev-3746	198	14	the	the	DET
inlawrev-3746	198	15	foreclosure	foreclosure	NOUN
inlawrev-3746	198	16	process	process	NOUN
inlawrev-3746	198	17	,	,	PUNCT
inlawrev-3746	198	18	whereas	whereas	SCONJ
inlawrev-3746	198	19	a	a	DET
inlawrev-3746	198	20	lender	lender	NOUN
inlawrev-3746	198	21	may	may	AUX
inlawrev-3746	198	22	not	not	PART
inlawrev-3746	198	23	begin	begin	VERB
inlawrev-3746	198	24	foreclosure	foreclosure	NOUN
inlawrev-3746	198	25	merely	merely	ADV
inlawrev-3746	198	26	upon	upon	SCONJ
inlawrev-3746	198	27	default	default	NOUN
inlawrev-3746	198	28	.	.	PUNCT
inlawrev-3746	199	1	see	see	VERB
inlawrev-3746	199	2	keyles	keyle	NOUN
inlawrev-3746	199	3	,	,	PUNCT
inlawrev-3746	199	4	supra	supra	PROPN
inlawrev-3746	199	5	note	note	PROPN
inlawrev-3746	199	6	26	26	NUM
inlawrev-3746	199	7	,	,	PUNCT
inlawrev-3746	199	8	at	at	ADP
inlawrev-3746	199	9	167	167	NUM
inlawrev-3746	199	10	.	.	PUNCT
inlawrev-3746	200	1	37	37	NUM
inlawrev-3746	200	2	.	.	PUNCT
inlawrev-3746	201	1	see	see	VERB
inlawrev-3746	201	2	,	,	PUNCT
inlawrev-3746	201	3	e.g.	e.g.	ADV
inlawrev-3746	201	4	,	,	PUNCT
inlawrev-3746	201	5	ohio	ohio	PROPN
inlawrev-3746	201	6	rev	rev	PROPN
inlawrev-3746	201	7	.	.	PROPN
inlawrev-3746	201	8	code	code	PROPN
inlawrev-3746	201	9	ann	ann	PROPN
inlawrev-3746	201	10	.	.	PUNCT
inlawrev-3746	202	1	§	§	PROPN
inlawrev-3746	202	2	2329.23	2329.23	NUM
inlawrev-3746	202	3	(	(	PUNCT
inlawrev-3746	202	4	lexisnexis	lexisnexis	PROPN
inlawrev-3746	202	5	2002	2002	NUM
inlawrev-3746	202	6	)	)	PUNCT
inlawrev-3746	202	7	.	.	PUNCT
inlawrev-3746	203	1	38	38	NUM
inlawrev-3746	203	2	.	.	PUNCT
inlawrev-3746	204	1	ind	ind	PROPN
inlawrev-3746	204	2	.	.	PUNCT
inlawrev-3746	205	1	code	code	PROPN
inlawrev-3746	205	2	§	§	PROPN
inlawrev-3746	205	3	32	32	NUM
inlawrev-3746	205	4	-	-	SYM
inlawrev-3746	205	5	29	29	NUM
inlawrev-3746	205	6	-	-	PUNCT
inlawrev-3746	205	7	7	7	NUM
inlawrev-3746	205	8	-	-	SYM
inlawrev-3746	205	9	7	7	NUM
inlawrev-3746	205	10	(	(	PUNCT
inlawrev-3746	205	11	2002	2002	NUM
inlawrev-3746	205	12	)	)	PUNCT
inlawrev-3746	205	13	.	.	PUNCT
inlawrev-3746	206	1	39	39	NUM
inlawrev-3746	206	2	.	.	PUNCT
inlawrev-3746	206	3	/	/	PUNCT
inlawrev-3746	206	4	«	«	PUNCT
inlawrev-3746	206	5	rem&lfarms	rem&lfarms	PROPN
inlawrev-3746	206	6	,	,	PUNCT
inlawrev-3746	206	7	inc	inc	PROPN
inlawrev-3746	206	8	.	.	PROPN
inlawrev-3746	206	9	,	,	PUNCT
inlawrev-3746	206	10	no	no	INTJ
inlawrev-3746	206	11	.	.	NOUN
inlawrev-3746	207	1	96	96	NUM
inlawrev-3746	207	2	-	-	SYM
inlawrev-3746	207	3	10012	10012	NUM
inlawrev-3746	207	4	,	,	PUNCT
inlawrev-3746	207	5	1996	1996	NUM
inlawrev-3746	207	6	bankr	bankr	NOUN
inlawrev-3746	207	7	.	.	PUNCT
inlawrev-3746	208	1	lexis	lexi	VERB
inlawrev-3746	208	2	1921,at*9	1921,at*9	NUM
inlawrev-3746	208	3	-	-	SYM
inlawrev-3746	208	4	10(bankr.n.d	10(bankr.n.d	NUM
inlawrev-3746	208	5	.	.	PUNCT
inlawrev-3746	209	1	ind	ind	PROPN
inlawrev-3746	209	2	.	.	PUNCT
inlawrev-3746	210	1	apr	apr	PROPN
inlawrev-3746	210	2	.	.	PROPN
inlawrev-3746	210	3	1	1	NUM
inlawrev-3746	210	4	,	,	PUNCT
inlawrev-3746	210	5	1996	1996	NUM
inlawrev-3746	210	6	)	)	PUNCT
inlawrev-3746	211	1	(	(	PUNCT
inlawrev-3746	211	2	interpreting	interpret	VERB
inlawrev-3746	211	3	indiana	indiana	PROPN
inlawrev-3746	211	4	code	code	PROPN
inlawrev-3746	211	5	section	section	NOUN
inlawrev-3746	211	6	32	32	NUM
inlawrev-3746	211	7	-	-	SYM
inlawrev-3746	211	8	29	29	NUM
inlawrev-3746	211	9	-	-	PUNCT
inlawrev-3746	211	10	7	7	NUM
inlawrev-3746	211	11	-	-	SYM
inlawrev-3746	211	12	13	13	NUM
inlawrev-3746	211	13	to	to	PART
inlawrev-3746	211	14	forbid	forbid	VERB
inlawrev-3746	211	15	post	post	ADJ
inlawrev-3746	211	16	-	-	ADJ
inlawrev-3746	211	17	sale	sale	ADJ
inlawrev-3746	211	18	right	right	NOUN
inlawrev-3746	211	19	of	of	ADP
inlawrev-3746	211	20	redemption	redemption	NOUN
inlawrev-3746	211	21	)	)	PUNCT
inlawrev-3746	211	22	.	.	PUNCT
inlawrev-3746	212	1	40	40	NUM
inlawrev-3746	212	2	.	.	PUNCT
inlawrev-3746	213	1	typically	typically	ADV
inlawrev-3746	213	2	,	,	PUNCT
inlawrev-3746	213	3	common	common	ADJ
inlawrev-3746	213	4	law	law	NOUN
inlawrev-3746	213	5	rights	right	NOUN
inlawrev-3746	213	6	of	of	ADP
inlawrev-3746	213	7	redemption	redemption	NOUN
inlawrev-3746	213	8	are	be	AUX
inlawrev-3746	213	9	not	not	PART
inlawrev-3746	213	10	exercised	exercise	VERB
inlawrev-3746	213	11	.	.	PUNCT
inlawrev-3746	214	1	borrowers	borrower	NOUN
inlawrev-3746	214	2	have	have	VERB
inlawrev-3746	214	3	no	no	DET
inlawrev-3746	214	4	94	94	NUM
inlawrev-3746	214	5	indiana	indiana	PROPN
inlawrev-3746	214	6	law	law	PROPN
inlawrev-3746	214	7	review	review	NOUN
inlawrev-3746	215	1	[	[	X
inlawrev-3746	215	2	vol	vol	NOUN
inlawrev-3746	215	3	.	.	PUNCT
inlawrev-3746	215	4	39:87	39:87	NUM
inlawrev-3746	215	5	b.	b.	PROPN
inlawrev-3746	215	6	foreclosure	foreclosure	NOUN
inlawrev-3746	215	7	law	law	NOUN
inlawrev-3746	215	8	in	in	ADP
inlawrev-3746	215	9	states	state	NOUN
inlawrev-3746	215	10	with	with	ADP
inlawrev-3746	215	11	high	high	ADJ
inlawrev-3746	215	12	foreclosure	foreclosure	NOUN
inlawrev-3746	215	13	rates	rate	NOUN
inlawrev-3746	215	14	in	in	ADP
inlawrev-3746	215	15	the	the	DET
inlawrev-3746	215	16	past	past	ADJ
inlawrev-3746	215	17	few	few	ADJ
inlawrev-3746	215	18	years	year	NOUN
inlawrev-3746	215	19	,	,	PUNCT
inlawrev-3746	215	20	many	many	ADJ
inlawrev-3746	215	21	other	other	ADJ
inlawrev-3746	215	22	states	state	NOUN
inlawrev-3746	215	23	in	in	ADP
inlawrev-3746	215	24	addition	addition	NOUN
inlawrev-3746	215	25	to	to	ADP
inlawrev-3746	215	26	indiana	indiana	PROPN
inlawrev-3746	215	27	have	have	AUX
inlawrev-3746	215	28	suffered	suffer	VERB
inlawrev-3746	215	29	high	high	ADJ
inlawrev-3746	215	30	foreclosure	foreclosure	NOUN
inlawrev-3746	215	31	rates	rate	NOUN
inlawrev-3746	215	32	.	.	PUNCT
inlawrev-3746	216	1	four	four	NUM
inlawrev-3746	216	2	states	state	NOUN
inlawrev-3746	216	3	that	that	PRON
inlawrev-3746	216	4	have	have	AUX
inlawrev-3746	216	5	consistently	consistently	ADV
inlawrev-3746	216	6	had	have	VERB
inlawrev-3746	216	7	the	the	DET
inlawrev-3746	216	8	highest	high	ADJ
inlawrev-3746	216	9	foreclosure	foreclosure	NOUN
inlawrev-3746	216	10	rates	rate	NOUN
inlawrev-3746	216	11	in	in	ADP
inlawrev-3746	216	12	recent	recent	ADJ
inlawrev-3746	216	13	times	time	NOUN
inlawrev-3746	216	14	are	be	AUX
inlawrev-3746	216	15	ohio	ohio	PROPN
inlawrev-3746	216	16	,	,	PUNCT
inlawrev-3746	216	17	south	south	PROPN
inlawrev-3746	216	18	carolina	carolina	PROPN
inlawrev-3746	216	19	,	,	PUNCT
inlawrev-3746	216	20	pennsylvania	pennsylvania	PROPN
inlawrev-3746	216	21	,	,	PUNCT
inlawrev-3746	216	22	and	and	CCONJ
inlawrev-3746	216	23	mississippi	mississippi	PROPN
inlawrev-3746	216	24	.	.	PUNCT
inlawrev-3746	217	1	although	although	SCONJ
inlawrev-3746	217	2	these	these	DET
inlawrev-3746	217	3	states	state	NOUN
inlawrev-3746	217	4	are	be	AUX
inlawrev-3746	217	5	geographically	geographically	ADV
inlawrev-3746	217	6	diverse	diverse	ADJ
inlawrev-3746	217	7	,	,	PUNCT
inlawrev-3746	217	8	there	there	PRON
inlawrev-3746	217	9	are	be	VERB
inlawrev-3746	217	10	consistencies	consistency	NOUN
inlawrev-3746	217	11	in	in	ADP
inlawrev-3746	217	12	their	their	PRON
inlawrev-3746	217	13	statutes	statute	NOUN
inlawrev-3746	217	14	that	that	PRON
inlawrev-3746	217	15	raise	raise	VERB
inlawrev-3746	217	16	possible	possible	ADJ
inlawrev-3746	217	17	correlations	correlation	NOUN
inlawrev-3746	217	18	between	between	ADP
inlawrev-3746	217	19	their	their	PRON
inlawrev-3746	217	20	impact	impact	NOUN
inlawrev-3746	217	21	on	on	ADP
inlawrev-3746	217	22	the	the	DET
inlawrev-3746	217	23	mortgage	mortgage	NOUN
inlawrev-3746	217	24	market	market	NOUN
inlawrev-3746	217	25	and	and	CCONJ
inlawrev-3746	217	26	higher	high	ADJ
inlawrev-3746	217	27	occurrences	occurrence	NOUN
inlawrev-3746	217	28	of	of	ADP
inlawrev-3746	217	29	foreclosure	foreclosure	NOUN
inlawrev-3746	217	30	.	.	PUNCT
inlawrev-3746	218	1	although	although	SCONJ
inlawrev-3746	218	2	ohio	ohio	PROPN
inlawrev-3746	218	3	has	have	AUX
inlawrev-3746	218	4	consistently	consistently	ADV
inlawrev-3746	218	5	had	have	VERB
inlawrev-3746	218	6	high	high	ADJ
inlawrev-3746	218	7	foreclosure	foreclosure	NOUN
inlawrev-3746	218	8	rates	rate	NOUN
inlawrev-3746	218	9	in	in	ADP
inlawrev-3746	218	10	the	the	DET
inlawrev-3746	218	11	past	past	ADJ
inlawrev-3746	218	12	few	few	ADJ
inlawrev-3746	218	13	years	year	NOUN
inlawrev-3746	218	14	,	,	PUNCT
inlawrev-3746	218	15	it	it	PRON
inlawrev-3746	218	16	recently	recently	ADV
inlawrev-3746	218	17	reached	reach	VERB
inlawrev-3746	218	18	the	the	DET
inlawrev-3746	218	19	dubious	dubious	ADJ
inlawrev-3746	218	20	distinction	distinction	NOUN
inlawrev-3746	218	21	of	of	ADP
inlawrev-3746	218	22	having	have	VERB
inlawrev-3746	218	23	the	the	DET
inlawrev-3746	218	24	highest	high	ADJ
inlawrev-3746	218	25	foreclosure	foreclosure	NOUN
inlawrev-3746	218	26	rate	rate	NOUN
inlawrev-3746	218	27	in	in	ADP
inlawrev-3746	218	28	the	the	DET
inlawrev-3746	218	29	country	country	NOUN
inlawrev-3746	218	30	at	at	ADP
inlawrev-3746	218	31	3.33	3.33	NUM
inlawrev-3746	218	32	%	%	NOUN
inlawrev-3746	218	33	.	.	PUNCT
inlawrev-3746	219	1	41	41	NUM
inlawrev-3746	219	2	not	not	PART
inlawrev-3746	219	3	surprisingly	surprisingly	ADV
inlawrev-3746	219	4	,	,	PUNCT
inlawrev-3746	219	5	many	many	ADJ
inlawrev-3746	219	6	of	of	ADP
inlawrev-3746	219	7	ohio	ohio	PROPN
inlawrev-3746	219	8	's	's	PART
inlawrev-3746	219	9	foreclosure	foreclosure	NOUN
inlawrev-3746	219	10	laws	law	NOUN
inlawrev-3746	219	11	are	be	AUX
inlawrev-3746	219	12	similar	similar	ADJ
inlawrev-3746	219	13	to	to	ADP
inlawrev-3746	219	14	the	the	DET
inlawrev-3746	219	15	laws	law	NOUN
inlawrev-3746	219	16	in	in	ADP
inlawrev-3746	219	17	indiana	indiana	PROPN
inlawrev-3746	219	18	.	.	PUNCT
inlawrev-3746	220	1	all	all	DET
inlawrev-3746	220	2	foreclosures	foreclosure	NOUN
inlawrev-3746	220	3	in	in	ADP
inlawrev-3746	220	4	ohio	ohio	PROPN
inlawrev-3746	220	5	utilizejudicial	utilizejudicial	ADJ
inlawrev-3746	220	6	foreclosure	foreclosure	NOUN
inlawrev-3746	220	7	.	.	PUNCT
inlawrev-3746	221	1	42	42	NUM
inlawrev-3746	221	2	similarly	similarly	ADV
inlawrev-3746	221	3	,	,	PUNCT
inlawrev-3746	221	4	the	the	DET
inlawrev-3746	221	5	mortgagor	mortgagor	NOUN
inlawrev-3746	221	6	only	only	ADV
inlawrev-3746	221	7	has	have	VERB
inlawrev-3746	221	8	redemption	redemption	NOUN
inlawrev-3746	221	9	rights	right	NOUN
inlawrev-3746	221	10	until	until	ADP
inlawrev-3746	221	11	confirmation	confirmation	NOUN
inlawrev-3746	221	12	of	of	ADP
inlawrev-3746	221	13	the	the	DET
inlawrev-3746	221	14	foreclosure	foreclosure	NOUN
inlawrev-3746	221	15	sale	sale	NOUN
inlawrev-3746	221	16	.	.	PUNCT
inlawrev-3746	222	1	43	43	NUM
inlawrev-3746	222	2	one	one	NUM
inlawrev-3746	222	3	difference	difference	NOUN
inlawrev-3746	222	4	between	between	ADP
inlawrev-3746	222	5	ohio	ohio	PROPN
inlawrev-3746	222	6	and	and	CCONJ
inlawrev-3746	222	7	indiana	indiana	PROPN
inlawrev-3746	222	8	is	be	AUX
inlawrev-3746	222	9	that	that	SCONJ
inlawrev-3746	222	10	,	,	PUNCT
inlawrev-3746	222	11	unless	unless	SCONJ
inlawrev-3746	222	12	enumerated	enumerate	VERB
inlawrev-3746	222	13	and	and	CCONJ
inlawrev-3746	222	14	required	require	VERB
inlawrev-3746	222	15	in	in	ADP
inlawrev-3746	222	16	the	the	DET
inlawrev-3746	222	17	loan	loan	NOUN
inlawrev-3746	222	18	documents	document	NOUN
inlawrev-3746	222	19	,	,	PUNCT
inlawrev-3746	222	20	ohio	ohio	PROPN
inlawrev-3746	222	21	does	do	AUX
inlawrev-3746	222	22	not	not	PART
inlawrev-3746	222	23	require	require	VERB
inlawrev-3746	222	24	notice	notice	NOUN
inlawrev-3746	222	25	of	of	ADP
inlawrev-3746	222	26	default	default	NOUN
inlawrev-3746	222	27	or	or	CCONJ
inlawrev-3746	222	28	acceleration	acceleration	NOUN
inlawrev-3746	222	29	.	.	PUNCT
inlawrev-3746	223	1	44	44	NUM
inlawrev-3746	223	2	nonetheless	nonetheless	ADV
inlawrev-3746	223	3	,	,	PUNCT
inlawrev-3746	223	4	the	the	DET
inlawrev-3746	223	5	basic	basic	ADJ
inlawrev-3746	223	6	legal	legal	ADJ
inlawrev-3746	223	7	framework	framework	NOUN
inlawrev-3746	223	8	in	in	ADP
inlawrev-3746	223	9	ohio	ohio	PROPN
inlawrev-3746	223	10	and	and	CCONJ
inlawrev-3746	223	11	indiana	indiana	PROPN
inlawrev-3746	223	12	is	be	AUX
inlawrev-3746	223	13	similar	similar	ADJ
inlawrev-3746	223	14	and	and	CCONJ
inlawrev-3746	223	15	is	be	AUX
inlawrev-3746	223	16	a	a	DET
inlawrev-3746	223	17	contributing	contribute	VERB
inlawrev-3746	223	18	factor	factor	NOUN
inlawrev-3746	223	19	in	in	ADP
inlawrev-3746	223	20	each	each	DET
inlawrev-3746	223	21	state	state	NOUN
inlawrev-3746	223	22	's	's	PART
inlawrev-3746	223	23	recent	recent	ADJ
inlawrev-3746	223	24	high	high	ADJ
inlawrev-3746	223	25	foreclosure	foreclosure	NOUN
inlawrev-3746	223	26	rates	rate	NOUN
inlawrev-3746	223	27	.	.	PUNCT
inlawrev-3746	224	1	south	south	PROPN
inlawrev-3746	224	2	carolina	carolina	PROPN
inlawrev-3746	224	3	,	,	PUNCT
inlawrev-3746	224	4	which	which	PRON
inlawrev-3746	224	5	recently	recently	ADV
inlawrev-3746	224	6	had	have	VERB
inlawrev-3746	224	7	the	the	DET
inlawrev-3746	224	8	third	third	ADV
inlawrev-3746	224	9	highest	high	ADJ
inlawrev-3746	224	10	foreclosure	foreclosure	NOUN
inlawrev-3746	224	11	rate	rate	NOUN
inlawrev-3746	224	12	of	of	ADP
inlawrev-3746	224	13	2.46	2.46	NUM
inlawrev-3746	224	14	%	%	NOUN
inlawrev-3746	224	15	,	,	PUNCT
inlawrev-3746	224	16	45	45	NUM
inlawrev-3746	224	17	also	also	ADV
inlawrev-3746	224	18	has	have	VERB
inlawrev-3746	224	19	laws	law	NOUN
inlawrev-3746	224	20	similar	similar	ADJ
inlawrev-3746	224	21	to	to	ADP
inlawrev-3746	224	22	those	those	PRON
inlawrev-3746	224	23	in	in	ADP
inlawrev-3746	224	24	indiana	indiana	PROPN
inlawrev-3746	224	25	.	.	PUNCT
inlawrev-3746	225	1	south	south	PROPN
inlawrev-3746	225	2	carolina	carolina	PROPN
inlawrev-3746	225	3	only	only	ADV
inlawrev-3746	225	4	permits	permit	VERB
inlawrev-3746	225	5	judicial	judicial	ADJ
inlawrev-3746	225	6	foreclosure	foreclosure	NOUN
inlawrev-3746	225	7	in	in	ADP
inlawrev-3746	225	8	the	the	DET
inlawrev-3746	225	9	state	state	NOUN
inlawrev-3746	225	10	.	.	PUNCT
inlawrev-3746	226	1	46	46	NUM
inlawrev-3746	227	1	furthermore	furthermore	ADV
inlawrev-3746	227	2	,	,	PUNCT
inlawrev-3746	227	3	while	while	SCONJ
inlawrev-3746	227	4	indiana	indiana	PROPN
inlawrev-3746	227	5	only	only	ADV
inlawrev-3746	227	6	allows	allow	VERB
inlawrev-3746	227	7	redemption	redemption	NOUN
inlawrev-3746	227	8	before	before	ADP
inlawrev-3746	227	9	the	the	DET
inlawrev-3746	227	10	foreclosure	foreclosure	NOUN
inlawrev-3746	227	11	sale	sale	NOUN
inlawrev-3746	227	12	,	,	PUNCT
inlawrev-3746	227	13	south	south	PROPN
inlawrev-3746	227	14	carolina	carolina	PROPN
inlawrev-3746	227	15	completely	completely	ADV
inlawrev-3746	227	16	forbids	forbid	VERB
inlawrev-3746	227	17	a	a	DET
inlawrev-3746	227	18	mortgagor	mortgagor	NOUN
inlawrev-3746	227	19	's	's	PART
inlawrev-3746	227	20	statutory	statutory	ADJ
inlawrev-3746	227	21	right	right	NOUN
inlawrev-3746	227	22	of	of	ADP
inlawrev-3746	227	23	redemption	redemption	NOUN
inlawrev-3746	227	24	.	.	PUNCT
inlawrev-3746	228	1	47	47	NUM
inlawrev-3746	228	2	south	south	PROPN
inlawrev-3746	228	3	carolina	carolina	PROPN
inlawrev-3746	228	4	's	's	PART
inlawrev-3746	228	5	rules	rule	NOUN
inlawrev-3746	228	6	regarding	regard	VERB
inlawrev-3746	228	7	notice	notice	NOUN
inlawrev-3746	228	8	are	be	AUX
inlawrev-3746	228	9	similar	similar	ADJ
inlawrev-3746	228	10	to	to	ADP
inlawrev-3746	228	11	those	those	PRON
inlawrev-3746	228	12	in	in	ADP
inlawrev-3746	228	13	ohio	ohio	PROPN
inlawrev-3746	228	14	,	,	PUNCT
inlawrev-3746	228	15	because	because	SCONJ
inlawrev-3746	228	16	they	they	PRON
inlawrev-3746	228	17	only	only	ADV
inlawrev-3746	228	18	require	require	VERB
inlawrev-3746	228	19	notice	notice	NOUN
inlawrev-3746	228	20	of	of	ADP
inlawrev-3746	228	21	acceleration	acceleration	NOUN
inlawrev-3746	228	22	if	if	SCONJ
inlawrev-3746	228	23	the	the	DET
inlawrev-3746	228	24	mortgage	mortgage	NOUN
inlawrev-3746	228	25	explicitly	explicitly	ADV
inlawrev-3746	228	26	provides	provide	VERB
inlawrev-3746	228	27	for	for	ADP
inlawrev-3746	228	28	it	it	PRON
inlawrev-3746	228	29	.	.	PUNCT
inlawrev-3746	229	1	48	48	NUM
inlawrev-3746	229	2	incentive	incentive	NOUN
inlawrev-3746	229	3	to	to	PART
inlawrev-3746	229	4	redeem	redeem	VERB
inlawrev-3746	229	5	the	the	DET
inlawrev-3746	229	6	property	property	NOUN
inlawrev-3746	229	7	when	when	SCONJ
inlawrev-3746	229	8	its	its	PRON
inlawrev-3746	229	9	value	value	NOUN
inlawrev-3746	229	10	is	be	AUX
inlawrev-3746	229	11	lower	low	ADJ
inlawrev-3746	229	12	than	than	ADP
inlawrev-3746	229	13	the	the	DET
inlawrev-3746	229	14	amount	amount	NOUN
inlawrev-3746	229	15	owed	owe	VERB
inlawrev-3746	229	16	on	on	ADP
inlawrev-3746	229	17	the	the	DET
inlawrev-3746	229	18	loan	loan	NOUN
inlawrev-3746	229	19	,	,	PUNCT
inlawrev-3746	229	20	which	which	PRON
inlawrev-3746	229	21	is	be	AUX
inlawrev-3746	229	22	what	what	PRON
inlawrev-3746	229	23	most	most	ADV
inlawrev-3746	229	24	often	often	ADV
inlawrev-3746	229	25	leads	lead	VERB
inlawrev-3746	229	26	to	to	ADP
inlawrev-3746	229	27	foreclosure	foreclosure	NOUN
inlawrev-3746	229	28	.	.	PUNCT
inlawrev-3746	230	1	pence	pence	NOUN
inlawrev-3746	230	2	,	,	PUNCT
inlawrev-3746	230	3	supra	supra	PROPN
inlawrev-3746	230	4	note	note	NOUN
inlawrev-3746	230	5	5	5	NUM
inlawrev-3746	230	6	,	,	PUNCT
inlawrev-3746	230	7	at	at	ADP
inlawrev-3746	230	8	6	6	NUM
inlawrev-3746	230	9	.	.	PUNCT
inlawrev-3746	231	1	nonetheless	nonetheless	ADV
inlawrev-3746	231	2	,	,	PUNCT
inlawrev-3746	231	3	even	even	ADV
inlawrev-3746	231	4	if	if	SCONJ
inlawrev-3746	231	5	the	the	DET
inlawrev-3746	231	6	value	value	NOUN
inlawrev-3746	231	7	ofthe	ofthe	NOUN
inlawrev-3746	231	8	property	property	NOUN
inlawrev-3746	231	9	is	be	AUX
inlawrev-3746	231	10	higher	high	ADJ
inlawrev-3746	231	11	than	than	ADP
inlawrev-3746	231	12	the	the	DET
inlawrev-3746	231	13	amount	amount	NOUN
inlawrev-3746	231	14	on	on	ADP
inlawrev-3746	231	15	the	the	DET
inlawrev-3746	231	16	loan	loan	NOUN
inlawrev-3746	231	17	,	,	PUNCT
inlawrev-3746	231	18	there	there	PRON
inlawrev-3746	231	19	is	be	VERB
inlawrev-3746	231	20	likely	likely	ADJ
inlawrev-3746	231	21	nothing	nothing	PRON
inlawrev-3746	231	22	that	that	PRON
inlawrev-3746	231	23	has	have	AUX
inlawrev-3746	231	24	changed	change	VERB
inlawrev-3746	231	25	in	in	ADP
inlawrev-3746	231	26	the	the	DET
inlawrev-3746	231	27	short	short	ADJ
inlawrev-3746	231	28	-	-	PUNCT
inlawrev-3746	231	29	term	term	NOUN
inlawrev-3746	231	30	that	that	PRON
inlawrev-3746	231	31	would	would	AUX
inlawrev-3746	231	32	enable	enable	VERB
inlawrev-3746	231	33	the	the	DET
inlawrev-3746	231	34	borrower	borrower	NOUN
inlawrev-3746	231	35	to	to	PART
inlawrev-3746	231	36	financially	financially	ADV
inlawrev-3746	231	37	support	support	VERB
inlawrev-3746	231	38	the	the	DET
inlawrev-3746	231	39	redemption	redemption	NOUN
inlawrev-3746	231	40	of	of	ADP
inlawrev-3746	231	41	the	the	DET
inlawrev-3746	231	42	property	property	NOUN
inlawrev-3746	231	43	.	.	PUNCT
inlawrev-3746	232	1	4	4	NUM
inlawrev-3746	232	2	1	1	NUM
inlawrev-3746	232	3	.	.	PUNCT
inlawrev-3746	233	1	mitchell	mitchell	PROPN
inlawrev-3746	233	2	,	,	PUNCT
inlawrev-3746	233	3	supra	supra	PROPN
inlawrev-3746	233	4	note	note	NOUN
inlawrev-3746	233	5	2	2	NUM
inlawrev-3746	233	6	,	,	PUNCT
inlawrev-3746	233	7	at	at	ADP
inlawrev-3746	233	8	e	e	X
inlawrev-3746	233	9	1	1	NUM
inlawrev-3746	233	10	.	.	PUNCT
inlawrev-3746	233	11	42	42	NUM
inlawrev-3746	233	12	.	.	PUNCT
inlawrev-3746	234	1	nonjudicial	nonjudicial	ADJ
inlawrev-3746	234	2	foreclosures	foreclosure	NOUN
inlawrev-3746	234	3	are	be	AUX
inlawrev-3746	234	4	permitted	permit	VERB
inlawrev-3746	234	5	ifthey	ifthey	PROPN
inlawrev-3746	234	6	are	be	AUX
inlawrev-3746	234	7	by	by	ADP
inlawrev-3746	234	8	a	a	DET
inlawrev-3746	234	9	trustee	trustee	NOUN
inlawrev-3746	234	10	pursuant	pursuant	ADJ
inlawrev-3746	234	11	to	to	ADP
inlawrev-3746	234	12	a	a	DET
inlawrev-3746	234	13	deed	deed	NOUN
inlawrev-3746	234	14	oftrust	oftrust	PROPN
inlawrev-3746	234	15	.	.	PUNCT
inlawrev-3746	235	1	however	however	ADV
inlawrev-3746	235	2	,	,	PUNCT
inlawrev-3746	235	3	this	this	DET
inlawrev-3746	235	4	exception	exception	NOUN
inlawrev-3746	235	5	is	be	AUX
inlawrev-3746	235	6	never	never	ADV
inlawrev-3746	235	7	used	use	VERB
inlawrev-3746	235	8	because	because	SCONJ
inlawrev-3746	235	9	there	there	PRON
inlawrev-3746	235	10	is	be	VERB
inlawrev-3746	235	11	nojudicial	nojudicial	ADJ
inlawrev-3746	235	12	determination	determination	NOUN
inlawrev-3746	235	13	oftitle	oftitle	NOUN
inlawrev-3746	235	14	.	.	PUNCT
inlawrev-3746	236	1	therefore	therefore	ADV
inlawrev-3746	236	2	,	,	PUNCT
inlawrev-3746	236	3	ohio	ohio	PROPN
inlawrev-3746	236	4	is	be	AUX
inlawrev-3746	236	5	exclusively	exclusively	ADV
inlawrev-3746	236	6	a	a	DET
inlawrev-3746	236	7	judicial	judicial	ADJ
inlawrev-3746	236	8	foreclosure	foreclosure	NOUN
inlawrev-3746	236	9	state	state	NOUN
inlawrev-3746	236	10	.	.	PUNCT
inlawrev-3746	237	1	see	see	VERB
inlawrev-3746	237	2	keyles	keyle	NOUN
inlawrev-3746	237	3	,	,	PUNCT
inlawrev-3746	237	4	supra	supra	PROPN
inlawrev-3746	237	5	note	note	PROPN
inlawrev-3746	237	6	26	26	NUM
inlawrev-3746	237	7	,	,	PUNCT
inlawrev-3746	237	8	at	at	ADP
inlawrev-3746	237	9	443	443	NUM
inlawrev-3746	237	10	.	.	NOUN
inlawrev-3746	237	11	43	43	NUM
inlawrev-3746	237	12	.	.	PUNCT
inlawrev-3746	238	1	ohio	ohio	PROPN
inlawrev-3746	238	2	rev	rev	PROPN
inlawrev-3746	238	3	.	.	PROPN
inlawrev-3746	238	4	code	code	PROPN
inlawrev-3746	238	5	ann	ann	PROPN
inlawrev-3746	238	6	.	.	PUNCT
inlawrev-3746	239	1	§	§	PROPN
inlawrev-3746	239	2	2329.33	2329.33	NUM
inlawrev-3746	239	3	(	(	PUNCT
inlawrev-3746	239	4	lexisnexis	lexisnexis	PROPN
inlawrev-3746	239	5	2002	2002	NUM
inlawrev-3746	239	6	)	)	PUNCT
inlawrev-3746	239	7	.	.	PUNCT
inlawrev-3746	240	1	44	44	NUM
inlawrev-3746	240	2	.	.	PUNCT
inlawrev-3746	241	1	in	in	ADP
inlawrev-3746	241	2	ohio	ohio	PROPN
inlawrev-3746	241	3	and	and	CCONJ
inlawrev-3746	241	4	states	state	NOUN
inlawrev-3746	241	5	where	where	SCONJ
inlawrev-3746	241	6	no	no	DET
inlawrev-3746	241	7	notice	notice	NOUN
inlawrev-3746	241	8	of	of	ADP
inlawrev-3746	241	9	default	default	NOUN
inlawrev-3746	241	10	or	or	CCONJ
inlawrev-3746	241	11	acceleration	acceleration	NOUN
inlawrev-3746	241	12	is	be	AUX
inlawrev-3746	241	13	required	require	VERB
inlawrev-3746	241	14	,	,	PUNCT
inlawrev-3746	241	15	the	the	DET
inlawrev-3746	241	16	filing	filing	NOUN
inlawrev-3746	241	17	of	of	ADP
inlawrev-3746	241	18	a	a	DET
inlawrev-3746	241	19	foreclosure	foreclosure	NOUN
inlawrev-3746	241	20	action	action	NOUN
inlawrev-3746	241	21	with	with	ADP
inlawrev-3746	241	22	the	the	DET
inlawrev-3746	241	23	court	court	NOUN
inlawrev-3746	241	24	,	,	PUNCT
inlawrev-3746	241	25	which	which	PRON
inlawrev-3746	241	26	will	will	AUX
inlawrev-3746	241	27	entail	entail	VERB
inlawrev-3746	241	28	service	service	NOUN
inlawrev-3746	241	29	upon	upon	SCONJ
inlawrev-3746	241	30	the	the	DET
inlawrev-3746	241	31	party	party	NOUN
inlawrev-3746	241	32	involved	involve	VERB
inlawrev-3746	241	33	,	,	PUNCT
inlawrev-3746	241	34	will	will	AUX
inlawrev-3746	241	35	serve	serve	VERB
inlawrev-3746	241	36	as	as	ADP
inlawrev-3746	241	37	sufficient	sufficient	ADJ
inlawrev-3746	241	38	notice	notice	NOUN
inlawrev-3746	241	39	.	.	PUNCT
inlawrev-3746	242	1	see	see	VERB
inlawrev-3746	242	2	i	i	PROPN
inlawrev-3746	242	3	d	d	PROPN
inlawrev-3746	242	4	§	§	PROPN
inlawrev-3746	242	5	2329.23	2329.23	NUM
inlawrev-3746	242	6	.	.	PUNCT
inlawrev-3746	243	1	45	45	NUM
inlawrev-3746	243	2	.	.	PUNCT
inlawrev-3746	243	3	mitchell	mitchell	PROPN
inlawrev-3746	243	4	,	,	PUNCT
inlawrev-3746	243	5	supra	supra	PROPN
inlawrev-3746	243	6	note	note	NOUN
inlawrev-3746	243	7	2	2	NUM
inlawrev-3746	243	8	,	,	PUNCT
inlawrev-3746	243	9	at	at	ADP
inlawrev-3746	243	10	e	e	X
inlawrev-3746	243	11	1	1	NUM
inlawrev-3746	243	12	.	.	PUNCT
inlawrev-3746	243	13	46	46	NUM
inlawrev-3746	243	14	.	.	PUNCT
inlawrev-3746	244	1	see	see	VERB
inlawrev-3746	244	2	s.c	s.c	PROPN
inlawrev-3746	244	3	.	.	PROPN
inlawrev-3746	244	4	code	code	PROPN
inlawrev-3746	244	5	ann	ann	PROPN
inlawrev-3746	244	6	.	.	PUNCT
inlawrev-3746	245	1	§	§	PROPN
inlawrev-3746	245	2	15	15	NUM
inlawrev-3746	245	3	-	-	SYM
inlawrev-3746	245	4	7	7	NUM
inlawrev-3746	245	5	-	-	SYM
inlawrev-3746	245	6	10	10	NUM
inlawrev-3746	245	7	(	(	PUNCT
inlawrev-3746	245	8	2004	2004	NUM
inlawrev-3746	245	9	)	)	PUNCT
inlawrev-3746	245	10	.	.	PUNCT
inlawrev-3746	246	1	47	47	NUM
inlawrev-3746	246	2	.	.	PUNCT
inlawrev-3746	247	1	see	see	VERB
inlawrev-3746	247	2	keyles	keyle	NOUN
inlawrev-3746	247	3	,	,	PUNCT
inlawrev-3746	247	4	supra	supra	PROPN
inlawrev-3746	247	5	note	note	PROPN
inlawrev-3746	247	6	26	26	NUM
inlawrev-3746	247	7	,	,	PUNCT
inlawrev-3746	247	8	at	at	ADP
inlawrev-3746	247	9	495	495	NUM
inlawrev-3746	247	10	.	.	PUNCT
inlawrev-3746	248	1	48	48	NUM
inlawrev-3746	248	2	.	.	PUNCT
inlawrev-3746	249	1	because	because	SCONJ
inlawrev-3746	249	2	judicial	judicial	ADJ
inlawrev-3746	249	3	foreclosure	foreclosure	NOUN
inlawrev-3746	249	4	is	be	AUX
inlawrev-3746	249	5	the	the	DET
inlawrev-3746	249	6	only	only	ADJ
inlawrev-3746	249	7	method	method	NOUN
inlawrev-3746	249	8	in	in	ADP
inlawrev-3746	249	9	south	south	PROPN
inlawrev-3746	249	10	carolina	carolina	PROPN
inlawrev-3746	249	11	,	,	PUNCT
inlawrev-3746	249	12	the	the	DET
inlawrev-3746	249	13	service	service	NOUN
inlawrev-3746	249	14	ofa	ofa	PROPN
inlawrev-3746	249	15	court	court	NOUN
inlawrev-3746	249	16	summons	summon	NOUN
inlawrev-3746	249	17	and	and	CCONJ
inlawrev-3746	249	18	complaint	complaint	NOUN
inlawrev-3746	249	19	for	for	ADP
inlawrev-3746	249	20	foreclosure	foreclosure	NOUN
inlawrev-3746	249	21	is	be	AUX
inlawrev-3746	249	22	an	an	DET
inlawrev-3746	249	23	adequate	adequate	ADJ
inlawrev-3746	249	24	notice	notice	NOUN
inlawrev-3746	249	25	of	of	ADP
inlawrev-3746	249	26	acceleration	acceleration	NOUN
inlawrev-3746	249	27	when	when	SCONJ
inlawrev-3746	249	28	it	it	PRON
inlawrev-3746	249	29	is	be	AUX
inlawrev-3746	249	30	not	not	PART
inlawrev-3746	249	31	enumerated	enumerate	VERB
inlawrev-3746	249	32	in	in	ADP
inlawrev-3746	249	33	the	the	DET
inlawrev-3746	249	34	mortgage	mortgage	NOUN
inlawrev-3746	249	35	.	.	PUNCT
inlawrev-3746	250	1	hendrix	hendrix	PROPN
inlawrev-3746	250	2	v.	v.	CCONJ
inlawrev-3746	250	3	franklin	franklin	PROPN
inlawrev-3746	250	4	,	,	PUNCT
inlawrev-3746	250	5	355	355	NUM
inlawrev-3746	250	6	s.e.2d	s.e.2d	NOUN
inlawrev-3746	250	7	273	273	NUM
inlawrev-3746	250	8	,	,	PUNCT
inlawrev-3746	250	9	274	274	NUM
inlawrev-3746	250	10	(	(	PUNCT
inlawrev-3746	250	11	s.c	s.c	PROPN
inlawrev-3746	250	12	.	.	PROPN
inlawrev-3746	251	1	ct	ct	PROPN
inlawrev-3746	251	2	.	.	PUNCT
inlawrev-3746	252	1	app	app	PROPN
inlawrev-3746	252	2	.	.	PROPN
inlawrev-3746	252	3	1986	1986	NUM
inlawrev-3746	252	4	)	)	PUNCT
inlawrev-3746	252	5	.	.	PUNCT
inlawrev-3746	253	1	2005	2005	NUM
inlawrev-3746	253	2	]	]	PUNCT
inlawrev-3746	253	3	hoosier	hoosier	NOUN
inlawrev-3746	253	4	inhospitality	inhospitality	NOUN
inlawrev-3746	253	5	95	95	NUM
inlawrev-3746	253	6	pennsylvania	pennsylvania	NOUN
inlawrev-3746	253	7	,	,	PUNCT
inlawrev-3746	253	8	another	another	DET
inlawrev-3746	253	9	state	state	NOUN
inlawrev-3746	253	10	with	with	ADP
inlawrev-3746	253	11	a	a	DET
inlawrev-3746	253	12	high	high	ADJ
inlawrev-3746	253	13	foreclosure	foreclosure	NOUN
inlawrev-3746	253	14	rate	rate	NOUN
inlawrev-3746	253	15	,	,	PUNCT
inlawrev-3746	253	16	49	49	NUM
inlawrev-3746	253	17	continues	continue	VERB
inlawrev-3746	253	18	the	the	DET
inlawrev-3746	253	19	trend	trend	NOUN
inlawrev-3746	253	20	,	,	PUNCT
inlawrev-3746	253	21	with	with	ADP
inlawrev-3746	253	22	laws	law	NOUN
inlawrev-3746	253	23	parallel	parallel	ADJ
inlawrev-3746	253	24	to	to	ADP
inlawrev-3746	253	25	indiana	indiana	PROPN
inlawrev-3746	253	26	's	's	PART
inlawrev-3746	253	27	statutory	statutory	ADJ
inlawrev-3746	253	28	scheme	scheme	NOUN
inlawrev-3746	253	29	.	.	PUNCT
inlawrev-3746	254	1	pennsylvania	pennsylvania	PROPN
inlawrev-3746	254	2	is	be	AUX
inlawrev-3746	254	3	an	an	DET
inlawrev-3746	254	4	exclusivelyjudicial	exclusivelyjudicial	ADJ
inlawrev-3746	254	5	foreclosure	foreclosure	NOUN
inlawrev-3746	254	6	state	state	NOUN
inlawrev-3746	254	7	and	and	CCONJ
inlawrev-3746	254	8	ends	end	VERB
inlawrev-3746	254	9	a	a	DET
inlawrev-3746	254	10	mortgagor	mortgagor	NOUN
inlawrev-3746	254	11	's	's	PART
inlawrev-3746	254	12	right	right	ADJ
inlawrev-3746	254	13	ofredemption	ofredemption	NOUN
inlawrev-3746	254	14	after	after	ADP
inlawrev-3746	254	15	the	the	DET
inlawrev-3746	254	16	completion	completion	NOUN
inlawrev-3746	254	17	ofa	ofa	PROPN
inlawrev-3746	254	18	sheriffs	sheriff	NOUN
inlawrev-3746	254	19	sale	sale	VERB
inlawrev-3746	254	20	ofthe	ofthe	NOUN
inlawrev-3746	254	21	foreclosed	foreclose	VERB
inlawrev-3746	254	22	property	property	NOUN
inlawrev-3746	254	23	.	.	PUNCT
inlawrev-3746	255	1	50	50	NUM
inlawrev-3746	255	2	conversely	conversely	ADV
inlawrev-3746	255	3	,	,	PUNCT
inlawrev-3746	255	4	pennsylvania	pennsylvania	PROPN
inlawrev-3746	255	5	does	do	AUX
inlawrev-3746	255	6	not	not	PART
inlawrev-3746	255	7	require	require	VERB
inlawrev-3746	255	8	default	default	NOUN
inlawrev-3746	255	9	and	and	CCONJ
inlawrev-3746	255	10	acceleration	acceleration	NOUN
inlawrev-3746	255	11	notices	notice	NOUN
inlawrev-3746	255	12	where	where	SCONJ
inlawrev-3746	255	13	the	the	DET
inlawrev-3746	255	14	principal	principal	NOUN
inlawrev-3746	255	15	on	on	ADP
inlawrev-3746	255	16	the	the	DET
inlawrev-3746	255	17	loan	loan	NOUN
inlawrev-3746	255	18	exceeds	exceed	VERB
inlawrev-3746	255	19	$	$	SYM
inlawrev-3746	255	20	50,000	50,000	NUM
inlawrev-3746	255	21	,	,	PUNCT
inlawrev-3746	255	22	but	but	CCONJ
inlawrev-3746	255	23	requires	require	VERB
inlawrev-3746	255	24	thirty	thirty	NUM
inlawrev-3746	255	25	days	day	NOUN
inlawrev-3746	255	26	notice	notice	NOUN
inlawrev-3746	255	27	before	before	ADP
inlawrev-3746	255	28	acceleration	acceleration	NOUN
inlawrev-3746	255	29	or	or	CCONJ
inlawrev-3746	255	30	the	the	DET
inlawrev-3746	255	31	commencement	commencement	NOUN
inlawrev-3746	255	32	of	of	ADP
inlawrev-3746	255	33	legal	legal	ADJ
inlawrev-3746	255	34	action	action	NOUN
inlawrev-3746	255	35	for	for	ADP
inlawrev-3746	255	36	residential	residential	ADJ
inlawrev-3746	255	37	mortgages	mortgage	NOUN
inlawrev-3746	255	38	that	that	PRON
inlawrev-3746	255	39	are	be	AUX
inlawrev-3746	255	40	below	below	ADP
inlawrev-3746	255	41	that	that	DET
inlawrev-3746	255	42	amount	amount	NOUN
inlawrev-3746	255	43	.	.	PUNCT
inlawrev-3746	256	1	51	51	NUM
inlawrev-3746	256	2	pennsylvania	pennsylvania	PROPN
inlawrev-3746	256	3	's	's	PART
inlawrev-3746	256	4	notice	notice	NOUN
inlawrev-3746	256	5	provision	provision	NOUN
inlawrev-3746	256	6	is	be	AUX
inlawrev-3746	256	7	evidence	evidence	NOUN
inlawrev-3746	256	8	of	of	ADP
inlawrev-3746	256	9	the	the	DET
inlawrev-3746	256	10	infinite	infinite	ADJ
inlawrev-3746	256	11	statutory	statutory	ADJ
inlawrev-3746	256	12	variations	variation	NOUN
inlawrev-3746	256	13	that	that	PRON
inlawrev-3746	256	14	exist	exist	VERB
inlawrev-3746	256	15	among	among	ADP
inlawrev-3746	256	16	states	state	NOUN
inlawrev-3746	256	17	.	.	PUNCT
inlawrev-3746	257	1	mississippi	mississippi	PROPN
inlawrev-3746	257	2	has	have	AUX
inlawrev-3746	257	3	shared	share	VERB
inlawrev-3746	257	4	similar	similar	ADJ
inlawrev-3746	257	5	problems	problem	NOUN
inlawrev-3746	257	6	with	with	ADP
inlawrev-3746	257	7	high	high	ADJ
inlawrev-3746	257	8	foreclosure	foreclosure	NOUN
inlawrev-3746	257	9	rates	rate	NOUN
inlawrev-3746	257	10	in	in	ADP
inlawrev-3746	257	11	the	the	DET
inlawrev-3746	257	12	past	past	ADJ
inlawrev-3746	257	13	few	few	ADJ
inlawrev-3746	257	14	years	year	NOUN
inlawrev-3746	257	15	,	,	PUNCT
inlawrev-3746	257	16	where	where	SCONJ
inlawrev-3746	257	17	2.27	2.27	NUM
inlawrev-3746	257	18	%	%	NOUN
inlawrev-3746	257	19	of	of	ADP
inlawrev-3746	257	20	mortgages	mortgage	NOUN
inlawrev-3746	257	21	in	in	ADP
inlawrev-3746	257	22	the	the	DET
inlawrev-3746	257	23	state	state	NOUN
inlawrev-3746	257	24	foreclosed	foreclose	VERB
inlawrev-3746	257	25	in	in	ADP
inlawrev-3746	257	26	the	the	DET
inlawrev-3746	257	27	second	second	ADJ
inlawrev-3746	257	28	quarter	quarter	NOUN
inlawrev-3746	257	29	of2004	of2004	NOUN
inlawrev-3746	257	30	.	.	PUNCT
inlawrev-3746	258	1	52	52	NUM
inlawrev-3746	258	2	however	however	ADV
inlawrev-3746	258	3	,	,	PUNCT
inlawrev-3746	258	4	unlike	unlike	ADP
inlawrev-3746	258	5	most	most	ADJ
inlawrev-3746	258	6	other	other	ADJ
inlawrev-3746	258	7	states	state	NOUN
inlawrev-3746	258	8	with	with	ADP
inlawrev-3746	258	9	high	high	ADJ
inlawrev-3746	258	10	rates	rate	NOUN
inlawrev-3746	258	11	,	,	PUNCT
inlawrev-3746	258	12	mississippi	mississippi	PROPN
inlawrev-3746	258	13	is	be	AUX
inlawrev-3746	258	14	a	a	DET
inlawrev-3746	258	15	nonjudicial	nonjudicial	ADJ
inlawrev-3746	258	16	(	(	PUNCT
inlawrev-3746	258	17	or	or	CCONJ
inlawrev-3746	258	18	power	power	NOUN
inlawrev-3746	258	19	-	-	PUNCT
inlawrev-3746	258	20	of	of	ADP
inlawrev-3746	258	21	-	-	PUNCT
inlawrev-3746	258	22	sale	sale	NOUN
inlawrev-3746	258	23	)	)	PUNCT
inlawrev-3746	258	24	foreclosure	foreclosure	NOUN
inlawrev-3746	258	25	state	state	NOUN
inlawrev-3746	258	26	.	.	PUNCT
inlawrev-3746	259	1	53	53	NUM
inlawrev-3746	259	2	because	because	SCONJ
inlawrev-3746	259	3	the	the	DET
inlawrev-3746	259	4	state	state	NOUN
inlawrev-3746	259	5	permits	permit	VERB
inlawrev-3746	259	6	nonjudicial	nonjudicial	ADJ
inlawrev-3746	259	7	foreclosures	foreclosure	NOUN
inlawrev-3746	259	8	,	,	PUNCT
inlawrev-3746	259	9	lenders	lender	NOUN
inlawrev-3746	259	10	rarely	rarely	ADV
inlawrev-3746	259	11	use	use	VERB
inlawrev-3746	259	12	judicial	judicial	ADJ
inlawrev-3746	259	13	foreclosures	foreclosure	NOUN
inlawrev-3746	259	14	unless	unless	SCONJ
inlawrev-3746	259	15	there	there	PRON
inlawrev-3746	259	16	is	be	VERB
inlawrev-3746	259	17	an	an	DET
inlawrev-3746	259	18	error	error	NOUN
inlawrev-3746	259	19	in	in	ADP
inlawrev-3746	259	20	the	the	DET
inlawrev-3746	259	21	deed	deed	NOUN
inlawrev-3746	259	22	that	that	PRON
inlawrev-3746	259	23	prevents	prevent	VERB
inlawrev-3746	259	24	a	a	DET
inlawrev-3746	259	25	nonjudicial	nonjudicial	ADJ
inlawrev-3746	259	26	foreclosure	foreclosure	NOUN
inlawrev-3746	259	27	.	.	PUNCT
inlawrev-3746	260	1	54	54	NUM
inlawrev-3746	260	2	in	in	ADP
inlawrev-3746	260	3	fact	fact	NOUN
inlawrev-3746	260	4	,	,	PUNCT
inlawrev-3746	260	5	most	most	ADJ
inlawrev-3746	260	6	of	of	ADP
inlawrev-3746	260	7	mississippi	mississippi	NOUN
inlawrev-3746	260	8	's	's	PART
inlawrev-3746	260	9	laws	law	NOUN
inlawrev-3746	260	10	make	make	VERB
inlawrev-3746	260	11	the	the	DET
inlawrev-3746	260	12	state	state	NOUN
inlawrev-3746	260	13	more	more	ADV
inlawrev-3746	260	14	pro	pro	ADJ
inlawrev-3746	260	15	-	-	ADJ
inlawrev-3746	260	16	lender	lender	ADJ
inlawrev-3746	260	17	than	than	ADP
inlawrev-3746	260	18	other	other	ADJ
inlawrev-3746	260	19	states	state	NOUN
inlawrev-3746	260	20	with	with	ADP
inlawrev-3746	260	21	high	high	ADJ
inlawrev-3746	260	22	foreclosure	foreclosure	NOUN
inlawrev-3746	260	23	rates	rate	NOUN
inlawrev-3746	260	24	.	.	PUNCT
inlawrev-3746	261	1	except	except	SCONJ
inlawrev-3746	261	2	in	in	ADP
inlawrev-3746	261	3	some	some	DET
inlawrev-3746	261	4	cases	case	NOUN
inlawrev-3746	261	5	where	where	SCONJ
inlawrev-3746	261	6	there	there	PRON
inlawrev-3746	261	7	was	be	VERB
inlawrev-3746	261	8	course	course	NOUN
inlawrev-3746	261	9	of	of	ADP
inlawrev-3746	261	10	dealing	deal	VERB
inlawrev-3746	261	11	between	between	ADP
inlawrev-3746	261	12	the	the	DET
inlawrev-3746	261	13	mortgagor	mortgagor	NOUN
inlawrev-3746	261	14	and	and	CCONJ
inlawrev-3746	261	15	mortgagee	mortgagee	PROPN
inlawrev-3746	261	16	,	,	PUNCT
inlawrev-3746	261	17	mississippi	mississippi	PROPN
inlawrev-3746	261	18	does	do	AUX
inlawrev-3746	261	19	not	not	PART
inlawrev-3746	261	20	require	require	VERB
inlawrev-3746	261	21	written	write	VERB
inlawrev-3746	261	22	notice	notice	NOUN
inlawrev-3746	261	23	ofeither	ofeither	ADJ
inlawrev-3746	261	24	default	default	NOUN
inlawrev-3746	261	25	or	or	CCONJ
inlawrev-3746	261	26	acceleration	acceleration	NOUN
inlawrev-3746	261	27	.	.	PUNCT
inlawrev-3746	262	1	55	55	NUM
inlawrev-3746	262	2	furthermore	furthermore	ADV
inlawrev-3746	262	3	,	,	PUNCT
inlawrev-3746	262	4	redemption	redemption	NOUN
inlawrev-3746	262	5	rights	right	NOUN
inlawrev-3746	262	6	are	be	AUX
inlawrev-3746	262	7	only	only	ADV
inlawrev-3746	262	8	available	available	ADJ
inlawrev-3746	262	9	before	before	ADP
inlawrev-3746	262	10	a	a	DET
inlawrev-3746	262	11	valid	valid	ADJ
inlawrev-3746	262	12	foreclosure	foreclosure	NOUN
inlawrev-3746	262	13	sale	sale	NOUN
inlawrev-3746	262	14	.	.	PUNCT
inlawrev-3746	263	1	56	56	NUM
inlawrev-3746	263	2	c.	c.	PROPN
inlawrev-3746	263	3	foreclosure	foreclosure	NOUN
inlawrev-3746	263	4	law	law	NOUN
inlawrev-3746	263	5	in	in	ADP
inlawrev-3746	263	6	states	state	NOUN
inlawrev-3746	263	7	with	with	ADP
inlawrev-3746	263	8	low	low	ADJ
inlawrev-3746	263	9	foreclosure	foreclosure	NOUN
inlawrev-3746	263	10	rates	rate	NOUN
inlawrev-3746	263	11	at	at	ADP
inlawrev-3746	263	12	the	the	DET
inlawrev-3746	263	13	same	same	ADJ
inlawrev-3746	263	14	time	time	NOUN
inlawrev-3746	263	15	that	that	PRON
inlawrev-3746	263	16	the	the	DET
inlawrev-3746	263	17	national	national	ADJ
inlawrev-3746	263	18	foreclosure	foreclosure	NOUN
inlawrev-3746	263	19	rate	rate	NOUN
inlawrev-3746	263	20	has	have	AUX
inlawrev-3746	263	21	been	be	AUX
inlawrev-3746	263	22	on	on	ADP
inlawrev-3746	263	23	the	the	DET
inlawrev-3746	263	24	rise	rise	NOUN
inlawrev-3746	263	25	and	and	CCONJ
inlawrev-3746	263	26	at	at	ADP
inlawrev-3746	263	27	all	all	DET
inlawrev-3746	263	28	-	-	PUNCT
inlawrev-3746	263	29	time	time	NOUN
inlawrev-3746	263	30	highs	high	NOUN
inlawrev-3746	263	31	,	,	PUNCT
inlawrev-3746	263	32	some	some	DET
inlawrev-3746	263	33	states	state	NOUN
inlawrev-3746	263	34	have	have	AUX
inlawrev-3746	263	35	managed	manage	VERB
inlawrev-3746	263	36	to	to	PART
inlawrev-3746	263	37	keep	keep	VERB
inlawrev-3746	263	38	foreclosures	foreclosure	NOUN
inlawrev-3746	263	39	to	to	ADP
inlawrev-3746	263	40	a	a	DET
inlawrev-3746	263	41	minimum	minimum	NOUN
inlawrev-3746	263	42	.	.	PUNCT
inlawrev-3746	264	1	although	although	SCONJ
inlawrev-3746	264	2	some	some	DET
inlawrev-3746	264	3	uncontrollable	uncontrollable	ADJ
inlawrev-3746	264	4	factors	factor	NOUN
inlawrev-3746	264	5	such	such	ADJ
inlawrev-3746	264	6	as	as	ADP
inlawrev-3746	264	7	geographic	geographic	ADJ
inlawrev-3746	264	8	location	location	NOUN
inlawrev-3746	264	9	can	can	AUX
inlawrev-3746	264	10	affect	affect	VERB
inlawrev-3746	264	11	a	a	DET
inlawrev-3746	264	12	state	state	NOUN
inlawrev-3746	264	13	's	's	PART
inlawrev-3746	264	14	ability	ability	NOUN
inlawrev-3746	264	15	to	to	PART
inlawrev-3746	264	16	limit	limit	VERB
inlawrev-3746	264	17	foreclosures	foreclosure	NOUN
inlawrev-3746	264	18	,	,	PUNCT
inlawrev-3746	264	19	57	57	NUM
inlawrev-3746	264	20	the	the	DET
inlawrev-3746	264	21	structure	structure	NOUN
inlawrev-3746	264	22	ofthe	ofthe	NOUN
inlawrev-3746	264	23	laws	law	NOUN
inlawrev-3746	264	24	ofthese	ofthese	ADJ
inlawrev-3746	264	25	states	state	NOUN
inlawrev-3746	264	26	also	also	ADV
inlawrev-3746	264	27	49	49	NUM
inlawrev-3746	264	28	.	.	PUNCT
inlawrev-3746	265	1	pennsylvania	pennsylvania	PROPN
inlawrev-3746	265	2	's	's	PART
inlawrev-3746	265	3	foreclosure	foreclosure	NOUN
inlawrev-3746	265	4	rate	rate	NOUN
inlawrev-3746	265	5	for	for	ADP
inlawrev-3746	265	6	the	the	DET
inlawrev-3746	265	7	second	second	ADJ
inlawrev-3746	265	8	quarter	quarter	NOUN
inlawrev-3746	265	9	in	in	ADP
inlawrev-3746	265	10	2004	2004	NUM
inlawrev-3746	265	11	was	be	AUX
inlawrev-3746	265	12	1.94	1.94	NUM
inlawrev-3746	265	13	%	%	NOUN
inlawrev-3746	265	14	.	.	PUNCT
inlawrev-3746	266	1	mitchell	mitchell	PROPN
inlawrev-3746	266	2	,	,	PUNCT
inlawrev-3746	266	3	supra	supra	PROPN
inlawrev-3746	266	4	note	note	NOUN
inlawrev-3746	266	5	2	2	NUM
inlawrev-3746	266	6	,	,	PUNCT
inlawrev-3746	266	7	at	at	ADP
inlawrev-3746	266	8	el	el	PROPN
inlawrev-3746	266	9	.	.	PUNCT
inlawrev-3746	267	1	50	50	NUM
inlawrev-3746	267	2	.	.	PUNCT
inlawrev-3746	268	1	pa	pa	PROPN
inlawrev-3746	268	2	.	.	PROPN
inlawrev-3746	268	3	r.crv	r.crv	PROPN
inlawrev-3746	268	4	.	.	PUNCT
inlawrev-3746	269	1	p.	p.	NOUN
inlawrev-3746	269	2	1141(2004	1141(2004	NUM
inlawrev-3746	269	3	)	)	PUNCT
inlawrev-3746	269	4	.	.	PUNCT
inlawrev-3746	270	1	51	51	NUM
inlawrev-3746	270	2	.	.	X
inlawrev-3746	270	3	41	41	NUM
inlawrev-3746	270	4	pa	pa	PROPN
inlawrev-3746	270	5	.	.	PROPN
inlawrev-3746	270	6	cons	cons	PROPN
inlawrev-3746	270	7	.	.	PUNCT
inlawrev-3746	271	1	stat	stat	PROPN
inlawrev-3746	271	2	.	.	PUNCT
inlawrev-3746	272	1	§	§	PROPN
inlawrev-3746	272	2	101	101	NUM
inlawrev-3746	272	3	(	(	PUNCT
inlawrev-3746	272	4	2004	2004	NUM
inlawrev-3746	272	5	)	)	PUNCT
inlawrev-3746	272	6	.	.	PUNCT
inlawrev-3746	273	1	the	the	DET
inlawrev-3746	273	2	likely	likely	ADJ
inlawrev-3746	273	3	justification	justification	NOUN
inlawrev-3746	273	4	for	for	ADP
inlawrev-3746	273	5	this	this	DET
inlawrev-3746	273	6	distinction	distinction	NOUN
inlawrev-3746	273	7	is	be	AUX
inlawrev-3746	273	8	that	that	SCONJ
inlawrev-3746	273	9	borrowers	borrower	NOUN
inlawrev-3746	273	10	are	be	AUX
inlawrev-3746	273	11	more	more	ADV
inlawrev-3746	273	12	likely	likely	ADJ
inlawrev-3746	273	13	to	to	PART
inlawrev-3746	273	14	be	be	AUX
inlawrev-3746	273	15	able	able	ADJ
inlawrev-3746	273	16	to	to	PART
inlawrev-3746	273	17	pay	pay	VERB
inlawrev-3746	273	18	off	off	ADP
inlawrev-3746	273	19	the	the	DET
inlawrev-3746	273	20	balance	balance	NOUN
inlawrev-3746	273	21	of	of	ADP
inlawrev-3746	273	22	their	their	PRON
inlawrev-3746	273	23	mortgage	mortgage	NOUN
inlawrev-3746	273	24	when	when	SCONJ
inlawrev-3746	273	25	it	it	PRON
inlawrev-3746	273	26	is	be	AUX
inlawrev-3746	273	27	below	below	ADP
inlawrev-3746	273	28	a	a	DET
inlawrev-3746	273	29	certain	certain	ADJ
inlawrev-3746	273	30	amount	amount	NOUN
inlawrev-3746	273	31	,	,	PUNCT
inlawrev-3746	273	32	and	and	CCONJ
inlawrev-3746	273	33	the	the	DET
inlawrev-3746	273	34	state	state	NOUN
inlawrev-3746	273	35	may	may	AUX
inlawrev-3746	273	36	see	see	VERB
inlawrev-3746	273	37	it	it	PRON
inlawrev-3746	273	38	unjust	unjust	ADJ
inlawrev-3746	273	39	to	to	PART
inlawrev-3746	273	40	strip	strip	VERB
inlawrev-3746	273	41	a	a	DET
inlawrev-3746	273	42	homeowner	homeowner	NOUN
inlawrev-3746	273	43	oftheir	oftheir	DET
inlawrev-3746	273	44	property	property	NOUN
inlawrev-3746	273	45	without	without	ADP
inlawrev-3746	273	46	time	time	NOUN
inlawrev-3746	273	47	to	to	PART
inlawrev-3746	273	48	react	react	VERB
inlawrev-3746	273	49	when	when	SCONJ
inlawrev-3746	273	50	they	they	PRON
inlawrev-3746	273	51	are	be	AUX
inlawrev-3746	273	52	close	close	ADJ
inlawrev-3746	273	53	to	to	ADP
inlawrev-3746	273	54	having	have	VERB
inlawrev-3746	273	55	full	full	ADJ
inlawrev-3746	273	56	equity	equity	NOUN
inlawrev-3746	273	57	in	in	ADP
inlawrev-3746	273	58	the	the	DET
inlawrev-3746	273	59	property	property	NOUN
inlawrev-3746	273	60	.	.	PUNCT
inlawrev-3746	274	1	in	in	ADP
inlawrev-3746	274	2	addition	addition	NOUN
inlawrev-3746	274	3	,	,	PUNCT
inlawrev-3746	274	4	low	low	ADJ
inlawrev-3746	274	5	-	-	PUNCT
inlawrev-3746	274	6	income	income	NOUN
inlawrev-3746	274	7	mortgagors	mortgagor	NOUN
inlawrev-3746	274	8	are	be	AUX
inlawrev-3746	274	9	more	more	ADV
inlawrev-3746	274	10	likely	likely	ADJ
inlawrev-3746	274	11	to	to	PART
inlawrev-3746	274	12	have	have	VERB
inlawrev-3746	274	13	lower	low	ADJ
inlawrev-3746	274	14	mortgage	mortgage	NOUN
inlawrev-3746	274	15	amounts	amount	NOUN
inlawrev-3746	274	16	and	and	CCONJ
inlawrev-3746	274	17	be	be	AUX
inlawrev-3746	274	18	in	in	ADP
inlawrev-3746	274	19	need	need	NOUN
inlawrev-3746	274	20	ofextra	ofextra	ADJ
inlawrev-3746	274	21	protection	protection	NOUN
inlawrev-3746	274	22	from	from	ADP
inlawrev-3746	274	23	the	the	DET
inlawrev-3746	274	24	state	state	NOUN
inlawrev-3746	274	25	.	.	PUNCT
inlawrev-3746	275	1	52	52	NUM
inlawrev-3746	275	2	.	.	PUNCT
inlawrev-3746	276	1	mitchell	mitchell	PROPN
inlawrev-3746	276	2	,	,	PUNCT
inlawrev-3746	276	3	supra	supra	PROPN
inlawrev-3746	276	4	note	note	NOUN
inlawrev-3746	276	5	2	2	NUM
inlawrev-3746	276	6	,	,	PUNCT
inlawrev-3746	276	7	at	at	ADP
inlawrev-3746	276	8	e	e	X
inlawrev-3746	276	9	1	1	NUM
inlawrev-3746	276	10	.	.	PUNCT
inlawrev-3746	277	1	53	53	NUM
inlawrev-3746	277	2	.	.	PUNCT
inlawrev-3746	277	3	femiss	femiss	ADJ
inlawrev-3746	277	4	.	.	PUNCT
inlawrev-3746	278	1	code	code	PROPN
inlawrev-3746	278	2	ann	ann	PROPN
inlawrev-3746	278	3	.	.	PUNCT
inlawrev-3746	279	1	§	§	PROPN
inlawrev-3746	279	2	89	89	NUM
inlawrev-3746	279	3	-	-	SYM
inlawrev-3746	279	4	1	1	NUM
inlawrev-3746	279	5	-	-	SYM
inlawrev-3746	279	6	55	55	NUM
inlawrev-3746	279	7	(	(	PUNCT
inlawrev-3746	279	8	1999	1999	NUM
inlawrev-3746	279	9	)	)	PUNCT
inlawrev-3746	279	10	.	.	PUNCT
inlawrev-3746	280	1	54	54	NUM
inlawrev-3746	280	2	.	.	PUNCT
inlawrev-3746	280	3	keyles	keyle	NOUN
inlawrev-3746	280	4	,	,	PUNCT
inlawrev-3746	280	5	supra	supra	PROPN
inlawrev-3746	280	6	note	note	PROPN
inlawrev-3746	280	7	26	26	NUM
inlawrev-3746	280	8	,	,	PUNCT
inlawrev-3746	280	9	at	at	ADP
inlawrev-3746	280	10	319	319	NUM
inlawrev-3746	280	11	.	.	PUNCT
inlawrev-3746	281	1	55	55	NUM
inlawrev-3746	281	2	.	.	PUNCT
inlawrev-3746	282	1	i	i	PRON
inlawrev-3746	282	2	d.	d.	PROPN
inlawrev-3746	282	3	56	56	NUM
inlawrev-3746	282	4	.	.	PUNCT
inlawrev-3746	282	5	miss	miss	PROPN
inlawrev-3746	282	6	.	.	PUNCT
inlawrev-3746	283	1	code	code	PROPN
inlawrev-3746	283	2	ann	ann	PROPN
inlawrev-3746	283	3	.	.	PUNCT
inlawrev-3746	284	1	§	§	PROPN
inlawrev-3746	284	2	89	89	NUM
inlawrev-3746	284	3	-	-	SYM
inlawrev-3746	284	4	1	1	NUM
inlawrev-3746	284	5	-	-	SYM
inlawrev-3746	284	6	59	59	NUM
inlawrev-3746	284	7	(	(	PUNCT
inlawrev-3746	284	8	1999	1999	NUM
inlawrev-3746	284	9	)	)	PUNCT
inlawrev-3746	284	10	.	.	PUNCT
inlawrev-3746	285	1	57	57	NUM
inlawrev-3746	285	2	.	.	PUNCT
inlawrev-3746	286	1	the	the	DET
inlawrev-3746	286	2	foreclosure	foreclosure	NOUN
inlawrev-3746	286	3	rate	rate	NOUN
inlawrev-3746	286	4	among	among	ADP
inlawrev-3746	286	5	regions	region	NOUN
inlawrev-3746	286	6	ofthe	ofthe	VERB
inlawrev-3746	286	7	united	united	PROPN
inlawrev-3746	286	8	states	states	PROPN
inlawrev-3746	286	9	can	can	AUX
inlawrev-3746	286	10	vary	vary	VERB
inlawrev-3746	286	11	drastically	drastically	ADV
inlawrev-3746	286	12	,	,	PUNCT
inlawrev-3746	286	13	even	even	ADV
inlawrev-3746	286	14	though	though	SCONJ
inlawrev-3746	286	15	economic	economic	ADJ
inlawrev-3746	286	16	conditions	condition	NOUN
inlawrev-3746	286	17	and	and	CCONJ
inlawrev-3746	286	18	foreclosure	foreclosure	NOUN
inlawrev-3746	286	19	laws	law	NOUN
inlawrev-3746	286	20	may	may	AUX
inlawrev-3746	286	21	be	be	AUX
inlawrev-3746	286	22	the	the	DET
inlawrev-3746	286	23	same	same	ADJ
inlawrev-3746	286	24	.	.	PUNCT
inlawrev-3746	287	1	in	in	ADP
inlawrev-3746	287	2	the	the	DET
inlawrev-3746	287	3	fourth	fourth	ADJ
inlawrev-3746	287	4	quarter	quarter	NOUN
inlawrev-3746	287	5	of	of	ADP
inlawrev-3746	287	6	2004	2004	NUM
inlawrev-3746	287	7	,	,	PUNCT
inlawrev-3746	287	8	the	the	DET
inlawrev-3746	287	9	foreclosure	foreclosure	NOUN
inlawrev-3746	287	10	rate	rate	NOUN
inlawrev-3746	287	11	in	in	ADP
inlawrev-3746	287	12	the	the	DET
inlawrev-3746	287	13	north	north	NOUN
inlawrev-3746	287	14	central	central	ADJ
inlawrev-3746	287	15	region	region	NOUN
inlawrev-3746	287	16	ofthe	ofthe	PROPN
inlawrev-3746	287	17	united	united	PROPN
inlawrev-3746	287	18	states	states	PROPN
inlawrev-3746	287	19	was	be	AUX
inlawrev-3746	287	20	1	1	NUM
inlawrev-3746	287	21	.75	.75	NUM
inlawrev-3746	287	22	%	%	NOUN
inlawrev-3746	287	23	,	,	PUNCT
inlawrev-3746	287	24	whereas	whereas	SCONJ
inlawrev-3746	287	25	the	the	DET
inlawrev-3746	287	26	foreclosure	foreclosure	NOUN
inlawrev-3746	287	27	rate	rate	NOUN
inlawrev-3746	287	28	in	in	ADP
inlawrev-3746	287	29	the	the	DET
inlawrev-3746	287	30	west	west	PROPN
inlawrev-3746	287	31	region	region	NOUN
inlawrev-3746	287	32	was	be	AUX
inlawrev-3746	287	33	only	only	ADV
inlawrev-3746	287	34	0.68	0.68	NUM
inlawrev-3746	287	35	%	%	NOUN
inlawrev-3746	287	36	.	.	PUNCT
inlawrev-3746	288	1	press	press	NOUN
inlawrev-3746	288	2	release	release	NOUN
inlawrev-3746	288	3	,	,	PUNCT
inlawrev-3746	288	4	mortgage	mortgage	NOUN
inlawrev-3746	288	5	bankers	bankers	PROPN
inlawrev-3746	288	6	association	association	PROPN
inlawrev-3746	288	7	,	,	PUNCT
inlawrev-3746	288	8	residential	residential	ADJ
inlawrev-3746	288	9	96	96	NUM
inlawrev-3746	288	10	indiana	indiana	PROPN
inlawrev-3746	288	11	law	law	PROPN
inlawrev-3746	288	12	review	review	NOUN
inlawrev-3746	289	1	[	[	X
inlawrev-3746	289	2	vol	vol	NOUN
inlawrev-3746	289	3	.	.	PUNCT
inlawrev-3746	289	4	39:87	39:87	NUM
inlawrev-3746	289	5	contributes	contribute	VERB
inlawrev-3746	289	6	to	to	ADP
inlawrev-3746	289	7	their	their	PRON
inlawrev-3746	289	8	relative	relative	ADJ
inlawrev-3746	289	9	success	success	NOUN
inlawrev-3746	289	10	.	.	PUNCT
inlawrev-3746	290	1	over	over	ADP
inlawrev-3746	290	2	the	the	DET
inlawrev-3746	290	3	past	past	ADJ
inlawrev-3746	290	4	few	few	ADJ
inlawrev-3746	290	5	years	year	NOUN
inlawrev-3746	290	6	,	,	PUNCT
inlawrev-3746	290	7	states	state	NOUN
inlawrev-3746	290	8	such	such	ADJ
inlawrev-3746	290	9	as	as	ADP
inlawrev-3746	290	10	california	california	PROPN
inlawrev-3746	290	11	,	,	PUNCT
inlawrev-3746	290	12	alaska	alaska	PROPN
inlawrev-3746	290	13	,	,	PUNCT
inlawrev-3746	290	14	newhampshire	newhampshire	NOUN
inlawrev-3746	290	15	and	and	CCONJ
inlawrev-3746	290	16	wyoming	wyoming	PROPN
inlawrev-3746	290	17	have	have	AUX
inlawrev-3746	290	18	enjoyed	enjoy	VERB
inlawrev-3746	290	19	foreclosure	foreclosure	NOUN
inlawrev-3746	290	20	rates	rate	NOUN
inlawrev-3746	290	21	well	well	ADV
inlawrev-3746	290	22	below	below	ADP
inlawrev-3746	290	23	the	the	DET
inlawrev-3746	290	24	national	national	ADJ
inlawrev-3746	290	25	average	average	NOUN
inlawrev-3746	290	26	.	.	PUNCT
inlawrev-3746	291	1	58	58	NUM
inlawrev-3746	291	2	california	california	PROPN
inlawrev-3746	291	3	,	,	PUNCT
inlawrev-3746	291	4	like	like	ADP
inlawrev-3746	291	5	most	most	ADJ
inlawrev-3746	291	6	states	state	NOUN
inlawrev-3746	291	7	with	with	ADP
inlawrev-3746	291	8	low	low	ADJ
inlawrev-3746	291	9	foreclosure	foreclosure	NOUN
inlawrev-3746	291	10	rates	rate	NOUN
inlawrev-3746	291	11	,	,	PUNCT
inlawrev-3746	291	12	allows	allow	VERB
inlawrev-3746	291	13	nonjudicial	nonjudicial	ADJ
inlawrev-3746	291	14	foreclosure	foreclosure	NOUN
inlawrev-3746	291	15	.	.	PUNCT
inlawrev-3746	292	1	59	59	NUM
inlawrev-3746	292	2	although	although	SCONJ
inlawrev-3746	292	3	nonjudicial	nonjudicial	ADJ
inlawrev-3746	292	4	foreclosures	foreclosure	NOUN
inlawrev-3746	292	5	are	be	AUX
inlawrev-3746	292	6	completed	complete	VERB
inlawrev-3746	292	7	without	without	ADP
inlawrev-3746	292	8	court	court	NOUN
inlawrev-3746	292	9	intervention	intervention	NOUN
inlawrev-3746	292	10	,	,	PUNCT
inlawrev-3746	292	11	they	they	PRON
inlawrev-3746	292	12	are	be	AUX
inlawrev-3746	292	13	still	still	ADV
inlawrev-3746	292	14	included	include	VERB
inlawrev-3746	292	15	in	in	ADP
inlawrev-3746	292	16	the	the	DET
inlawrev-3746	292	17	calculation	calculation	NOUN
inlawrev-3746	292	18	of	of	ADP
inlawrev-3746	292	19	state	state	NOUN
inlawrev-3746	292	20	foreclosure	foreclosure	NOUN
inlawrev-3746	292	21	rates	rate	NOUN
inlawrev-3746	292	22	.	.	PUNCT
inlawrev-3746	293	1	60	60	NUM
inlawrev-3746	293	2	also	also	ADV
inlawrev-3746	293	3	,	,	PUNCT
inlawrev-3746	293	4	unless	unless	SCONJ
inlawrev-3746	293	5	the	the	DET
inlawrev-3746	293	6	loan	loan	NOUN
inlawrev-3746	293	7	agreement	agreement	NOUN
inlawrev-3746	293	8	provides	provide	VERB
inlawrev-3746	293	9	otherwise	otherwise	ADV
inlawrev-3746	293	10	,	,	PUNCT
inlawrev-3746	293	11	california	california	PROPN
inlawrev-3746	293	12	does	do	AUX
inlawrev-3746	293	13	not	not	PART
inlawrev-3746	293	14	require	require	VERB
inlawrev-3746	293	15	notice	notice	NOUN
inlawrev-3746	293	16	of	of	ADP
inlawrev-3746	293	17	default	default	NOUN
inlawrev-3746	293	18	,	,	PUNCT
inlawrev-3746	293	19	but	but	CCONJ
inlawrev-3746	293	20	does	do	AUX
inlawrev-3746	293	21	require	require	VERB
inlawrev-3746	293	22	notice	notice	NOUN
inlawrev-3746	293	23	of	of	ADP
inlawrev-3746	293	24	acceleration	acceleration	NOUN
inlawrev-3746	293	25	unless	unless	SCONJ
inlawrev-3746	293	26	the	the	DET
inlawrev-3746	293	27	agreement	agreement	NOUN
inlawrev-3746	293	28	expressly	expressly	ADV
inlawrev-3746	293	29	states	state	VERB
inlawrev-3746	293	30	that	that	SCONJ
inlawrev-3746	293	31	the	the	DET
inlawrev-3746	293	32	lender	lender	NOUN
inlawrev-3746	293	33	has	have	VERB
inlawrev-3746	293	34	the	the	DET
inlawrev-3746	293	35	right	right	NOUN
inlawrev-3746	293	36	to	to	PART
inlawrev-3746	293	37	accelerate	accelerate	VERB
inlawrev-3746	293	38	the	the	DET
inlawrev-3746	293	39	debt	debt	NOUN
inlawrev-3746	293	40	.	.	PUNCT
inlawrev-3746	294	1	61	61	NUM
inlawrev-3746	294	2	this	this	DET
inlawrev-3746	294	3	provision	provision	NOUN
inlawrev-3746	294	4	gives	give	VERB
inlawrev-3746	294	5	lenders	lender	NOUN
inlawrev-3746	294	6	the	the	DET
inlawrev-3746	294	7	right	right	NOUN
inlawrev-3746	294	8	to	to	PART
inlawrev-3746	294	9	control	control	VERB
inlawrev-3746	294	10	their	their	PRON
inlawrev-3746	294	11	mortgages	mortgage	NOUN
inlawrev-3746	294	12	at	at	ADP
inlawrev-3746	294	13	the	the	DET
inlawrev-3746	294	14	outset	outset	NOUN
inlawrev-3746	294	15	,	,	PUNCT
inlawrev-3746	294	16	a	a	DET
inlawrev-3746	294	17	benefit	benefit	NOUN
inlawrev-3746	294	18	not	not	PART
inlawrev-3746	294	19	given	give	VERB
inlawrev-3746	294	20	to	to	ADP
inlawrev-3746	294	21	unknowledgeable	unknowledgeable	ADJ
inlawrev-3746	294	22	borrowers	borrower	NOUN
inlawrev-3746	294	23	.	.	PUNCT
inlawrev-3746	295	1	california	california	PROPN
inlawrev-3746	295	2	permits	permit	VERB
inlawrev-3746	295	3	redemption	redemption	NOUN
inlawrev-3746	295	4	until	until	ADP
inlawrev-3746	295	5	the	the	DET
inlawrev-3746	295	6	completion	completion	NOUN
inlawrev-3746	295	7	of	of	ADP
inlawrev-3746	295	8	a	a	DET
inlawrev-3746	295	9	foreclosure	foreclosure	NOUN
inlawrev-3746	295	10	sale	sale	NOUN
inlawrev-3746	295	11	,	,	PUNCT
inlawrev-3746	295	12	which	which	PRON
inlawrev-3746	295	13	does	do	AUX
inlawrev-3746	295	14	give	give	VERB
inlawrev-3746	295	15	some	some	DET
inlawrev-3746	295	16	power	power	NOUN
inlawrev-3746	295	17	to	to	ADP
inlawrev-3746	295	18	mortgagors	mortgagor	NOUN
inlawrev-3746	295	19	.	.	PUNCT
inlawrev-3746	296	1	62	62	NUM
inlawrev-3746	296	2	because	because	SCONJ
inlawrev-3746	296	3	of	of	ADP
inlawrev-3746	296	4	california	california	PROPN
inlawrev-3746	296	5	's	's	PART
inlawrev-3746	296	6	"	"	PUNCT
inlawrev-3746	296	7	unique	unique	ADJ
inlawrev-3746	296	8	"	"	PUNCT
inlawrev-3746	296	9	real	real	ADJ
inlawrev-3746	296	10	estate	estate	NOUN
inlawrev-3746	296	11	market	market	NOUN
inlawrev-3746	296	12	,	,	PUNCT
inlawrev-3746	296	13	it	it	PRON
inlawrev-3746	296	14	is	be	AUX
inlawrev-3746	296	15	likely	likely	ADJ
inlawrev-3746	296	16	that	that	SCONJ
inlawrev-3746	296	17	these	these	DET
inlawrev-3746	296	18	foreclosure	foreclosure	NOUN
inlawrev-3746	296	19	laws	law	NOUN
inlawrev-3746	296	20	have	have	VERB
inlawrev-3746	296	21	less	less	ADJ
inlawrev-3746	296	22	of	of	ADP
inlawrev-3746	296	23	an	an	DET
inlawrev-3746	296	24	effect	effect	NOUN
inlawrev-3746	296	25	on	on	ADP
inlawrev-3746	296	26	its	its	PRON
inlawrev-3746	296	27	foreclosure	foreclosure	NOUN
inlawrev-3746	296	28	rates	rate	NOUN
inlawrev-3746	296	29	than	than	ADP
inlawrev-3746	296	30	those	those	PRON
inlawrev-3746	296	31	in	in	ADP
inlawrev-3746	296	32	other	other	ADJ
inlawrev-3746	296	33	states	state	NOUN
inlawrev-3746	296	34	.	.	PUNCT
inlawrev-3746	297	1	63	63	NUM
inlawrev-3746	297	2	alaska	alaska	PROPN
inlawrev-3746	297	3	similarly	similarly	ADV
inlawrev-3746	297	4	permits	permit	VERB
inlawrev-3746	297	5	nonjudicial	nonjudicial	ADJ
inlawrev-3746	297	6	foreclosure	foreclosure	NOUN
inlawrev-3746	297	7	,	,	PUNCT
inlawrev-3746	297	8	which	which	PRON
inlawrev-3746	297	9	is	be	AUX
inlawrev-3746	297	10	the	the	DET
inlawrev-3746	297	11	primary	primary	ADJ
inlawrev-3746	297	12	foreclosure	foreclosure	NOUN
inlawrev-3746	297	13	method	method	NOUN
inlawrev-3746	297	14	in	in	ADP
inlawrev-3746	297	15	the	the	DET
inlawrev-3746	297	16	state	state	NOUN
inlawrev-3746	297	17	.	.	PUNCT
inlawrev-3746	298	1	64	64	NUM
inlawrev-3746	299	1	like	like	ADP
inlawrev-3746	299	2	many	many	ADJ
inlawrev-3746	299	3	power	power	NOUN
inlawrev-3746	299	4	-	-	PUNCT
inlawrev-3746	299	5	of	of	ADP
inlawrev-3746	299	6	-	-	PUNCT
inlawrev-3746	299	7	sale	sale	NOUN
inlawrev-3746	299	8	foreclosure	foreclosure	NOUN
inlawrev-3746	299	9	states	state	NOUN
inlawrev-3746	299	10	with	with	ADP
inlawrev-3746	299	11	low	low	ADJ
inlawrev-3746	299	12	foreclosure	foreclosure	NOUN
inlawrev-3746	299	13	rates	rate	NOUN
inlawrev-3746	299	14	,	,	PUNCT
inlawrev-3746	299	15	statutory	statutory	ADJ
inlawrev-3746	299	16	rules	rule	NOUN
inlawrev-3746	299	17	differ	differ	VERB
inlawrev-3746	299	18	depending	depend	VERB
inlawrev-3746	299	19	on	on	ADP
inlawrev-3746	299	20	whether	whether	SCONJ
inlawrev-3746	299	21	the	the	DET
inlawrev-3746	299	22	lender	lender	NOUN
inlawrev-3746	299	23	pursues	pursue	VERB
inlawrev-3746	299	24	the	the	DET
inlawrev-3746	299	25	foreclosurejudicially	foreclosurejudicially	ADV
inlawrev-3746	299	26	or	or	CCONJ
inlawrev-3746	299	27	nonjudicially	nonjudicially	ADV
inlawrev-3746	299	28	.	.	PUNCT
inlawrev-3746	300	1	for	for	ADP
inlawrev-3746	300	2	example	example	NOUN
inlawrev-3746	300	3	,	,	PUNCT
inlawrev-3746	300	4	alaska	alaska	PROPN
inlawrev-3746	300	5	does	do	AUX
inlawrev-3746	300	6	not	not	PART
inlawrev-3746	300	7	require	require	VERB
inlawrev-3746	300	8	written	write	VERB
inlawrev-3746	300	9	notice	notice	NOUN
inlawrev-3746	300	10	of	of	ADP
inlawrev-3746	300	11	default	default	NOUN
inlawrev-3746	300	12	and	and	CCONJ
inlawrev-3746	300	13	acceleration	acceleration	NOUN
inlawrev-3746	300	14	for	for	ADP
inlawrev-3746	300	15	judicial	judicial	ADJ
inlawrev-3746	300	16	foreclosure	foreclosure	NOUN
inlawrev-3746	300	17	,	,	PUNCT
inlawrev-3746	300	18	but	but	CCONJ
inlawrev-3746	300	19	does	do	AUX
inlawrev-3746	300	20	require	require	VERB
inlawrev-3746	300	21	notice	notice	NOUN
inlawrev-3746	300	22	ofdefault	ofdefault	NOUN
inlawrev-3746	300	23	for	for	ADP
inlawrev-3746	300	24	nonjudicial	nonjudicial	ADJ
inlawrev-3746	300	25	foreclosure	foreclosure	NOUN
inlawrev-3746	300	26	.	.	PUNCT
inlawrev-3746	301	1	65	65	NUM
inlawrev-3746	301	2	also	also	ADV
inlawrev-3746	301	3	,	,	PUNCT
inlawrev-3746	301	4	the	the	DET
inlawrev-3746	301	5	mortgagor	mortgagor	NOUN
inlawrev-3746	301	6	has	have	VERB
inlawrev-3746	301	7	redemption	redemption	NOUN
inlawrev-3746	301	8	rights	right	NOUN
inlawrev-3746	301	9	for	for	ADP
inlawrev-3746	301	10	nonjudicial	nonjudicial	ADJ
inlawrev-3746	301	11	foreclosure	foreclosure	NOUN
inlawrev-3746	301	12	,	,	PUNCT
inlawrev-3746	301	13	but	but	CCONJ
inlawrev-3746	301	14	not	not	PART
inlawrev-3746	301	15	forjudicial	forjudicial	ADJ
inlawrev-3746	301	16	foreclosure	foreclosure	NOUN
inlawrev-3746	301	17	.	.	PUNCT
inlawrev-3746	302	1	these	these	DET
inlawrev-3746	302	2	distinctions	distinction	NOUN
inlawrev-3746	302	3	strike	strike	VERB
inlawrev-3746	302	4	a	a	DET
inlawrev-3746	302	5	balance	balance	NOUN
inlawrev-3746	302	6	between	between	ADP
inlawrev-3746	302	7	the	the	DET
inlawrev-3746	302	8	power	power	NOUN
inlawrev-3746	302	9	that	that	SCONJ
inlawrev-3746	302	10	nonjudicial	nonjudicial	ADJ
inlawrev-3746	302	11	foreclosure	foreclosure	NOUN
inlawrev-3746	302	12	gives	give	VERB
inlawrev-3746	302	13	to	to	ADP
inlawrev-3746	302	14	lenders	lender	NOUN
inlawrev-3746	302	15	and	and	CCONJ
inlawrev-3746	302	16	the	the	DET
inlawrev-3746	302	17	need	need	NOUN
inlawrev-3746	302	18	to	to	PART
inlawrev-3746	302	19	protect	protect	VERB
inlawrev-3746	302	20	borrowers	borrower	NOUN
inlawrev-3746	302	21	from	from	ADP
inlawrev-3746	302	22	this	this	DET
inlawrev-3746	302	23	extra	extra	ADJ
inlawrev-3746	302	24	mortgage	mortgage	NOUN
inlawrev-3746	302	25	delinquencies	delinquency	NOUN
inlawrev-3746	302	26	continue	continue	VERB
inlawrev-3746	302	27	to	to	PART
inlawrev-3746	302	28	fall	fall	VERB
inlawrev-3746	302	29	while	while	SCONJ
inlawrev-3746	302	30	foreclosures	foreclosure	NOUN
inlawrev-3746	302	31	increase	increase	VERB
inlawrev-3746	302	32	slightly	slightly	ADV
inlawrev-3746	302	33	according	accord	VERB
inlawrev-3746	302	34	to	to	ADP
inlawrev-3746	302	35	mba	mba	PROPN
inlawrev-3746	302	36	's	's	PART
inlawrev-3746	302	37	national	national	PROPN
inlawrev-3746	302	38	delinquency	delinquency	PROPN
inlawrev-3746	302	39	survey	survey	NOUN
inlawrev-3746	302	40	(	(	PUNCT
inlawrev-3746	302	41	mar	mar	PROPN
inlawrev-3746	302	42	.	.	PROPN
inlawrev-3746	302	43	11	11	NUM
inlawrev-3746	302	44	,	,	PUNCT
inlawrev-3746	302	45	2004	2004	NUM
inlawrev-3746	302	46	)	)	PUNCT
inlawrev-3746	302	47	,	,	PUNCT
inlawrev-3746	302	48	available	available	ADJ
inlawrev-3746	302	49	at	at	ADP
inlawrev-3746	302	50	http://www.mbaa.org/	http://www.mbaa.org/	NOUN
inlawrev-3746	302	51	news/2004	news/2004	PROPN
inlawrev-3746	302	52	/	/	SYM
inlawrev-3746	302	53	pr03	pr03	PROPN
inlawrev-3746	302	54	1	1	NUM
inlawrev-3746	302	55	1	1	NUM
inlawrev-3746	302	56	a.html	a.html	ADJ
inlawrev-3746	302	57	.	.	PUNCT
inlawrev-3746	303	1	58	58	NUM
inlawrev-3746	303	2	.	.	PUNCT
inlawrev-3746	304	1	as	as	ADP
inlawrev-3746	304	2	ofthe	ofthe	ADJ
inlawrev-3746	304	3	third	third	ADJ
inlawrev-3746	304	4	quarter	quarter	NOUN
inlawrev-3746	304	5	in	in	ADP
inlawrev-3746	304	6	2002	2002	NUM
inlawrev-3746	304	7	,	,	PUNCT
inlawrev-3746	304	8	the	the	DET
inlawrev-3746	304	9	national	national	ADJ
inlawrev-3746	304	10	average	average	NOUN
inlawrev-3746	304	11	was	be	AUX
inlawrev-3746	304	12	1	1	NUM
inlawrev-3746	304	13	.	.	ADP
inlawrev-3746	304	14	1	1	NUM
inlawrev-3746	304	15	5	5	NUM
inlawrev-3746	304	16	%	%	NOUN
inlawrev-3746	304	17	,	,	PUNCT
inlawrev-3746	304	18	compared	compare	VERB
inlawrev-3746	304	19	to	to	ADP
inlawrev-3746	304	20	california	california	PROPN
inlawrev-3746	304	21	(	(	PUNCT
inlawrev-3746	304	22	0.5	0.5	NUM
inlawrev-3746	304	23	%	%	NOUN
inlawrev-3746	304	24	)	)	PUNCT
inlawrev-3746	304	25	,	,	PUNCT
inlawrev-3746	304	26	alaska	alaska	PROPN
inlawrev-3746	304	27	(	(	PUNCT
inlawrev-3746	304	28	0.4	0.4	NUM
inlawrev-3746	304	29	%	%	NOUN
inlawrev-3746	304	30	)	)	PUNCT
inlawrev-3746	304	31	,	,	PUNCT
inlawrev-3746	304	32	new	new	PROPN
inlawrev-3746	304	33	hampshire	hampshire	PROPN
inlawrev-3746	304	34	(	(	PUNCT
inlawrev-3746	304	35	0.4	0.4	NUM
inlawrev-3746	304	36	%	%	NOUN
inlawrev-3746	304	37	)	)	PUNCT
inlawrev-3746	304	38	,	,	PUNCT
inlawrev-3746	304	39	and	and	CCONJ
inlawrev-3746	304	40	wyoming	wyoming	NOUN
inlawrev-3746	304	41	(	(	PUNCT
inlawrev-3746	304	42	0.5	0.5	NUM
inlawrev-3746	304	43	%	%	NOUN
inlawrev-3746	304	44	)	)	PUNCT
inlawrev-3746	304	45	.	.	PUNCT
inlawrev-3746	305	1	rising	rise	VERB
inlawrev-3746	305	2	foreclosure	foreclosure	NOUN
inlawrev-3746	305	3	rates	rate	NOUN
inlawrev-3746	305	4	in	in	ADP
inlawrev-3746	305	5	indiana	indiana	PROPN
inlawrev-3746	305	6	,	,	PUNCT
inlawrev-3746	305	7	supra	supra	PROPN
inlawrev-3746	305	8	note	note	PROPN
inlawrev-3746	305	9	6	6	NUM
inlawrev-3746	305	10	,	,	PUNCT
inlawrev-3746	305	11	at	at	ADP
inlawrev-3746	305	12	15	15	NUM
inlawrev-3746	305	13	-	-	SYM
inlawrev-3746	305	14	16	16	NUM
inlawrev-3746	305	15	.	.	PUNCT
inlawrev-3746	306	1	59	59	NUM
inlawrev-3746	306	2	.	.	PUNCT
inlawrev-3746	307	1	see	see	VERB
inlawrev-3746	307	2	cal	cal	PROPN
inlawrev-3746	307	3	.	.	PUNCT
inlawrev-3746	308	1	civ	civ	NOUN
inlawrev-3746	308	2	.	.	PUNCT
inlawrev-3746	308	3	code	code	PROPN
inlawrev-3746	308	4	§	§	PROPN
inlawrev-3746	308	5	2924	2924	NUM
inlawrev-3746	308	6	(	(	PUNCT
inlawrev-3746	308	7	west	west	NOUN
inlawrev-3746	308	8	2004	2004	NUM
inlawrev-3746	308	9	)	)	PUNCT
inlawrev-3746	308	10	.	.	PUNCT
inlawrev-3746	309	1	60	60	NUM
inlawrev-3746	309	2	.	.	PUNCT
inlawrev-3746	310	1	reports	report	NOUN
inlawrev-3746	310	2	such	such	ADJ
inlawrev-3746	310	3	as	as	ADP
inlawrev-3746	310	4	the	the	DET
inlawrev-3746	310	5	mortgage	mortgage	NOUN
inlawrev-3746	310	6	bankers	bankers	PROPN
inlawrev-3746	310	7	association	association	PROPN
inlawrev-3746	310	8	delinquency	delinquency	NOUN
inlawrev-3746	310	9	surveys	survey	NOUN
inlawrev-3746	310	10	cover	cover	VERB
inlawrev-3746	310	11	all	all	DET
inlawrev-3746	310	12	government	government	NOUN
inlawrev-3746	310	13	-	-	PUNCT
inlawrev-3746	310	14	insured	insure	VERB
inlawrev-3746	310	15	and	and	CCONJ
inlawrev-3746	310	16	conventional	conventional	ADJ
inlawrev-3746	310	17	loans	loan	NOUN
inlawrev-3746	310	18	in	in	ADP
inlawrev-3746	310	19	their	their	PRON
inlawrev-3746	310	20	results	result	NOUN
inlawrev-3746	310	21	.	.	PUNCT
inlawrev-3746	311	1	6	6	NUM
inlawrev-3746	311	2	1	1	NUM
inlawrev-3746	311	3	.	.	PUNCT
inlawrev-3746	311	4	keyles	keyle	NOUN
inlawrev-3746	311	5	,	,	PUNCT
inlawrev-3746	311	6	supra	supra	PROPN
inlawrev-3746	311	7	note	note	PROPN
inlawrev-3746	311	8	26	26	NUM
inlawrev-3746	311	9	,	,	PUNCT
inlawrev-3746	311	10	at	at	ADP
inlawrev-3746	311	11	37	37	NUM
inlawrev-3746	311	12	.	.	PUNCT
inlawrev-3746	311	13	62	62	NUM
inlawrev-3746	311	14	.	.	PUNCT
inlawrev-3746	312	1	i	i	PRON
inlawrev-3746	312	2	d.	d.	PROPN
inlawrev-3746	312	3	at	at	ADP
inlawrev-3746	312	4	42	42	NUM
inlawrev-3746	312	5	.	.	PUNCT
inlawrev-3746	313	1	63	63	NUM
inlawrev-3746	313	2	.	.	PUNCT
inlawrev-3746	314	1	golden	golden	PROPN
inlawrev-3746	314	2	west	west	PROPN
inlawrev-3746	314	3	financial	financial	PROPN
inlawrev-3746	314	4	corp	corp	PROPN
inlawrev-3746	314	5	.	.	PROPN
inlawrev-3746	314	6	,	,	PUNCT
inlawrev-3746	314	7	san	san	PROPN
inlawrev-3746	314	8	fran	fran	PROPN
inlawrev-3746	314	9	.	.	PUNCT
inlawrev-3746	315	1	chron	chron	PROPN
inlawrev-3746	315	2	.	.	PUNCT
inlawrev-3746	315	3	,	,	PUNCT
inlawrev-3746	315	4	jan	jan	PROPN
inlawrev-3746	315	5	.	.	PROPN
inlawrev-3746	315	6	18	18	NUM
inlawrev-3746	315	7	,	,	PUNCT
inlawrev-3746	315	8	2004	2004	NUM
inlawrev-3746	315	9	,	,	PUNCT
inlawrev-3746	315	10	at	at	ADP
inlawrev-3746	315	11	ii	ii	PROPN
inlawrev-3746	315	12	.	.	PUNCT
inlawrev-3746	316	1	as	as	SCONJ
inlawrev-3746	316	2	opposed	oppose	VERB
inlawrev-3746	316	3	to	to	ADP
inlawrev-3746	316	4	midwest	midwest	PROPN
inlawrev-3746	316	5	states	state	NOUN
inlawrev-3746	316	6	where	where	SCONJ
inlawrev-3746	316	7	farmland	farmland	NOUN
inlawrev-3746	316	8	may	may	AUX
inlawrev-3746	316	9	easily	easily	ADV
inlawrev-3746	316	10	be	be	AUX
inlawrev-3746	316	11	purchased	purchase	VERB
inlawrev-3746	316	12	and	and	CCONJ
inlawrev-3746	316	13	developed	develop	VERB
inlawrev-3746	316	14	,	,	PUNCT
inlawrev-3746	316	15	california	california	PROPN
inlawrev-3746	316	16	has	have	AUX
inlawrev-3746	316	17	limited	limit	VERB
inlawrev-3746	316	18	residential	residential	ADJ
inlawrev-3746	316	19	space	space	NOUN
inlawrev-3746	316	20	.	.	PUNCT
inlawrev-3746	317	1	this	this	PRON
inlawrev-3746	317	2	has	have	AUX
inlawrev-3746	317	3	led	lead	VERB
inlawrev-3746	317	4	to	to	ADP
inlawrev-3746	317	5	appreciation	appreciation	NOUN
inlawrev-3746	317	6	ofproperty	ofproperty	NOUN
inlawrev-3746	317	7	values	value	NOUN
inlawrev-3746	317	8	and	and	CCONJ
inlawrev-3746	317	9	a	a	DET
inlawrev-3746	317	10	"	"	PUNCT
inlawrev-3746	317	11	seller	seller	NOUN
inlawrev-3746	317	12	's	's	PART
inlawrev-3746	317	13	"	"	PUNCT
inlawrev-3746	317	14	market	market	NOUN
inlawrev-3746	317	15	.	.	PUNCT
inlawrev-3746	318	1	"	"	PUNCT
inlawrev-3746	318	2	one	one	NUM
inlawrev-3746	318	3	big	big	ADJ
inlawrev-3746	318	4	market	market	NOUN
inlawrev-3746	318	5	driver	driver	NOUN
inlawrev-3746	318	6	is	be	AUX
inlawrev-3746	318	7	that	that	SCONJ
inlawrev-3746	318	8	housing	housing	NOUN
inlawrev-3746	318	9	demand	demand	NOUN
inlawrev-3746	318	10	is	be	AUX
inlawrev-3746	318	11	greater	great	ADJ
inlawrev-3746	318	12	than	than	ADP
inlawrev-3746	318	13	supply	supply	NOUN
inlawrev-3746	318	14	.	.	PUNCT
inlawrev-3746	318	15	"	"	PUNCT
inlawrev-3746	319	1	alec	alec	PROPN
inlawrev-3746	319	2	rosenberg	rosenberg	PROPN
inlawrev-3746	319	3	,	,	PUNCT
inlawrev-3746	319	4	home	home	NOUN
inlawrev-3746	319	5	prices	price	NOUN
inlawrev-3746	319	6	creep	creep	VERB
inlawrev-3746	319	7	up	up	ADP
inlawrev-3746	319	8	:	:	PUNCT
inlawrev-3746	319	9	bay	bay	NOUN
inlawrev-3746	319	10	area	area	PROPN
inlawrev-3746	319	11	housing	housing	NOUN
inlawrev-3746	319	12	market	market	NOUN
inlawrev-3746	319	13	stays	stay	VERB
inlawrev-3746	319	14	hot	hot	ADJ
inlawrev-3746	319	15	but	but	CCONJ
inlawrev-3746	319	16	increases	increase	NOUN
inlawrev-3746	319	17	may	may	AUX
inlawrev-3746	319	18	slow	slow	VERB
inlawrev-3746	319	19	down	down	ADP
inlawrev-3746	319	20	,	,	PUNCT
inlawrev-3746	319	21	daily	daily	PROPN
inlawrev-3746	319	22	rev	rev	X
inlawrev-3746	319	23	.	.	PUNCT
inlawrev-3746	320	1	(	(	PUNCT
inlawrev-3746	320	2	hayward	hayward	PROPN
inlawrev-3746	320	3	,	,	PUNCT
inlawrev-3746	320	4	cal	cal	PROPN
inlawrev-3746	320	5	.	.	PUNCT
inlawrev-3746	320	6	)	)	PUNCT
inlawrev-3746	320	7	,	,	PUNCT
inlawrev-3746	320	8	sept	sept	PROPN
inlawrev-3746	320	9	.	.	PROPN
inlawrev-3746	320	10	17	17	NUM
inlawrev-3746	320	11	,	,	PUNCT
inlawrev-3746	320	12	2004	2004	NUM
inlawrev-3746	320	13	.	.	PUNCT
inlawrev-3746	321	1	because	because	SCONJ
inlawrev-3746	321	2	property	property	NOUN
inlawrev-3746	321	3	values	value	NOUN
inlawrev-3746	321	4	largely	largely	ADV
inlawrev-3746	321	5	remain	remain	VERB
inlawrev-3746	321	6	above	above	ADP
inlawrev-3746	321	7	mortgage	mortgage	NOUN
inlawrev-3746	321	8	balances	balance	NOUN
inlawrev-3746	321	9	in	in	ADP
inlawrev-3746	321	10	california	california	PROPN
inlawrev-3746	321	11	,	,	PUNCT
inlawrev-3746	321	12	fewer	few	ADJ
inlawrev-3746	321	13	foreclosures	foreclosure	NOUN
inlawrev-3746	321	14	occur	occur	VERB
inlawrev-3746	321	15	,	,	PUNCT
inlawrev-3746	321	16	and	and	CCONJ
inlawrev-3746	321	17	those	those	PRON
inlawrev-3746	321	18	who	who	PRON
inlawrev-3746	321	19	do	do	AUX
inlawrev-3746	321	20	face	face	VERB
inlawrev-3746	321	21	financial	financial	ADJ
inlawrev-3746	321	22	difficulty	difficulty	NOUN
inlawrev-3746	321	23	are	be	AUX
inlawrev-3746	321	24	easily	easily	ADV
inlawrev-3746	321	25	able	able	ADJ
inlawrev-3746	321	26	to	to	PART
inlawrev-3746	321	27	sell	sell	VERB
inlawrev-3746	321	28	their	their	PRON
inlawrev-3746	321	29	homes	home	NOUN
inlawrev-3746	321	30	to	to	ADP
inlawrev-3746	321	31	a	a	DET
inlawrev-3746	321	32	willing	willing	ADJ
inlawrev-3746	321	33	buyer	buyer	NOUN
inlawrev-3746	321	34	at	at	ADP
inlawrev-3746	321	35	an	an	DET
inlawrev-3746	321	36	inflated	inflated	ADJ
inlawrev-3746	321	37	price	price	NOUN
inlawrev-3746	321	38	.	.	PUNCT
inlawrev-3746	322	1	64	64	NUM
inlawrev-3746	322	2	.	.	PUNCT
inlawrev-3746	323	1	see	see	VERB
inlawrev-3746	323	2	alaska	alaska	PROPN
inlawrev-3746	323	3	stat	stat	PROPN
inlawrev-3746	323	4	.	.	PUNCT
inlawrev-3746	324	1	§	§	PROPN
inlawrev-3746	324	2	34.20.090	34.20.090	PROPN
inlawrev-3746	324	3	(	(	PUNCT
inlawrev-3746	324	4	2004	2004	NUM
inlawrev-3746	324	5	)	)	PUNCT
inlawrev-3746	324	6	.	.	PUNCT
inlawrev-3746	325	1	65	65	NUM
inlawrev-3746	325	2	.	.	PUNCT
inlawrev-3746	326	1	i	i	PRON
inlawrev-3746	326	2	d.	d.	PROPN
inlawrev-3746	326	3	§	§	PROPN
inlawrev-3746	326	4	34.20.070	34.20.070	PROPN
inlawrev-3746	326	5	.	.	PUNCT
inlawrev-3746	326	6	2005	2005	NUM
inlawrev-3746	326	7	]	]	PUNCT
inlawrev-3746	326	8	hoosier	hoosier	NOUN
inlawrev-3746	326	9	inhospitality	inhospitality	NOUN
inlawrev-3746	326	10	97	97	NUM
inlawrev-3746	326	11	power	power	NOUN
inlawrev-3746	326	12	,	,	PUNCT
inlawrev-3746	326	13	which	which	PRON
inlawrev-3746	326	14	may	may	AUX
inlawrev-3746	326	15	lead	lead	VERB
inlawrev-3746	326	16	to	to	ADP
inlawrev-3746	326	17	potential	potential	ADJ
inlawrev-3746	326	18	fraudulent	fraudulent	ADJ
inlawrev-3746	326	19	actions	action	NOUN
inlawrev-3746	326	20	by	by	ADP
inlawrev-3746	326	21	lenders	lender	NOUN
inlawrev-3746	326	22	.	.	PUNCT
inlawrev-3746	327	1	in	in	ADP
inlawrev-3746	327	2	addition	addition	NOUN
inlawrev-3746	327	3	to	to	ADP
inlawrev-3746	327	4	its	its	PRON
inlawrev-3746	327	5	geographic	geographic	ADJ
inlawrev-3746	327	6	difference	difference	NOUN
inlawrev-3746	327	7	,	,	PUNCT
inlawrev-3746	327	8	new	new	PROPN
inlawrev-3746	327	9	hampshire	hampshire	PROPN
inlawrev-3746	327	10	's	's	PART
inlawrev-3746	327	11	statutory	statutory	PROPN
inlawrev-3746	327	12	foreclosure	foreclosure	NOUN
inlawrev-3746	327	13	scheme	scheme	NOUN
inlawrev-3746	327	14	differs	differ	VERB
inlawrev-3746	327	15	from	from	ADP
inlawrev-3746	327	16	these	these	DET
inlawrev-3746	327	17	other	other	ADJ
inlawrev-3746	327	18	states	state	NOUN
inlawrev-3746	327	19	.	.	PUNCT
inlawrev-3746	328	1	unless	unless	SCONJ
inlawrev-3746	328	2	the	the	DET
inlawrev-3746	328	3	loan	loan	NOUN
inlawrev-3746	328	4	explicitly	explicitly	ADV
inlawrev-3746	328	5	provides	provide	VERB
inlawrev-3746	328	6	otherwise	otherwise	ADV
inlawrev-3746	328	7	,	,	PUNCT
inlawrev-3746	328	8	the	the	DET
inlawrev-3746	328	9	state	state	NOUN
inlawrev-3746	328	10	does	do	AUX
inlawrev-3746	328	11	not	not	PART
inlawrev-3746	328	12	require	require	VERB
inlawrev-3746	328	13	notice	notice	NOUN
inlawrev-3746	328	14	ofdefault	ofdefault	NOUN
inlawrev-3746	328	15	or	or	CCONJ
inlawrev-3746	328	16	acceleration	acceleration	NOUN
inlawrev-3746	328	17	.	.	PUNCT
inlawrev-3746	329	1	66	66	NUM
inlawrev-3746	329	2	new	new	PROPN
inlawrev-3746	329	3	hampshire	hampshire	PROPN
inlawrev-3746	329	4	permits	permit	VERB
inlawrev-3746	329	5	nonjudicial	nonjudicial	ADJ
inlawrev-3746	329	6	foreclosure	foreclosure	NOUN
inlawrev-3746	329	7	,	,	PUNCT
inlawrev-3746	329	8	but	but	CCONJ
inlawrev-3746	329	9	it	it	PRON
inlawrev-3746	329	10	also	also	ADV
inlawrev-3746	329	11	permits	permit	VERB
inlawrev-3746	329	12	three	three	NUM
inlawrev-3746	329	13	additional	additional	ADJ
inlawrev-3746	329	14	special	special	ADJ
inlawrev-3746	329	15	methods	method	NOUN
inlawrev-3746	329	16	of	of	ADP
inlawrev-3746	329	17	foreclosure	foreclosure	NOUN
inlawrev-3746	329	18	:	:	PUNCT
inlawrev-3746	329	19	entry	entry	NOUN
inlawrev-3746	329	20	under	under	ADP
inlawrev-3746	329	21	process	process	NOUN
inlawrev-3746	329	22	,	,	PUNCT
inlawrev-3746	329	23	entry	entry	NOUN
inlawrev-3746	329	24	and	and	CCONJ
inlawrev-3746	329	25	publication	publication	NOUN
inlawrev-3746	329	26	,	,	PUNCT
inlawrev-3746	329	27	and	and	CCONJ
inlawrev-3746	329	28	possession	possession	NOUN
inlawrev-3746	329	29	and	and	CCONJ
inlawrev-3746	329	30	publication	publication	NOUN
inlawrev-3746	329	31	.	.	PUNCT
inlawrev-3746	330	1	67	67	NUM
inlawrev-3746	330	2	new	new	PROPN
inlawrev-3746	330	3	hampshire	hampshire	PROPN
inlawrev-3746	330	4	,	,	PUNCT
inlawrev-3746	330	5	as	as	ADP
inlawrev-3746	330	6	with	with	ADP
inlawrev-3746	330	7	all	all	DET
inlawrev-3746	330	8	states	state	NOUN
inlawrev-3746	330	9	,	,	PUNCT
inlawrev-3746	330	10	allows	allow	VERB
inlawrev-3746	330	11	a	a	DET
inlawrev-3746	330	12	common	common	ADJ
inlawrev-3746	330	13	law	law	NOUN
inlawrev-3746	330	14	equitable	equitable	ADJ
inlawrev-3746	330	15	right	right	ADV
inlawrev-3746	330	16	of	of	ADP
inlawrev-3746	330	17	redemption	redemption	NOUN
inlawrev-3746	330	18	until	until	ADP
inlawrev-3746	330	19	a	a	DET
inlawrev-3746	330	20	foreclosure	foreclosure	NOUN
inlawrev-3746	330	21	sale	sale	NOUN
inlawrev-3746	330	22	,	,	PUNCT
inlawrev-3746	330	23	but	but	CCONJ
inlawrev-3746	330	24	does	do	AUX
inlawrev-3746	330	25	not	not	PART
inlawrev-3746	330	26	offer	offer	VERB
inlawrev-3746	330	27	statutory	statutory	ADJ
inlawrev-3746	330	28	redemption	redemption	NOUN
inlawrev-3746	330	29	rights	right	NOUN
inlawrev-3746	330	30	under	under	ADP
inlawrev-3746	330	31	any	any	DET
inlawrev-3746	330	32	foreclosure	foreclosure	NOUN
inlawrev-3746	330	33	method	method	NOUN
inlawrev-3746	330	34	after	after	ADP
inlawrev-3746	330	35	such	such	DET
inlawrev-3746	330	36	a	a	DET
inlawrev-3746	330	37	sale	sale	NOUN
inlawrev-3746	330	38	.	.	PUNCT
inlawrev-3746	331	1	68	68	NUM
inlawrev-3746	331	2	finally	finally	ADV
inlawrev-3746	331	3	,	,	PUNCT
inlawrev-3746	331	4	wyoming	wyoming	NOUN
inlawrev-3746	331	5	also	also	ADV
inlawrev-3746	331	6	allows	allow	VERB
inlawrev-3746	331	7	nonjudicial	nonjudicial	ADJ
inlawrev-3746	331	8	foreclosure.69	foreclosure.69	NOUN
inlawrev-3746	331	9	despite	despite	SCONJ
inlawrev-3746	331	10	this	this	DET
inlawrev-3746	331	11	similarity	similarity	NOUN
inlawrev-3746	331	12	with	with	ADP
inlawrev-3746	331	13	other	other	ADJ
inlawrev-3746	331	14	low	low	ADJ
inlawrev-3746	331	15	foreclosure	foreclosure	NOUN
inlawrev-3746	331	16	rate	rate	NOUN
inlawrev-3746	331	17	states	state	NOUN
inlawrev-3746	331	18	,	,	PUNCT
inlawrev-3746	331	19	wyoming	wyoming	PROPN
inlawrev-3746	331	20	's	's	PART
inlawrev-3746	331	21	other	other	ADJ
inlawrev-3746	331	22	laws	law	NOUN
inlawrev-3746	331	23	differ	differ	VERB
inlawrev-3746	331	24	from	from	ADP
inlawrev-3746	331	25	the	the	DET
inlawrev-3746	331	26	other	other	ADJ
inlawrev-3746	331	27	low	low	ADJ
inlawrev-3746	331	28	foreclosure	foreclosure	NOUN
inlawrev-3746	331	29	states	state	NOUN
inlawrev-3746	331	30	in	in	ADP
inlawrev-3746	331	31	many	many	ADJ
inlawrev-3746	331	32	ways	way	NOUN
inlawrev-3746	331	33	.	.	PUNCT
inlawrev-3746	332	1	for	for	ADP
inlawrev-3746	332	2	example	example	NOUN
inlawrev-3746	332	3	,	,	PUNCT
inlawrev-3746	332	4	wyoming	wyoming	NOUN
inlawrev-3746	332	5	requires	require	VERB
inlawrev-3746	332	6	both	both	DET
inlawrev-3746	332	7	notice	notice	NOUN
inlawrev-3746	332	8	of	of	ADP
inlawrev-3746	332	9	default	default	NOUN
inlawrev-3746	332	10	and	and	CCONJ
inlawrev-3746	332	11	acceleration	acceleration	NOUN
inlawrev-3746	332	12	by	by	ADP
inlawrev-3746	332	13	statute	statute	PROPN
inlawrev-3746	332	14	,	,	PUNCT
inlawrev-3746	332	15	70	70	NUM
inlawrev-3746	332	16	and	and	CCONJ
inlawrev-3746	332	17	redemption	redemption	NOUN
inlawrev-3746	332	18	rights	right	NOUN
inlawrev-3746	332	19	exist	exist	VERB
inlawrev-3746	332	20	for	for	ADP
inlawrev-3746	332	21	mortgagors	mortgagor	NOUN
inlawrev-3746	332	22	under	under	ADP
inlawrev-3746	332	23	both	both	CCONJ
inlawrev-3746	332	24	judicial	judicial	ADJ
inlawrev-3746	332	25	and	and	CCONJ
inlawrev-3746	332	26	nonjudicial	nonjudicial	ADJ
inlawrev-3746	332	27	foreclosure	foreclosure	NOUN
inlawrev-3746	332	28	for	for	ADP
inlawrev-3746	332	29	a	a	DET
inlawrev-3746	332	30	period	period	NOUN
inlawrev-3746	332	31	of	of	ADP
inlawrev-3746	332	32	three	three	NUM
inlawrev-3746	332	33	months	month	NOUN
inlawrev-3746	332	34	from	from	ADP
inlawrev-3746	332	35	the	the	DET
inlawrev-3746	332	36	date	date	NOUN
inlawrev-3746	332	37	of	of	ADP
inlawrev-3746	332	38	the	the	DET
inlawrev-3746	332	39	foreclosure	foreclosure	NOUN
inlawrev-3746	332	40	sale	sale	NOUN
inlawrev-3746	332	41	.	.	PUNCT
inlawrev-3746	333	1	71	71	NUM
inlawrev-3746	333	2	these	these	DET
inlawrev-3746	333	3	notice	notice	NOUN
inlawrev-3746	333	4	provisions	provision	NOUN
inlawrev-3746	333	5	and	and	CCONJ
inlawrev-3746	333	6	redemption	redemption	NOUN
inlawrev-3746	333	7	rights	right	NOUN
inlawrev-3746	333	8	are	be	AUX
inlawrev-3746	333	9	again	again	ADV
inlawrev-3746	333	10	mitigating	mitigate	VERB
inlawrev-3746	333	11	protection	protection	NOUN
inlawrev-3746	333	12	against	against	ADP
inlawrev-3746	333	13	the	the	DET
inlawrev-3746	333	14	broad	broad	ADJ
inlawrev-3746	333	15	power	power	NOUN
inlawrev-3746	333	16	that	that	SCONJ
inlawrev-3746	333	17	nonjudicial	nonjudicial	ADJ
inlawrev-3746	333	18	foreclosure	foreclosure	NOUN
inlawrev-3746	333	19	gives	give	VERB
inlawrev-3746	333	20	lenders	lender	NOUN
inlawrev-3746	333	21	.	.	PUNCT
inlawrev-3746	334	1	despite	despite	SCONJ
inlawrev-3746	334	2	the	the	DET
inlawrev-3746	334	3	subtle	subtle	ADJ
inlawrev-3746	334	4	differences	difference	NOUN
inlawrev-3746	334	5	among	among	ADP
inlawrev-3746	334	6	the	the	DET
inlawrev-3746	334	7	laws	law	NOUN
inlawrev-3746	334	8	ofstates	ofstate	NOUN
inlawrev-3746	334	9	with	with	ADP
inlawrev-3746	334	10	high	high	ADJ
inlawrev-3746	334	11	foreclosure	foreclosure	NOUN
inlawrev-3746	334	12	rates	rate	NOUN
inlawrev-3746	334	13	,	,	PUNCT
inlawrev-3746	334	14	most	most	ADJ
inlawrev-3746	334	15	are	be	AUX
inlawrev-3746	334	16	judicial	judicial	ADJ
inlawrev-3746	334	17	foreclosure	foreclosure	NOUN
inlawrev-3746	334	18	states	state	NOUN
inlawrev-3746	334	19	that	that	PRON
inlawrev-3746	334	20	tend	tend	VERB
inlawrev-3746	334	21	to	to	PART
inlawrev-3746	334	22	favor	favor	VERB
inlawrev-3746	334	23	the	the	DET
inlawrev-3746	334	24	borrower	borrower	NOUN
inlawrev-3746	334	25	.	.	PUNCT
inlawrev-3746	335	1	on	on	ADP
inlawrev-3746	335	2	the	the	DET
inlawrev-3746	335	3	other	other	ADJ
inlawrev-3746	335	4	hand	hand	NOUN
inlawrev-3746	335	5	,	,	PUNCT
inlawrev-3746	335	6	states	state	NOUN
inlawrev-3746	335	7	with	with	ADP
inlawrev-3746	335	8	low	low	ADJ
inlawrev-3746	335	9	foreclosure	foreclosure	NOUN
inlawrev-3746	335	10	rates	rate	NOUN
inlawrev-3746	335	11	tend	tend	VERB
inlawrev-3746	335	12	to	to	PART
inlawrev-3746	335	13	favor	favor	VERB
inlawrev-3746	335	14	the	the	DET
inlawrev-3746	335	15	lender	lender	NOUN
inlawrev-3746	335	16	,	,	PUNCT
inlawrev-3746	335	17	or	or	CCONJ
inlawrev-3746	335	18	at	at	ADP
inlawrev-3746	335	19	least	least	ADJ
inlawrev-3746	335	20	strike	strike	VERB
inlawrev-3746	335	21	a	a	DET
inlawrev-3746	335	22	better	well	ADJ
inlawrev-3746	335	23	balance	balance	NOUN
inlawrev-3746	335	24	between	between	ADP
inlawrev-3746	335	25	the	the	DET
inlawrev-3746	335	26	two	two	NUM
inlawrev-3746	335	27	parties	party	NOUN
inlawrev-3746	335	28	.	.	PUNCT
inlawrev-3746	336	1	while	while	SCONJ
inlawrev-3746	336	2	it	it	PRON
inlawrev-3746	336	3	appears	appear	VERB
inlawrev-3746	336	4	contradictory	contradictory	ADJ
inlawrev-3746	336	5	that	that	SCONJ
inlawrev-3746	336	6	there	there	PRON
inlawrev-3746	336	7	would	would	AUX
inlawrev-3746	336	8	be	be	AUX
inlawrev-3746	336	9	more	more	ADJ
inlawrev-3746	336	10	foreclosures	foreclosure	NOUN
inlawrev-3746	336	11	in	in	ADP
inlawrev-3746	336	12	a	a	DET
inlawrev-3746	336	13	state	state	NOUN
inlawrev-3746	336	14	where	where	SCONJ
inlawrev-3746	336	15	the	the	DET
inlawrev-3746	336	16	borrower	borrower	NOUN
inlawrev-3746	336	17	is	be	AUX
inlawrev-3746	336	18	at	at	ADP
inlawrev-3746	336	19	an	an	DET
inlawrev-3746	336	20	advantage	advantage	NOUN
inlawrev-3746	336	21	,	,	PUNCT
inlawrev-3746	336	22	part	part	NOUN
inlawrev-3746	336	23	iii.b	iii.b	PROPN
inlawrev-3746	336	24	of	of	ADP
inlawrev-3746	336	25	this	this	DET
inlawrev-3746	336	26	note	note	NOUN
inlawrev-3746	336	27	addresses	address	VERB
inlawrev-3746	336	28	the	the	DET
inlawrev-3746	336	29	many	many	ADJ
inlawrev-3746	336	30	reasons	reason	NOUN
inlawrev-3746	336	31	for	for	ADP
inlawrev-3746	336	32	this	this	DET
inlawrev-3746	336	33	relationship	relationship	NOUN
inlawrev-3746	336	34	.	.	PUNCT
inlawrev-3746	337	1	ii	ii	PROPN
inlawrev-3746	337	2	.	.	PUNCT
inlawrev-3746	338	1	the	the	DET
inlawrev-3746	338	2	federal	federal	PROPN
inlawrev-3746	338	3	housing	housing	PROPN
inlawrev-3746	338	4	administration	administration	PROPN
inlawrev-3746	338	5	a.	a.	NOUN
inlawrev-3746	338	6	overview	overview	NOUN
inlawrev-3746	338	7	of	of	ADP
inlawrev-3746	338	8	the	the	DET
inlawrev-3746	338	9	fha	fha	PROPN
inlawrev-3746	338	10	the	the	DET
inlawrev-3746	338	11	national	national	PROPN
inlawrev-3746	338	12	housing	housing	PROPN
inlawrev-3746	338	13	act	act	PROPN
inlawrev-3746	338	14	led	lead	VERB
inlawrev-3746	338	15	to	to	ADP
inlawrev-3746	338	16	the	the	DET
inlawrev-3746	338	17	establishment	establishment	NOUN
inlawrev-3746	338	18	of	of	ADP
inlawrev-3746	338	19	the	the	DET
inlawrev-3746	338	20	federal	federal	PROPN
inlawrev-3746	338	21	housing	housing	PROPN
inlawrev-3746	338	22	administration	administration	NOUN
inlawrev-3746	338	23	in	in	ADP
inlawrev-3746	338	24	1934	1934	NUM
inlawrev-3746	338	25	.	.	PUNCT
inlawrev-3746	339	1	72	72	NUM
inlawrev-3746	339	2	created	create	VERB
inlawrev-3746	339	3	in	in	ADP
inlawrev-3746	339	4	reaction	reaction	NOUN
inlawrev-3746	339	5	to	to	ADP
inlawrev-3746	339	6	the	the	DET
inlawrev-3746	339	7	great	great	ADJ
inlawrev-3746	339	8	depression	depression	NOUN
inlawrev-3746	339	9	,	,	PUNCT
inlawrev-3746	339	10	the	the	DET
inlawrev-3746	339	11	main	main	ADJ
inlawrev-3746	339	12	goal	goal	NOUN
inlawrev-3746	339	13	of	of	ADP
inlawrev-3746	339	14	the	the	DET
inlawrev-3746	339	15	fha	fha	PROPN
inlawrev-3746	339	16	was	be	AUX
inlawrev-3746	339	17	to	to	ADP
inlawrev-3746	339	18	further	further	ADJ
inlawrev-3746	339	19	homeownership	homeownership	NOUN
inlawrev-3746	339	20	,	,	PUNCT
inlawrev-3746	339	21	protect	protect	VERB
inlawrev-3746	339	22	lenders	lender	NOUN
inlawrev-3746	339	23	,	,	PUNCT
inlawrev-3746	339	24	and	and	CCONJ
inlawrev-3746	339	25	increase	increase	VERB
inlawrev-3746	339	26	66	66	NUM
inlawrev-3746	339	27	.	.	PUNCT
inlawrev-3746	340	1	keyles	keyle	NOUN
inlawrev-3746	340	2	,	,	PUNCT
inlawrev-3746	340	3	supra	supra	PROPN
inlawrev-3746	340	4	note	note	PROPN
inlawrev-3746	340	5	26	26	NUM
inlawrev-3746	340	6	,	,	PUNCT
inlawrev-3746	340	7	at	at	ADP
inlawrev-3746	340	8	373	373	NUM
inlawrev-3746	340	9	.	.	PUNCT
inlawrev-3746	340	10	67	67	NUM
inlawrev-3746	340	11	.	.	PUNCT
inlawrev-3746	341	1	n.h	n.h	AUX
inlawrev-3746	341	2	.	.	PROPN
inlawrev-3746	341	3	rev	rev	PROPN
inlawrev-3746	341	4	.	.	PROPN
inlawrev-3746	341	5	stat	stat	PROPN
inlawrev-3746	341	6	.	.	PUNCT
inlawrev-3746	342	1	ann	ann	PROPN
inlawrev-3746	342	2	.	.	PUNCT
inlawrev-3746	343	1	§	§	PROPN
inlawrev-3746	343	2	479	479	NUM
inlawrev-3746	343	3	:	:	PUNCT
inlawrev-3746	343	4	1	1	NUM
inlawrev-3746	343	5	9	9	NUM
inlawrev-3746	343	6	(	(	PUNCT
inlawrev-3746	343	7	2004	2004	NUM
inlawrev-3746	343	8	)	)	PUNCT
inlawrev-3746	343	9	.	.	PUNCT
inlawrev-3746	344	1	entry	entry	NOUN
inlawrev-3746	344	2	under	under	ADP
inlawrev-3746	344	3	process	process	NOUN
inlawrev-3746	344	4	is	be	AUX
inlawrev-3746	344	5	valid	valid	ADJ
inlawrev-3746	344	6	by	by	ADP
inlawrev-3746	344	7	lawful	lawful	ADJ
inlawrev-3746	344	8	entry	entry	NOUN
inlawrev-3746	344	9	and	and	CCONJ
inlawrev-3746	344	10	possession	possession	VERB
inlawrev-3746	344	11	ofthe	ofthe	ADJ
inlawrev-3746	344	12	property	property	NOUN
inlawrev-3746	344	13	in	in	ADP
inlawrev-3746	344	14	question	question	NOUN
inlawrev-3746	344	15	for	for	ADP
inlawrev-3746	344	16	one	one	NUM
inlawrev-3746	344	17	year	year	NOUN
inlawrev-3746	344	18	.	.	PUNCT
inlawrev-3746	345	1	entry	entry	NOUN
inlawrev-3746	345	2	and	and	CCONJ
inlawrev-3746	345	3	publication	publication	NOUN
inlawrev-3746	345	4	entails	entail	VERB
inlawrev-3746	345	5	"	"	PUNCT
inlawrev-3746	345	6	peaceable	peaceable	ADJ
inlawrev-3746	345	7	"	"	PUNCT
inlawrev-3746	345	8	entry	entry	NOUN
inlawrev-3746	345	9	onto	onto	ADP
inlawrev-3746	345	10	the	the	DET
inlawrev-3746	345	11	property	property	NOUN
inlawrev-3746	345	12	,	,	PUNCT
inlawrev-3746	345	13	possession	possession	NOUN
inlawrev-3746	345	14	for	for	ADP
inlawrev-3746	345	15	one	one	NUM
inlawrev-3746	345	16	year	year	NOUN
inlawrev-3746	345	17	,	,	PUNCT
inlawrev-3746	345	18	and	and	CCONJ
inlawrev-3746	345	19	publication	publication	NOUN
inlawrev-3746	345	20	for	for	ADP
inlawrev-3746	345	21	three	three	NUM
inlawrev-3746	345	22	consecutive	consecutive	ADJ
inlawrev-3746	345	23	weeks	week	NOUN
inlawrev-3746	345	24	in	in	ADP
inlawrev-3746	345	25	a	a	DET
inlawrev-3746	345	26	newspaper	newspaper	NOUN
inlawrev-3746	345	27	ofgeneral	ofgeneral	ADJ
inlawrev-3746	345	28	circulation	circulation	NOUN
inlawrev-3746	345	29	in	in	ADP
inlawrev-3746	345	30	the	the	DET
inlawrev-3746	345	31	property	property	NOUN
inlawrev-3746	345	32	's	's	PART
inlawrev-3746	345	33	county	county	NOUN
inlawrev-3746	345	34	.	.	PUNCT
inlawrev-3746	346	1	possession	possession	NOUN
inlawrev-3746	346	2	and	and	CCONJ
inlawrev-3746	346	3	publication	publication	NOUN
inlawrev-3746	346	4	is	be	AUX
inlawrev-3746	346	5	used	use	VERB
inlawrev-3746	346	6	when	when	SCONJ
inlawrev-3746	346	7	the	the	DET
inlawrev-3746	346	8	lender	lender	NOUN
inlawrev-3746	346	9	already	already	ADV
inlawrev-3746	346	10	has	have	AUX
inlawrev-3746	346	11	possession	possession	NOUN
inlawrev-3746	346	12	ofthe	ofthe	ADJ
inlawrev-3746	346	13	property	property	NOUN
inlawrev-3746	346	14	and	and	CCONJ
inlawrev-3746	346	15	similar	similar	ADJ
inlawrev-3746	346	16	publication	publication	NOUN
inlawrev-3746	346	17	is	be	AUX
inlawrev-3746	346	18	used	use	VERB
inlawrev-3746	346	19	as	as	ADP
inlawrev-3746	346	20	under	under	ADP
inlawrev-3746	346	21	"	"	PUNCT
inlawrev-3746	346	22	entry	entry	NOUN
inlawrev-3746	346	23	and	and	CCONJ
inlawrev-3746	346	24	publication	publication	NOUN
inlawrev-3746	346	25	.	.	PUNCT
inlawrev-3746	346	26	"	"	PUNCT
inlawrev-3746	347	1	68	68	NUM
inlawrev-3746	347	2	.	.	PUNCT
inlawrev-3746	348	1	i	i	PRON
inlawrev-3746	348	2	d.	d.	PROPN
inlawrev-3746	348	3	69	69	NUM
inlawrev-3746	348	4	.	.	PUNCT
inlawrev-3746	349	1	see	see	VERB
inlawrev-3746	349	2	wyo	wyo	PROPN
inlawrev-3746	349	3	.	.	PROPN
inlawrev-3746	349	4	stat	stat	PROPN
inlawrev-3746	349	5	.	.	PUNCT
inlawrev-3746	350	1	ann	ann	PROPN
inlawrev-3746	350	2	.	.	PUNCT
inlawrev-3746	351	1	§	§	PROPN
inlawrev-3746	351	2	34	34	NUM
inlawrev-3746	351	3	-	-	SYM
inlawrev-3746	351	4	4	4	NUM
inlawrev-3746	351	5	-	-	SYM
inlawrev-3746	351	6	102	102	NUM
inlawrev-3746	351	7	(	(	PUNCT
inlawrev-3746	351	8	2003	2003	NUM
inlawrev-3746	351	9	)	)	PUNCT
inlawrev-3746	351	10	.	.	PUNCT
inlawrev-3746	352	1	70	70	X
inlawrev-3746	352	2	.	.	PUNCT
inlawrev-3746	353	1	i	i	PRON
inlawrev-3746	353	2	d.	d.	PROPN
inlawrev-3746	353	3	§	§	PROPN
inlawrev-3746	353	4	34	34	NUM
inlawrev-3746	353	5	-	-	SYM
inlawrev-3746	353	6	4	4	NUM
inlawrev-3746	353	7	-	-	NUM
inlawrev-3746	353	8	103	103	NUM
inlawrev-3746	353	9	.	.	PUNCT
inlawrev-3746	354	1	71	71	NUM
inlawrev-3746	354	2	.	.	PUNCT
inlawrev-3746	355	1	i	i	PRON
inlawrev-3746	355	2	d.	d.	PROPN
inlawrev-3746	355	3	§	§	PROPN
inlawrev-3746	355	4	l-18	l-18	PROPN
inlawrev-3746	355	5	-	-	PUNCT
inlawrev-3746	355	6	103(a	103(a	PROPN
inlawrev-3746	355	7	)	)	PUNCT
inlawrev-3746	355	8	.	.	PUNCT
inlawrev-3746	356	1	h72	h72	NOUN
inlawrev-3746	356	2	.	.	PUNCT
inlawrev-3746	357	1	12	12	NUM
inlawrev-3746	357	2	u.s.c	u.s.c	ADJ
inlawrev-3746	357	3	.	.	PUNCT
inlawrev-3746	358	1	§	§	PROPN
inlawrev-3746	358	2	1701	1701	NUM
inlawrev-3746	358	3	(	(	PUNCT
inlawrev-3746	358	4	2000	2000	NUM
inlawrev-3746	358	5	)	)	PUNCT
inlawrev-3746	358	6	.	.	PUNCT
inlawrev-3746	359	1	98	98	NUM
inlawrev-3746	359	2	indiana	indiana	PROPN
inlawrev-3746	359	3	law	law	PROPN
inlawrev-3746	359	4	review	review	NOUN
inlawrev-3746	360	1	[	[	X
inlawrev-3746	360	2	vol	vol	NOUN
inlawrev-3746	360	3	.	.	PUNCT
inlawrev-3746	360	4	39:87	39:87	NUM
inlawrev-3746	360	5	employment	employment	NOUN
inlawrev-3746	360	6	in	in	ADP
inlawrev-3746	360	7	the	the	DET
inlawrev-3746	360	8	building	building	NOUN
inlawrev-3746	360	9	industry	industry	NOUN
inlawrev-3746	360	10	.	.	PUNCT
inlawrev-3746	361	1	the	the	DET
inlawrev-3746	361	2	program	program	NOUN
inlawrev-3746	361	3	accomplishes	accomplish	VERB
inlawrev-3746	361	4	these	these	DET
inlawrev-3746	361	5	goals	goal	NOUN
inlawrev-3746	361	6	by	by	ADP
inlawrev-3746	361	7	insuring	insure	VERB
inlawrev-3746	361	8	private	private	ADJ
inlawrev-3746	361	9	lenders	lender	NOUN
inlawrev-3746	361	10	against	against	ADP
inlawrev-3746	361	11	losses	loss	NOUN
inlawrev-3746	361	12	on	on	ADP
inlawrev-3746	361	13	mortgages	mortgage	NOUN
inlawrev-3746	361	14	that	that	PRON
inlawrev-3746	361	15	finance	finance	VERB
inlawrev-3746	361	16	purchases	purchase	NOUN
inlawrev-3746	361	17	of	of	ADP
inlawrev-3746	361	18	property	property	NOUN
inlawrev-3746	361	19	with	with	ADP
inlawrev-3746	361	20	one	one	NUM
inlawrev-3746	361	21	to	to	ADP
inlawrev-3746	361	22	four	four	NUM
inlawrev-3746	361	23	housing	housing	NOUN
inlawrev-3746	361	24	units	unit	NOUN
inlawrev-3746	361	25	,	,	PUNCT
inlawrev-3746	361	26	up	up	ADP
inlawrev-3746	361	27	to	to	ADP
inlawrev-3746	361	28	certain	certain	ADJ
inlawrev-3746	361	29	principal	principal	ADJ
inlawrev-3746	361	30	amounts.73	amounts.73	NOUN
inlawrev-3746	361	31	because	because	SCONJ
inlawrev-3746	361	32	the	the	DET
inlawrev-3746	361	33	insurance	insurance	NOUN
inlawrev-3746	361	34	subjects	subject	VERB
inlawrev-3746	361	35	lenders	lender	NOUN
inlawrev-3746	361	36	to	to	ADP
inlawrev-3746	361	37	less	less	ADJ
inlawrev-3746	361	38	risk	risk	NOUN
inlawrev-3746	361	39	,	,	PUNCT
inlawrev-3746	361	40	they	they	PRON
inlawrev-3746	361	41	are	be	AUX
inlawrev-3746	361	42	more	more	ADV
inlawrev-3746	361	43	willing	willing	ADJ
inlawrev-3746	361	44	to	to	PART
inlawrev-3746	361	45	give	give	VERB
inlawrev-3746	361	46	mortgages	mortgage	NOUN
inlawrev-3746	361	47	to	to	ADP
inlawrev-3746	361	48	borrowers	borrower	NOUN
inlawrev-3746	361	49	who	who	PRON
inlawrev-3746	361	50	otherwise	otherwise	ADV
inlawrev-3746	361	51	would	would	AUX
inlawrev-3746	361	52	have	have	AUX
inlawrev-3746	361	53	been	be	AUX
inlawrev-3746	361	54	too	too	ADV
inlawrev-3746	361	55	financially	financially	ADV
inlawrev-3746	361	56	unstable	unstable	ADJ
inlawrev-3746	361	57	to	to	PART
inlawrev-3746	361	58	qualify	qualify	VERB
inlawrev-3746	361	59	.	.	PUNCT
inlawrev-3746	362	1	the	the	DET
inlawrev-3746	362	2	fha	fha	PROPN
inlawrev-3746	362	3	became	become	VERB
inlawrev-3746	362	4	part	part	NOUN
inlawrev-3746	362	5	of	of	ADP
inlawrev-3746	362	6	the	the	DET
inlawrev-3746	362	7	department	department	NOUN
inlawrev-3746	362	8	of	of	ADP
inlawrev-3746	362	9	housing	housing	PROPN
inlawrev-3746	362	10	and	and	CCONJ
inlawrev-3746	362	11	urban	urban	PROPN
inlawrev-3746	362	12	development	development	NOUN
inlawrev-3746	362	13	's	's	PART
inlawrev-3746	362	14	(	(	PUNCT
inlawrev-3746	362	15	"	"	PUNCT
inlawrev-3746	362	16	hud	hud	PROPN
inlawrev-3746	362	17	"	"	PUNCT
inlawrev-3746	362	18	)	)	PUNCT
inlawrev-3746	362	19	office	office	NOUN
inlawrev-3746	362	20	of	of	ADP
inlawrev-3746	362	21	housing	housing	NOUN
inlawrev-3746	362	22	in	in	ADP
inlawrev-3746	362	23	1965	1965	NUM
inlawrev-3746	362	24	and	and	CCONJ
inlawrev-3746	362	25	remains	remain	VERB
inlawrev-3746	362	26	under	under	ADP
inlawrev-3746	362	27	the	the	DET
inlawrev-3746	362	28	authority	authority	NOUN
inlawrev-3746	362	29	of	of	ADP
inlawrev-3746	362	30	that	that	DET
inlawrev-3746	362	31	department	department	NOUN
inlawrev-3746	362	32	today	today	NOUN
inlawrev-3746	362	33	.	.	PUNCT
inlawrev-3746	363	1	74	74	NUM
inlawrev-3746	363	2	hud	hud	PROPN
inlawrev-3746	363	3	also	also	ADV
inlawrev-3746	363	4	oversees	oversee	VERB
inlawrev-3746	363	5	the	the	DET
inlawrev-3746	363	6	fannie	fannie	PROPN
inlawrev-3746	363	7	mae	mae	PROPN
inlawrev-3746	363	8	and	and	CCONJ
inlawrev-3746	363	9	freddie	freddie	PROPN
inlawrev-3746	363	10	mac	mac	PROPN
inlawrev-3746	363	11	corporations	corporation	NOUN
inlawrev-3746	363	12	,	,	PUNCT
inlawrev-3746	363	13	both	both	CCONJ
inlawrev-3746	363	14	ofwhich	ofwhich	ADP
inlawrev-3746	363	15	the	the	DET
inlawrev-3746	363	16	fha	fha	PROPN
inlawrev-3746	363	17	references	reference	NOUN
inlawrev-3746	363	18	in	in	ADP
inlawrev-3746	363	19	determining	determine	VERB
inlawrev-3746	363	20	loan	loan	NOUN
inlawrev-3746	363	21	limits	limit	NOUN
inlawrev-3746	363	22	.	.	PUNCT
inlawrev-3746	364	1	75	75	NUM
inlawrev-3746	364	2	the	the	DET
inlawrev-3746	364	3	fha	fha	PROPN
inlawrev-3746	364	4	is	be	AUX
inlawrev-3746	364	5	a	a	DET
inlawrev-3746	364	6	self	self	NOUN
inlawrev-3746	364	7	-	-	PUNCT
inlawrev-3746	364	8	sufficient	sufficient	ADJ
inlawrev-3746	364	9	agency	agency	NOUN
inlawrev-3746	364	10	with	with	ADP
inlawrev-3746	364	11	its	its	PRON
inlawrev-3746	364	12	own	own	ADJ
inlawrev-3746	364	13	funding	funding	NOUN
inlawrev-3746	364	14	through	through	ADP
inlawrev-3746	364	15	the	the	DET
inlawrev-3746	364	16	mutual	mutual	ADJ
inlawrev-3746	364	17	mortgage	mortgage	NOUN
inlawrev-3746	364	18	insurance	insurance	NOUN
inlawrev-3746	364	19	fund	fund	NOUN
inlawrev-3746	364	20	(	(	PUNCT
inlawrev-3746	364	21	"	"	PUNCT
inlawrev-3746	364	22	mmif	mmif	NOUN
inlawrev-3746	364	23	"	"	PUNCT
inlawrev-3746	364	24	)	)	PUNCT
inlawrev-3746	364	25	.	.	PUNCT
inlawrev-3746	365	1	insurance	insurance	NOUN
inlawrev-3746	365	2	premiums	premium	NOUN
inlawrev-3746	365	3	and	and	CCONJ
inlawrev-3746	365	4	proceeds	proceed	NOUN
inlawrev-3746	365	5	from	from	ADP
inlawrev-3746	365	6	the	the	DET
inlawrev-3746	365	7	sale	sale	NOUN
inlawrev-3746	365	8	of	of	ADP
inlawrev-3746	365	9	foreclosed	foreclose	VERB
inlawrev-3746	365	10	properties	property	NOUN
inlawrev-3746	365	11	cover	cover	VERB
inlawrev-3746	365	12	the	the	DET
inlawrev-3746	365	13	payments	payment	NOUN
inlawrev-3746	365	14	of	of	ADP
inlawrev-3746	365	15	claims	claim	NOUN
inlawrev-3746	365	16	by	by	ADP
inlawrev-3746	365	17	lenders	lender	NOUN
inlawrev-3746	365	18	on	on	ADP
inlawrev-3746	365	19	foreclosed	foreclose	VERB
inlawrev-3746	365	20	properties	property	NOUN
inlawrev-3746	365	21	and	and	CCONJ
inlawrev-3746	365	22	other	other	ADJ
inlawrev-3746	365	23	administrative	administrative	ADJ
inlawrev-3746	365	24	expenses	expense	NOUN
inlawrev-3746	365	25	.	.	PUNCT
inlawrev-3746	366	1	76	76	NUM
inlawrev-3746	366	2	to	to	PART
inlawrev-3746	366	3	ensure	ensure	VERB
inlawrev-3746	366	4	that	that	SCONJ
inlawrev-3746	366	5	this	this	DET
inlawrev-3746	366	6	fund	fund	NOUN
inlawrev-3746	366	7	does	do	AUX
inlawrev-3746	366	8	not	not	PART
inlawrev-3746	366	9	get	get	AUX
inlawrev-3746	366	10	depleted	deplete	VERB
inlawrev-3746	366	11	,	,	PUNCT
inlawrev-3746	366	12	the	the	DET
inlawrev-3746	366	13	fha	fha	PROPN
inlawrev-3746	366	14	's	's	PART
inlawrev-3746	366	15	underwriting	underwriting	NOUN
inlawrev-3746	366	16	guidelines	guideline	NOUN
inlawrev-3746	366	17	require	require	VERB
inlawrev-3746	366	18	lenders	lender	NOUN
inlawrev-3746	366	19	to	to	PART
inlawrev-3746	366	20	evaluate	evaluate	VERB
inlawrev-3746	366	21	and	and	CCONJ
inlawrev-3746	366	22	limit	limit	VERB
inlawrev-3746	366	23	risk	risk	NOUN
inlawrev-3746	366	24	.	.	PUNCT
inlawrev-3746	367	1	lenders	lender	NOUN
inlawrev-3746	367	2	evaluate	evaluate	VERB
inlawrev-3746	367	3	a	a	DET
inlawrev-3746	367	4	borrower	borrower	NOUN
inlawrev-3746	367	5	's	's	PART
inlawrev-3746	367	6	ability	ability	NOUN
inlawrev-3746	367	7	and	and	CCONJ
inlawrev-3746	367	8	willingness	willingness	NOUN
inlawrev-3746	367	9	to	to	PART
inlawrev-3746	367	10	pay	pay	VERB
inlawrev-3746	367	11	by	by	ADP
inlawrev-3746	367	12	evaluating	evaluate	VERB
inlawrev-3746	367	13	qualifying	qualifying	NOUN
inlawrev-3746	367	14	ratios	ratio	NOUN
inlawrev-3746	367	15	,	,	PUNCT
inlawrev-3746	367	16	stability	stability	NOUN
inlawrev-3746	367	17	and	and	CCONJ
inlawrev-3746	367	18	adequacy	adequacy	NOUN
inlawrev-3746	367	19	of	of	ADP
inlawrev-3746	367	20	income	income	NOUN
inlawrev-3746	367	21	,	,	PUNCT
inlawrev-3746	367	22	credit	credit	NOUN
inlawrev-3746	367	23	history	history	NOUN
inlawrev-3746	367	24	,	,	PUNCT
inlawrev-3746	367	25	and	and	CCONJ
inlawrev-3746	367	26	funds	fund	NOUN
inlawrev-3746	367	27	to	to	PART
inlawrev-3746	367	28	close	close	VERB
inlawrev-3746	367	29	on	on	ADP
inlawrev-3746	367	30	the	the	DET
inlawrev-3746	367	31	sale	sale	NOUN
inlawrev-3746	367	32	.	.	PUNCT
inlawrev-3746	368	1	77	77	NUM
inlawrev-3746	368	2	despite	despite	SCONJ
inlawrev-3746	368	3	these	these	DET
inlawrev-3746	368	4	protections	protection	NOUN
inlawrev-3746	368	5	,	,	PUNCT
inlawrev-3746	368	6	the	the	DET
inlawrev-3746	368	7	fha	fha	PROPN
inlawrev-3746	368	8	continues	continue	VERB
inlawrev-3746	368	9	to	to	PART
inlawrev-3746	368	10	have	have	VERB
inlawrev-3746	368	11	a	a	DET
inlawrev-3746	368	12	detrimental	detrimental	ADJ
inlawrev-3746	368	13	impact	impact	NOUN
inlawrev-3746	368	14	on	on	ADP
inlawrev-3746	368	15	foreclosure	foreclosure	NOUN
inlawrev-3746	368	16	rates	rate	NOUN
inlawrev-3746	368	17	across	across	ADP
inlawrev-3746	368	18	the	the	DET
inlawrev-3746	368	19	nation	nation	NOUN
inlawrev-3746	368	20	.	.	PUNCT
inlawrev-3746	369	1	73	73	NUM
inlawrev-3746	369	2	.	.	PUNCT
inlawrev-3746	370	1	changes	change	NOUN
inlawrev-3746	370	2	in	in	ADP
inlawrev-3746	370	3	theperformanceoffha	theperformanceoffha	ADJ
inlawrev-3746	370	4	-	-	PUNCT
inlawrev-3746	370	5	insuredloans	insuredloan	NOUN
inlawrev-3746	370	6	,	,	PUNCT
inlawrev-3746	370	7	supra	supra	NOUN
inlawrev-3746	370	8	note	note	NOUN
inlawrev-3746	370	9	1	1	NUM
inlawrev-3746	370	10	7	7	NUM
inlawrev-3746	370	11	,	,	PUNCT
inlawrev-3746	370	12	at	at	ADP
inlawrev-3746	370	13	4	4	NUM
inlawrev-3746	370	14	.	.	PUNCT
inlawrev-3746	371	1	borrowers	borrower	NOUN
inlawrev-3746	371	2	pay	pay	VERB
inlawrev-3746	371	3	insurance	insurance	NOUN
inlawrev-3746	371	4	premiums	premium	NOUN
inlawrev-3746	371	5	,	,	PUNCT
inlawrev-3746	371	6	often	often	ADV
inlawrev-3746	371	7	as	as	ADP
inlawrev-3746	371	8	part	part	NOUN
inlawrev-3746	371	9	of	of	ADP
inlawrev-3746	371	10	their	their	PRON
inlawrev-3746	371	11	monthly	monthly	ADJ
inlawrev-3746	371	12	payment	payment	NOUN
inlawrev-3746	371	13	,	,	PUNCT
inlawrev-3746	371	14	to	to	PART
inlawrev-3746	371	15	cover	cover	VERB
inlawrev-3746	371	16	the	the	DET
inlawrev-3746	371	17	cost	cost	NOUN
inlawrev-3746	371	18	of	of	ADP
inlawrev-3746	371	19	the	the	DET
inlawrev-3746	371	20	fha	fha	PROPN
inlawrev-3746	371	21	's	's	PART
inlawrev-3746	371	22	insurance	insurance	NOUN
inlawrev-3746	371	23	to	to	ADP
inlawrev-3746	371	24	lenders	lender	NOUN
inlawrev-3746	371	25	.	.	PUNCT
inlawrev-3746	372	1	according	accord	VERB
inlawrev-3746	372	2	to	to	ADP
inlawrev-3746	372	3	hud	hud	PROPN
inlawrev-3746	372	4	's	's	PART
inlawrev-3746	372	5	website	website	NOUN
inlawrev-3746	372	6	,	,	PUNCT
inlawrev-3746	372	7	insurance	insurance	NOUN
inlawrev-3746	372	8	costs	cost	NOUN
inlawrev-3746	372	9	drop	drop	VERB
inlawrev-3746	372	10	dramatically	dramatically	ADV
inlawrev-3746	372	11	after	after	ADP
inlawrev-3746	372	12	the	the	DET
inlawrev-3746	372	13	longer	long	ADJ
inlawrev-3746	372	14	of	of	ADP
inlawrev-3746	372	15	five	five	NUM
inlawrev-3746	372	16	years	year	NOUN
inlawrev-3746	372	17	or	or	CCONJ
inlawrev-3746	372	18	when	when	SCONJ
inlawrev-3746	372	19	the	the	DET
inlawrev-3746	372	20	balance	balance	NOUN
inlawrev-3746	372	21	of	of	ADP
inlawrev-3746	372	22	the	the	DET
inlawrev-3746	372	23	loan	loan	NOUN
inlawrev-3746	372	24	is	be	AUX
inlawrev-3746	372	25	less	less	ADJ
inlawrev-3746	372	26	than	than	ADP
inlawrev-3746	372	27	seventy	seventy	NUM
inlawrev-3746	372	28	-	-	PUNCT
inlawrev-3746	372	29	eight	eight	NUM
inlawrev-3746	372	30	percent	percent	NOUN
inlawrev-3746	372	31	of	of	ADP
inlawrev-3746	372	32	the	the	DET
inlawrev-3746	372	33	property	property	NOUN
inlawrev-3746	372	34	value	value	NOUN
inlawrev-3746	372	35	.	.	PUNCT
inlawrev-3746	373	1	hud	hud	PROPN
inlawrev-3746	373	2	website	website	PROPN
inlawrev-3746	373	3	,	,	PUNCT
inlawrev-3746	373	4	http://www.hud.gov/offices/hsg/fhahistory.cfm	http://www.hud.gov/offices/hsg/fhahistory.cfm	PROPN
inlawrev-3746	373	5	(	(	PUNCT
inlawrev-3746	373	6	last	last	ADJ
inlawrev-3746	373	7	updated	update	VERB
inlawrev-3746	373	8	june	june	PROPN
inlawrev-3746	373	9	27	27	NUM
inlawrev-3746	373	10	,	,	PUNCT
inlawrev-3746	373	11	2005	2005	NUM
inlawrev-3746	373	12	)	)	PUNCT
inlawrev-3746	373	13	.	.	PUNCT
inlawrev-3746	374	1	74	74	NUM
inlawrev-3746	374	2	.	.	PUNCT
inlawrev-3746	375	1	i	i	PRON
inlawrev-3746	375	2	d.	d.	PROPN
inlawrev-3746	375	3	75	75	NUM
inlawrev-3746	375	4	.	.	PUNCT
inlawrev-3746	376	1	both	both	PRON
inlawrev-3746	376	2	freddie	freddie	PROPN
inlawrev-3746	376	3	mac	mac	PROPN
inlawrev-3746	376	4	and	and	CCONJ
inlawrev-3746	376	5	fannie	fannie	PROPN
inlawrev-3746	376	6	mae	mae	PROPN
inlawrev-3746	376	7	are	be	AUX
inlawrev-3746	376	8	stockholder	stockholder	NOUN
inlawrev-3746	376	9	-	-	PUNCT
inlawrev-3746	376	10	owned	own	VERB
inlawrev-3746	376	11	corporations	corporation	NOUN
inlawrev-3746	376	12	that	that	PRON
inlawrev-3746	376	13	provide	provide	VERB
inlawrev-3746	376	14	funding	funding	NOUN
inlawrev-3746	376	15	to	to	ADP
inlawrev-3746	376	16	lenders	lender	NOUN
inlawrev-3746	376	17	to	to	PART
inlawrev-3746	376	18	ensure	ensure	VERB
inlawrev-3746	376	19	they	they	PRON
inlawrev-3746	376	20	continue	continue	VERB
inlawrev-3746	376	21	to	to	PART
inlawrev-3746	376	22	offer	offer	VERB
inlawrev-3746	376	23	mortgages	mortgage	NOUN
inlawrev-3746	376	24	to	to	ADP
inlawrev-3746	376	25	high	high	ADJ
inlawrev-3746	376	26	-	-	PUNCT
inlawrev-3746	376	27	risk	risk	NOUN
inlawrev-3746	376	28	borrowers	borrower	NOUN
inlawrev-3746	376	29	.	.	PUNCT
inlawrev-3746	377	1	both	both	DET
inlawrev-3746	377	2	entities	entity	NOUN
inlawrev-3746	377	3	are	be	AUX
inlawrev-3746	377	4	far	far	ADV
inlawrev-3746	377	5	too	too	ADV
inlawrev-3746	377	6	complex	complex	ADJ
inlawrev-3746	377	7	to	to	PART
inlawrev-3746	377	8	discuss	discuss	VERB
inlawrev-3746	377	9	in	in	ADP
inlawrev-3746	377	10	detail	detail	NOUN
inlawrev-3746	377	11	for	for	ADP
inlawrev-3746	377	12	purposes	purpose	NOUN
inlawrev-3746	377	13	of	of	ADP
inlawrev-3746	377	14	this	this	DET
inlawrev-3746	377	15	note	note	NOUN
inlawrev-3746	377	16	.	.	PUNCT
inlawrev-3746	378	1	to	to	PART
inlawrev-3746	378	2	limit	limit	VERB
inlawrev-3746	378	3	its	its	PRON
inlawrev-3746	378	4	potential	potential	ADJ
inlawrev-3746	378	5	losses	loss	NOUN
inlawrev-3746	378	6	,	,	PUNCT
inlawrev-3746	378	7	the	the	DET
inlawrev-3746	378	8	fha	fha	PROPN
inlawrev-3746	378	9	sets	set	VERB
inlawrev-3746	378	10	loan	loan	NOUN
inlawrev-3746	378	11	limits	limit	NOUN
inlawrev-3746	378	12	on	on	ADP
inlawrev-3746	378	13	the	the	DET
inlawrev-3746	378	14	mortgages	mortgage	NOUN
inlawrev-3746	378	15	it	it	PRON
inlawrev-3746	378	16	insures	insure	VERB
inlawrev-3746	378	17	based	base	VERB
inlawrev-3746	378	18	on	on	ADP
inlawrev-3746	378	19	a	a	DET
inlawrev-3746	378	20	percentage	percentage	NOUN
inlawrev-3746	378	21	ofarea	ofarea	NOUN
inlawrev-3746	378	22	home	home	NOUN
inlawrev-3746	378	23	prices	price	NOUN
inlawrev-3746	378	24	,	,	PUNCT
inlawrev-3746	378	25	which	which	PRON
inlawrev-3746	378	26	protects	protect	VERB
inlawrev-3746	378	27	against	against	ADP
inlawrev-3746	378	28	regional	regional	ADJ
inlawrev-3746	378	29	discrepancies	discrepancy	NOUN
inlawrev-3746	378	30	in	in	ADP
inlawrev-3746	378	31	home	home	NOUN
inlawrev-3746	378	32	prices	price	NOUN
inlawrev-3746	378	33	.	.	PUNCT
inlawrev-3746	379	1	historically	historically	ADV
inlawrev-3746	379	2	,	,	PUNCT
inlawrev-3746	379	3	limits	limit	NOUN
inlawrev-3746	379	4	were	be	AUX
inlawrev-3746	379	5	set	set	VERB
inlawrev-3746	379	6	at	at	ADP
inlawrev-3746	379	7	ninety	ninety	NUM
inlawrev-3746	379	8	-	-	PUNCT
inlawrev-3746	379	9	five	five	NUM
inlawrev-3746	379	10	percent	percent	NOUN
inlawrev-3746	379	11	of	of	ADP
inlawrev-3746	379	12	the	the	DET
inlawrev-3746	379	13	median	median	ADJ
inlawrev-3746	379	14	home	home	NOUN
inlawrev-3746	379	15	sale	sale	NOUN
inlawrev-3746	379	16	price	price	NOUN
inlawrev-3746	379	17	within	within	ADP
inlawrev-3746	379	18	a	a	DET
inlawrev-3746	379	19	county	county	NOUN
inlawrev-3746	379	20	and	and	CCONJ
inlawrev-3746	379	21	between	between	ADP
inlawrev-3746	379	22	thirty	thirty	NUM
inlawrev-3746	379	23	-	-	PUNCT
inlawrev-3746	379	24	eight	eight	NUM
inlawrev-3746	379	25	and	and	CCONJ
inlawrev-3746	379	26	seventy	seventy	NUM
inlawrev-3746	379	27	-	-	PUNCT
inlawrev-3746	379	28	five	five	NUM
inlawrev-3746	379	29	percent	percent	NOUN
inlawrev-3746	379	30	of	of	ADP
inlawrev-3746	379	31	the	the	DET
inlawrev-3746	379	32	loan	loan	NOUN
inlawrev-3746	379	33	limits	limit	NOUN
inlawrev-3746	379	34	for	for	ADP
inlawrev-3746	379	35	freddie	freddie	PROPN
inlawrev-3746	379	36	mac	mac	PROPN
inlawrev-3746	379	37	or	or	CCONJ
inlawrev-3746	379	38	fannie	fannie	PROPN
inlawrev-3746	379	39	mae	mae	PROPN
inlawrev-3746	379	40	purchased	purchase	VERB
inlawrev-3746	379	41	loans	loan	NOUN
inlawrev-3746	379	42	.	.	PUNCT
inlawrev-3746	380	1	these	these	DET
inlawrev-3746	380	2	limits	limit	NOUN
inlawrev-3746	380	3	have	have	AUX
inlawrev-3746	380	4	recently	recently	ADV
inlawrev-3746	380	5	increased	increase	VERB
inlawrev-3746	380	6	,	,	PUNCT
inlawrev-3746	380	7	as	as	SCONJ
inlawrev-3746	380	8	discussed	discuss	VERB
inlawrev-3746	380	9	later	later	ADV
inlawrev-3746	380	10	in	in	ADP
inlawrev-3746	380	11	this	this	DET
inlawrev-3746	380	12	note	note	NOUN
inlawrev-3746	380	13	.	.	PUNCT
inlawrev-3746	381	1	76	76	NUM
inlawrev-3746	381	2	.	.	PUNCT
inlawrev-3746	382	1	changes	change	NOUN
inlawrev-3746	382	2	in	in	ADP
inlawrev-3746	382	3	the	the	DET
inlawrev-3746	382	4	performance	performance	NOUN
inlawrev-3746	382	5	of	of	ADP
inlawrev-3746	382	6	fha	fha	NOUN
inlawrev-3746	382	7	-	-	PUNCT
inlawrev-3746	382	8	insured	insure	VERB
inlawrev-3746	382	9	loans	loan	NOUN
inlawrev-3746	382	10	,	,	PUNCT
inlawrev-3746	382	11	supra	supra	NOUN
inlawrev-3746	382	12	note	note	NOUN
inlawrev-3746	382	13	1	1	NUM
inlawrev-3746	382	14	7	7	NUM
inlawrev-3746	382	15	,	,	PUNCT
inlawrev-3746	382	16	at	at	ADP
inlawrev-3746	382	17	5	5	NUM
inlawrev-3746	382	18	.	.	PUNCT
inlawrev-3746	383	1	the	the	DET
inlawrev-3746	383	2	fund	fund	NOUN
inlawrev-3746	383	3	is	be	AUX
inlawrev-3746	383	4	increased	increase	VERB
inlawrev-3746	383	5	by	by	ADP
inlawrev-3746	383	6	insurance	insurance	NOUN
inlawrev-3746	383	7	premiums	premium	NOUN
inlawrev-3746	383	8	from	from	ADP
inlawrev-3746	383	9	borrowers	borrower	NOUN
inlawrev-3746	383	10	at	at	ADP
inlawrev-3746	383	11	the	the	DET
inlawrev-3746	383	12	beginning	beginning	NOUN
inlawrev-3746	383	13	of	of	ADP
inlawrev-3746	383	14	the	the	DET
inlawrev-3746	383	15	mortgage	mortgage	NOUN
inlawrev-3746	383	16	and	and	CCONJ
inlawrev-3746	383	17	periodically	periodically	ADV
inlawrev-3746	383	18	over	over	ADP
inlawrev-3746	383	19	its	its	PRON
inlawrev-3746	383	20	life	life	NOUN
inlawrev-3746	383	21	and	and	CCONJ
inlawrev-3746	383	22	by	by	ADP
inlawrev-3746	383	23	proceeds	proceed	NOUN
inlawrev-3746	383	24	from	from	ADP
inlawrev-3746	383	25	the	the	DET
inlawrev-3746	383	26	sale	sale	NOUN
inlawrev-3746	383	27	offoreclosed	offoreclose	VERB
inlawrev-3746	383	28	properties	property	NOUN
inlawrev-3746	383	29	insured	insure	VERB
inlawrev-3746	383	30	by	by	ADP
inlawrev-3746	383	31	the	the	DET
inlawrev-3746	383	32	fha	fha	PROPN
inlawrev-3746	383	33	.	.	PUNCT
inlawrev-3746	384	1	although	although	SCONJ
inlawrev-3746	384	2	the	the	DET
inlawrev-3746	384	3	fund	fund	NOUN
inlawrev-3746	384	4	is	be	AUX
inlawrev-3746	384	5	backed	back	VERB
inlawrev-3746	384	6	by	by	ADP
inlawrev-3746	384	7	the	the	DET
inlawrev-3746	384	8	u.s	u.s	PROPN
inlawrev-3746	384	9	.	.	PROPN
inlawrev-3746	384	10	treasury	treasury	PROPN
inlawrev-3746	384	11	,	,	PUNCT
inlawrev-3746	384	12	the	the	DET
inlawrev-3746	384	13	fha	fha	PROPN
inlawrev-3746	384	14	would	would	AUX
inlawrev-3746	384	15	only	only	ADV
inlawrev-3746	384	16	rely	rely	VERB
inlawrev-3746	384	17	on	on	ADP
inlawrev-3746	384	18	treasury	treasury	NOUN
inlawrev-3746	384	19	funding	funding	NOUN
inlawrev-3746	384	20	if	if	SCONJ
inlawrev-3746	384	21	and	and	CCONJ
inlawrev-3746	384	22	when	when	SCONJ
inlawrev-3746	384	23	it	it	PRON
inlawrev-3746	384	24	depleted	deplete	VERB
inlawrev-3746	384	25	the	the	DET
inlawrev-3746	384	26	mmif	mmif	NOUN
inlawrev-3746	384	27	.	.	PUNCT
inlawrev-3746	385	1	77	77	NUM
inlawrev-3746	385	2	.	.	PUNCT
inlawrev-3746	386	1	i	i	PRON
inlawrev-3746	386	2	d.	d.	PROPN
inlawrev-3746	386	3	at	at	ADP
inlawrev-3746	386	4	7	7	NUM
inlawrev-3746	386	5	.	.	PUNCT
inlawrev-3746	387	1	for	for	ADP
inlawrev-3746	387	2	a	a	DET
inlawrev-3746	387	3	full	full	ADJ
inlawrev-3746	387	4	discussion	discussion	NOUN
inlawrev-3746	387	5	ofthese	ofthese	ADJ
inlawrev-3746	387	6	factors	factor	NOUN
inlawrev-3746	387	7	,	,	PUNCT
inlawrev-3746	387	8	including	include	VERB
inlawrev-3746	387	9	the	the	DET
inlawrev-3746	387	10	changes	change	NOUN
inlawrev-3746	387	11	made	make	VERB
inlawrev-3746	387	12	to	to	ADP
inlawrev-3746	387	13	them	they	PRON
inlawrev-3746	387	14	in	in	ADP
inlawrev-3746	387	15	the	the	DET
inlawrev-3746	387	16	1990s	1990	NOUN
inlawrev-3746	387	17	,	,	PUNCT
inlawrev-3746	387	18	see	see	VERB
inlawrev-3746	387	19	infra	infra	NOUN
inlawrev-3746	387	20	notes	note	VERB
inlawrev-3746	387	21	82	82	NUM
inlawrev-3746	387	22	-	-	SYM
inlawrev-3746	387	23	85	85	NUM
inlawrev-3746	387	24	and	and	CCONJ
inlawrev-3746	387	25	accompanying	accompany	VERB
inlawrev-3746	387	26	text	text	NOUN
inlawrev-3746	387	27	.	.	PUNCT
inlawrev-3746	388	1	the	the	DET
inlawrev-3746	388	2	fha	fha	PROPN
inlawrev-3746	388	3	has	have	AUX
inlawrev-3746	388	4	not	not	PART
inlawrev-3746	388	5	recently	recently	ADV
inlawrev-3746	388	6	changed	change	VERB
inlawrev-3746	388	7	the	the	DET
inlawrev-3746	388	8	amount	amount	NOUN
inlawrev-3746	388	9	of	of	ADP
inlawrev-3746	388	10	funding	funding	NOUN
inlawrev-3746	388	11	required	require	VERB
inlawrev-3746	388	12	at	at	ADP
inlawrev-3746	388	13	the	the	DET
inlawrev-3746	388	14	beginning	beginning	NOUN
inlawrev-3746	388	15	of	of	ADP
inlawrev-3746	388	16	a	a	DET
inlawrev-3746	388	17	mortgage	mortgage	NOUN
inlawrev-3746	388	18	,	,	PUNCT
inlawrev-3746	388	19	but	but	CCONJ
inlawrev-3746	388	20	the	the	DET
inlawrev-3746	388	21	general	general	ADJ
inlawrev-3746	388	22	trend	trend	NOUN
inlawrev-3746	388	23	in	in	ADP
inlawrev-3746	388	24	the	the	DET
inlawrev-3746	388	25	mortgage	mortgage	NOUN
inlawrev-3746	388	26	market	market	NOUN
inlawrev-3746	388	27	has	have	AUX
inlawrev-3746	388	28	been	be	AUX
inlawrev-3746	388	29	towards	towards	ADP
inlawrev-3746	388	30	lower	low	ADJ
inlawrev-3746	388	31	down	down	ADP
inlawrev-3746	388	32	payments	payment	NOUN
inlawrev-3746	388	33	to	to	PART
inlawrev-3746	388	34	encourage	encourage	VERB
inlawrev-3746	388	35	higher	high	ADJ
inlawrev-3746	388	36	levels	level	NOUN
inlawrev-3746	388	37	ofhomeownership	ofhomeownership	NOUN
inlawrev-3746	388	38	.	.	PUNCT
inlawrev-3746	389	1	2005	2005	NUM
inlawrev-3746	389	2	]	]	PUNCT
inlawrev-3746	389	3	hoosier	hoosier	NOUN
inlawrev-3746	389	4	inhospitality	inhospitality	NOUN
inlawrev-3746	389	5	99	99	NUM
inlawrev-3746	389	6	b.	b.	PROPN
inlawrev-3746	389	7	impact	impact	PROPN
inlawrev-3746	389	8	ofthe	ofthe	PRON
inlawrev-3746	389	9	fha	fha	PROPN
inlawrev-3746	389	10	on	on	ADP
inlawrev-3746	389	11	foreclosure	foreclosure	NOUN
inlawrev-3746	389	12	rates	rate	NOUN
inlawrev-3746	389	13	throughout	throughout	ADP
inlawrev-3746	389	14	the	the	DET
inlawrev-3746	389	15	1990s	1990	NOUN
inlawrev-3746	389	16	,	,	PUNCT
inlawrev-3746	389	17	fha	fha	PROPN
inlawrev-3746	389	18	loans	loan	NOUN
inlawrev-3746	389	19	grew	grow	VERB
inlawrev-3746	389	20	increasingly	increasingly	ADV
inlawrev-3746	389	21	more	more	ADV
inlawrev-3746	389	22	likely	likely	ADJ
inlawrev-3746	389	23	to	to	PART
inlawrev-3746	389	24	foreclose	foreclose	VERB
inlawrev-3746	389	25	.	.	PUNCT
inlawrev-3746	390	1	78	78	NUM
inlawrev-3746	390	2	when	when	SCONJ
inlawrev-3746	390	3	combined	combine	VERB
inlawrev-3746	390	4	with	with	ADP
inlawrev-3746	390	5	the	the	DET
inlawrev-3746	390	6	higher	high	ADJ
inlawrev-3746	390	7	number	number	NOUN
inlawrev-3746	390	8	of	of	ADP
inlawrev-3746	390	9	borrowers	borrower	NOUN
inlawrev-3746	390	10	obtaining	obtain	VERB
inlawrev-3746	390	11	fha	fha	PROPN
inlawrev-3746	390	12	loans	loan	NOUN
inlawrev-3746	390	13	,	,	PUNCT
inlawrev-3746	390	14	this	this	PRON
inlawrev-3746	390	15	had	have	VERB
inlawrev-3746	390	16	a	a	DET
inlawrev-3746	390	17	profound	profound	ADJ
inlawrev-3746	390	18	negative	negative	ADJ
inlawrev-3746	390	19	impact	impact	NOUN
inlawrev-3746	390	20	on	on	ADP
inlawrev-3746	390	21	the	the	DET
inlawrev-3746	390	22	national	national	ADJ
inlawrev-3746	390	23	residential	residential	ADJ
inlawrev-3746	390	24	mortgage	mortgage	NOUN
inlawrev-3746	390	25	market	market	NOUN
inlawrev-3746	390	26	.	.	PUNCT
inlawrev-3746	391	1	anumber	anumber	PROPN
inlawrev-3746	391	2	offactors	offactor	NOUN
inlawrev-3746	391	3	contributed	contribute	VERB
inlawrev-3746	391	4	to	to	ADP
inlawrev-3746	391	5	increased	increase	VERB
inlawrev-3746	391	6	fha	fha	PROPN
inlawrev-3746	391	7	foreclosure	foreclosure	NOUN
inlawrev-3746	391	8	rates	rate	NOUN
inlawrev-3746	391	9	,	,	PUNCT
inlawrev-3746	391	10	including	include	VERB
inlawrev-3746	391	11	changes	change	NOUN
inlawrev-3746	391	12	in	in	ADP
inlawrev-3746	391	13	underwriting	underwriting	NOUN
inlawrev-3746	391	14	requirements	requirement	NOUN
inlawrev-3746	391	15	by	by	ADP
inlawrev-3746	391	16	the	the	DET
inlawrev-3746	391	17	fha	fha	PROPN
inlawrev-3746	391	18	at	at	ADP
inlawrev-3746	391	19	a	a	DET
inlawrev-3746	391	20	time	time	NOUN
inlawrev-3746	391	21	when	when	SCONJ
inlawrev-3746	391	22	the	the	DET
inlawrev-3746	391	23	conventional	conventional	ADJ
inlawrev-3746	391	24	mortgage	mortgage	NOUN
inlawrev-3746	391	25	market	market	NOUN
inlawrev-3746	391	26	was	be	AUX
inlawrev-3746	391	27	growing	grow	VERB
inlawrev-3746	391	28	and	and	CCONJ
inlawrev-3746	391	29	there	there	PRON
inlawrev-3746	391	30	was	be	VERB
inlawrev-3746	391	31	price	price	NOUN
inlawrev-3746	391	32	appreciation	appreciation	NOUN
inlawrev-3746	391	33	for	for	ADP
inlawrev-3746	391	34	residences	residence	NOUN
inlawrev-3746	391	35	.	.	PUNCT
inlawrev-3746	392	1	79	79	NUM
inlawrev-3746	392	2	these	these	DET
inlawrev-3746	392	3	underwriting	underwriting	NOUN
inlawrev-3746	392	4	requirement	requirement	NOUN
inlawrev-3746	392	5	changes	change	NOUN
inlawrev-3746	392	6	aimed	aim	VERB
inlawrev-3746	392	7	to	to	PART
inlawrev-3746	392	8	"	"	PUNCT
inlawrev-3746	392	9	expand	expand	VERB
inlawrev-3746	392	10	homeownership	homeownership	NOUN
inlawrev-3746	392	11	opportunities	opportunity	NOUN
inlawrev-3746	392	12	by	by	ADP
inlawrev-3746	392	13	eliminating	eliminate	VERB
inlawrev-3746	392	14	unnecessary	unnecessary	ADJ
inlawrev-3746	392	15	barriers	barrier	NOUN
inlawrev-3746	392	16	to	to	ADP
inlawrev-3746	392	17	potential	potential	ADJ
inlawrev-3746	392	18	homebuyers	homebuyer	NOUN
inlawrev-3746	392	19	,	,	PUNCT
inlawrev-3746	392	20	"	"	PUNCT
inlawrev-3746	392	21	but	but	CCONJ
inlawrev-3746	392	22	instead	instead	ADV
inlawrev-3746	392	23	,	,	PUNCT
inlawrev-3746	392	24	the	the	DET
inlawrev-3746	392	25	fha	fha	PROPN
inlawrev-3746	392	26	became	become	VERB
inlawrev-3746	392	27	overwhelmed	overwhelmed	ADJ
inlawrev-3746	392	28	with	with	ADP
inlawrev-3746	392	29	high	high	ADJ
inlawrev-3746	392	30	-	-	PUNCT
inlawrev-3746	392	31	risk	risk	NOUN
inlawrev-3746	392	32	borrowers	borrower	NOUN
inlawrev-3746	392	33	.	.	PUNCT
inlawrev-3746	393	1	80	80	NUM
inlawrev-3746	393	2	part	part	NOUN
inlawrev-3746	393	3	iii.a	iii.a	PROPN
inlawrev-3746	393	4	of	of	ADP
inlawrev-3746	393	5	this	this	DET
inlawrev-3746	393	6	note	note	NOUN
inlawrev-3746	393	7	fully	fully	ADV
inlawrev-3746	393	8	examines	examine	VERB
inlawrev-3746	393	9	this	this	DET
inlawrev-3746	393	10	type	type	NOUN
inlawrev-3746	393	11	of	of	ADP
inlawrev-3746	393	12	tradeoff	tradeoff	NOUN
inlawrev-3746	393	13	,	,	PUNCT
inlawrev-3746	393	14	which	which	PRON
inlawrev-3746	393	15	is	be	AUX
inlawrev-3746	393	16	the	the	DET
inlawrev-3746	393	17	topic	topic	NOUN
inlawrev-3746	393	18	of	of	ADP
inlawrev-3746	393	19	ongoing	ongoing	ADJ
inlawrev-3746	393	20	debates	debate	NOUN
inlawrev-3746	393	21	in	in	ADP
inlawrev-3746	393	22	the	the	DET
inlawrev-3746	393	23	housing	housing	NOUN
inlawrev-3746	393	24	arena	arena	NOUN
inlawrev-3746	393	25	.	.	PUNCT
inlawrev-3746	394	1	in	in	ADP
inlawrev-3746	394	2	1995	1995	NUM
inlawrev-3746	394	3	,	,	PUNCT
inlawrev-3746	394	4	the	the	DET
inlawrev-3746	394	5	fha	fha	PROPN
inlawrev-3746	394	6	made	make	VERB
inlawrev-3746	394	7	a	a	DET
inlawrev-3746	394	8	number	number	NOUN
inlawrev-3746	394	9	of	of	ADP
inlawrev-3746	394	10	changes	change	NOUN
inlawrev-3746	394	11	that	that	PRON
inlawrev-3746	394	12	allowed	allow	VERB
inlawrev-3746	394	13	more	more	ADJ
inlawrev-3746	394	14	people	people	NOUN
inlawrev-3746	394	15	to	to	PART
inlawrev-3746	394	16	acquire	acquire	VERB
inlawrev-3746	394	17	funding	funding	NOUN
inlawrev-3746	394	18	for	for	ADP
inlawrev-3746	394	19	homes	home	NOUN
inlawrev-3746	394	20	through	through	ADP
inlawrev-3746	394	21	fhaprograms	fhaprogram	NOUN
inlawrev-3746	394	22	for	for	ADP
inlawrev-3746	394	23	the	the	DET
inlawrev-3746	394	24	first	first	ADJ
inlawrev-3746	394	25	time	time	NOUN
inlawrev-3746	394	26	and	and	CCONJ
inlawrev-3746	394	27	increased	increase	VERB
inlawrev-3746	394	28	the	the	DET
inlawrev-3746	394	29	amount	amount	NOUN
inlawrev-3746	394	30	for	for	ADP
inlawrev-3746	394	31	which	which	PRON
inlawrev-3746	394	32	these	these	DET
inlawrev-3746	394	33	borrowers	borrower	NOUN
inlawrev-3746	394	34	could	could	AUX
inlawrev-3746	394	35	qualify	qualify	VERB
inlawrev-3746	394	36	.	.	PUNCT
inlawrev-3746	395	1	the	the	DET
inlawrev-3746	395	2	underwriting	underwriting	NOUN
inlawrev-3746	395	3	requirements	requirement	NOUN
inlawrev-3746	395	4	changed	change	VERB
inlawrev-3746	395	5	in	in	ADP
inlawrev-3746	395	6	four	four	NUM
inlawrev-3746	395	7	key	key	ADJ
inlawrev-3746	395	8	areas	area	NOUN
inlawrev-3746	395	9	,	,	PUNCT
inlawrev-3746	395	10	each	each	PRON
inlawrev-3746	395	11	increasing	increase	VERB
inlawrev-3746	395	12	the	the	DET
inlawrev-3746	395	13	loan	loan	NOUN
inlawrev-3746	395	14	amount	amount	NOUN
inlawrev-3746	395	15	for	for	ADP
inlawrev-3746	395	16	which	which	PRON
inlawrev-3746	395	17	individuals	individual	NOUN
inlawrev-3746	395	18	could	could	AUX
inlawrev-3746	395	19	qualify	qualify	VERB
inlawrev-3746	395	20	.	.	PUNCT
inlawrev-3746	396	1	81	81	NUM
inlawrev-3746	396	2	the	the	DET
inlawrev-3746	396	3	fha	fha	PROPN
inlawrev-3746	396	4	restricted	restrict	VERB
inlawrev-3746	396	5	the	the	DET
inlawrev-3746	396	6	definition	definition	NOUN
inlawrev-3746	396	7	of	of	ADP
inlawrev-3746	396	8	"	"	PUNCT
inlawrev-3746	396	9	longterm	longterm	VERB
inlawrev-3746	396	10	debt	debt	NOUN
inlawrev-3746	396	11	,	,	PUNCT
inlawrev-3746	396	12	"	"	PUNCT
inlawrev-3746	396	13	which	which	PRON
inlawrev-3746	396	14	often	often	ADV
inlawrev-3746	396	15	reduced	reduce	VERB
inlawrev-3746	396	16	the	the	DET
inlawrev-3746	396	17	amount	amount	NOUN
inlawrev-3746	396	18	of	of	ADP
inlawrev-3746	396	19	debt	debt	NOUN
inlawrev-3746	396	20	included	include	VERB
inlawrev-3746	396	21	in	in	ADP
inlawrev-3746	396	22	qualifying	qualify	VERB
inlawrev-3746	396	23	ratios	ratio	NOUN
inlawrev-3746	396	24	.	.	PUNCT
inlawrev-3746	397	1	82	82	NUM
inlawrev-3746	398	1	the	the	DET
inlawrev-3746	398	2	fha	fha	PROPN
inlawrev-3746	398	3	also	also	ADV
inlawrev-3746	398	4	expanded	expand	VERB
inlawrev-3746	398	5	the	the	DET
inlawrev-3746	398	6	definition	definition	NOUN
inlawrev-3746	398	7	of	of	ADP
inlawrev-3746	398	8	"	"	PUNCT
inlawrev-3746	398	9	effective	effective	ADJ
inlawrev-3746	398	10	income	income	NOUN
inlawrev-3746	398	11	,	,	PUNCT
inlawrev-3746	398	12	"	"	PUNCT
inlawrev-3746	398	13	so	so	SCONJ
inlawrev-3746	398	14	that	that	SCONJ
inlawrev-3746	398	15	previously	previously	ADV
inlawrev-3746	398	16	unusable	unusable	ADJ
inlawrev-3746	398	17	forms	form	NOUN
inlawrev-3746	398	18	ofincome	ofincome	ADV
inlawrev-3746	398	19	are	be	AUX
inlawrev-3746	398	20	now	now	ADV
inlawrev-3746	398	21	relevant	relevant	ADJ
inlawrev-3746	398	22	for	for	ADP
inlawrev-3746	398	23	purposes	purpose	NOUN
inlawrev-3746	398	24	ofthe	ofthe	VERB
inlawrev-3746	398	25	fha	fha	PROPN
inlawrev-3746	398	26	's	's	PART
inlawrev-3746	398	27	qualifying	qualify	VERB
inlawrev-3746	398	28	payment	payment	NOUN
inlawrev-3746	398	29	-	-	PUNCT
inlawrev-3746	398	30	to	to	ADP
inlawrev-3746	398	31	-	-	PUNCT
inlawrev-3746	398	32	income	income	NOUN
inlawrev-3746	398	33	ratio	ratio	NOUN
inlawrev-3746	398	34	.	.	PUNCT
inlawrev-3746	399	1	83	83	NUM
inlawrev-3746	399	2	aside	aside	ADV
inlawrev-3746	399	3	from	from	ADP
inlawrev-3746	399	4	the	the	DET
inlawrev-3746	399	5	qualifying	qualifying	NOUN
inlawrev-3746	399	6	ratios	ratio	NOUN
inlawrev-3746	399	7	,	,	PUNCT
inlawrev-3746	399	8	the	the	DET
inlawrev-3746	399	9	fha	fha	PROPN
inlawrev-3746	399	10	78	78	NUM
inlawrev-3746	399	11	.	.	PUNCT
inlawrev-3746	400	1	i	i	PRON
inlawrev-3746	400	2	d.	d.	PROPN
inlawrev-3746	400	3	at	at	ADP
inlawrev-3746	400	4	2	2	NUM
inlawrev-3746	400	5	.	.	PUNCT
inlawrev-3746	400	6	a	a	DET
inlawrev-3746	400	7	sign	sign	NOUN
inlawrev-3746	400	8	ofthe	ofthe	NOUN
inlawrev-3746	400	9	problems	problem	NOUN
inlawrev-3746	400	10	in	in	ADP
inlawrev-3746	400	11	the	the	DET
inlawrev-3746	400	12	program	program	NOUN
inlawrev-3746	400	13	,	,	PUNCT
inlawrev-3746	400	14	even	even	ADV
inlawrev-3746	400	15	fha	fha	PROPN
inlawrev-3746	400	16	adjustable	adjustable	ADJ
inlawrev-3746	400	17	-	-	PUNCT
inlawrev-3746	400	18	rate	rate	NOUN
inlawrev-3746	400	19	mortgages	mortgage	NOUN
inlawrev-3746	400	20	had	have	AUX
inlawrev-3746	400	21	increasing	increase	VERB
inlawrev-3746	400	22	foreclosure	foreclosure	NOUN
inlawrev-3746	400	23	rates	rate	NOUN
inlawrev-3746	400	24	at	at	ADP
inlawrev-3746	400	25	a	a	DET
inlawrev-3746	400	26	time	time	NOUN
inlawrev-3746	400	27	in	in	ADP
inlawrev-3746	400	28	the	the	DET
inlawrev-3746	400	29	1990s	1990	NOUN
inlawrev-3746	400	30	when	when	SCONJ
inlawrev-3746	400	31	mortgage	mortgage	NOUN
inlawrev-3746	400	32	interest	interest	NOUN
inlawrev-3746	400	33	rates	rate	NOUN
inlawrev-3746	400	34	were	be	AUX
inlawrev-3746	400	35	either	either	CCONJ
inlawrev-3746	400	36	stable	stable	ADJ
inlawrev-3746	400	37	or	or	CCONJ
inlawrev-3746	400	38	declining	decline	VERB
inlawrev-3746	400	39	.	.	PUNCT
inlawrev-3746	401	1	i	i	PRON
inlawrev-3746	401	2	d.	d.	PROPN
inlawrev-3746	401	3	at	at	ADP
inlawrev-3746	401	4	1	1	NUM
inlawrev-3746	401	5	0	0	NUM
inlawrev-3746	401	6	.	.	PUNCT
inlawrev-3746	401	7	adjustable	adjustable	ADJ
inlawrev-3746	401	8	-	-	PUNCT
inlawrev-3746	401	9	rate	rate	NOUN
inlawrev-3746	401	10	mortgages	mortgage	NOUN
inlawrev-3746	401	11	tie	tie	VERB
inlawrev-3746	401	12	the	the	DET
inlawrev-3746	401	13	interest	interest	NOUN
inlawrev-3746	401	14	paid	pay	VERB
inlawrev-3746	401	15	for	for	ADP
inlawrev-3746	401	16	the	the	DET
inlawrev-3746	401	17	mortgage	mortgage	NOUN
inlawrev-3746	401	18	to	to	ADP
inlawrev-3746	401	19	a	a	DET
inlawrev-3746	401	20	market	market	NOUN
inlawrev-3746	401	21	index	index	NOUN
inlawrev-3746	401	22	.	.	PUNCT
inlawrev-3746	402	1	therefore	therefore	ADV
inlawrev-3746	402	2	,	,	PUNCT
inlawrev-3746	402	3	even	even	ADV
inlawrev-3746	402	4	though	though	SCONJ
inlawrev-3746	402	5	mortgage	mortgage	NOUN
inlawrev-3746	402	6	payments	payment	NOUN
inlawrev-3746	402	7	would	would	AUX
inlawrev-3746	402	8	theoretically	theoretically	ADV
inlawrev-3746	402	9	fall	fall	VERB
inlawrev-3746	402	10	during	during	ADP
inlawrev-3746	402	11	this	this	DET
inlawrev-3746	402	12	time	time	NOUN
inlawrev-3746	402	13	,	,	PUNCT
inlawrev-3746	402	14	more	more	ADJ
inlawrev-3746	402	15	people	people	NOUN
inlawrev-3746	402	16	were	be	AUX
inlawrev-3746	402	17	defaulting	default	VERB
inlawrev-3746	402	18	and	and	CCONJ
inlawrev-3746	402	19	losing	lose	VERB
inlawrev-3746	402	20	their	their	PRON
inlawrev-3746	402	21	homes	home	NOUN
inlawrev-3746	402	22	.	.	PUNCT
inlawrev-3746	403	1	79	79	NUM
inlawrev-3746	403	2	.	.	PUNCT
inlawrev-3746	404	1	i	i	PRON
inlawrev-3746	404	2	d.	d.	PROPN
inlawrev-3746	404	3	at	at	ADP
inlawrev-3746	404	4	3	3	NUM
inlawrev-3746	404	5	.	.	PROPN
inlawrev-3746	404	6	80	80	NUM
inlawrev-3746	404	7	.	.	PUNCT
inlawrev-3746	405	1	i	i	PRON
inlawrev-3746	405	2	d.	d.	PROPN
inlawrev-3746	405	3	at	at	ADP
inlawrev-3746	405	4	22	22	NUM
inlawrev-3746	405	5	.	.	PUNCT
inlawrev-3746	406	1	fha	fha	PROPN
inlawrev-3746	406	2	loans	loan	NOUN
inlawrev-3746	406	3	are	be	AUX
inlawrev-3746	406	4	more	more	ADV
inlawrev-3746	406	5	likely	likely	ADJ
inlawrev-3746	406	6	to	to	PART
inlawrev-3746	406	7	be	be	AUX
inlawrev-3746	406	8	issued	issue	VERB
inlawrev-3746	406	9	to	to	ADP
inlawrev-3746	406	10	low	low	ADJ
inlawrev-3746	406	11	-	-	PUNCT
inlawrev-3746	406	12	income	income	NOUN
inlawrev-3746	406	13	,	,	PUNCT
inlawrev-3746	406	14	minority	minority	NOUN
inlawrev-3746	406	15	,	,	PUNCT
inlawrev-3746	406	16	or	or	CCONJ
inlawrev-3746	406	17	first	first	ADJ
inlawrev-3746	406	18	-	-	PUNCT
inlawrev-3746	406	19	time	time	NOUN
inlawrev-3746	406	20	homeowners	homeowner	NOUN
inlawrev-3746	406	21	who	who	PRON
inlawrev-3746	406	22	would	would	AUX
inlawrev-3746	406	23	otherwise	otherwise	ADV
inlawrev-3746	406	24	not	not	PART
inlawrev-3746	406	25	qualify	qualify	VERB
inlawrev-3746	406	26	for	for	ADP
inlawrev-3746	406	27	a	a	DET
inlawrev-3746	406	28	loan	loan	NOUN
inlawrev-3746	406	29	due	due	ADP
inlawrev-3746	406	30	to	to	ADP
inlawrev-3746	406	31	possible	possible	ADJ
inlawrev-3746	406	32	poor	poor	ADJ
inlawrev-3746	406	33	credit	credit	NOUN
inlawrev-3746	406	34	records	record	NOUN
inlawrev-3746	406	35	or	or	CCONJ
inlawrev-3746	406	36	the	the	DET
inlawrev-3746	406	37	fact	fact	NOUN
inlawrev-3746	406	38	that	that	SCONJ
inlawrev-3746	406	39	they	they	PRON
inlawrev-3746	406	40	live	live	VERB
inlawrev-3746	406	41	in	in	ADP
inlawrev-3746	406	42	an	an	DET
inlawrev-3746	406	43	underserved	underserved	ADJ
inlawrev-3746	406	44	neighborhood	neighborhood	NOUN
inlawrev-3746	406	45	.	.	PUNCT
inlawrev-3746	407	1	see	see	VERB
inlawrev-3746	407	2	u.s	u.s	PROPN
inlawrev-3746	407	3	.	.	PROPN
inlawrev-3746	407	4	dep't	dep't	NOUN
inlawrev-3746	407	5	of	of	ADP
inlawrev-3746	407	6	hous	hous	ADJ
inlawrev-3746	407	7	.	.	PUNCT
inlawrev-3746	408	1	and	and	CCONJ
inlawrev-3746	408	2	urban	urban	PROPN
inlawrev-3746	408	3	dev	dev	PROPN
inlawrev-3746	408	4	.	.	PROPN
inlawrev-3746	408	5	,	,	PUNCT
inlawrev-3746	408	6	issue	issue	NOUN
inlawrev-3746	408	7	brief	brief	ADJ
inlawrev-3746	408	8	no	no	INTJ
inlawrev-3746	408	9	.	.	PUNCT
inlawrev-3746	408	10	iv	iv	X
inlawrev-3746	408	11	,	,	PUNCT
inlawrev-3746	408	12	fha	fha	PROPN
inlawrev-3746	408	13	's	's	PART
inlawrev-3746	408	14	impact	impact	NOUN
inlawrev-3746	408	15	on	on	ADP
inlawrev-3746	408	16	increasing	increase	VERB
inlawrev-3746	408	17	homeownership	homeownership	NOUN
inlawrev-3746	408	18	opportunities	opportunity	NOUN
inlawrev-3746	408	19	for	for	ADP
inlawrev-3746	408	20	lowincome	lowincome	NOUN
inlawrev-3746	408	21	and	and	CCONJ
inlawrev-3746	408	22	minority	minority	NOUN
inlawrev-3746	408	23	families	family	NOUN
inlawrev-3746	408	24	during	during	ADP
inlawrev-3746	408	25	the	the	DET
inlawrev-3746	408	26	1990s	1990s	NUM
inlawrev-3746	408	27	3	3	NUM
inlawrev-3746	408	28	(	(	PUNCT
inlawrev-3746	408	29	2000	2000	NUM
inlawrev-3746	408	30	)	)	PUNCT
inlawrev-3746	408	31	,	,	PUNCT
inlawrev-3746	408	32	available	available	ADJ
inlawrev-3746	408	33	at	at	ADP
inlawrev-3746	408	34	http://www.huduser	http://www.huduser	PROPN
inlawrev-3746	408	35	.	.	PUNCT
inlawrev-3746	409	1	org	org	ADJ
inlawrev-3746	409	2	/	/	SYM
inlawrev-3746	409	3	publications	publication	NOUN
inlawrev-3746	409	4	/	/	SYM
inlawrev-3746	409	5	pdf	pdf	NOUN
inlawrev-3746	409	6	/	/	SYM
inlawrev-3746	409	7	fha.pdf	fha.pdf	NOUN
inlawrev-3746	409	8	[	[	X
inlawrev-3746	409	9	hereinafter	hereinafter	NOUN
inlawrev-3746	409	10	fha	fha	PROPN
inlawrev-3746	409	11	's	's	PART
inlawrev-3746	409	12	impact	impact	NOUN
inlawrev-3746	409	13	on	on	ADP
inlawrev-3746	409	14	increasing	increase	VERB
inlawrev-3746	409	15	homeownership	homeownership	NOUN
inlawrev-3746	409	16	opportunities	opportunity	NOUN
inlawrev-3746	409	17	]	]	PUNCT
inlawrev-3746	409	18	.	.	PUNCT
inlawrev-3746	410	1	8	8	NUM
inlawrev-3746	410	2	1	1	NUM
inlawrev-3746	410	3	.	.	PUNCT
inlawrev-3746	411	1	changes	change	NOUN
inlawrev-3746	411	2	in	in	ADP
inlawrev-3746	411	3	the	the	DET
inlawrev-3746	411	4	performance	performance	NOUN
inlawrev-3746	411	5	of	of	ADP
inlawrev-3746	411	6	fha	fha	NOUN
inlawrev-3746	411	7	-	-	PUNCT
inlawrev-3746	411	8	insured	insure	VERB
inlawrev-3746	411	9	loans	loan	NOUN
inlawrev-3746	411	10	,	,	PUNCT
inlawrev-3746	411	11	supra	supra	NOUN
inlawrev-3746	411	12	note	note	NOUN
inlawrev-3746	411	13	1	1	NUM
inlawrev-3746	411	14	7	7	NUM
inlawrev-3746	411	15	,	,	PUNCT
inlawrev-3746	411	16	at	at	ADP
inlawrev-3746	411	17	22	22	NUM
inlawrev-3746	411	18	.	.	PUNCT
inlawrev-3746	412	1	82	82	NUM
inlawrev-3746	412	2	.	.	PUNCT
inlawrev-3746	413	1	i	i	PRON
inlawrev-3746	413	2	d.	d.	PROPN
inlawrev-3746	413	3	at	at	ADP
inlawrev-3746	413	4	23	23	NUM
inlawrev-3746	413	5	.	.	PUNCT
inlawrev-3746	414	1	the	the	DET
inlawrev-3746	414	2	qualifying	qualifying	NOUN
inlawrev-3746	414	3	ratio	ratio	NOUN
inlawrev-3746	414	4	is	be	AUX
inlawrev-3746	414	5	the	the	DET
inlawrev-3746	414	6	debt	debt	NOUN
inlawrev-3746	414	7	-	-	PUNCT
inlawrev-3746	414	8	to	to	ADP
inlawrev-3746	414	9	-	-	PUNCT
inlawrev-3746	414	10	income	income	NOUN
inlawrev-3746	414	11	ratio	ratio	NOUN
inlawrev-3746	414	12	,	,	PUNCT
inlawrev-3746	414	13	which	which	PRON
inlawrev-3746	414	14	must	must	AUX
inlawrev-3746	414	15	not	not	PART
inlawrev-3746	414	16	be	be	AUX
inlawrev-3746	414	17	higher	high	ADJ
inlawrev-3746	414	18	than	than	ADP
inlawrev-3746	414	19	forty	forty	NUM
inlawrev-3746	414	20	-	-	PUNCT
inlawrev-3746	414	21	one	one	NUM
inlawrev-3746	414	22	percent	percent	NOUN
inlawrev-3746	414	23	to	to	PART
inlawrev-3746	414	24	qualify	qualify	VERB
inlawrev-3746	414	25	for	for	ADP
inlawrev-3746	414	26	an	an	DET
inlawrev-3746	414	27	fha	fha	NOUN
inlawrev-3746	414	28	-	-	PUNCT
inlawrev-3746	414	29	insured	insure	VERB
inlawrev-3746	414	30	loan	loan	NOUN
inlawrev-3746	414	31	.	.	PUNCT
inlawrev-3746	415	1	items	item	NOUN
inlawrev-3746	415	2	such	such	ADJ
inlawrev-3746	415	3	as	as	ADP
inlawrev-3746	415	4	childcare	childcare	NOUN
inlawrev-3746	415	5	expenses	expense	NOUN
inlawrev-3746	415	6	,	,	PUNCT
inlawrev-3746	415	7	which	which	PRON
inlawrev-3746	415	8	previously	previously	ADV
inlawrev-3746	415	9	were	be	AUX
inlawrev-3746	415	10	required	require	VERB
inlawrev-3746	415	11	additions	addition	NOUN
inlawrev-3746	415	12	to	to	ADP
inlawrev-3746	415	13	debt	debt	NOUN
inlawrev-3746	415	14	calculations	calculation	NOUN
inlawrev-3746	415	15	,	,	PUNCT
inlawrev-3746	415	16	no	no	ADV
inlawrev-3746	415	17	longer	long	ADV
inlawrev-3746	415	18	must	must	AUX
inlawrev-3746	415	19	be	be	AUX
inlawrev-3746	415	20	included	include	VERB
inlawrev-3746	415	21	.	.	PUNCT
inlawrev-3746	416	1	in	in	ADP
inlawrev-3746	416	2	addition	addition	NOUN
inlawrev-3746	416	3	,	,	PUNCT
inlawrev-3746	416	4	long	long	ADJ
inlawrev-3746	416	5	-	-	PUNCT
inlawrev-3746	416	6	term	term	NOUN
inlawrev-3746	416	7	debts	debt	NOUN
inlawrev-3746	416	8	previously	previously	ADV
inlawrev-3746	416	9	included	include	VERB
inlawrev-3746	416	10	debts	debt	NOUN
inlawrev-3746	416	11	extending	extend	VERB
inlawrev-3746	416	12	sixth	sixth	ADJ
inlawrev-3746	416	13	months	month	NOUN
inlawrev-3746	416	14	or	or	CCONJ
inlawrev-3746	416	15	longer	long	ADV
inlawrev-3746	416	16	,	,	PUNCT
inlawrev-3746	416	17	but	but	CCONJ
inlawrev-3746	416	18	the	the	DET
inlawrev-3746	416	19	new	new	ADJ
inlawrev-3746	416	20	guidelines	guideline	NOUN
inlawrev-3746	416	21	only	only	ADV
inlawrev-3746	416	22	include	include	VERB
inlawrev-3746	416	23	debts	debt	NOUN
inlawrev-3746	416	24	extending	extend	VERB
inlawrev-3746	416	25	ten	ten	NUM
inlawrev-3746	416	26	months	month	NOUN
inlawrev-3746	416	27	or	or	CCONJ
inlawrev-3746	416	28	more	more	ADJ
inlawrev-3746	416	29	.	.	PUNCT
inlawrev-3746	417	1	thus	thus	ADV
inlawrev-3746	417	2	,	,	PUNCT
inlawrev-3746	417	3	for	for	ADP
inlawrev-3746	417	4	many	many	ADJ
inlawrev-3746	417	5	borrowers	borrower	NOUN
inlawrev-3746	417	6	,	,	PUNCT
inlawrev-3746	417	7	less	less	ADJ
inlawrev-3746	417	8	debt	debt	NOUN
inlawrev-3746	417	9	was	be	AUX
inlawrev-3746	417	10	included	include	VERB
inlawrev-3746	417	11	in	in	ADP
inlawrev-3746	417	12	their	their	PRON
inlawrev-3746	417	13	debt	debt	NOUN
inlawrev-3746	417	14	-	-	PUNCT
inlawrev-3746	417	15	to	to	ADP
inlawrev-3746	417	16	-	-	PUNCT
inlawrev-3746	417	17	income	income	NOUN
inlawrev-3746	417	18	ratio	ratio	NOUN
inlawrev-3746	417	19	,	,	PUNCT
inlawrev-3746	417	20	and	and	CCONJ
inlawrev-3746	417	21	they	they	PRON
inlawrev-3746	417	22	were	be	AUX
inlawrev-3746	417	23	able	able	ADJ
inlawrev-3746	417	24	to	to	PART
inlawrev-3746	417	25	meet	meet	VERB
inlawrev-3746	417	26	the	the	DET
inlawrev-3746	417	27	forty	forty	NUM
inlawrev-3746	417	28	-	-	PUNCT
inlawrev-3746	417	29	one	one	NUM
inlawrev-3746	417	30	percent	percent	NOUN
inlawrev-3746	417	31	threshold	threshold	NOUN
inlawrev-3746	417	32	for	for	ADP
inlawrev-3746	417	33	the	the	DET
inlawrev-3746	417	34	first	first	ADJ
inlawrev-3746	417	35	time	time	NOUN
inlawrev-3746	417	36	.	.	PUNCT
inlawrev-3746	418	1	83	83	NUM
inlawrev-3746	418	2	.	.	PUNCT
inlawrev-3746	419	1	i	i	PRON
inlawrev-3746	419	2	d.	d.	PROPN
inlawrev-3746	419	3	at	at	ADP
inlawrev-3746	419	4	24	24	NUM
inlawrev-3746	419	5	.	.	PUNCT
inlawrev-3746	419	6	mortgage	mortgage	NOUN
inlawrev-3746	419	7	payments	payment	NOUN
inlawrev-3746	419	8	under	under	ADP
inlawrev-3746	419	9	the	the	DET
inlawrev-3746	419	10	payment	payment	NOUN
inlawrev-3746	419	11	-	-	PUNCT
inlawrev-3746	419	12	to	to	ADP
inlawrev-3746	419	13	-	-	PUNCT
inlawrev-3746	419	14	income	income	NOUN
inlawrev-3746	419	15	ratio	ratio	NOUN
inlawrev-3746	419	16	maynot	maynot	INTJ
inlawrev-3746	419	17	exceed	exceed	VERB
inlawrev-3746	419	18	twentynine	twentynine	PROPN
inlawrev-3746	419	19	percent	percent	NOUN
inlawrev-3746	419	20	of	of	ADP
inlawrev-3746	419	21	a	a	DET
inlawrev-3746	419	22	borrower	borrower	NOUN
inlawrev-3746	419	23	's	's	PART
inlawrev-3746	419	24	monthly	monthly	ADJ
inlawrev-3746	419	25	income	income	NOUN
inlawrev-3746	419	26	.	.	PUNCT
inlawrev-3746	420	1	thus	thus	ADV
inlawrev-3746	420	2	,	,	PUNCT
inlawrev-3746	420	3	additional	additional	ADJ
inlawrev-3746	420	4	income	income	NOUN
inlawrev-3746	420	5	items	item	NOUN
inlawrev-3746	420	6	enable	enable	VERB
inlawrev-3746	420	7	more	more	ADJ
inlawrev-3746	420	8	people	people	NOUN
inlawrev-3746	420	9	1	1	NUM
inlawrev-3746	420	10	00	00	NUM
inlawrev-3746	420	11	indiana	indiana	PROPN
inlawrev-3746	420	12	law	law	PROPN
inlawrev-3746	420	13	review	review	NOUN
inlawrev-3746	421	1	[	[	X
inlawrev-3746	421	2	vol	vol	NOUN
inlawrev-3746	421	3	.	.	PUNCT
inlawrev-3746	421	4	39:87	39:87	NUM
inlawrev-3746	421	5	also	also	ADV
inlawrev-3746	421	6	increased	increase	VERB
inlawrev-3746	421	7	the	the	DET
inlawrev-3746	421	8	number	number	NOUN
inlawrev-3746	421	9	ofcompensating	ofcompensate	VERB
inlawrev-3746	421	10	factors	factor	NOUN
inlawrev-3746	421	11	that	that	PRON
inlawrev-3746	421	12	may	may	AUX
inlawrev-3746	421	13	nonetheless	nonetheless	ADV
inlawrev-3746	421	14	approve	approve	VERB
inlawrev-3746	421	15	a	a	DET
inlawrev-3746	421	16	borrower	borrower	NOUN
inlawrev-3746	421	17	for	for	ADP
inlawrev-3746	421	18	a	a	DET
inlawrev-3746	421	19	loan	loan	NOUN
inlawrev-3746	421	20	amount	amount	NOUN
inlawrev-3746	421	21	.	.	PUNCT
inlawrev-3746	422	1	84	84	NUM
inlawrev-3746	422	2	finally	finally	ADV
inlawrev-3746	422	3	,	,	PUNCT
inlawrev-3746	422	4	the	the	DET
inlawrev-3746	422	5	fha	fha	PROPN
inlawrev-3746	422	6	relaxed	relax	VERB
inlawrev-3746	422	7	the	the	DET
inlawrev-3746	422	8	standards	standard	NOUN
inlawrev-3746	422	9	for	for	ADP
inlawrev-3746	422	10	evaluation	evaluation	NOUN
inlawrev-3746	422	11	of	of	ADP
inlawrev-3746	422	12	past	past	ADJ
inlawrev-3746	422	13	credit	credit	NOUN
inlawrev-3746	422	14	history	history	NOUN
inlawrev-3746	422	15	,	,	PUNCT
inlawrev-3746	422	16	allowing	allow	VERB
inlawrev-3746	422	17	some	some	DET
inlawrev-3746	422	18	people	people	NOUN
inlawrev-3746	422	19	with	with	ADP
inlawrev-3746	422	20	previously	previously	ADV
inlawrev-3746	422	21	poor	poor	ADJ
inlawrev-3746	422	22	credit	credit	NOUN
inlawrev-3746	422	23	to	to	PART
inlawrev-3746	422	24	qualify	qualify	VERB
inlawrev-3746	422	25	for	for	ADP
inlawrev-3746	422	26	new	new	ADJ
inlawrev-3746	422	27	mortgages.85	mortgages.85	NOUN
inlawrev-3746	422	28	at	at	ADP
inlawrev-3746	422	29	the	the	DET
inlawrev-3746	422	30	same	same	ADJ
inlawrev-3746	422	31	time	time	NOUN
inlawrev-3746	422	32	the	the	DET
inlawrev-3746	422	33	fha	fha	PROPN
inlawrev-3746	422	34	relaxed	relax	VERB
inlawrev-3746	422	35	these	these	DET
inlawrev-3746	422	36	underwriting	underwriting	NOUN
inlawrev-3746	422	37	requirements	requirement	NOUN
inlawrev-3746	422	38	,	,	PUNCT
inlawrev-3746	422	39	congress	congress	PROPN
inlawrev-3746	422	40	raised	raise	VERB
inlawrev-3746	422	41	loan	loan	NOUN
inlawrev-3746	422	42	limits	limit	NOUN
inlawrev-3746	422	43	for	for	ADP
inlawrev-3746	422	44	fha	fha	PROPN
inlawrev-3746	422	45	loans	loan	NOUN
inlawrev-3746	422	46	to	to	ADP
inlawrev-3746	422	47	forty	forty	NUM
inlawrev-3746	422	48	-	-	PUNCT
inlawrev-3746	422	49	eight	eight	NUM
inlawrev-3746	422	50	and	and	CCONJ
inlawrev-3746	422	51	eighty	eighty	NUM
inlawrev-3746	422	52	-	-	PUNCT
inlawrev-3746	422	53	seven	seven	NUM
inlawrev-3746	422	54	percent	percent	NOUN
inlawrev-3746	422	55	of	of	ADP
inlawrev-3746	422	56	the	the	DET
inlawrev-3746	422	57	conforming	conform	VERB
inlawrev-3746	422	58	loan	loan	NOUN
inlawrev-3746	422	59	limit	limit	NOUN
inlawrev-3746	422	60	.	.	PUNCT
inlawrev-3746	423	1	86	86	NUM
inlawrev-3746	423	2	this	this	DET
inlawrev-3746	423	3	change	change	NOUN
inlawrev-3746	423	4	came	come	VERB
inlawrev-3746	423	5	at	at	ADP
inlawrev-3746	423	6	hud	hud	PROPN
inlawrev-3746	423	7	's	's	PART
inlawrev-3746	423	8	request	request	NOUN
inlawrev-3746	423	9	,	,	PUNCT
inlawrev-3746	423	10	again	again	ADV
inlawrev-3746	423	11	in	in	ADP
inlawrev-3746	423	12	line	line	NOUN
inlawrev-3746	423	13	with	with	ADP
inlawrev-3746	423	14	its	its	PRON
inlawrev-3746	423	15	goal	goal	NOUN
inlawrev-3746	423	16	to	to	PART
inlawrev-3746	423	17	give	give	VERB
inlawrev-3746	423	18	more	more	ADJ
inlawrev-3746	423	19	families	family	NOUN
inlawrev-3746	423	20	the	the	DET
inlawrev-3746	423	21	ability	ability	NOUN
inlawrev-3746	423	22	to	to	PART
inlawrev-3746	423	23	use	use	VERB
inlawrev-3746	423	24	the	the	DET
inlawrev-3746	423	25	fha	fha	NOUN
inlawrev-3746	423	26	for	for	ADP
inlawrev-3746	423	27	their	their	PRON
inlawrev-3746	423	28	mortgages.87	mortgages.87	PROPN
inlawrev-3746	423	29	while	while	SCONJ
inlawrev-3746	423	30	this	this	DET
inlawrev-3746	423	31	change	change	NOUN
inlawrev-3746	423	32	did	do	AUX
inlawrev-3746	423	33	allow	allow	VERB
inlawrev-3746	423	34	more	more	ADJ
inlawrev-3746	423	35	people	people	NOUN
inlawrev-3746	423	36	to	to	PART
inlawrev-3746	423	37	obtain	obtain	VERB
inlawrev-3746	423	38	fha	fha	NOUN
inlawrev-3746	423	39	-	-	PUNCT
inlawrev-3746	423	40	insured	insure	VERB
inlawrev-3746	423	41	loans	loan	NOUN
inlawrev-3746	423	42	,	,	PUNCT
inlawrev-3746	423	43	these	these	DET
inlawrev-3746	423	44	loans	loan	NOUN
inlawrev-3746	423	45	carried	carry	VERB
inlawrev-3746	423	46	higher	high	ADJ
inlawrev-3746	423	47	principal	principal	ADJ
inlawrev-3746	423	48	values	value	NOUN
inlawrev-3746	423	49	than	than	SCONJ
inlawrev-3746	423	50	the	the	DET
inlawrev-3746	423	51	fha	fha	PROPN
inlawrev-3746	423	52	had	have	AUX
inlawrev-3746	423	53	dealt	deal	VERB
inlawrev-3746	423	54	with	with	ADP
inlawrev-3746	423	55	previously,88	previously,88	NOUN
inlawrev-3746	423	56	which	which	PRON
inlawrev-3746	423	57	can	can	AUX
inlawrev-3746	423	58	lead	lead	VERB
inlawrev-3746	423	59	to	to	ADP
inlawrev-3746	423	60	larger	large	ADJ
inlawrev-3746	423	61	losses	loss	NOUN
inlawrev-3746	423	62	for	for	ADP
inlawrev-3746	423	63	the	the	DET
inlawrev-3746	423	64	mmif	mmif	ADJ
inlawrev-3746	423	65	ifborrowers	ifborrower	NOUN
inlawrev-3746	423	66	are	be	AUX
inlawrev-3746	423	67	unable	unable	ADJ
inlawrev-3746	423	68	to	to	PART
inlawrev-3746	423	69	fulfill	fulfill	VERB
inlawrev-3746	423	70	the	the	DET
inlawrev-3746	423	71	terms	term	NOUN
inlawrev-3746	423	72	of	of	ADP
inlawrev-3746	423	73	their	their	PRON
inlawrev-3746	423	74	mortgages	mortgage	NOUN
inlawrev-3746	423	75	.	.	PUNCT
inlawrev-3746	424	1	finally	finally	ADV
inlawrev-3746	424	2	,	,	PUNCT
inlawrev-3746	424	3	competition	competition	NOUN
inlawrev-3746	424	4	from	from	ADP
inlawrev-3746	424	5	the	the	DET
inlawrev-3746	424	6	private	private	ADJ
inlawrev-3746	424	7	mortgage	mortgage	NOUN
inlawrev-3746	424	8	insurance	insurance	NOUN
inlawrev-3746	424	9	market	market	NOUN
inlawrev-3746	424	10	also	also	ADV
inlawrev-3746	424	11	increased	increase	VERB
inlawrev-3746	424	12	while	while	SCONJ
inlawrev-3746	424	13	the	the	DET
inlawrev-3746	424	14	fhawas	fhawas	ADV
inlawrev-3746	424	15	changing	change	VERB
inlawrev-3746	424	16	its	its	PRON
inlawrev-3746	424	17	requirements.89	requirements.89	NOUN
inlawrev-3746	424	18	these	these	DET
inlawrev-3746	424	19	private	private	ADJ
inlawrev-3746	424	20	insurers	insurer	NOUN
inlawrev-3746	424	21	serve	serve	VERB
inlawrev-3746	424	22	essentially	essentially	ADV
inlawrev-3746	424	23	the	the	DET
inlawrev-3746	424	24	same	same	ADJ
inlawrev-3746	424	25	purpose	purpose	NOUN
inlawrev-3746	424	26	as	as	ADP
inlawrev-3746	424	27	the	the	DET
inlawrev-3746	424	28	fha	fha	PROPN
inlawrev-3746	424	29	,	,	PUNCT
inlawrev-3746	424	30	offering	offer	VERB
inlawrev-3746	424	31	mortgages	mortgage	NOUN
inlawrev-3746	424	32	with	with	ADP
inlawrev-3746	424	33	low	low	ADJ
inlawrev-3746	424	34	down	down	ADJ
inlawrev-3746	424	35	payments	payment	NOUN
inlawrev-3746	424	36	to	to	ADP
inlawrev-3746	424	37	borrowers	borrower	NOUN
inlawrev-3746	424	38	who	who	PRON
inlawrev-3746	424	39	may	may	AUX
inlawrev-3746	424	40	not	not	PART
inlawrev-3746	424	41	be	be	AUX
inlawrev-3746	424	42	otherwise	otherwise	ADV
inlawrev-3746	424	43	qualified	qualified	ADJ
inlawrev-3746	424	44	,	,	PUNCT
inlawrev-3746	424	45	but	but	CCONJ
inlawrev-3746	424	46	whom	whom	PRON
inlawrev-3746	424	47	the	the	DET
inlawrev-3746	424	48	insurer	insurer	NOUN
inlawrev-3746	424	49	sees	see	VERB
inlawrev-3746	424	50	as	as	ADP
inlawrev-3746	424	51	a	a	DET
inlawrev-3746	424	52	low	low	ADJ
inlawrev-3746	424	53	-	-	PUNCT
inlawrev-3746	424	54	risk	risk	NOUN
inlawrev-3746	424	55	borrower	borrower	NOUN
inlawrev-3746	424	56	.	.	PUNCT
inlawrev-3746	425	1	90	90	NUM
inlawrev-3746	425	2	borrowers	borrower	NOUN
inlawrev-3746	425	3	often	often	ADV
inlawrev-3746	425	4	prefer	prefer	VERB
inlawrev-3746	425	5	private	private	ADJ
inlawrev-3746	425	6	mortgage	mortgage	NOUN
inlawrev-3746	425	7	insurance	insurance	NOUN
inlawrev-3746	425	8	,	,	PUNCT
inlawrev-3746	425	9	ifattainable	ifattainable	ADJ
inlawrev-3746	425	10	,	,	PUNCT
inlawrev-3746	425	11	because	because	SCONJ
inlawrev-3746	425	12	it	it	PRON
inlawrev-3746	425	13	is	be	AUX
inlawrev-3746	425	14	less	less	ADV
inlawrev-3746	425	15	expensive	expensive	ADJ
inlawrev-3746	425	16	than	than	ADP
inlawrev-3746	425	17	fha	fha	PROPN
inlawrev-3746	425	18	insurance.91	insurance.91	PROPN
inlawrev-3746	425	19	in	in	ADP
inlawrev-3746	425	20	the	the	PRON
inlawrev-3746	425	21	to	to	PART
inlawrev-3746	425	22	qualify	qualify	VERB
inlawrev-3746	425	23	for	for	ADP
inlawrev-3746	425	24	loans	loan	NOUN
inlawrev-3746	425	25	and	and	CCONJ
inlawrev-3746	425	26	for	for	ADP
inlawrev-3746	425	27	higher	high	ADJ
inlawrev-3746	425	28	loan	loan	NOUN
inlawrev-3746	425	29	amounts	amount	NOUN
inlawrev-3746	425	30	.	.	PUNCT
inlawrev-3746	426	1	when	when	SCONJ
inlawrev-3746	426	2	calculating	calculate	VERB
inlawrev-3746	426	3	income	income	NOUN
inlawrev-3746	426	4	,	,	PUNCT
inlawrev-3746	426	5	lenders	lender	NOUN
inlawrev-3746	426	6	balance	balance	VERB
inlawrev-3746	426	7	the	the	DET
inlawrev-3746	426	8	amount	amount	NOUN
inlawrev-3746	426	9	of	of	ADP
inlawrev-3746	426	10	anticipated	anticipated	ADJ
inlawrev-3746	426	11	income	income	NOUN
inlawrev-3746	426	12	with	with	ADP
inlawrev-3746	426	13	the	the	DET
inlawrev-3746	426	14	likelihood	likelihood	NOUN
inlawrev-3746	426	15	the	the	DET
inlawrev-3746	426	16	income	income	NOUN
inlawrev-3746	426	17	will	will	AUX
inlawrev-3746	426	18	continue	continue	VERB
inlawrev-3746	426	19	.	.	PUNCT
inlawrev-3746	427	1	the	the	DET
inlawrev-3746	427	2	underwriting	underwriting	NOUN
inlawrev-3746	427	3	changes	change	NOUN
inlawrev-3746	427	4	now	now	ADV
inlawrev-3746	427	5	allow	allow	VERB
inlawrev-3746	427	6	certain	certain	ADJ
inlawrev-3746	427	7	types	type	NOUN
inlawrev-3746	427	8	of	of	ADP
inlawrev-3746	427	9	income	income	NOUN
inlawrev-3746	427	10	that	that	PRON
inlawrev-3746	427	11	were	be	AUX
inlawrev-3746	427	12	previously	previously	ADV
inlawrev-3746	427	13	considered	consider	VERB
inlawrev-3746	427	14	too	too	ADV
inlawrev-3746	427	15	volatile	volatile	ADJ
inlawrev-3746	427	16	to	to	PART
inlawrev-3746	427	17	be	be	AUX
inlawrev-3746	427	18	included	include	VERB
inlawrev-3746	427	19	,	,	PUNCT
inlawrev-3746	427	20	such	such	ADJ
inlawrev-3746	427	21	as	as	ADP
inlawrev-3746	427	22	overtime	overtime	NOUN
inlawrev-3746	427	23	and	and	CCONJ
inlawrev-3746	427	24	bonuses	bonus	NOUN
inlawrev-3746	427	25	.	.	PUNCT
inlawrev-3746	428	1	in	in	ADP
inlawrev-3746	428	2	addition	addition	NOUN
inlawrev-3746	428	3	,	,	PUNCT
inlawrev-3746	428	4	income	income	NOUN
inlawrev-3746	428	5	must	must	AUX
inlawrev-3746	428	6	now	now	ADV
inlawrev-3746	428	7	only	only	ADV
inlawrev-3746	428	8	be	be	AUX
inlawrev-3746	428	9	expected	expect	VERB
inlawrev-3746	428	10	to	to	PART
inlawrev-3746	428	11	continue	continue	VERB
inlawrev-3746	428	12	for	for	ADP
inlawrev-3746	428	13	three	three	NUM
inlawrev-3746	428	14	years	year	NOUN
inlawrev-3746	428	15	,	,	PUNCT
inlawrev-3746	428	16	when	when	SCONJ
inlawrev-3746	428	17	in	in	ADP
inlawrev-3746	428	18	the	the	DET
inlawrev-3746	428	19	past	past	NOUN
inlawrev-3746	428	20	it	it	PRON
inlawrev-3746	428	21	must	must	AUX
inlawrev-3746	428	22	have	have	AUX
inlawrev-3746	428	23	met	meet	VERB
inlawrev-3746	428	24	a	a	DET
inlawrev-3746	428	25	five	five	NUM
inlawrev-3746	428	26	-	-	PUNCT
inlawrev-3746	428	27	year	year	NOUN
inlawrev-3746	428	28	mark	mark	NOUN
inlawrev-3746	428	29	.	.	PUNCT
inlawrev-3746	429	1	84	84	NUM
inlawrev-3746	429	2	.	.	PUNCT
inlawrev-3746	430	1	i	i	PRON
inlawrev-3746	430	2	d.	d.	PROPN
inlawrev-3746	430	3	while	while	SCONJ
inlawrev-3746	430	4	the	the	DET
inlawrev-3746	430	5	qualifying	qualifying	NOUN
inlawrev-3746	430	6	ratios	ratio	NOUN
inlawrev-3746	430	7	discussed	discuss	VERB
inlawrev-3746	430	8	above	above	ADP
inlawrev-3746	430	9	serve	serve	VERB
inlawrev-3746	430	10	as	as	ADP
inlawrev-3746	430	11	guidelines	guideline	NOUN
inlawrev-3746	430	12	for	for	SCONJ
inlawrev-3746	430	13	lenders	lender	NOUN
inlawrev-3746	430	14	to	to	PART
inlawrev-3746	430	15	follow	follow	VERB
inlawrev-3746	430	16	,	,	PUNCT
inlawrev-3746	430	17	borrowers	borrower	NOUN
inlawrev-3746	430	18	are	be	AUX
inlawrev-3746	430	19	not	not	PART
inlawrev-3746	430	20	completely	completely	ADV
inlawrev-3746	430	21	barred	bar	VERB
inlawrev-3746	430	22	from	from	ADP
inlawrev-3746	430	23	fha	fha	NOUN
inlawrev-3746	430	24	-	-	PUNCT
inlawrev-3746	430	25	insured	insure	VERB
inlawrev-3746	430	26	protection	protection	NOUN
inlawrev-3746	430	27	if	if	SCONJ
inlawrev-3746	430	28	they	they	PRON
inlawrev-3746	430	29	do	do	AUX
inlawrev-3746	430	30	not	not	PART
inlawrev-3746	430	31	meet	meet	VERB
inlawrev-3746	430	32	the	the	DET
inlawrev-3746	430	33	stated	state	VERB
inlawrev-3746	430	34	percentages	percentage	NOUN
inlawrev-3746	430	35	.	.	PUNCT
inlawrev-3746	431	1	the	the	DET
inlawrev-3746	431	2	new	new	ADJ
inlawrev-3746	431	3	underwriting	underwriting	NOUN
inlawrev-3746	431	4	standards	standard	NOUN
inlawrev-3746	431	5	included	include	VERB
inlawrev-3746	431	6	several	several	ADJ
inlawrev-3746	431	7	new	new	ADJ
inlawrev-3746	431	8	compensating	compensating	NOUN
inlawrev-3746	431	9	factors	factor	NOUN
inlawrev-3746	431	10	that	that	PRON
inlawrev-3746	431	11	lenders	lender	NOUN
inlawrev-3746	431	12	mayweigh	mayweigh	VERB
inlawrev-3746	431	13	in	in	ADP
inlawrev-3746	431	14	determining	determine	VERB
inlawrev-3746	431	15	solvency	solvency	NOUN
inlawrev-3746	431	16	.	.	PUNCT
inlawrev-3746	432	1	lenders	lender	NOUN
inlawrev-3746	432	2	maynow	maynow	ADV
inlawrev-3746	432	3	include	include	VERB
inlawrev-3746	432	4	public	public	ADJ
inlawrev-3746	432	5	benefits	benefit	NOUN
inlawrev-3746	432	6	,	,	PUNCT
inlawrev-3746	432	7	such	such	ADJ
inlawrev-3746	432	8	as	as	ADP
inlawrev-3746	432	9	food	food	NOUN
inlawrev-3746	432	10	stamps	stamp	NOUN
inlawrev-3746	432	11	or	or	CCONJ
inlawrev-3746	432	12	welfare	welfare	NOUN
inlawrev-3746	432	13	,	,	PUNCT
inlawrev-3746	432	14	in	in	ADP
inlawrev-3746	432	15	the	the	DET
inlawrev-3746	432	16	borrower	borrower	NOUN
inlawrev-3746	432	17	's	's	PART
inlawrev-3746	432	18	ability	ability	NOUN
inlawrev-3746	432	19	to	to	PART
inlawrev-3746	432	20	pay	pay	VERB
inlawrev-3746	432	21	.	.	PUNCT
inlawrev-3746	433	1	in	in	ADP
inlawrev-3746	433	2	addition	addition	NOUN
inlawrev-3746	433	3	,	,	PUNCT
inlawrev-3746	433	4	if	if	SCONJ
inlawrev-3746	433	5	a	a	DET
inlawrev-3746	433	6	borrower	borrower	NOUN
inlawrev-3746	433	7	has	have	AUX
inlawrev-3746	433	8	shown	show	VERB
inlawrev-3746	433	9	an	an	DET
inlawrev-3746	433	10	ability	ability	NOUN
inlawrev-3746	433	11	to	to	PART
inlawrev-3746	433	12	pay	pay	VERB
inlawrev-3746	433	13	housing	housing	NOUN
inlawrev-3746	433	14	expenses	expense	NOUN
inlawrev-3746	433	15	greater	great	ADJ
inlawrev-3746	433	16	than	than	ADP
inlawrev-3746	433	17	those	those	PRON
inlawrev-3746	433	18	allowed	allow	VERB
inlawrev-3746	433	19	in	in	ADP
inlawrev-3746	433	20	the	the	DET
inlawrev-3746	433	21	past	past	NOUN
inlawrev-3746	433	22	,	,	PUNCT
inlawrev-3746	433	23	lenders	lender	NOUN
inlawrev-3746	433	24	may	may	AUX
inlawrev-3746	433	25	allow	allow	VERB
inlawrev-3746	433	26	the	the	DET
inlawrev-3746	433	27	increased	increase	VERB
inlawrev-3746	433	28	amount	amount	NOUN
inlawrev-3746	433	29	.	.	PUNCT
inlawrev-3746	434	1	85	85	NUM
inlawrev-3746	434	2	.	.	PUNCT
inlawrev-3746	435	1	i	i	PRON
inlawrev-3746	435	2	d.	d.	PROPN
inlawrev-3746	435	3	at	at	ADP
inlawrev-3746	435	4	25	25	NUM
inlawrev-3746	435	5	.	.	PUNCT
inlawrev-3746	436	1	before	before	ADP
inlawrev-3746	436	2	the	the	DET
inlawrev-3746	436	3	underwriting	underwriting	NOUN
inlawrev-3746	436	4	changes	change	NOUN
inlawrev-3746	436	5	,	,	PUNCT
inlawrev-3746	436	6	borrowers	borrower	NOUN
inlawrev-3746	436	7	were	be	AUX
inlawrev-3746	436	8	unable	unable	ADJ
inlawrev-3746	436	9	to	to	PART
inlawrev-3746	436	10	qualify	qualify	VERB
inlawrev-3746	436	11	for	for	ADP
inlawrev-3746	436	12	fhainsured	fhainsured	ADJ
inlawrev-3746	436	13	loans	loan	NOUN
inlawrev-3746	436	14	if	if	SCONJ
inlawrev-3746	436	15	they	they	PRON
inlawrev-3746	436	16	were	be	AUX
inlawrev-3746	436	17	delinquent	delinquent	ADJ
inlawrev-3746	436	18	on	on	ADP
inlawrev-3746	436	19	any	any	DET
inlawrev-3746	436	20	federal	federal	ADJ
inlawrev-3746	436	21	debt	debt	NOUN
inlawrev-3746	436	22	or	or	CCONJ
inlawrev-3746	436	23	liens	lien	NOUN
inlawrev-3746	436	24	on	on	ADP
inlawrev-3746	436	25	any	any	DET
inlawrev-3746	436	26	property	property	NOUN
inlawrev-3746	436	27	.	.	PUNCT
inlawrev-3746	437	1	however	however	ADV
inlawrev-3746	437	2	,	,	PUNCT
inlawrev-3746	437	3	the	the	DET
inlawrev-3746	437	4	fha	fha	PROPN
inlawrev-3746	437	5	will	will	AUX
inlawrev-3746	437	6	now	now	ADV
inlawrev-3746	437	7	qualify	qualify	VERB
inlawrev-3746	437	8	such	such	ADJ
inlawrev-3746	437	9	individuals	individual	NOUN
inlawrev-3746	437	10	.	.	PUNCT
inlawrev-3746	438	1	in	in	ADP
inlawrev-3746	438	2	addition	addition	NOUN
inlawrev-3746	438	3	to	to	ADP
inlawrev-3746	438	4	traditional	traditional	ADJ
inlawrev-3746	438	5	credit	credit	NOUN
inlawrev-3746	438	6	reports	report	NOUN
inlawrev-3746	438	7	,	,	PUNCT
inlawrev-3746	438	8	lenders	lender	NOUN
inlawrev-3746	438	9	were	be	AUX
inlawrev-3746	438	10	previously	previously	ADV
inlawrev-3746	438	11	only	only	ADV
inlawrev-3746	438	12	permitted	permit	VERB
inlawrev-3746	438	13	to	to	PART
inlawrev-3746	438	14	use	use	VERB
inlawrev-3746	438	15	rent	rent	NOUN
inlawrev-3746	438	16	or	or	CCONJ
inlawrev-3746	438	17	utilities	utility	NOUN
inlawrev-3746	438	18	as	as	ADP
inlawrev-3746	438	19	a	a	DET
inlawrev-3746	438	20	nontraditional	nontraditional	ADJ
inlawrev-3746	438	21	way	way	NOUN
inlawrev-3746	438	22	of	of	ADP
inlawrev-3746	438	23	showing	show	VERB
inlawrev-3746	438	24	good	good	ADJ
inlawrev-3746	438	25	credit	credit	NOUN
inlawrev-3746	438	26	.	.	PUNCT
inlawrev-3746	439	1	the	the	DET
inlawrev-3746	439	2	underwriting	underwriting	NOUN
inlawrev-3746	439	3	changes	change	NOUN
inlawrev-3746	439	4	now	now	ADV
inlawrev-3746	439	5	allow	allow	VERB
inlawrev-3746	439	6	other	other	ADJ
inlawrev-3746	439	7	nontraditional	nontraditional	ADJ
inlawrev-3746	439	8	credit	credit	NOUN
inlawrev-3746	439	9	reports	report	NOUN
inlawrev-3746	439	10	as	as	ADV
inlawrev-3746	439	11	well	well	ADV
inlawrev-3746	439	12	,	,	PUNCT
inlawrev-3746	439	13	which	which	PRON
inlawrev-3746	439	14	consider	consider	VERB
inlawrev-3746	439	15	periodic	periodic	ADJ
inlawrev-3746	439	16	payments	payment	NOUN
inlawrev-3746	439	17	such	such	ADJ
inlawrev-3746	439	18	as	as	ADP
inlawrev-3746	439	19	tuition	tuition	NOUN
inlawrev-3746	439	20	,	,	PUNCT
inlawrev-3746	439	21	insurance	insurance	NOUN
inlawrev-3746	439	22	,	,	PUNCT
inlawrev-3746	439	23	and	and	CCONJ
inlawrev-3746	439	24	medical	medical	ADJ
inlawrev-3746	439	25	bills	bill	NOUN
inlawrev-3746	439	26	.	.	PUNCT
inlawrev-3746	440	1	these	these	DET
inlawrev-3746	440	2	changes	change	NOUN
inlawrev-3746	440	3	essentially	essentially	ADV
inlawrev-3746	440	4	allow	allow	VERB
inlawrev-3746	440	5	lenders	lender	NOUN
inlawrev-3746	440	6	to	to	PART
inlawrev-3746	440	7	choose	choose	VERB
inlawrev-3746	440	8	what	what	PRON
inlawrev-3746	440	9	credit	credit	NOUN
inlawrev-3746	440	10	history	history	NOUN
inlawrev-3746	440	11	casts	cast	VERB
inlawrev-3746	440	12	the	the	DET
inlawrev-3746	440	13	borrower	borrower	NOUN
inlawrev-3746	440	14	in	in	ADP
inlawrev-3746	440	15	the	the	DET
inlawrev-3746	440	16	best	good	ADJ
inlawrev-3746	440	17	light	light	NOUN
inlawrev-3746	440	18	and	and	CCONJ
inlawrev-3746	440	19	then	then	ADV
inlawrev-3746	440	20	approve	approve	VERB
inlawrev-3746	440	21	them	they	PRON
inlawrev-3746	440	22	for	for	ADP
inlawrev-3746	440	23	mortgages	mortgage	NOUN
inlawrev-3746	440	24	to	to	PART
inlawrev-3746	440	25	be	be	AUX
inlawrev-3746	440	26	insured	insure	VERB
inlawrev-3746	440	27	by	by	ADP
inlawrev-3746	440	28	the	the	DET
inlawrev-3746	440	29	fha	fha	PROPN
inlawrev-3746	440	30	.	.	PROPN
inlawrev-3746	440	31	86	86	NUM
inlawrev-3746	440	32	.	.	PUNCT
inlawrev-3746	441	1	fha	fha	PROPN
inlawrev-3746	441	2	's	's	PART
inlawrev-3746	441	3	impact	impact	NOUN
inlawrev-3746	441	4	on	on	ADP
inlawrev-3746	441	5	increasing	increase	VERB
inlawrev-3746	441	6	homeownership	homeownership	NOUN
inlawrev-3746	441	7	opportunities	opportunity	NOUN
inlawrev-3746	441	8	,	,	PUNCT
inlawrev-3746	441	9	supra	supra	PROPN
inlawrev-3746	441	10	note	note	PROPN
inlawrev-3746	441	11	80	80	NUM
inlawrev-3746	441	12	,	,	PUNCT
inlawrev-3746	441	13	at	at	ADP
inlawrev-3746	441	14	6	6	NUM
inlawrev-3746	441	15	.	.	PUNCT
inlawrev-3746	442	1	at	at	ADP
inlawrev-3746	442	2	these	these	DET
inlawrev-3746	442	3	levels	level	NOUN
inlawrev-3746	442	4	,	,	PUNCT
inlawrev-3746	442	5	the	the	DET
inlawrev-3746	442	6	fha	fha	PROPN
inlawrev-3746	442	7	insures	insure	VERB
inlawrev-3746	442	8	homes	home	NOUN
inlawrev-3746	442	9	with	with	ADP
inlawrev-3746	442	10	prices	price	NOUN
inlawrev-3746	442	11	between	between	ADP
inlawrev-3746	442	12	$	$	SYM
inlawrev-3746	442	13	132,000	132,000	NUM
inlawrev-3746	442	14	and	and	CCONJ
inlawrev-3746	442	15	$	$	SYM
inlawrev-3746	442	16	239,250	239,250	NUM
inlawrev-3746	442	17	.	.	PUNCT
inlawrev-3746	443	1	87	87	NUM
inlawrev-3746	443	2	.	.	PUNCT
inlawrev-3746	444	1	i	i	PRON
inlawrev-3746	444	2	d.	d.	PROPN
inlawrev-3746	444	3	88	88	NUM
inlawrev-3746	444	4	.	.	PUNCT
inlawrev-3746	445	1	changes	change	NOUN
inlawrev-3746	445	2	in	in	ADP
inlawrev-3746	445	3	the	the	DET
inlawrev-3746	445	4	performance	performance	NOUN
inlawrev-3746	445	5	of	of	ADP
inlawrev-3746	445	6	fha	fha	NOUN
inlawrev-3746	445	7	-	-	PUNCT
inlawrev-3746	445	8	insured	insure	VERB
inlawrev-3746	445	9	loans	loan	NOUN
inlawrev-3746	445	10	,	,	PUNCT
inlawrev-3746	445	11	supra	supra	NOUN
inlawrev-3746	445	12	note	note	NOUN
inlawrev-3746	445	13	1	1	NUM
inlawrev-3746	445	14	7	7	NUM
inlawrev-3746	445	15	,	,	PUNCT
inlawrev-3746	445	16	at	at	ADP
inlawrev-3746	445	17	3	3	NUM
inlawrev-3746	445	18	.	.	NOUN
inlawrev-3746	445	19	89	89	NUM
inlawrev-3746	445	20	.	.	PUNCT
inlawrev-3746	446	1	i	i	PRON
inlawrev-3746	446	2	d.	d.	PROPN
inlawrev-3746	446	3	at	at	ADP
inlawrev-3746	446	4	26	26	NUM
inlawrev-3746	446	5	.	.	PUNCT
inlawrev-3746	447	1	90	90	NUM
inlawrev-3746	447	2	.	.	PUNCT
inlawrev-3746	448	1	i	i	PRON
inlawrev-3746	448	2	d.	d.	PROPN
inlawrev-3746	448	3	at	at	ADP
inlawrev-3746	448	4	22	22	NUM
inlawrev-3746	448	5	.	.	PUNCT
inlawrev-3746	448	6	91	91	NUM
inlawrev-3746	448	7	.	.	PUNCT
inlawrev-3746	449	1	i	i	PRON
inlawrev-3746	449	2	d.	d.	PROPN
inlawrev-3746	449	3	at	at	ADP
inlawrev-3746	449	4	26	26	NUM
inlawrev-3746	449	5	.	.	PUNCT
inlawrev-3746	450	1	2005	2005	NUM
inlawrev-3746	450	2	]	]	PUNCT
inlawrev-3746	450	3	hoosier	hoosier	NOUN
inlawrev-3746	450	4	inhospitality	inhospitality	NOUN
inlawrev-3746	450	5	101	101	NUM
inlawrev-3746	450	6	past	past	NOUN
inlawrev-3746	450	7	,	,	PUNCT
inlawrev-3746	450	8	the	the	DET
inlawrev-3746	450	9	fha	fha	PROPN
inlawrev-3746	450	10	had	have	VERB
inlawrev-3746	450	11	an	an	DET
inlawrev-3746	450	12	advantage	advantage	NOUN
inlawrev-3746	450	13	over	over	ADP
inlawrev-3746	450	14	these	these	DET
inlawrev-3746	450	15	private	private	ADJ
inlawrev-3746	450	16	insurers	insurer	NOUN
inlawrev-3746	450	17	because	because	SCONJ
inlawrev-3746	450	18	it	it	PRON
inlawrev-3746	450	19	was	be	AUX
inlawrev-3746	450	20	able	able	ADJ
inlawrev-3746	450	21	to	to	PART
inlawrev-3746	450	22	identify	identify	VERB
inlawrev-3746	450	23	low	low	ADJ
inlawrev-3746	450	24	-	-	PUNCT
inlawrev-3746	450	25	risk	risk	NOUN
inlawrev-3746	450	26	borrowers	borrower	NOUN
inlawrev-3746	450	27	more	more	ADV
inlawrev-3746	450	28	effectively	effectively	ADV
inlawrev-3746	450	29	.	.	PUNCT
inlawrev-3746	451	1	however	however	ADV
inlawrev-3746	451	2	,	,	PUNCT
inlawrev-3746	451	3	as	as	SCONJ
inlawrev-3746	451	4	the	the	DET
inlawrev-3746	451	5	competencies	competency	NOUN
inlawrev-3746	451	6	ofthe	ofthe	VERB
inlawrev-3746	451	7	private	private	ADJ
inlawrev-3746	451	8	market	market	NOUN
inlawrev-3746	451	9	have	have	AUX
inlawrev-3746	451	10	increased	increase	VERB
inlawrev-3746	451	11	,	,	PUNCT
inlawrev-3746	451	12	private	private	ADJ
inlawrev-3746	451	13	mortgage	mortgage	NOUN
inlawrev-3746	451	14	insurance	insurance	NOUN
inlawrev-3746	451	15	companies	company	NOUN
inlawrev-3746	451	16	have	have	AUX
inlawrev-3746	451	17	been	be	AUX
inlawrev-3746	451	18	able	able	ADJ
inlawrev-3746	451	19	to	to	PART
inlawrev-3746	451	20	identify	identify	VERB
inlawrev-3746	451	21	and	and	CCONJ
inlawrev-3746	451	22	select	select	VERB
inlawrev-3746	451	23	the	the	DET
inlawrev-3746	451	24	lower	low	ADJ
inlawrev-3746	451	25	risk	risk	NOUN
inlawrev-3746	451	26	would	would	AUX
inlawrev-3746	451	27	-	-	PUNCT
inlawrev-3746	451	28	be	be	AUX
inlawrev-3746	451	29	mortgagors	mortgagor	NOUN
inlawrev-3746	451	30	.	.	PUNCT
inlawrev-3746	452	1	the	the	DET
inlawrev-3746	452	2	wouldbe	wouldbe	NOUN
inlawrev-3746	452	3	mortgagors	mortgagor	NOUN
inlawrev-3746	452	4	that	that	PRON
inlawrev-3746	452	5	remain	remain	VERB
inlawrev-3746	452	6	for	for	ADP
inlawrev-3746	452	7	the	the	DET
inlawrev-3746	452	8	fha	fha	PROPN
inlawrev-3746	452	9	are	be	AUX
inlawrev-3746	452	10	higher	high	ADJ
inlawrev-3746	452	11	-	-	PUNCT
inlawrev-3746	452	12	risk	risk	NOUN
inlawrev-3746	452	13	insureds	insured	NOUN
inlawrev-3746	452	14	,	,	PUNCT
inlawrev-3746	452	15	leading	lead	VERB
inlawrev-3746	452	16	to	to	ADP
inlawrev-3746	452	17	higher	high	ADJ
inlawrev-3746	452	18	foreclosure	foreclosure	NOUN
inlawrev-3746	452	19	rates	rate	NOUN
inlawrev-3746	452	20	for	for	ADP
inlawrev-3746	452	21	the	the	DET
inlawrev-3746	452	22	program	program	NOUN
inlawrev-3746	452	23	.	.	PUNCT
inlawrev-3746	453	1	92	92	NUM
inlawrev-3746	453	2	in	in	ADP
inlawrev-3746	453	3	the	the	DET
inlawrev-3746	453	4	end	end	NOUN
inlawrev-3746	453	5	,	,	PUNCT
inlawrev-3746	453	6	the	the	DET
inlawrev-3746	453	7	fha	fha	PROPN
inlawrev-3746	453	8	's	's	PART
inlawrev-3746	453	9	internal	internal	ADJ
inlawrev-3746	453	10	changes	change	NOUN
inlawrev-3746	453	11	conflicted	conflict	VERB
inlawrev-3746	453	12	with	with	ADP
inlawrev-3746	453	13	the	the	DET
inlawrev-3746	453	14	changing	change	VERB
inlawrev-3746	453	15	external	external	ADJ
inlawrev-3746	453	16	mortgage	mortgage	NOUN
inlawrev-3746	453	17	market	market	NOUN
inlawrev-3746	453	18	,	,	PUNCT
inlawrev-3746	453	19	which	which	PRON
inlawrev-3746	453	20	forced	force	VERB
inlawrev-3746	453	21	the	the	DET
inlawrev-3746	453	22	fha	fha	PROPN
inlawrev-3746	453	23	to	to	PART
inlawrev-3746	453	24	reevaluate	reevaluate	VERB
inlawrev-3746	453	25	its	its	PRON
inlawrev-3746	453	26	goals	goal	NOUN
inlawrev-3746	453	27	and	and	CCONJ
inlawrev-3746	453	28	policies	policy	NOUN
inlawrev-3746	453	29	.	.	PUNCT
inlawrev-3746	454	1	while	while	SCONJ
inlawrev-3746	454	2	the	the	DET
inlawrev-3746	454	3	dream	dream	NOUN
inlawrev-3746	454	4	ofhomeownership	ofhomeownership	NOUN
inlawrev-3746	454	5	for	for	ADP
inlawrev-3746	454	6	all	all	PRON
inlawrev-3746	454	7	had	have	AUX
inlawrev-3746	454	8	been	be	AUX
inlawrev-3746	454	9	,	,	PUNCT
inlawrev-3746	454	10	and	and	CCONJ
inlawrev-3746	454	11	continues	continue	VERB
inlawrev-3746	454	12	to	to	PART
inlawrev-3746	454	13	be	be	AUX
inlawrev-3746	454	14	,	,	PUNCT
inlawrev-3746	454	15	a	a	DET
inlawrev-3746	454	16	noble	noble	ADJ
inlawrev-3746	454	17	ideal	ideal	NOUN
inlawrev-3746	454	18	ofthe	ofthe	PROPN
inlawrev-3746	454	19	fha	fha	PROPN
inlawrev-3746	454	20	,	,	PUNCT
inlawrev-3746	454	21	its	its	PRON
inlawrev-3746	454	22	achievability	achievability	NOUN
inlawrev-3746	454	23	was	be	AUX
inlawrev-3746	454	24	called	call	VERB
inlawrev-3746	454	25	into	into	ADP
inlawrev-3746	454	26	question	question	NOUN
inlawrev-3746	454	27	in	in	ADP
inlawrev-3746	454	28	the	the	DET
inlawrev-3746	454	29	1990s	1990	NOUN
inlawrev-3746	454	30	and	and	CCONJ
inlawrev-3746	454	31	the	the	DET
inlawrev-3746	454	32	agency	agency	NOUN
inlawrev-3746	454	33	took	take	VERB
inlawrev-3746	454	34	action	action	NOUN
inlawrev-3746	454	35	to	to	PART
inlawrev-3746	454	36	reduce	reduce	VERB
inlawrev-3746	454	37	the	the	DET
inlawrev-3746	454	38	growing	grow	VERB
inlawrev-3746	454	39	number	number	NOUN
inlawrev-3746	454	40	of	of	ADP
inlawrev-3746	454	41	foreclosures	foreclosure	NOUN
inlawrev-3746	454	42	it	it	PRON
inlawrev-3746	454	43	faced	face	VERB
inlawrev-3746	454	44	.	.	PUNCT
inlawrev-3746	455	1	c.	c.	NOUN
inlawrev-3746	455	2	steps	step	NOUN
inlawrev-3746	455	3	taken	take	VERB
inlawrev-3746	455	4	by	by	ADP
inlawrev-3746	455	5	fha	fha	PROPN
inlawrev-3746	455	6	to	to	PART
inlawrev-3746	455	7	reduce	reduce	VERB
inlawrev-3746	455	8	foreclosure	foreclosure	NOUN
inlawrev-3746	455	9	in	in	ADP
inlawrev-3746	455	10	november	november	PROPN
inlawrev-3746	455	11	1996	1996	NUM
inlawrev-3746	455	12	,	,	PUNCT
inlawrev-3746	455	13	the	the	DET
inlawrev-3746	455	14	fha	fha	PROPN
inlawrev-3746	455	15	finally	finally	ADV
inlawrev-3746	455	16	reacted	react	VERB
inlawrev-3746	455	17	to	to	ADP
inlawrev-3746	455	18	its	its	PRON
inlawrev-3746	455	19	foreclosure	foreclosure	NOUN
inlawrev-3746	455	20	problems	problem	NOUN
inlawrev-3746	455	21	.	.	PUNCT
inlawrev-3746	456	1	recognizing	recognize	VERB
inlawrev-3746	456	2	that	that	DET
inlawrev-3746	456	3	foreclosure	foreclosure	NOUN
inlawrev-3746	456	4	is	be	AUX
inlawrev-3746	456	5	often	often	ADV
inlawrev-3746	456	6	unavoidable	unavoidable	ADJ
inlawrev-3746	456	7	,	,	PUNCT
inlawrev-3746	456	8	the	the	DET
inlawrev-3746	456	9	fha	fha	PROPN
inlawrev-3746	456	10	instead	instead	ADV
inlawrev-3746	456	11	implemented	implement	VERB
inlawrev-3746	456	12	a	a	DET
inlawrev-3746	456	13	program	program	NOUN
inlawrev-3746	456	14	aimed	aim	VERB
inlawrev-3746	456	15	at	at	ADP
inlawrev-3746	456	16	loss	loss	NOUN
inlawrev-3746	456	17	mitigation	mitigation	NOUN
inlawrev-3746	456	18	.	.	PUNCT
inlawrev-3746	457	1	this	this	DET
inlawrev-3746	457	2	program	program	NOUN
inlawrev-3746	457	3	provided	provide	VERB
inlawrev-3746	457	4	a	a	DET
inlawrev-3746	457	5	variety	variety	NOUN
inlawrev-3746	457	6	of	of	ADP
inlawrev-3746	457	7	alternatives	alternative	NOUN
inlawrev-3746	457	8	,	,	PUNCT
inlawrev-3746	457	9	each	each	PRON
inlawrev-3746	457	10	seeking	seek	VERB
inlawrev-3746	457	11	to	to	PART
inlawrev-3746	457	12	help	help	VERB
inlawrev-3746	457	13	borrowers	borrower	NOUN
inlawrev-3746	457	14	avoid	avoid	VERB
inlawrev-3746	457	15	foreclosure	foreclosure	NOUN
inlawrev-3746	457	16	or	or	CCONJ
inlawrev-3746	457	17	dispose	dispose	VERB
inlawrev-3746	457	18	oftheir	oftheir	ADJ
inlawrev-3746	457	19	property	property	NOUN
inlawrev-3746	457	20	in	in	ADP
inlawrev-3746	457	21	cost	cost	NOUN
inlawrev-3746	457	22	-	-	PUNCT
inlawrev-3746	457	23	effective	effective	ADJ
inlawrev-3746	457	24	ways	way	NOUN
inlawrev-3746	457	25	for	for	ADP
inlawrev-3746	457	26	the	the	DET
inlawrev-3746	457	27	fha	fha	PROPN
inlawrev-3746	457	28	and	and	CCONJ
inlawrev-3746	457	29	the	the	DET
inlawrev-3746	457	30	borrower.93	borrower.93	NOUN
inlawrev-3746	457	31	the	the	DET
inlawrev-3746	457	32	fha	fha	PROPN
inlawrev-3746	457	33	supports	support	VERB
inlawrev-3746	457	34	three	three	NUM
inlawrev-3746	457	35	types	type	NOUN
inlawrev-3746	457	36	of	of	ADP
inlawrev-3746	457	37	loss	loss	NOUN
inlawrev-3746	457	38	mitigation	mitigation	NOUN
inlawrev-3746	457	39	that	that	PRON
inlawrev-3746	457	40	enable	enable	VERB
inlawrev-3746	457	41	borrowers	borrower	NOUN
inlawrev-3746	457	42	to	to	PART
inlawrev-3746	457	43	remain	remain	VERB
inlawrev-3746	457	44	in	in	ADP
inlawrev-3746	457	45	their	their	PRON
inlawrev-3746	457	46	homes	home	NOUN
inlawrev-3746	457	47	:	:	PUNCT
inlawrev-3746	457	48	special	special	ADJ
inlawrev-3746	457	49	forbearance	forbearance	NOUN
inlawrev-3746	457	50	,	,	PUNCT
inlawrev-3746	457	51	loan	loan	NOUN
inlawrev-3746	457	52	modification	modification	NOUN
inlawrev-3746	457	53	,	,	PUNCT
inlawrev-3746	457	54	and	and	CCONJ
inlawrev-3746	457	55	partial	partial	ADJ
inlawrev-3746	457	56	claims	claim	NOUN
inlawrev-3746	457	57	.	.	PUNCT
inlawrev-3746	458	1	94	94	NUM
inlawrev-3746	459	1	if	if	SCONJ
inlawrev-3746	459	2	none	none	NOUN
inlawrev-3746	459	3	of	of	ADP
inlawrev-3746	459	4	these	these	DET
inlawrev-3746	459	5	options	option	NOUN
inlawrev-3746	459	6	is	be	AUX
inlawrev-3746	459	7	available	available	ADJ
inlawrev-3746	459	8	or	or	CCONJ
inlawrev-3746	459	9	feasible	feasible	ADJ
inlawrev-3746	459	10	,	,	PUNCT
inlawrev-3746	459	11	the	the	DET
inlawrev-3746	459	12	fha	fha	PROPN
inlawrev-3746	459	13	encourages	encourage	VERB
inlawrev-3746	459	14	the	the	DET
inlawrev-3746	459	15	borrower	borrower	NOUN
inlawrev-3746	459	16	to	to	PART
inlawrev-3746	459	17	either	either	CCONJ
inlawrev-3746	459	18	perform	perform	VERB
inlawrev-3746	459	19	a	a	DET
inlawrev-3746	459	20	pre	pre	ADJ
inlawrev-3746	459	21	-	-	ADJ
inlawrev-3746	459	22	foreclosure	foreclosure	ADJ
inlawrev-3746	459	23	sale	sale	NOUN
inlawrev-3746	459	24	or	or	CCONJ
inlawrev-3746	459	25	deed	deed	NOUN
inlawrev-3746	459	26	-	-	PUNCT
inlawrev-3746	459	27	in	in	ADP
inlawrev-3746	459	28	-	-	PUNCT
inlawrev-3746	459	29	lieu	lieu	NOUN
inlawrev-3746	459	30	offoreclosure	offoreclosure	NOUN
inlawrev-3746	459	31	.	.	PUNCT
inlawrev-3746	460	1	95	95	NUM
inlawrev-3746	461	1	the	the	DET
inlawrev-3746	461	2	fha	fha	PROPN
inlawrev-3746	461	3	expects	expect	VERB
inlawrev-3746	461	4	92	92	NUM
inlawrev-3746	461	5	.	.	PUNCT
inlawrev-3746	462	1	i	i	PRON
inlawrev-3746	462	2	d.	d.	PROPN
inlawrev-3746	462	3	in	in	ADP
inlawrev-3746	462	4	addition	addition	NOUN
inlawrev-3746	462	5	,	,	PUNCT
inlawrev-3746	462	6	the	the	DET
inlawrev-3746	462	7	competition	competition	NOUN
inlawrev-3746	462	8	has	have	AUX
inlawrev-3746	462	9	raised	raise	VERB
inlawrev-3746	462	10	concerns	concern	NOUN
inlawrev-3746	462	11	over	over	ADP
inlawrev-3746	462	12	the	the	DET
inlawrev-3746	462	13	future	future	NOUN
inlawrev-3746	462	14	funding	fund	VERB
inlawrev-3746	462	15	ofthe	ofthe	NOUN
inlawrev-3746	462	16	mmif	mmif	NOUN
inlawrev-3746	462	17	.	.	PUNCT
inlawrev-3746	463	1	as	as	ADP
inlawrev-3746	463	2	the	the	DET
inlawrev-3746	463	3	"	"	PUNCT
inlawrev-3746	463	4	fha	fha	PROPN
inlawrev-3746	463	5	's	's	PART
inlawrev-3746	463	6	claims	claim	NOUN
inlawrev-3746	463	7	rate	rate	NOUN
inlawrev-3746	463	8	.	.	PUNCT
inlawrev-3746	463	9	.	.	PUNCT
inlawrev-3746	464	1	.	.	PUNCT
inlawrev-3746	465	1	continues	continue	VERB
inlawrev-3746	465	2	to	to	PART
inlawrev-3746	465	3	rise	rise	VERB
inlawrev-3746	465	4	each	each	DET
inlawrev-3746	465	5	year	year	NOUN
inlawrev-3746	465	6	and	and	CCONJ
inlawrev-3746	465	7	with	with	ADP
inlawrev-3746	465	8	fewer	few	ADJ
inlawrev-3746	465	9	fha	fha	PROPN
inlawrev-3746	465	10	mortgage	mortgage	NOUN
inlawrev-3746	465	11	applicants	applicant	NOUN
inlawrev-3746	465	12	there	there	PRON
inlawrev-3746	465	13	is	be	VERB
inlawrev-3746	465	14	less	less	ADJ
inlawrev-3746	465	15	premium	premium	ADJ
inlawrev-3746	465	16	income	income	NOUN
inlawrev-3746	465	17	to	to	PART
inlawrev-3746	465	18	cover	cover	VERB
inlawrev-3746	465	19	the	the	DET
inlawrev-3746	465	20	claims	claim	NOUN
inlawrev-3746	465	21	.	.	PUNCT
inlawrev-3746	465	22	"	"	PUNCT
inlawrev-3746	466	1	mortgage	mortgage	NOUN
inlawrev-3746	466	2	fraud	fraud	NOUN
inlawrev-3746	466	3	and	and	CCONJ
inlawrev-3746	466	4	its	its	PRON
inlawrev-3746	466	5	impact	impact	NOUN
inlawrev-3746	466	6	on	on	ADP
inlawrev-3746	466	7	mortgage	mortgage	NOUN
inlawrev-3746	466	8	lenders	lender	NOUN
inlawrev-3746	466	9	:	:	PUNCT
inlawrev-3746	466	10	before	before	ADP
inlawrev-3746	466	11	the	the	DET
inlawrev-3746	466	12	subcomm	subcomm	NOUN
inlawrev-3746	466	13	.	.	PUNCT
inlawrev-3746	467	1	on	on	ADP
inlawrev-3746	467	2	housing	housing	NOUN
inlawrev-3746	467	3	and	and	CCONJ
inlawrev-3746	467	4	community	community	NOUN
inlawrev-3746	467	5	opportunity	opportunity	NOUN
inlawrev-3746	467	6	of	of	ADP
inlawrev-3746	467	7	the	the	DET
inlawrev-3746	467	8	h.	h.	PROPN
inlawrev-3746	467	9	comm	comm	NOUN
inlawrev-3746	467	10	.	.	PUNCT
inlawrev-3746	468	1	on	on	ADP
inlawrev-3746	468	2	financial	financial	ADJ
inlawrev-3746	468	3	services	service	NOUN
inlawrev-3746	468	4	,	,	PUNCT
inlawrev-3746	468	5	108th	108th	ADJ
inlawrev-3746	468	6	cong	cong	NOUN
inlawrev-3746	468	7	.	.	PROPN
inlawrev-3746	469	1	1	1	NUM
inlawrev-3746	469	2	(	(	PUNCT
inlawrev-3746	469	3	2004	2004	NUM
inlawrev-3746	469	4	)	)	PUNCT
inlawrev-3746	469	5	(	(	PUNCT
inlawrev-3746	469	6	prepared	prepare	VERB
inlawrev-3746	469	7	testimony	testimony	NOUN
inlawrev-3746	469	8	ofhon	ofhon	ADJ
inlawrev-3746	469	9	.	.	PUNCT
inlawrev-3746	470	1	kenneth	kenneth	PROPN
inlawrev-3746	470	2	m.	m.	PROPN
inlawrev-3746	470	3	donohue	donohue	PROPN
inlawrev-3746	470	4	,	,	PUNCT
inlawrev-3746	470	5	sr	sr	PROPN
inlawrev-3746	470	6	.	.	PUNCT
inlawrev-3746	470	7	,	,	PUNCT
inlawrev-3746	470	8	inspector	inspector	NOUN
inlawrev-3746	470	9	general	general	NOUN
inlawrev-3746	470	10	,	,	PUNCT
inlawrev-3746	470	11	department	department	NOUN
inlawrev-3746	470	12	ofhousing	ofhousing	NOUN
inlawrev-3746	470	13	and	and	CCONJ
inlawrev-3746	470	14	urban	urban	ADJ
inlawrev-3746	470	15	development	development	NOUN
inlawrev-3746	470	16	)	)	PUNCT
inlawrev-3746	470	17	,	,	PUNCT
inlawrev-3746	470	18	http://flnancialservices.house	http://flnancialservices.house	PROPN
inlawrev-3746	470	19	.	.	PUNCT
inlawrev-3746	471	1	gov	gov	NOUN
inlawrev-3746	471	2	/	/	SYM
inlawrev-3746	471	3	media	medium	NOUN
inlawrev-3746	471	4	/	/	SYM
inlawrev-3746	471	5	pdf/1	pdf/1	PROPN
inlawrev-3746	471	6	00704kd.pdf	00704kd.pdf	PROPN
inlawrev-3746	471	7	.	.	PUNCT
inlawrev-3746	472	1	93	93	NUM
inlawrev-3746	472	2	.	.	PUNCT
inlawrev-3746	473	1	changes	change	NOUN
inlawrev-3746	473	2	in	in	ADP
inlawrev-3746	473	3	the	the	DET
inlawrev-3746	473	4	performance	performance	NOUN
inlawrev-3746	473	5	of	of	ADP
inlawrev-3746	473	6	fha	fha	NOUN
inlawrev-3746	473	7	-	-	PUNCT
inlawrev-3746	473	8	insured	insure	VERB
inlawrev-3746	473	9	loans	loan	NOUN
inlawrev-3746	473	10	,	,	PUNCT
inlawrev-3746	473	11	supra	supra	NOUN
inlawrev-3746	473	12	note	note	NOUN
inlawrev-3746	473	13	1	1	NUM
inlawrev-3746	473	14	7	7	NUM
inlawrev-3746	473	15	,	,	PUNCT
inlawrev-3746	473	16	at	at	ADP
inlawrev-3746	473	17	22	22	NUM
inlawrev-3746	473	18	n.	n.	NOUN
inlawrev-3746	473	19	1	1	NUM
inlawrev-3746	473	20	5	5	NUM
inlawrev-3746	473	21	.	.	PUNCT
inlawrev-3746	474	1	94	94	NUM
inlawrev-3746	474	2	.	.	PUNCT
inlawrev-3746	475	1	special	special	ADJ
inlawrev-3746	475	2	forbearance	forbearance	NOUN
inlawrev-3746	475	3	allows	allow	VERB
inlawrev-3746	475	4	borrowers	borrower	NOUN
inlawrev-3746	475	5	a	a	DET
inlawrev-3746	475	6	period	period	NOUN
inlawrev-3746	475	7	ofsuspended	ofsuspende	VERB
inlawrev-3746	475	8	or	or	CCONJ
inlawrev-3746	475	9	reduced	reduce	VERB
inlawrev-3746	475	10	payments	payment	NOUN
inlawrev-3746	475	11	and	and	CCONJ
inlawrev-3746	475	12	an	an	DET
inlawrev-3746	475	13	additional	additional	ADJ
inlawrev-3746	475	14	grace	grace	NOUN
inlawrev-3746	475	15	period	period	NOUN
inlawrev-3746	475	16	to	to	PART
inlawrev-3746	475	17	repay	repay	VERB
inlawrev-3746	475	18	the	the	DET
inlawrev-3746	475	19	arrearage	arrearage	NOUN
inlawrev-3746	475	20	ofthe	ofthe	ADJ
inlawrev-3746	475	21	delinquent	delinquent	ADJ
inlawrev-3746	475	22	mortgage	mortgage	NOUN
inlawrev-3746	475	23	.	.	PUNCT
inlawrev-3746	476	1	see	see	VERB
inlawrev-3746	476	2	24	24	NUM
inlawrev-3746	476	3	c.f.r	c.f.r	NOUN
inlawrev-3746	476	4	.	.	PUNCT
inlawrev-3746	477	1	§	§	PROPN
inlawrev-3746	477	2	203	203	NUM
inlawrev-3746	477	3	.6	.6	NUM
inlawrev-3746	477	4	14	14	NUM
inlawrev-3746	477	5	.	.	PUNCT
inlawrev-3746	478	1	this	this	DET
inlawrev-3746	478	2	option	option	NOUN
inlawrev-3746	478	3	is	be	AUX
inlawrev-3746	478	4	typically	typically	ADV
inlawrev-3746	478	5	only	only	ADV
inlawrev-3746	478	6	offered	offer	VERB
inlawrev-3746	478	7	when	when	SCONJ
inlawrev-3746	478	8	there	there	PRON
inlawrev-3746	478	9	is	be	VERB
inlawrev-3746	478	10	a	a	DET
inlawrev-3746	478	11	reasonable	reasonable	ADJ
inlawrev-3746	478	12	chance	chance	NOUN
inlawrev-3746	478	13	the	the	DET
inlawrev-3746	478	14	borrower	borrower	NOUN
inlawrev-3746	478	15	can	can	AUX
inlawrev-3746	478	16	resume	resume	VERB
inlawrev-3746	478	17	normal	normal	ADJ
inlawrev-3746	478	18	payments	payment	NOUN
inlawrev-3746	478	19	in	in	ADP
inlawrev-3746	478	20	the	the	DET
inlawrev-3746	478	21	future	future	NOUN
inlawrev-3746	478	22	.	.	PUNCT
inlawrev-3746	479	1	loan	loan	NOUN
inlawrev-3746	479	2	modification	modification	NOUN
inlawrev-3746	479	3	changes	change	VERB
inlawrev-3746	479	4	the	the	DET
inlawrev-3746	479	5	mortgage	mortgage	NOUN
inlawrev-3746	479	6	to	to	PART
inlawrev-3746	479	7	lower	lower	VERB
inlawrev-3746	479	8	interest	interest	NOUN
inlawrev-3746	479	9	rates	rate	NOUN
inlawrev-3746	479	10	or	or	CCONJ
inlawrev-3746	479	11	extended	extend	VERB
inlawrev-3746	479	12	mortgage	mortgage	NOUN
inlawrev-3746	479	13	terms	term	NOUN
inlawrev-3746	479	14	in	in	ADP
inlawrev-3746	479	15	order	order	NOUN
inlawrev-3746	479	16	to	to	PART
inlawrev-3746	479	17	lower	lower	VERB
inlawrev-3746	479	18	payment	payment	NOUN
inlawrev-3746	479	19	amounts	amount	NOUN
inlawrev-3746	479	20	.	.	PUNCT
inlawrev-3746	480	1	see	see	VERB
inlawrev-3746	480	2	i	i	PRON
inlawrev-3746	480	3	d.	d.	PROPN
inlawrev-3746	480	4	§	§	PROPN
inlawrev-3746	480	5	203.616	203.616	NUM
inlawrev-3746	480	6	.	.	PUNCT
inlawrev-3746	481	1	partial	partial	ADJ
inlawrev-3746	481	2	claims	claim	NOUN
inlawrev-3746	481	3	involve	involve	VERB
inlawrev-3746	481	4	one	one	NUM
inlawrev-3746	481	5	-	-	PUNCT
inlawrev-3746	481	6	time	time	NOUN
inlawrev-3746	481	7	payments	payment	NOUN
inlawrev-3746	481	8	from	from	ADP
inlawrev-3746	481	9	the	the	DET
inlawrev-3746	481	10	fha	fha	PROPN
inlawrev-3746	481	11	to	to	ADP
inlawrev-3746	481	12	the	the	DET
inlawrev-3746	481	13	borrower	borrower	NOUN
inlawrev-3746	481	14	to	to	PART
inlawrev-3746	481	15	make	make	VERB
inlawrev-3746	481	16	the	the	DET
inlawrev-3746	481	17	mortgage	mortgage	NOUN
inlawrev-3746	481	18	balance	balance	NOUN
inlawrev-3746	481	19	current	current	ADJ
inlawrev-3746	481	20	.	.	PUNCT
inlawrev-3746	482	1	see	see	VERB
inlawrev-3746	482	2	i	i	PRON
inlawrev-3746	482	3	d.	d.	PROPN
inlawrev-3746	482	4	§	§	PROPN
inlawrev-3746	482	5	203.37	203.37	NUM
inlawrev-3746	482	6	1	1	NUM
inlawrev-3746	482	7	.	.	PUNCT
inlawrev-3746	483	1	partial	partial	ADJ
inlawrev-3746	483	2	claims	claim	NOUN
inlawrev-3746	483	3	are	be	AUX
inlawrev-3746	483	4	offered	offer	VERB
inlawrev-3746	483	5	when	when	SCONJ
inlawrev-3746	483	6	borrowers	borrower	NOUN
inlawrev-3746	483	7	have	have	VERB
inlawrev-3746	483	8	long	long	ADJ
inlawrev-3746	483	9	-	-	PUNCT
inlawrev-3746	483	10	term	term	NOUN
inlawrev-3746	483	11	financial	financial	ADJ
inlawrev-3746	483	12	stability	stability	NOUN
inlawrev-3746	483	13	to	to	PART
inlawrev-3746	483	14	cover	cover	VERB
inlawrev-3746	483	15	their	their	PRON
inlawrev-3746	483	16	mortgage	mortgage	NOUN
inlawrev-3746	483	17	but	but	CCONJ
inlawrev-3746	483	18	are	be	AUX
inlawrev-3746	483	19	not	not	PART
inlawrev-3746	483	20	able	able	ADJ
inlawrev-3746	483	21	to	to	PART
inlawrev-3746	483	22	cure	cure	VERB
inlawrev-3746	483	23	the	the	DET
inlawrev-3746	483	24	outstanding	outstanding	ADJ
inlawrev-3746	483	25	delinquency	delinquency	NOUN
inlawrev-3746	483	26	.	.	PUNCT
inlawrev-3746	484	1	u.s	u.s	PROPN
inlawrev-3746	484	2	.	.	PROPN
inlawrev-3746	484	3	dep't	dep't	NOUN
inlawrev-3746	484	4	of	of	ADP
inlawrev-3746	484	5	hous	hous	ADJ
inlawrev-3746	484	6	.	.	PUNCT
inlawrev-3746	485	1	and	and	CCONJ
inlawrev-3746	485	2	urban	urban	PROPN
inlawrev-3746	485	3	dev	dev	PROPN
inlawrev-3746	485	4	.	.	PUNCT
inlawrev-3746	486	1	mortgagee	mortgagee	PROPN
inlawrev-3746	486	2	letter	letter	NOUN
inlawrev-3746	486	3	96	96	NUM
inlawrev-3746	486	4	-	-	SYM
inlawrev-3746	486	5	25	25	NUM
inlawrev-3746	486	6	,	,	PUNCT
inlawrev-3746	486	7	existing	exist	VERB
inlawrev-3746	486	8	alternatives	alternative	NOUN
inlawrev-3746	486	9	to	to	ADP
inlawrev-3746	486	10	foreclosure	foreclosure	NOUN
inlawrev-3746	486	11	-	-	PUNCT
inlawrev-3746	486	12	loss	loss	NOUN
inlawrev-3746	486	13	mitigation	mitigation	NOUN
inlawrev-3746	486	14	(	(	PUNCT
inlawrev-3746	486	15	1	1	NUM
inlawrev-3746	486	16	996	996	NUM
inlawrev-3746	486	17	)	)	PUNCT
inlawrev-3746	486	18	,	,	PUNCT
inlawrev-3746	486	19	available	available	ADJ
inlawrev-3746	486	20	at	at	ADP
inlawrev-3746	486	21	http://www.hudclips.org/sub_nonhud/html/	http://www.hudclips.org/sub_nonhud/html/	PROPN
inlawrev-3746	486	22	shortcut.htm	shortcut.htm	X
inlawrev-3746	486	23	(	(	PUNCT
inlawrev-3746	486	24	follow	follow	VERB
inlawrev-3746	486	25	"	"	PUNCT
inlawrev-3746	486	26	1996	1996	NUM
inlawrev-3746	486	27	"	"	PUNCT
inlawrev-3746	486	28	hyperlink	hyperlink	NOUN
inlawrev-3746	486	29	under	under	ADP
inlawrev-3746	486	30	letters	letter	NOUN
inlawrev-3746	486	31	:	:	PUNCT
inlawrev-3746	486	32	mortgage	mortgage	NOUN
inlawrev-3746	486	33	then	then	ADV
inlawrev-3746	486	34	locate	locate	VERB
inlawrev-3746	486	35	letter	letter	NOUN
inlawrev-3746	486	36	96	96	NUM
inlawrev-3746	486	37	-	-	SYM
inlawrev-3746	486	38	25	25	NUM
inlawrev-3746	486	39	)	)	PUNCT
inlawrev-3746	487	1	[	[	X
inlawrev-3746	487	2	hereinafter	hereinafter	NOUN
inlawrev-3746	487	3	mortgage	mortgage	NOUN
inlawrev-3746	487	4	letter	letter	NOUN
inlawrev-3746	487	5	96	96	NUM
inlawrev-3746	487	6	-	-	SYM
inlawrev-3746	487	7	25	25	NUM
inlawrev-3746	487	8	]	]	PUNCT
inlawrev-3746	487	9	.	.	PUNCT
inlawrev-3746	488	1	95	95	NUM
inlawrev-3746	488	2	.	.	PUNCT
inlawrev-3746	489	1	mortgage	mortgage	NOUN
inlawrev-3746	489	2	letter	letter	NOUN
inlawrev-3746	489	3	96	96	NUM
inlawrev-3746	489	4	-	-	SYM
inlawrev-3746	489	5	25	25	NUM
inlawrev-3746	489	6	,	,	PUNCT
inlawrev-3746	489	7	supra	supra	NOUN
inlawrev-3746	489	8	note	note	NOUN
inlawrev-3746	489	9	94	94	NUM
inlawrev-3746	489	10	.	.	PUNCT
inlawrev-3746	490	1	these	these	DET
inlawrev-3746	490	2	mitigation	mitigation	NOUN
inlawrev-3746	490	3	techniques	technique	NOUN
inlawrev-3746	490	4	do	do	AUX
inlawrev-3746	490	5	not	not	PART
inlawrev-3746	490	6	allow	allow	VERB
inlawrev-3746	490	7	the	the	DET
inlawrev-3746	490	8	borrower	borrower	NOUN
inlawrev-3746	490	9	to	to	PART
inlawrev-3746	490	10	keep	keep	VERB
inlawrev-3746	490	11	their	their	PRON
inlawrev-3746	490	12	property	property	NOUN
inlawrev-3746	490	13	,	,	PUNCT
inlawrev-3746	490	14	but	but	CCONJ
inlawrev-3746	490	15	are	be	AUX
inlawrev-3746	490	16	still	still	ADV
inlawrev-3746	490	17	seen	see	VERB
inlawrev-3746	490	18	as	as	ADP
inlawrev-3746	490	19	cost	cost	NOUN
inlawrev-3746	490	20	-	-	PUNCT
inlawrev-3746	490	21	effective	effective	ADJ
inlawrev-3746	490	22	alternatives	alternative	NOUN
inlawrev-3746	490	23	to	to	ADP
inlawrev-3746	490	24	foreclosure	foreclosure	NOUN
inlawrev-3746	490	25	.	.	PUNCT
inlawrev-3746	491	1	pre102	pre102	PROPN
inlawrev-3746	491	2	indiana	indiana	PROPN
inlawrev-3746	491	3	law	law	PROPN
inlawrev-3746	491	4	review	review	NOUN
inlawrev-3746	492	1	[	[	X
inlawrev-3746	492	2	vol	vol	NOUN
inlawrev-3746	492	3	.	.	PUNCT
inlawrev-3746	492	4	39:87	39:87	NUM
inlawrev-3746	492	5	lenders	lender	NOUN
inlawrev-3746	492	6	to	to	PART
inlawrev-3746	492	7	choose	choose	VERB
inlawrev-3746	492	8	the	the	DET
inlawrev-3746	492	9	appropriate	appropriate	ADJ
inlawrev-3746	492	10	mitigation	mitigation	NOUN
inlawrev-3746	492	11	tool	tool	NOUN
inlawrev-3746	492	12	on	on	ADP
inlawrev-3746	492	13	a	a	DET
inlawrev-3746	492	14	case	case	NOUN
inlawrev-3746	492	15	-	-	PUNCT
inlawrev-3746	492	16	by	by	ADP
inlawrev-3746	492	17	-	-	PUNCT
inlawrev-3746	492	18	case	case	NOUN
inlawrev-3746	492	19	basis	basis	NOUN
inlawrev-3746	492	20	,	,	PUNCT
inlawrev-3746	492	21	depending	depend	VERB
inlawrev-3746	492	22	on	on	ADP
inlawrev-3746	492	23	the	the	DET
inlawrev-3746	492	24	extenuating	extenuate	VERB
inlawrev-3746	492	25	circumstances	circumstance	NOUN
inlawrev-3746	492	26	and	and	CCONJ
inlawrev-3746	492	27	delinquency	delinquency	NOUN
inlawrev-3746	492	28	of	of	ADP
inlawrev-3746	492	29	payment	payment	NOUN
inlawrev-3746	492	30	(	(	PUNCT
inlawrev-3746	492	31	in	in	ADP
inlawrev-3746	492	32	terms	term	NOUN
inlawrev-3746	492	33	of	of	ADP
inlawrev-3746	492	34	both	both	DET
inlawrev-3746	492	35	time	time	NOUN
inlawrev-3746	492	36	and	and	CCONJ
inlawrev-3746	492	37	amount	amount	NOUN
inlawrev-3746	492	38	)	)	PUNCT
inlawrev-3746	492	39	,	,	PUNCT
inlawrev-3746	492	40	once	once	SCONJ
inlawrev-3746	492	41	a	a	DET
inlawrev-3746	492	42	mortgagor	mortgagor	NOUN
inlawrev-3746	492	43	has	have	AUX
inlawrev-3746	492	44	not	not	PART
inlawrev-3746	492	45	made	make	VERB
inlawrev-3746	492	46	three	three	NUM
inlawrev-3746	492	47	full	full	ADJ
inlawrev-3746	492	48	monthly	monthly	ADJ
inlawrev-3746	492	49	payments	payment	NOUN
inlawrev-3746	492	50	.	.	PUNCT
inlawrev-3746	493	1	96	96	NUM
inlawrev-3746	493	2	while	while	SCONJ
inlawrev-3746	493	3	the	the	DET
inlawrev-3746	493	4	fha	fha	PROPN
inlawrev-3746	493	5	's	's	PART
inlawrev-3746	493	6	loss	loss	NOUN
inlawrev-3746	493	7	mitigation	mitigation	NOUN
inlawrev-3746	493	8	program	program	NOUN
inlawrev-3746	493	9	is	be	AUX
inlawrev-3746	493	10	not	not	PART
inlawrev-3746	493	11	mandatory	mandatory	ADJ
inlawrev-3746	493	12	for	for	ADP
inlawrev-3746	493	13	lenders	lender	NOUN
inlawrev-3746	493	14	,	,	PUNCT
inlawrev-3746	493	15	the	the	DET
inlawrev-3746	493	16	fha	fha	PROPN
inlawrev-3746	493	17	does	do	AUX
inlawrev-3746	493	18	provide	provide	VERB
inlawrev-3746	493	19	incentives	incentive	NOUN
inlawrev-3746	493	20	for	for	SCONJ
inlawrev-3746	493	21	lenders	lender	NOUN
inlawrev-3746	493	22	to	to	PART
inlawrev-3746	493	23	take	take	VERB
inlawrev-3746	493	24	part	part	NOUN
inlawrev-3746	493	25	in	in	ADP
inlawrev-3746	493	26	the	the	DET
inlawrev-3746	493	27	program	program	NOUN
inlawrev-3746	493	28	,	,	PUNCT
inlawrev-3746	493	29	in	in	ADP
inlawrev-3746	493	30	addition	addition	NOUN
inlawrev-3746	493	31	to	to	ADP
inlawrev-3746	493	32	possible	possible	ADJ
inlawrev-3746	493	33	financial	financial	ADJ
inlawrev-3746	493	34	penalties	penalty	NOUN
inlawrev-3746	493	35	for	for	ADP
inlawrev-3746	493	36	non	non	ADJ
inlawrev-3746	493	37	-	-	NOUN
inlawrev-3746	493	38	participation	participation	NOUN
inlawrev-3746	493	39	.	.	PUNCT
inlawrev-3746	494	1	97	97	NUM
inlawrev-3746	494	2	as	as	ADV
inlawrev-3746	494	3	of2000	of2000	ADJ
inlawrev-3746	494	4	,	,	PUNCT
inlawrev-3746	494	5	the	the	DET
inlawrev-3746	494	6	loss	loss	NOUN
inlawrev-3746	494	7	mitigation	mitigation	NOUN
inlawrev-3746	494	8	program	program	NOUN
inlawrev-3746	494	9	appeared	appear	VERB
inlawrev-3746	494	10	to	to	PART
inlawrev-3746	494	11	be	be	AUX
inlawrev-3746	494	12	a	a	DET
inlawrev-3746	494	13	success	success	NOUN
inlawrev-3746	494	14	,	,	PUNCT
inlawrev-3746	494	15	with	with	ADP
inlawrev-3746	494	16	more	more	ADJ
inlawrev-3746	494	17	lenders	lender	NOUN
inlawrev-3746	494	18	participating	participate	VERB
inlawrev-3746	494	19	in	in	ADP
inlawrev-3746	494	20	the	the	DET
inlawrev-3746	494	21	program	program	NOUN
inlawrev-3746	494	22	and	and	CCONJ
inlawrev-3746	494	23	the	the	DET
inlawrev-3746	494	24	number	number	NOUN
inlawrev-3746	494	25	of	of	ADP
inlawrev-3746	494	26	foreclosures	foreclosure	NOUN
inlawrev-3746	494	27	falling	fall	VERB
inlawrev-3746	494	28	.	.	PUNCT
inlawrev-3746	495	1	98	98	NUM
inlawrev-3746	496	1	the	the	DET
inlawrev-3746	496	2	fha	fha	PROPN
inlawrev-3746	496	3	is	be	AUX
inlawrev-3746	496	4	also	also	ADV
inlawrev-3746	496	5	reacting	react	VERB
inlawrev-3746	496	6	to	to	ADP
inlawrev-3746	496	7	the	the	DET
inlawrev-3746	496	8	increased	increase	VERB
inlawrev-3746	496	9	competition	competition	NOUN
inlawrev-3746	496	10	from	from	ADP
inlawrev-3746	496	11	the	the	DET
inlawrev-3746	496	12	private	private	ADJ
inlawrev-3746	496	13	mortgage	mortgage	NOUN
inlawrev-3746	496	14	insurance	insurance	NOUN
inlawrev-3746	496	15	sector	sector	NOUN
inlawrev-3746	496	16	.	.	PUNCT
inlawrev-3746	497	1	it	it	PRON
inlawrev-3746	497	2	has	have	AUX
inlawrev-3746	497	3	begun	begin	VERB
inlawrev-3746	497	4	implementation	implementation	NOUN
inlawrev-3746	497	5	of	of	ADP
inlawrev-3746	497	6	automated	automate	VERB
inlawrev-3746	497	7	underwriting	underwriting	NOUN
inlawrev-3746	497	8	systems	system	NOUN
inlawrev-3746	497	9	,	,	PUNCT
inlawrev-3746	497	10	designed	design	VERB
inlawrev-3746	497	11	to	to	PART
inlawrev-3746	497	12	provide	provide	VERB
inlawrev-3746	497	13	consistency	consistency	NOUN
inlawrev-3746	497	14	and	and	CCONJ
inlawrev-3746	497	15	effectiveness	effectiveness	NOUN
inlawrev-3746	497	16	in	in	ADP
inlawrev-3746	497	17	the	the	DET
inlawrev-3746	497	18	fha	fha	NOUN
inlawrev-3746	497	19	's	's	PART
inlawrev-3746	497	20	underwriting	underwriting	NOUN
inlawrev-3746	497	21	practices.99	practices.99	NOUN
inlawrev-3746	497	22	these	these	DET
inlawrev-3746	497	23	systems	system	NOUN
inlawrev-3746	497	24	,	,	PUNCT
inlawrev-3746	497	25	designed	design	VERB
inlawrev-3746	497	26	to	to	PART
inlawrev-3746	497	27	better	well	ADV
inlawrev-3746	497	28	distinguish	distinguish	VERB
inlawrev-3746	497	29	between	between	ADP
inlawrev-3746	497	30	higher	high	ADJ
inlawrev-3746	497	31	and	and	CCONJ
inlawrev-3746	497	32	lower	low	ADJ
inlawrev-3746	497	33	credit	credit	NOUN
inlawrev-3746	497	34	risks	risk	NOUN
inlawrev-3746	497	35	,	,	PUNCT
inlawrev-3746	497	36	will	will	AUX
inlawrev-3746	497	37	attempt	attempt	VERB
inlawrev-3746	497	38	to	to	PART
inlawrev-3746	497	39	lower	lower	VERB
inlawrev-3746	497	40	the	the	DET
inlawrev-3746	497	41	fha	fha	NOUN
inlawrev-3746	497	42	's	's	PART
inlawrev-3746	497	43	risk	risk	NOUN
inlawrev-3746	497	44	portfolio	portfolio	NOUN
inlawrev-3746	497	45	.	.	PUNCT
inlawrev-3746	498	1	100	100	NUM
inlawrev-3746	498	2	however	however	ADV
inlawrev-3746	498	3	,	,	PUNCT
inlawrev-3746	498	4	these	these	DET
inlawrev-3746	498	5	loss	loss	NOUN
inlawrev-3746	498	6	mitigation	mitigation	NOUN
inlawrev-3746	498	7	strategies	strategy	NOUN
inlawrev-3746	498	8	and	and	CCONJ
inlawrev-3746	498	9	automated	automate	VERB
inlawrev-3746	498	10	systems	system	NOUN
inlawrev-3746	498	11	are	be	AUX
inlawrev-3746	498	12	not	not	PART
inlawrev-3746	498	13	long	long	ADJ
inlawrev-3746	498	14	-	-	PUNCT
inlawrev-3746	498	15	term	term	NOUN
inlawrev-3746	498	16	solutions	solution	NOUN
inlawrev-3746	498	17	to	to	ADP
inlawrev-3746	498	18	the	the	DET
inlawrev-3746	498	19	increasing	increase	VERB
inlawrev-3746	498	20	foreclosure	foreclosure	NOUN
inlawrev-3746	498	21	problems	problem	NOUN
inlawrev-3746	498	22	of	of	ADP
inlawrev-3746	498	23	the	the	DET
inlawrev-3746	498	24	fha	fha	PROPN
inlawrev-3746	498	25	.	.	PROPN
inlawrev-3746	498	26	preforeclosure	preforeclosure	NOUN
inlawrev-3746	498	27	sales	sale	NOUN
inlawrev-3746	498	28	and	and	CCONJ
inlawrev-3746	498	29	deeds	deed	NOUN
inlawrev-3746	498	30	-	-	PUNCT
inlawrev-3746	498	31	in	in	ADP
inlawrev-3746	498	32	-	-	PUNCT
inlawrev-3746	498	33	lieu	lieu	NOUN
inlawrev-3746	498	34	offoreclosure	offoreclosure	NOUN
inlawrev-3746	498	35	prevent	prevent	VERB
inlawrev-3746	498	36	statistical	statistical	ADJ
inlawrev-3746	498	37	foreclosures	foreclosure	NOUN
inlawrev-3746	498	38	,	,	PUNCT
inlawrev-3746	498	39	but	but	CCONJ
inlawrev-3746	498	40	,	,	PUNCT
inlawrev-3746	498	41	undesirably	undesirably	ADV
inlawrev-3746	498	42	,	,	PUNCT
inlawrev-3746	498	43	families	family	NOUN
inlawrev-3746	498	44	are	be	AUX
inlawrev-3746	498	45	still	still	ADV
inlawrev-3746	498	46	stripped	strip	VERB
inlawrev-3746	498	47	of	of	ADP
inlawrev-3746	498	48	their	their	PRON
inlawrev-3746	498	49	homes	home	NOUN
inlawrev-3746	498	50	.	.	PUNCT
inlawrev-3746	499	1	the	the	DET
inlawrev-3746	499	2	automated	automate	VERB
inlawrev-3746	499	3	underwriting	underwriting	NOUN
inlawrev-3746	499	4	systems	system	NOUN
inlawrev-3746	499	5	run	run	VERB
inlawrev-3746	499	6	against	against	ADP
inlawrev-3746	499	7	the	the	DET
inlawrev-3746	499	8	goal	goal	NOUN
inlawrev-3746	499	9	of	of	ADP
inlawrev-3746	499	10	the	the	DET
inlawrev-3746	499	11	fha	fha	PROPN
inlawrev-3746	499	12	to	to	PART
inlawrev-3746	499	13	provide	provide	VERB
inlawrev-3746	499	14	housing	housing	NOUN
inlawrev-3746	499	15	to	to	ADP
inlawrev-3746	499	16	as	as	SCONJ
inlawrev-3746	499	17	foreclosure	foreclosure	NOUN
inlawrev-3746	499	18	sales	sale	NOUN
inlawrev-3746	499	19	attempt	attempt	NOUN
inlawrev-3746	499	20	to	to	PART
inlawrev-3746	499	21	cover	cover	VERB
inlawrev-3746	499	22	the	the	DET
inlawrev-3746	499	23	outstanding	outstanding	ADJ
inlawrev-3746	499	24	mortgage	mortgage	NOUN
inlawrev-3746	499	25	amount	amount	NOUN
inlawrev-3746	499	26	for	for	ADP
inlawrev-3746	499	27	the	the	DET
inlawrev-3746	499	28	lender	lender	NOUN
inlawrev-3746	499	29	much	much	ADV
inlawrev-3746	499	30	like	like	ADP
inlawrev-3746	499	31	the	the	DET
inlawrev-3746	499	32	nonjudicial	nonjudicial	ADJ
inlawrev-3746	499	33	foreclosure	foreclosure	NOUN
inlawrev-3746	499	34	process	process	NOUN
inlawrev-3746	499	35	.	.	PUNCT
inlawrev-3746	500	1	see	see	VERB
inlawrev-3746	500	2	24	24	NUM
inlawrev-3746	500	3	c.f.r	c.f.r	NOUN
inlawrev-3746	500	4	.	.	PUNCT
inlawrev-3746	501	1	§	§	PROPN
inlawrev-3746	501	2	203.370	203.370	NUM
inlawrev-3746	501	3	.	.	PUNCT
inlawrev-3746	502	1	just	just	ADV
inlawrev-3746	502	2	as	as	SCONJ
inlawrev-3746	502	3	redemption	redemption	NOUN
inlawrev-3746	502	4	rights	right	NOUN
inlawrev-3746	502	5	are	be	AUX
inlawrev-3746	502	6	designed	design	VERB
inlawrev-3746	502	7	to	to	PART
inlawrev-3746	502	8	prevent	prevent	VERB
inlawrev-3746	502	9	lenders	lender	NOUN
inlawrev-3746	502	10	from	from	ADP
inlawrev-3746	502	11	buying	buy	VERB
inlawrev-3746	502	12	foreclosed	foreclose	VERB
inlawrev-3746	502	13	properties	property	NOUN
inlawrev-3746	502	14	for	for	ADP
inlawrev-3746	502	15	inadequate	inadequate	ADJ
inlawrev-3746	502	16	amounts	amount	NOUN
inlawrev-3746	502	17	,	,	PUNCT
inlawrev-3746	502	18	the	the	DET
inlawrev-3746	502	19	fha	fha	PROPN
inlawrev-3746	502	20	imposes	impose	VERB
inlawrev-3746	502	21	a	a	DET
inlawrev-3746	502	22	floor	floor	NOUN
inlawrev-3746	502	23	on	on	ADP
inlawrev-3746	502	24	the	the	DET
inlawrev-3746	502	25	pre	pre	ADJ
inlawrev-3746	502	26	-	-	ADJ
inlawrev-3746	502	27	foreclosure	foreclosure	ADJ
inlawrev-3746	502	28	sale	sale	NOUN
inlawrev-3746	502	29	price	price	NOUN
inlawrev-3746	502	30	,	,	PUNCT
inlawrev-3746	502	31	eighty	eighty	NUM
inlawrev-3746	502	32	-	-	PUNCT
inlawrev-3746	502	33	seven	seven	NUM
inlawrev-3746	502	34	percent	percent	NOUN
inlawrev-3746	502	35	ofthe	ofthe	NOUN
inlawrev-3746	502	36	value	value	NOUN
inlawrev-3746	502	37	ofthe	ofthe	NOUN
inlawrev-3746	502	38	property	property	NOUN
inlawrev-3746	502	39	.	.	PUNCT
inlawrev-3746	503	1	ifthis	ifthis	PROPN
inlawrev-3746	503	2	bar	bar	NOUN
inlawrev-3746	503	3	is	be	AUX
inlawrev-3746	503	4	met	meet	VERB
inlawrev-3746	503	5	,	,	PUNCT
inlawrev-3746	503	6	the	the	DET
inlawrev-3746	503	7	fha	fha	PROPN
inlawrev-3746	503	8	will	will	AUX
inlawrev-3746	503	9	reimburse	reimburse	VERB
inlawrev-3746	503	10	the	the	DET
inlawrev-3746	503	11	lender	lender	NOUN
inlawrev-3746	503	12	for	for	ADP
inlawrev-3746	503	13	the	the	DET
inlawrev-3746	503	14	sale	sale	NOUN
inlawrev-3746	503	15	ofthe	ofthe	NOUN
inlawrev-3746	503	16	property	property	NOUN
inlawrev-3746	503	17	.	.	PUNCT
inlawrev-3746	504	1	on	on	ADP
inlawrev-3746	504	2	the	the	DET
inlawrev-3746	504	3	other	other	ADJ
inlawrev-3746	504	4	hand	hand	NOUN
inlawrev-3746	504	5	,	,	PUNCT
inlawrev-3746	504	6	a	a	DET
inlawrev-3746	504	7	deed	deed	NOUN
inlawrev-3746	504	8	-	-	PUNCT
inlawrev-3746	504	9	inlieu	inlieu	NOUN
inlawrev-3746	504	10	of	of	ADP
inlawrev-3746	504	11	foreclosure	foreclosure	NOUN
inlawrev-3746	504	12	does	do	AUX
inlawrev-3746	504	13	not	not	PART
inlawrev-3746	504	14	involve	involve	VERB
inlawrev-3746	504	15	the	the	DET
inlawrev-3746	504	16	sale	sale	NOUN
inlawrev-3746	504	17	of	of	ADP
inlawrev-3746	504	18	property	property	NOUN
inlawrev-3746	504	19	.	.	PUNCT
inlawrev-3746	505	1	see	see	VERB
inlawrev-3746	505	2	i	i	PRON
inlawrev-3746	505	3	d.	d.	PROPN
inlawrev-3746	505	4	§	§	PROPN
inlawrev-3746	505	5	203.357	203.357	NUM
inlawrev-3746	505	6	.	.	PUNCT
inlawrev-3746	506	1	instead	instead	ADV
inlawrev-3746	506	2	,	,	PUNCT
inlawrev-3746	506	3	it	it	PRON
inlawrev-3746	506	4	offers	offer	VERB
inlawrev-3746	506	5	incentives	incentive	NOUN
inlawrev-3746	506	6	to	to	ADP
inlawrev-3746	506	7	the	the	DET
inlawrev-3746	506	8	borrower	borrower	NOUN
inlawrev-3746	506	9	to	to	PART
inlawrev-3746	506	10	transfer	transfer	VERB
inlawrev-3746	506	11	the	the	DET
inlawrev-3746	506	12	deed	deed	NOUN
inlawrev-3746	506	13	to	to	ADP
inlawrev-3746	506	14	their	their	PRON
inlawrev-3746	506	15	property	property	NOUN
inlawrev-3746	506	16	to	to	ADP
inlawrev-3746	506	17	the	the	DET
inlawrev-3746	506	18	lender	lender	NOUN
inlawrev-3746	506	19	rather	rather	ADV
inlawrev-3746	506	20	than	than	ADP
inlawrev-3746	506	21	face	face	VERB
inlawrev-3746	506	22	foreclosure	foreclosure	NOUN
inlawrev-3746	506	23	proceedings	proceeding	NOUN
inlawrev-3746	506	24	.	.	PUNCT
inlawrev-3746	507	1	these	these	DET
inlawrev-3746	507	2	incentives	incentive	NOUN
inlawrev-3746	507	3	include	include	VERB
inlawrev-3746	507	4	avoidance	avoidance	NOUN
inlawrev-3746	507	5	of	of	ADP
inlawrev-3746	507	6	costs	cost	NOUN
inlawrev-3746	507	7	and	and	CCONJ
inlawrev-3746	507	8	litigation	litigation	NOUN
inlawrev-3746	507	9	involved	involve	VERB
inlawrev-3746	507	10	in	in	ADP
inlawrev-3746	507	11	foreclosures	foreclosure	NOUN
inlawrev-3746	507	12	and	and	CCONJ
inlawrev-3746	507	13	a	a	DET
inlawrev-3746	507	14	payment	payment	NOUN
inlawrev-3746	507	15	ofup	ofup	NOUN
inlawrev-3746	507	16	to	to	ADP
inlawrev-3746	507	17	five	five	NUM
inlawrev-3746	507	18	hundred	hundred	NUM
inlawrev-3746	507	19	dollars	dollar	NOUN
inlawrev-3746	507	20	.	.	PUNCT
inlawrev-3746	508	1	u.s	u.s	PROPN
inlawrev-3746	508	2	.	.	PROPN
inlawrev-3746	508	3	dep't	dep't	NOUN
inlawrev-3746	508	4	of	of	ADP
inlawrev-3746	508	5	hous	hous	ADJ
inlawrev-3746	508	6	.	.	PUNCT
inlawrev-3746	509	1	and	and	CCONJ
inlawrev-3746	509	2	urban	urban	PROPN
inlawrev-3746	509	3	dev	dev	PROPN
inlawrev-3746	509	4	.	.	PROPN
inlawrev-3746	509	5	,	,	PUNCT
inlawrev-3746	509	6	mortgage	mortgage	NOUN
inlawrev-3746	509	7	letter	letter	NOUN
inlawrev-3746	509	8	96	96	NUM
inlawrev-3746	509	9	-	-	SYM
inlawrev-3746	509	10	61	61	NUM
inlawrev-3746	509	11	,	,	PUNCT
inlawrev-3746	509	12	fha	fha	PROPN
inlawrev-3746	509	13	loss	loss	NOUN
inlawrev-3746	509	14	mitigation	mitigation	NOUN
inlawrev-3746	509	15	procedures	procedure	NOUN
inlawrev-3746	509	16	-	-	PUNCT
inlawrev-3746	509	17	special	special	ADJ
inlawrev-3746	509	18	instructions	instruction	NOUN
inlawrev-3746	509	19	(	(	PUNCT
inlawrev-3746	509	20	1996	1996	NUM
inlawrev-3746	509	21	)	)	PUNCT
inlawrev-3746	509	22	,	,	PUNCT
inlawrev-3746	509	23	available	available	ADJ
inlawrev-3746	509	24	at	at	ADP
inlawrev-3746	509	25	http://www.hudclips.org/sub_nonhud/html/shortcut.htm	http://www.hudclips.org/sub_nonhud/html/shortcut.htm	PROPN
inlawrev-3746	509	26	(	(	PUNCT
inlawrev-3746	509	27	follow	follow	VERB
inlawrev-3746	509	28	"	"	PUNCT
inlawrev-3746	509	29	1996	1996	NUM
inlawrev-3746	509	30	"	"	PUNCT
inlawrev-3746	509	31	hyperlink	hyperlink	NOUN
inlawrev-3746	509	32	under	under	ADP
inlawrev-3746	509	33	letters	letter	NOUN
inlawrev-3746	509	34	:	:	PUNCT
inlawrev-3746	509	35	mortgage	mortgage	NOUN
inlawrev-3746	509	36	then	then	ADV
inlawrev-3746	509	37	locate	locate	VERB
inlawrev-3746	509	38	letter	letter	NOUN
inlawrev-3746	509	39	96	96	NUM
inlawrev-3746	509	40	-	-	SYM
inlawrev-3746	509	41	61	61	NUM
inlawrev-3746	509	42	)	)	PUNCT
inlawrev-3746	509	43	.	.	PUNCT
inlawrev-3746	510	1	96	96	NUM
inlawrev-3746	510	2	.	.	X
inlawrev-3746	510	3	24	24	NUM
inlawrev-3746	510	4	c.f.r	c.f.r	NOUN
inlawrev-3746	510	5	.	.	PUNCT
inlawrev-3746	511	1	§	§	PROPN
inlawrev-3746	511	2	203.605	203.605	NUM
inlawrev-3746	511	3	.	.	PUNCT
inlawrev-3746	512	1	97	97	NUM
inlawrev-3746	512	2	.	.	PUNCT
inlawrev-3746	513	1	changes	change	NOUN
inlawrev-3746	513	2	in	in	ADP
inlawrev-3746	513	3	the	the	DET
inlawrev-3746	513	4	performance	performance	NOUN
inlawrev-3746	513	5	of	of	ADP
inlawrev-3746	513	6	fha	fha	NOUN
inlawrev-3746	513	7	-	-	PUNCT
inlawrev-3746	513	8	insured	insure	VERB
inlawrev-3746	513	9	loans	loan	NOUN
inlawrev-3746	513	10	,	,	PUNCT
inlawrev-3746	513	11	supra	supra	PROPN
inlawrev-3746	513	12	note	note	NOUN
inlawrev-3746	513	13	17	17	NUM
inlawrev-3746	513	14	,	,	PUNCT
inlawrev-3746	513	15	at	at	ADP
inlawrev-3746	513	16	28	28	NUM
inlawrev-3746	513	17	.	.	PUNCT
inlawrev-3746	514	1	the	the	DET
inlawrev-3746	514	2	amount	amount	NOUN
inlawrev-3746	514	3	ofincentives	ofincentive	NOUN
inlawrev-3746	514	4	offered	offer	VERB
inlawrev-3746	514	5	varies	varie	NOUN
inlawrev-3746	514	6	depending	depend	VERB
inlawrev-3746	514	7	on	on	ADP
inlawrev-3746	514	8	the	the	DET
inlawrev-3746	514	9	extent	extent	NOUN
inlawrev-3746	514	10	ofthe	ofthe	PRON
inlawrev-3746	514	11	lender	lender	NOUN
inlawrev-3746	514	12	's	's	PART
inlawrev-3746	514	13	participation	participation	NOUN
inlawrev-3746	514	14	in	in	ADP
inlawrev-3746	514	15	the	the	DET
inlawrev-3746	514	16	loss	loss	NOUN
inlawrev-3746	514	17	mitigation	mitigation	NOUN
inlawrev-3746	514	18	program	program	NOUN
inlawrev-3746	514	19	.	.	PUNCT
inlawrev-3746	515	1	some	some	DET
inlawrev-3746	515	2	incentives	incentive	NOUN
inlawrev-3746	515	3	offered	offer	VERB
inlawrev-3746	515	4	include	include	VERB
inlawrev-3746	515	5	higher	high	ADJ
inlawrev-3746	515	6	reimbursements	reimbursement	NOUN
inlawrev-3746	515	7	for	for	ADP
inlawrev-3746	515	8	foreclosure	foreclosure	NOUN
inlawrev-3746	515	9	expenses	expense	NOUN
inlawrev-3746	515	10	,	,	PUNCT
inlawrev-3746	515	11	reimbursements	reimbursement	NOUN
inlawrev-3746	515	12	for	for	ADP
inlawrev-3746	515	13	expenses	expense	NOUN
inlawrev-3746	515	14	incurred	incur	VERB
inlawrev-3746	515	15	while	while	SCONJ
inlawrev-3746	515	16	mitigating	mitigate	VERB
inlawrev-3746	515	17	losses	loss	NOUN
inlawrev-3746	515	18	,	,	PUNCT
inlawrev-3746	515	19	and	and	CCONJ
inlawrev-3746	515	20	cash	cash	NOUN
inlawrev-3746	515	21	payments	payment	NOUN
inlawrev-3746	515	22	.	.	PUNCT
inlawrev-3746	516	1	the	the	DET
inlawrev-3746	516	2	amount	amount	NOUN
inlawrev-3746	516	3	of	of	ADP
inlawrev-3746	516	4	these	these	DET
inlawrev-3746	516	5	payments	payment	NOUN
inlawrev-3746	516	6	depends	depend	VERB
inlawrev-3746	516	7	on	on	ADP
inlawrev-3746	516	8	the	the	DET
inlawrev-3746	516	9	type	type	NOUN
inlawrev-3746	516	10	of	of	ADP
inlawrev-3746	516	11	mitigation	mitigation	NOUN
inlawrev-3746	516	12	strategy	strategy	NOUN
inlawrev-3746	516	13	that	that	PRON
inlawrev-3746	516	14	was	be	AUX
inlawrev-3746	516	15	used	use	VERB
inlawrev-3746	516	16	most	most	ADJ
inlawrev-3746	516	17	by	by	ADP
inlawrev-3746	516	18	the	the	DET
inlawrev-3746	516	19	lender	lender	NOUN
inlawrev-3746	516	20	.	.	PUNCT
inlawrev-3746	517	1	abtassociates	abtassociates	PROPN
inlawrev-3746	517	2	inc	inc	PROPN
inlawrev-3746	517	3	.	.	PROPN
inlawrev-3746	517	4	,	,	PUNCT
inlawrev-3746	517	5	anassessment	anassessment	PROPN
inlawrev-3746	517	6	offha	offha	PROPN
inlawrev-3746	517	7	's	's	PART
inlawrev-3746	517	8	single	single	ADJ
inlawrev-3746	517	9	-	-	PUNCT
inlawrev-3746	517	10	familymortgage	familymortgage	NOUN
inlawrev-3746	517	11	insurance	insurance	NOUN
inlawrev-3746	517	12	loss	loss	NOUN
inlawrev-3746	517	13	mitigation	mitigation	NOUN
inlawrev-3746	517	14	program	program	NOUN
inlawrev-3746	517	15	:	:	PUNCT
inlawrev-3746	517	16	final	final	ADJ
inlawrev-3746	517	17	report	report	NOUN
inlawrev-3746	517	18	18	18	NUM
inlawrev-3746	517	19	-	-	SYM
inlawrev-3746	517	20	22	22	NUM
inlawrev-3746	517	21	(	(	PUNCT
inlawrev-3746	517	22	2000	2000	NUM
inlawrev-3746	517	23	)	)	PUNCT
inlawrev-3746	517	24	,	,	PUNCT
inlawrev-3746	517	25	available	available	ADJ
inlawrev-3746	517	26	at	at	ADP
inlawrev-3746	517	27	http://www.abtassoc	http://www.abtassoc	NOUN
inlawrev-3746	517	28	.	.	PUNCT
inlawrev-3746	517	29	com	com	PROPN
inlawrev-3746	517	30	/	/	SYM
inlawrev-3746	517	31	reports/20007	reports/20007	PROPN
inlawrev-3746	517	32	197399621.pdf	197399621.pdf	NUM
inlawrev-3746	517	33	.	.	PUNCT
inlawrev-3746	518	1	on	on	ADP
inlawrev-3746	518	2	the	the	DET
inlawrev-3746	518	3	other	other	ADJ
inlawrev-3746	518	4	hand	hand	NOUN
inlawrev-3746	518	5	,	,	PUNCT
inlawrev-3746	518	6	lenders	lender	NOUN
inlawrev-3746	518	7	who	who	PRON
inlawrev-3746	518	8	do	do	AUX
inlawrev-3746	518	9	not	not	PART
inlawrev-3746	518	10	comply	comply	VERB
inlawrev-3746	518	11	with	with	ADP
inlawrev-3746	518	12	the	the	DET
inlawrev-3746	518	13	procedures	procedure	NOUN
inlawrev-3746	518	14	miss	miss	VERB
inlawrev-3746	518	15	the	the	DET
inlawrev-3746	518	16	opportunity	opportunity	NOUN
inlawrev-3746	518	17	to	to	PART
inlawrev-3746	518	18	receive	receive	VERB
inlawrev-3746	518	19	incentives	incentive	NOUN
inlawrev-3746	518	20	and	and	CCONJ
inlawrev-3746	518	21	benefits	benefit	NOUN
inlawrev-3746	518	22	and	and	CCONJ
inlawrev-3746	518	23	may	may	AUX
inlawrev-3746	518	24	face	face	VERB
inlawrev-3746	518	25	reduced	reduced	ADJ
inlawrev-3746	518	26	reimbursement	reimbursement	NOUN
inlawrev-3746	518	27	for	for	ADP
inlawrev-3746	518	28	foreclosure	foreclosure	NOUN
inlawrev-3746	518	29	costs	cost	NOUN
inlawrev-3746	518	30	or	or	CCONJ
inlawrev-3746	518	31	lower	low	ADJ
inlawrev-3746	518	32	interest	interest	NOUN
inlawrev-3746	518	33	rates	rate	NOUN
inlawrev-3746	518	34	when	when	SCONJ
inlawrev-3746	518	35	foreclosure	foreclosure	NOUN
inlawrev-3746	518	36	is	be	AUX
inlawrev-3746	518	37	delayed	delay	VERB
inlawrev-3746	518	38	.	.	PUNCT
inlawrev-3746	519	1	i	i	PRON
inlawrev-3746	519	2	d.	d.	PROPN
inlawrev-3746	519	3	at	at	ADP
inlawrev-3746	519	4	10	10	NUM
inlawrev-3746	519	5	.	.	PUNCT
inlawrev-3746	519	6	98	98	NUM
inlawrev-3746	519	7	.	.	PUNCT
inlawrev-3746	520	1	changes	change	NOUN
inlawrev-3746	520	2	in	in	ADP
inlawrev-3746	520	3	the	the	DET
inlawrev-3746	520	4	performance	performance	NOUN
inlawrev-3746	520	5	of	of	ADP
inlawrev-3746	520	6	fha	fha	NOUN
inlawrev-3746	520	7	-	-	PUNCT
inlawrev-3746	520	8	insured	insure	VERB
inlawrev-3746	520	9	loans	loan	NOUN
inlawrev-3746	520	10	,	,	PUNCT
inlawrev-3746	520	11	supra	supra	NOUN
inlawrev-3746	520	12	note	note	NOUN
inlawrev-3746	520	13	1	1	NUM
inlawrev-3746	520	14	7	7	NUM
inlawrev-3746	520	15	,	,	PUNCT
inlawrev-3746	520	16	at	at	ADP
inlawrev-3746	520	17	30	30	NUM
inlawrev-3746	520	18	.	.	PUNCT
inlawrev-3746	521	1	99	99	NUM
inlawrev-3746	521	2	.	.	PUNCT
inlawrev-3746	522	1	i	i	PRON
inlawrev-3746	522	2	d.	d.	PROPN
inlawrev-3746	522	3	at	at	ADP
inlawrev-3746	522	4	26	26	NUM
inlawrev-3746	522	5	.	.	PUNCT
inlawrev-3746	522	6	100	100	NUM
inlawrev-3746	522	7	.	.	PUNCT
inlawrev-3746	523	1	i	i	PRON
inlawrev-3746	523	2	d.	d.	PROPN
inlawrev-3746	523	3	2005	2005	NUM
inlawrev-3746	523	4	]	]	PUNCT
inlawrev-3746	524	1	hoosier	hoosier	NOUN
inlawrev-3746	524	2	inhospitality	inhospitality	NOUN
inlawrev-3746	524	3	103	103	NUM
inlawrev-3746	524	4	many	many	ADJ
inlawrev-3746	524	5	people	people	NOUN
inlawrev-3746	524	6	as	as	ADP
inlawrev-3746	524	7	possible	possible	ADJ
inlawrev-3746	524	8	,	,	PUNCT
inlawrev-3746	524	9	so	so	SCONJ
inlawrev-3746	524	10	it	it	PRON
inlawrev-3746	524	11	will	will	AUX
inlawrev-3746	524	12	be	be	AUX
inlawrev-3746	524	13	difficult	difficult	ADJ
inlawrev-3746	524	14	to	to	PART
inlawrev-3746	524	15	balance	balance	VERB
inlawrev-3746	524	16	its	its	PRON
inlawrev-3746	524	17	implementation	implementation	NOUN
inlawrev-3746	524	18	with	with	ADP
inlawrev-3746	524	19	its	its	PRON
inlawrev-3746	524	20	previously	previously	ADV
inlawrev-3746	524	21	established	establish	VERB
inlawrev-3746	524	22	guidelines	guideline	NOUN
inlawrev-3746	524	23	.	.	PUNCT
inlawrev-3746	525	1	the	the	DET
inlawrev-3746	525	2	fhamust	fhamust	NOUN
inlawrev-3746	525	3	also	also	ADV
inlawrev-3746	525	4	focus	focus	VERB
inlawrev-3746	525	5	on	on	ADP
inlawrev-3746	525	6	changes	change	NOUN
inlawrev-3746	525	7	at	at	ADP
inlawrev-3746	525	8	the	the	DET
inlawrev-3746	525	9	outset	outset	NOUN
inlawrev-3746	525	10	of	of	ADP
inlawrev-3746	525	11	its	its	PRON
inlawrev-3746	525	12	mortgages	mortgage	NOUN
inlawrev-3746	525	13	,	,	PUNCT
inlawrev-3746	525	14	which	which	PRON
inlawrev-3746	525	15	will	will	AUX
inlawrev-3746	525	16	reduce	reduce	VERB
inlawrev-3746	525	17	the	the	DET
inlawrev-3746	525	18	need	need	NOUN
inlawrev-3746	525	19	for	for	ADP
inlawrev-3746	525	20	these	these	DET
inlawrev-3746	525	21	loss	loss	NOUN
inlawrev-3746	525	22	mitigation	mitigation	NOUN
inlawrev-3746	525	23	strategies	strategy	NOUN
inlawrev-3746	525	24	and	and	CCONJ
inlawrev-3746	525	25	less	less	ADV
inlawrev-3746	525	26	risky	risky	ADJ
inlawrev-3746	525	27	borrowers	borrower	NOUN
inlawrev-3746	525	28	in	in	ADP
inlawrev-3746	525	29	the	the	DET
inlawrev-3746	525	30	future	future	NOUN
inlawrev-3746	525	31	.	.	PUNCT
inlawrev-3746	526	1	part	part	NOUN
inlawrev-3746	526	2	iii.c	iii.c	PROPN
inlawrev-3746	526	3	ofthis	ofthis	ADJ
inlawrev-3746	526	4	note	note	NOUN
inlawrev-3746	526	5	discusses	discuss	VERB
inlawrev-3746	526	6	some	some	DET
inlawrev-3746	526	7	potential	potential	ADJ
inlawrev-3746	526	8	mitigation	mitigation	NOUN
inlawrev-3746	526	9	options	option	NOUN
inlawrev-3746	526	10	for	for	ADP
inlawrev-3746	526	11	the	the	DET
inlawrev-3746	526	12	fha	fha	PROPN
inlawrev-3746	526	13	.	.	PUNCT
inlawrev-3746	526	14	iii	iii	PROPN
inlawrev-3746	526	15	.	.	PUNCT
inlawrev-3746	526	16	proposals	proposal	NOUN
inlawrev-3746	526	17	to	to	PART
inlawrev-3746	526	18	reduce	reduce	VERB
inlawrev-3746	526	19	foreclosure	foreclosure	NOUN
inlawrev-3746	526	20	rates	rate	NOUN
inlawrev-3746	526	21	a.	a.	NOUN
inlawrev-3746	526	22	policy	policy	NOUN
inlawrev-3746	526	23	considerations	consideration	NOUN
inlawrev-3746	526	24	at	at	ADP
inlawrev-3746	526	25	the	the	DET
inlawrev-3746	526	26	heart	heart	NOUN
inlawrev-3746	526	27	of	of	ADP
inlawrev-3746	526	28	the	the	DET
inlawrev-3746	526	29	recent	recent	ADJ
inlawrev-3746	526	30	rise	rise	NOUN
inlawrev-3746	526	31	in	in	ADP
inlawrev-3746	526	32	foreclosures	foreclosure	NOUN
inlawrev-3746	526	33	is	be	AUX
inlawrev-3746	526	34	the	the	DET
inlawrev-3746	526	35	struggle	struggle	NOUN
inlawrev-3746	526	36	between	between	ADP
inlawrev-3746	526	37	those	those	PRON
inlawrev-3746	526	38	who	who	PRON
inlawrev-3746	526	39	want	want	VERB
inlawrev-3746	526	40	increased	increase	VERB
inlawrev-3746	526	41	homeownership	homeownership	NOUN
inlawrev-3746	526	42	opportunities	opportunity	NOUN
inlawrev-3746	526	43	for	for	ADP
inlawrev-3746	526	44	all	all	PRON
inlawrev-3746	526	45	and	and	CCONJ
inlawrev-3746	526	46	those	those	PRON
inlawrev-3746	526	47	who	who	PRON
inlawrev-3746	526	48	encourage	encourage	VERB
inlawrev-3746	526	49	a	a	DET
inlawrev-3746	526	50	limit	limit	NOUN
inlawrev-3746	526	51	to	to	ADP
inlawrev-3746	526	52	such	such	ADJ
inlawrev-3746	526	53	endeavors	endeavor	NOUN
inlawrev-3746	526	54	.	.	PUNCT
inlawrev-3746	527	1	the	the	DET
inlawrev-3746	527	2	private	private	ADJ
inlawrev-3746	527	3	mortgage	mortgage	NOUN
inlawrev-3746	527	4	market	market	NOUN
inlawrev-3746	527	5	,	,	PUNCT
inlawrev-3746	527	6	along	along	ADP
inlawrev-3746	527	7	with	with	ADP
inlawrev-3746	527	8	programs	program	NOUN
inlawrev-3746	527	9	like	like	ADP
inlawrev-3746	527	10	the	the	DET
inlawrev-3746	527	11	fha	fha	PROPN
inlawrev-3746	527	12	,	,	PUNCT
inlawrev-3746	527	13	has	have	AUX
inlawrev-3746	527	14	made	make	VERB
inlawrev-3746	527	15	it	it	PRON
inlawrev-3746	527	16	increasingly	increasingly	ADV
inlawrev-3746	527	17	easy	easy	ADJ
inlawrev-3746	527	18	for	for	ADP
inlawrev-3746	527	19	people	people	NOUN
inlawrev-3746	527	20	who	who	PRON
inlawrev-3746	527	21	would	would	AUX
inlawrev-3746	527	22	not	not	PART
inlawrev-3746	527	23	otherwise	otherwise	ADV
inlawrev-3746	527	24	qualify	qualify	VERB
inlawrev-3746	527	25	for	for	ADP
inlawrev-3746	527	26	mortgages	mortgage	NOUN
inlawrev-3746	527	27	in	in	ADP
inlawrev-3746	527	28	the	the	DET
inlawrev-3746	527	29	past	past	NOUN
inlawrev-3746	527	30	to	to	PART
inlawrev-3746	527	31	receive	receive	VERB
inlawrev-3746	527	32	financing	financing	NOUN
inlawrev-3746	527	33	.	.	PUNCT
inlawrev-3746	528	1	proponents	proponent	NOUN
inlawrev-3746	528	2	of	of	ADP
inlawrev-3746	528	3	increasing	increase	VERB
inlawrev-3746	528	4	homeownership	homeownership	NOUN
inlawrev-3746	528	5	for	for	ADP
inlawrev-3746	528	6	all	all	DET
inlawrev-3746	528	7	citizens	citizen	NOUN
inlawrev-3746	528	8	may	may	AUX
inlawrev-3746	528	9	see	see	VERB
inlawrev-3746	528	10	these	these	DET
inlawrev-3746	528	11	changes	change	NOUN
inlawrev-3746	528	12	as	as	ADP
inlawrev-3746	528	13	a	a	DET
inlawrev-3746	528	14	good	good	ADJ
inlawrev-3746	528	15	thing	thing	NOUN
inlawrev-3746	528	16	,	,	PUNCT
inlawrev-3746	528	17	while	while	SCONJ
inlawrev-3746	528	18	others	other	NOUN
inlawrev-3746	528	19	focus	focus	VERB
inlawrev-3746	528	20	on	on	ADP
inlawrev-3746	528	21	the	the	DET
inlawrev-3746	528	22	additional	additional	ADJ
inlawrev-3746	528	23	costs	cost	NOUN
inlawrev-3746	528	24	of	of	ADP
inlawrev-3746	528	25	foreclosures	foreclosure	NOUN
inlawrev-3746	528	26	and	and	CCONJ
inlawrev-3746	528	27	burdens	burden	NOUN
inlawrev-3746	528	28	on	on	ADP
inlawrev-3746	528	29	local	local	ADJ
inlawrev-3746	528	30	communities	community	NOUN
inlawrev-3746	528	31	and	and	CCONJ
inlawrev-3746	528	32	the	the	DET
inlawrev-3746	528	33	economy	economy	NOUN
inlawrev-3746	528	34	.	.	PUNCT
inlawrev-3746	529	1	the	the	DET
inlawrev-3746	529	2	benefits	benefit	NOUN
inlawrev-3746	529	3	and	and	CCONJ
inlawrev-3746	529	4	disadvantages	disadvantage	NOUN
inlawrev-3746	529	5	of	of	ADP
inlawrev-3746	529	6	homeownership	homeownership	NOUN
inlawrev-3746	529	7	are	be	AUX
inlawrev-3746	529	8	thus	thus	ADV
inlawrev-3746	529	9	central	central	ADJ
inlawrev-3746	529	10	to	to	ADP
inlawrev-3746	529	11	the	the	DET
inlawrev-3746	529	12	debate	debate	NOUN
inlawrev-3746	529	13	about	about	ADP
inlawrev-3746	529	14	where	where	SCONJ
inlawrev-3746	529	15	the	the	DET
inlawrev-3746	529	16	line	line	NOUN
inlawrev-3746	529	17	should	should	AUX
inlawrev-3746	529	18	be	be	AUX
inlawrev-3746	529	19	drawn	draw	VERB
inlawrev-3746	529	20	as	as	ADP
inlawrev-3746	529	21	to	to	ADP
inlawrev-3746	529	22	what	what	PRON
inlawrev-3746	529	23	constitutes	constitute	VERB
inlawrev-3746	529	24	permissible	permissible	ADJ
inlawrev-3746	529	25	financing	financing	NOUN
inlawrev-3746	529	26	from	from	ADP
inlawrev-3746	529	27	lenders	lender	NOUN
inlawrev-3746	529	28	.	.	PUNCT
inlawrev-3746	530	1	policymakers	policymaker	NOUN
inlawrev-3746	530	2	can	can	AUX
inlawrev-3746	530	3	"	"	PUNCT
inlawrev-3746	530	4	facilitate	facilitate	VERB
inlawrev-3746	530	5	availability	availability	NOUN
inlawrev-3746	530	6	of	of	ADP
inlawrev-3746	530	7	low	low	ADV
inlawrev-3746	530	8	-	-	PUNCT
inlawrev-3746	530	9	priced	price	VERB
inlawrev-3746	530	10	mortgage	mortgage	NOUN
inlawrev-3746	530	11	credit	credit	NOUN
inlawrev-3746	530	12	,	,	PUNCT
inlawrev-3746	530	13	or	or	CCONJ
inlawrev-3746	530	14	they	they	PRON
inlawrev-3746	530	15	can	can	AUX
inlawrev-3746	530	16	provide	provide	VERB
inlawrev-3746	530	17	protections	protection	NOUN
inlawrev-3746	530	18	to	to	ADP
inlawrev-3746	530	19	home	home	NOUN
inlawrev-3746	530	20	-	-	PUNCT
inlawrev-3746	530	21	owners	owner	NOUN
inlawrev-3746	530	22	who	who	PRON
inlawrev-3746	530	23	experience	experience	VERB
inlawrev-3746	530	24	financial	financial	ADJ
inlawrev-3746	530	25	difficulties	difficulty	NOUN
inlawrev-3746	530	26	,	,	PUNCT
inlawrev-3746	530	27	but	but	CCONJ
inlawrev-3746	530	28	they	they	PRON
inlawrev-3746	530	29	can	can	AUX
inlawrev-3746	530	30	not	not	PART
inlawrev-3746	530	31	do	do	VERB
inlawrev-3746	530	32	both	both	PRON
inlawrev-3746	530	33	.	.	PUNCT
inlawrev-3746	530	34	"	"	PUNCT
inlawrev-3746	531	1	101	101	NUM
inlawrev-3746	531	2	1	1	NUM
inlawrev-3746	531	3	.	.	PUNCT
inlawrev-3746	531	4	advantages	advantage	NOUN
inlawrev-3746	531	5	ofhighhomeownership	ofhighhomeownership	NOUN
inlawrev-3746	531	6	.	.	PUNCT
inlawrev-3746	532	1	—	—	PUNCT
inlawrev-3746	532	2	"	"	PUNCT
inlawrev-3746	532	3	housing	housing	NOUN
inlawrev-3746	532	4	is	be	AUX
inlawrev-3746	532	5	a	a	DET
inlawrev-3746	532	6	necessary	necessary	ADJ
inlawrev-3746	532	7	oflife	oflife	NOUN
inlawrev-3746	532	8	.	.	PUNCT
inlawrev-3746	532	9	"	"	PUNCT
inlawrev-3746	533	1	102	102	NUM
inlawrev-3746	533	2	housing	housing	NOUN
inlawrev-3746	533	3	can	can	AUX
inlawrev-3746	533	4	take	take	VERB
inlawrev-3746	533	5	many	many	ADJ
inlawrev-3746	533	6	different	different	ADJ
inlawrev-3746	533	7	forms	form	NOUN
inlawrev-3746	533	8	,	,	PUNCT
inlawrev-3746	533	9	from	from	ADP
inlawrev-3746	533	10	huge	huge	ADJ
inlawrev-3746	533	11	mansions	mansion	NOUN
inlawrev-3746	533	12	owned	own	VERB
inlawrev-3746	533	13	by	by	ADP
inlawrev-3746	533	14	individuals	individual	NOUN
inlawrev-3746	533	15	to	to	ADP
inlawrev-3746	533	16	small	small	ADJ
inlawrev-3746	533	17	apartments	apartment	NOUN
inlawrev-3746	533	18	rented	rent	VERB
inlawrev-3746	533	19	on	on	ADP
inlawrev-3746	533	20	a	a	DET
inlawrev-3746	533	21	monthly	monthly	ADJ
inlawrev-3746	533	22	basis	basis	NOUN
inlawrev-3746	533	23	.	.	PUNCT
inlawrev-3746	534	1	however	however	ADV
inlawrev-3746	534	2	,	,	PUNCT
inlawrev-3746	534	3	the	the	DET
inlawrev-3746	534	4	"	"	PUNCT
inlawrev-3746	534	5	american	american	ADJ
inlawrev-3746	534	6	dream	dream	NOUN
inlawrev-3746	534	7	"	"	PUNCT
inlawrev-3746	534	8	is	be	AUX
inlawrev-3746	534	9	to	to	PART
inlawrev-3746	534	10	own	own	VERB
inlawrev-3746	534	11	some	some	DET
inlawrev-3746	534	12	type	type	NOUN
inlawrev-3746	534	13	ofproperty	ofproperty	NOUN
inlawrev-3746	534	14	,	,	PUNCT
inlawrev-3746	534	15	and	and	CCONJ
inlawrev-3746	534	16	therefore	therefore	ADV
inlawrev-3746	534	17	many	many	ADJ
inlawrev-3746	534	18	believe	believe	VERB
inlawrev-3746	534	19	that	that	SCONJ
inlawrev-3746	534	20	increasing	increase	VERB
inlawrev-3746	534	21	homeownership	homeownership	NOUN
inlawrev-3746	534	22	can	can	AUX
inlawrev-3746	534	23	improve	improve	VERB
inlawrev-3746	534	24	the	the	DET
inlawrev-3746	534	25	morale	morale	NOUN
inlawrev-3746	534	26	ofsociety	ofsociety	NOUN
inlawrev-3746	534	27	.	.	PUNCT
inlawrev-3746	535	1	while	while	SCONJ
inlawrev-3746	535	2	studies	study	NOUN
inlawrev-3746	535	3	can	can	AUX
inlawrev-3746	535	4	not	not	PART
inlawrev-3746	535	5	readily	readily	ADV
inlawrev-3746	535	6	quantify	quantify	ADJ
inlawrev-3746	535	7	and	and	CCONJ
inlawrev-3746	535	8	measure	measure	VERB
inlawrev-3746	535	9	this	this	DET
inlawrev-3746	535	10	positive	positive	ADJ
inlawrev-3746	535	11	emotional	emotional	ADJ
inlawrev-3746	535	12	response	response	NOUN
inlawrev-3746	535	13	,	,	PUNCT
inlawrev-3746	535	14	some	some	DET
inlawrev-3746	535	15	studies	study	NOUN
inlawrev-3746	535	16	have	have	AUX
inlawrev-3746	535	17	focused	focus	VERB
inlawrev-3746	535	18	on	on	ADP
inlawrev-3746	535	19	peripheral	peripheral	ADJ
inlawrev-3746	535	20	advantages	advantage	NOUN
inlawrev-3746	535	21	of	of	ADP
inlawrev-3746	535	22	owning	own	VERB
inlawrev-3746	535	23	a	a	DET
inlawrev-3746	535	24	home	home	NOUN
inlawrev-3746	535	25	.	.	PUNCT
inlawrev-3746	536	1	first	first	ADV
inlawrev-3746	536	2	,	,	PUNCT
inlawrev-3746	536	3	homeowners	homeowner	NOUN
inlawrev-3746	536	4	have	have	VERB
inlawrev-3746	536	5	more	more	ADJ
inlawrev-3746	536	6	of	of	ADP
inlawrev-3746	536	7	a	a	DET
inlawrev-3746	536	8	financial	financial	ADJ
inlawrev-3746	536	9	interest	interest	NOUN
inlawrev-3746	536	10	and	and	CCONJ
inlawrev-3746	536	11	investment	investment	NOUN
inlawrev-3746	536	12	in	in	ADP
inlawrev-3746	536	13	their	their	PRON
inlawrev-3746	536	14	neighborhood	neighborhood	NOUN
inlawrev-3746	536	15	and	and	CCONJ
inlawrev-3746	536	16	therefore	therefore	ADV
inlawrev-3746	536	17	are	be	AUX
inlawrev-3746	536	18	likely	likely	ADJ
inlawrev-3746	536	19	to	to	PART
inlawrev-3746	536	20	be	be	AUX
inlawrev-3746	536	21	more	more	ADV
inlawrev-3746	536	22	conscientious	conscientious	ADJ
inlawrev-3746	536	23	about	about	ADP
inlawrev-3746	536	24	improving	improve	VERB
inlawrev-3746	536	25	the	the	DET
inlawrev-3746	536	26	quality	quality	NOUN
inlawrev-3746	536	27	of	of	ADP
inlawrev-3746	536	28	their	their	PRON
inlawrev-3746	536	29	surroundings	surrounding	NOUN
inlawrev-3746	536	30	than	than	ADP
inlawrev-3746	536	31	renters	renter	NOUN
inlawrev-3746	536	32	,	,	PUNCT
inlawrev-3746	536	33	who	who	PRON
inlawrev-3746	536	34	typically	typically	ADV
inlawrev-3746	536	35	stay	stay	VERB
inlawrev-3746	536	36	in	in	ADP
inlawrev-3746	536	37	one	one	NUM
inlawrev-3746	536	38	location	location	NOUN
inlawrev-3746	536	39	for	for	ADP
inlawrev-3746	536	40	a	a	DET
inlawrev-3746	536	41	short	short	ADJ
inlawrev-3746	536	42	period	period	NOUN
inlawrev-3746	536	43	oftime	oftime	NOUN
inlawrev-3746	536	44	.	.	PUNCT
inlawrev-3746	537	1	this	this	DET
inlawrev-3746	537	2	conscientiousness	conscientiousness	NOUN
inlawrev-3746	537	3	can	can	AUX
inlawrev-3746	537	4	include	include	VERB
inlawrev-3746	537	5	taking	take	VERB
inlawrev-3746	537	6	better	well	ADJ
inlawrev-3746	537	7	care	care	NOUN
inlawrev-3746	537	8	ofproperty	ofproperty	NOUN
inlawrev-3746	537	9	or	or	CCONJ
inlawrev-3746	537	10	being	be	AUX
inlawrev-3746	537	11	more	more	ADV
inlawrev-3746	537	12	likely	likely	ADJ
inlawrev-3746	537	13	to	to	PART
inlawrev-3746	537	14	vote	vote	VERB
inlawrev-3746	537	15	for	for	ADP
inlawrev-3746	537	16	proposals	proposal	NOUN
inlawrev-3746	537	17	needed	need	VERB
inlawrev-3746	537	18	for	for	ADP
inlawrev-3746	537	19	the	the	DET
inlawrev-3746	537	20	future	future	NOUN
inlawrev-3746	537	21	,	,	PUNCT
inlawrev-3746	537	22	such	such	ADJ
inlawrev-3746	537	23	as	as	ADP
inlawrev-3746	537	24	road	road	NOUN
inlawrev-3746	537	25	improvements	improvement	NOUN
inlawrev-3746	537	26	.	.	PUNCT
inlawrev-3746	538	1	103	103	NUM
inlawrev-3746	539	1	thus	thus	ADV
inlawrev-3746	539	2	,	,	PUNCT
inlawrev-3746	539	3	the	the	DET
inlawrev-3746	539	4	entire	entire	ADJ
inlawrev-3746	539	5	community	community	NOUN
inlawrev-3746	539	6	benefits	benefit	NOUN
inlawrev-3746	539	7	by	by	ADP
inlawrev-3746	539	8	having	have	VERB
inlawrev-3746	539	9	more	more	ADJ
inlawrev-3746	539	10	homeowners	homeowner	NOUN
inlawrev-3746	539	11	in	in	ADP
inlawrev-3746	539	12	the	the	DET
inlawrev-3746	539	13	area	area	NOUN
inlawrev-3746	539	14	who	who	PRON
inlawrev-3746	539	15	take	take	VERB
inlawrev-3746	539	16	responsibility	responsibility	NOUN
inlawrev-3746	539	17	for	for	ADP
inlawrev-3746	539	18	managing	manage	VERB
inlawrev-3746	539	19	and	and	CCONJ
inlawrev-3746	539	20	improving	improve	VERB
inlawrev-3746	539	21	their	their	PRON
inlawrev-3746	539	22	investment	investment	NOUN
inlawrev-3746	539	23	.	.	PUNCT
inlawrev-3746	540	1	104	104	NUM
inlawrev-3746	540	2	101	101	NUM
inlawrev-3746	540	3	.	.	PUNCT
inlawrev-3746	541	1	pence	penny	NOUN
inlawrev-3746	541	2	,	,	PUNCT
inlawrev-3746	541	3	supra	supra	PROPN
inlawrev-3746	541	4	note	note	NOUN
inlawrev-3746	541	5	5	5	NUM
inlawrev-3746	541	6	,	,	PUNCT
inlawrev-3746	541	7	at	at	ADP
inlawrev-3746	541	8	3	3	NUM
inlawrev-3746	541	9	.	.	PUNCT
inlawrev-3746	541	10	102	102	NUM
inlawrev-3746	541	11	.	.	PUNCT
inlawrev-3746	542	1	jonathan	jonathan	PROPN
inlawrev-3746	542	2	douglas	douglas	PROPN
inlawrev-3746	542	3	witten	witten	PROPN
inlawrev-3746	542	4	,	,	PUNCT
inlawrev-3746	542	5	the	the	DET
inlawrev-3746	542	6	cost	cost	NOUN
inlawrev-3746	542	7	ofdevelopingaffordable	ofdevelopingaffordable	ADJ
inlawrev-3746	542	8	housing	housing	NOUN
inlawrev-3746	542	9	:	:	PUNCT
inlawrev-3746	542	10	at	at	ADP
inlawrev-3746	542	11	whatprice	whatprice	NOUN
inlawrev-3746	542	12	?	?	PROPN
inlawrev-3746	542	13	,	,	PUNCT
inlawrev-3746	542	14	30	30	NUM
inlawrev-3746	542	15	b.c	b.c	PROPN
inlawrev-3746	542	16	.	.	PROPN
inlawrev-3746	542	17	envtl	envtl	PROPN
inlawrev-3746	542	18	.	.	PUNCT
inlawrev-3746	543	1	aff	aff	PROPN
inlawrev-3746	543	2	.	.	PUNCT
inlawrev-3746	544	1	l.	l.	PROPN
inlawrev-3746	544	2	rev	rev	AUX
inlawrev-3746	544	3	.	.	PROPN
inlawrev-3746	544	4	509	509	NUM
inlawrev-3746	544	5	,	,	PUNCT
inlawrev-3746	544	6	509	509	NUM
inlawrev-3746	544	7	(	(	PUNCT
inlawrev-3746	544	8	2003	2003	NUM
inlawrev-3746	544	9	)	)	PUNCT
inlawrev-3746	544	10	(	(	PUNCT
inlawrev-3746	544	11	quoting	quote	VERB
inlawrev-3746	544	12	block	block	NOUN
inlawrev-3746	544	13	v.	v.	ADP
inlawrev-3746	544	14	hirsch	hirsch	PROPN
inlawrev-3746	544	15	,	,	PUNCT
inlawrev-3746	544	16	256	256	NUM
inlawrev-3746	544	17	u.s	u.s	PROPN
inlawrev-3746	544	18	.	.	PROPN
inlawrev-3746	544	19	135	135	NUM
inlawrev-3746	544	20	,	,	PUNCT
inlawrev-3746	544	21	156	156	NUM
inlawrev-3746	544	22	(	(	PUNCT
inlawrev-3746	544	23	1920	1920	NUM
inlawrev-3746	544	24	)	)	PUNCT
inlawrev-3746	544	25	)	)	PUNCT
inlawrev-3746	545	1	(	(	PUNCT
inlawrev-3746	545	2	emphasis	emphasis	NOUN
inlawrev-3746	545	3	omitted	omit	VERB
inlawrev-3746	545	4	)	)	PUNCT
inlawrev-3746	545	5	.	.	PUNCT
inlawrev-3746	546	1	103	103	NUM
inlawrev-3746	546	2	.	.	PUNCT
inlawrev-3746	547	1	peter	peter	PROPN
inlawrev-3746	547	2	coy	coy	PROPN
inlawrev-3746	547	3	,	,	PUNCT
inlawrev-3746	547	4	when	when	SCONJ
inlawrev-3746	547	5	homebuying	homebuye	VERB
inlawrev-3746	547	6	by	by	ADP
inlawrev-3746	547	7	thepoorbackfires	thepoorbackfire	NOUN
inlawrev-3746	547	8	:	:	PUNCT
inlawrev-3746	547	9	formany	formany	ADJ
inlawrev-3746	547	10	families	family	NOUN
inlawrev-3746	547	11	,	,	PUNCT
inlawrev-3746	547	12	a	a	DET
inlawrev-3746	547	13	house	house	NOUN
inlawrev-3746	547	14	can	can	AUX
inlawrev-3746	547	15	be	be	AUX
inlawrev-3746	547	16	a	a	DET
inlawrev-3746	547	17	bad	bad	ADJ
inlawrev-3746	547	18	investment	investment	NOUN
inlawrev-3746	547	19	,	,	PUNCT
inlawrev-3746	547	20	bus	bus	NOUN
inlawrev-3746	547	21	.	.	PUNCT
inlawrev-3746	548	1	week	week	NOUN
inlawrev-3746	548	2	,	,	PUNCT
inlawrev-3746	548	3	nov	nov	PROPN
inlawrev-3746	548	4	.	.	PROPN
inlawrev-3746	548	5	1	1	NUM
inlawrev-3746	548	6	,	,	PUNCT
inlawrev-3746	548	7	2004	2004	NUM
inlawrev-3746	548	8	,	,	PUNCT
inlawrev-3746	548	9	at	at	ADP
inlawrev-3746	548	10	68	68	NUM
inlawrev-3746	548	11	.	.	PUNCT
inlawrev-3746	548	12	104	104	NUM
inlawrev-3746	548	13	.	.	PUNCT
inlawrev-3746	549	1	daniel	daniel	PROPN
inlawrev-3746	549	2	aaronson	aaronson	PROPN
inlawrev-3746	549	3	,	,	PUNCT
inlawrev-3746	549	4	a	a	DET
inlawrev-3746	549	5	note	note	NOUN
inlawrev-3746	549	6	on	on	ADP
inlawrev-3746	549	7	the	the	DET
inlawrev-3746	549	8	benefits	benefit	NOUN
inlawrev-3746	549	9	ofhomeownership	ofhomeownership	NOUN
inlawrev-3746	549	10	2	2	NUM
inlawrev-3746	549	11	(	(	PUNCT
inlawrev-3746	549	12	fed	fed	PROPN
inlawrev-3746	549	13	.	.	PUNCT
inlawrev-3746	550	1	reserve	reserve	PROPN
inlawrev-3746	550	2	bank	bank	PROPN
inlawrev-3746	550	3	of	of	ADP
inlawrev-3746	550	4	104	104	NUM
inlawrev-3746	550	5	indiana	indiana	PROPN
inlawrev-3746	550	6	law	law	PROPN
inlawrev-3746	550	7	review	review	NOUN
inlawrev-3746	551	1	[	[	X
inlawrev-3746	551	2	vol	vol	NOUN
inlawrev-3746	551	3	.	.	PUNCT
inlawrev-3746	551	4	39:87	39:87	NUM
inlawrev-3746	551	5	aside	aside	ADV
inlawrev-3746	551	6	from	from	ADP
inlawrev-3746	551	7	the	the	DET
inlawrev-3746	551	8	external	external	ADJ
inlawrev-3746	551	9	benefits	benefit	NOUN
inlawrev-3746	551	10	homeownership	homeownership	NOUN
inlawrev-3746	551	11	may	may	AUX
inlawrev-3746	551	12	bring	bring	VERB
inlawrev-3746	551	13	,	,	PUNCT
inlawrev-3746	551	14	there	there	PRON
inlawrev-3746	551	15	are	be	VERB
inlawrev-3746	551	16	individual	individual	ADJ
inlawrev-3746	551	17	benefits	benefit	NOUN
inlawrev-3746	551	18	for	for	ADP
inlawrev-3746	551	19	the	the	DET
inlawrev-3746	551	20	owner	owner	NOUN
inlawrev-3746	551	21	and	and	CCONJ
inlawrev-3746	551	22	their	their	PRON
inlawrev-3746	551	23	family	family	NOUN
inlawrev-3746	551	24	.	.	PUNCT
inlawrev-3746	552	1	for	for	ADP
inlawrev-3746	552	2	example	example	NOUN
inlawrev-3746	552	3	,	,	PUNCT
inlawrev-3746	552	4	the	the	DET
inlawrev-3746	552	5	stability	stability	NOUN
inlawrev-3746	552	6	of	of	ADP
inlawrev-3746	552	7	owning	own	VERB
inlawrev-3746	552	8	a	a	DET
inlawrev-3746	552	9	home	home	NOUN
inlawrev-3746	552	10	,	,	PUNCT
inlawrev-3746	552	11	as	as	SCONJ
inlawrev-3746	552	12	opposed	oppose	VERB
inlawrev-3746	552	13	to	to	ADP
inlawrev-3746	552	14	short	short	ADJ
inlawrev-3746	552	15	-	-	PUNCT
inlawrev-3746	552	16	term	term	NOUN
inlawrev-3746	552	17	renting	renting	NOUN
inlawrev-3746	552	18	,	,	PUNCT
inlawrev-3746	552	19	can	can	AUX
inlawrev-3746	552	20	benefit	benefit	VERB
inlawrev-3746	552	21	children	child	NOUN
inlawrev-3746	552	22	.	.	PUNCT
inlawrev-3746	553	1	studies	study	NOUN
inlawrev-3746	553	2	have	have	AUX
inlawrev-3746	553	3	shown	show	VERB
inlawrev-3746	553	4	that	that	SCONJ
inlawrev-3746	553	5	moving	move	VERB
inlawrev-3746	553	6	can	can	AUX
inlawrev-3746	553	7	have	have	VERB
inlawrev-3746	553	8	significant	significant	ADJ
inlawrev-3746	553	9	negative	negative	ADJ
inlawrev-3746	553	10	impacts	impact	NOUN
inlawrev-3746	553	11	on	on	ADP
inlawrev-3746	553	12	student	student	NOUN
inlawrev-3746	553	13	achievement	achievement	NOUN
inlawrev-3746	553	14	.	.	PUNCT
inlawrev-3746	554	1	105	105	NUM
inlawrev-3746	554	2	also	also	ADV
inlawrev-3746	554	3	,	,	PUNCT
inlawrev-3746	554	4	homeowners	homeowner	NOUN
inlawrev-3746	554	5	can	can	AUX
inlawrev-3746	554	6	build	build	VERB
inlawrev-3746	554	7	equity	equity	NOUN
inlawrev-3746	554	8	and	and	CCONJ
inlawrev-3746	554	9	receive	receive	VERB
inlawrev-3746	554	10	returns	return	NOUN
inlawrev-3746	554	11	from	from	ADP
inlawrev-3746	554	12	their	their	PRON
inlawrev-3746	554	13	ownership	ownership	NOUN
inlawrev-3746	554	14	investment	investment	NOUN
inlawrev-3746	554	15	in	in	ADP
inlawrev-3746	554	16	the	the	DET
inlawrev-3746	554	17	form	form	NOUN
inlawrev-3746	554	18	of	of	ADP
inlawrev-3746	554	19	appreciation	appreciation	NOUN
inlawrev-3746	554	20	,	,	PUNCT
inlawrev-3746	554	21	while	while	SCONJ
inlawrev-3746	554	22	renters	renter	NOUN
inlawrev-3746	554	23	instead	instead	ADV
inlawrev-3746	554	24	make	make	VERB
inlawrev-3746	554	25	monthly	monthly	ADJ
inlawrev-3746	554	26	payments	payment	NOUN
inlawrev-3746	554	27	to	to	ADP
inlawrev-3746	554	28	their	their	PRON
inlawrev-3746	554	29	landlords	landlord	NOUN
inlawrev-3746	554	30	that	that	PRON
inlawrev-3746	554	31	are	be	AUX
inlawrev-3746	554	32	never	never	ADV
inlawrev-3746	554	33	recoupable	recoupable	ADJ
inlawrev-3746	554	34	.	.	PUNCT
inlawrev-3746	555	1	in	in	ADP
inlawrev-3746	555	2	addition	addition	NOUN
inlawrev-3746	555	3	to	to	ADP
inlawrev-3746	555	4	the	the	DET
inlawrev-3746	555	5	stability	stability	NOUN
inlawrev-3746	555	6	that	that	PRON
inlawrev-3746	555	7	a	a	DET
inlawrev-3746	555	8	home	home	NOUN
inlawrev-3746	555	9	provides	provide	VERB
inlawrev-3746	555	10	,	,	PUNCT
inlawrev-3746	555	11	this	this	DET
inlawrev-3746	555	12	additional	additional	ADJ
inlawrev-3746	555	13	wealth	wealth	NOUN
inlawrev-3746	555	14	from	from	ADP
inlawrev-3746	555	15	homeownership	homeownership	NOUN
inlawrev-3746	555	16	returns	return	NOUN
inlawrev-3746	555	17	can	can	AUX
inlawrev-3746	555	18	provide	provide	VERB
inlawrev-3746	555	19	better	well	ADJ
inlawrev-3746	555	20	opportunities	opportunity	NOUN
inlawrev-3746	555	21	for	for	ADP
inlawrev-3746	555	22	children	child	NOUN
inlawrev-3746	555	23	as	as	ADV
inlawrev-3746	555	24	well	well	ADV
inlawrev-3746	555	25	.	.	PUNCT
inlawrev-3746	556	1	106	106	NUM
inlawrev-3746	556	2	in	in	ADP
inlawrev-3746	556	3	an	an	DET
inlawrev-3746	556	4	ideal	ideal	ADJ
inlawrev-3746	556	5	world	world	NOUN
inlawrev-3746	556	6	,	,	PUNCT
inlawrev-3746	556	7	every	every	DET
inlawrev-3746	556	8	citizen	citizen	NOUN
inlawrev-3746	556	9	would	would	AUX
inlawrev-3746	556	10	have	have	VERB
inlawrev-3746	556	11	a	a	DET
inlawrev-3746	556	12	home	home	NOUN
inlawrev-3746	556	13	that	that	PRON
inlawrev-3746	556	14	they	they	PRON
inlawrev-3746	556	15	could	could	AUX
inlawrev-3746	556	16	afford	afford	VERB
inlawrev-3746	556	17	and	and	CCONJ
inlawrev-3746	556	18	in	in	ADP
inlawrev-3746	556	19	which	which	PRON
inlawrev-3746	556	20	they	they	PRON
inlawrev-3746	556	21	could	could	AUX
inlawrev-3746	556	22	be	be	AUX
inlawrev-3746	556	23	comfortable	comfortable	ADJ
inlawrev-3746	556	24	.	.	PUNCT
inlawrev-3746	557	1	in	in	ADP
inlawrev-3746	557	2	this	this	DET
inlawrev-3746	557	3	utopian	utopian	ADJ
inlawrev-3746	557	4	society	society	NOUN
inlawrev-3746	557	5	,	,	PUNCT
inlawrev-3746	557	6	people	people	NOUN
inlawrev-3746	557	7	would	would	AUX
inlawrev-3746	557	8	take	take	VERB
inlawrev-3746	557	9	pride	pride	NOUN
inlawrev-3746	557	10	in	in	ADP
inlawrev-3746	557	11	their	their	PRON
inlawrev-3746	557	12	homes	home	NOUN
inlawrev-3746	557	13	and	and	CCONJ
inlawrev-3746	557	14	the	the	DET
inlawrev-3746	557	15	overall	overall	ADJ
inlawrev-3746	557	16	quality	quality	NOUN
inlawrev-3746	557	17	of	of	ADP
inlawrev-3746	557	18	the	the	DET
inlawrev-3746	557	19	community	community	NOUN
inlawrev-3746	557	20	would	would	AUX
inlawrev-3746	557	21	improve	improve	VERB
inlawrev-3746	557	22	.	.	PUNCT
inlawrev-3746	558	1	however	however	ADV
inlawrev-3746	558	2	,	,	PUNCT
inlawrev-3746	558	3	the	the	DET
inlawrev-3746	558	4	housing	housing	NOUN
inlawrev-3746	558	5	market	market	NOUN
inlawrev-3746	558	6	is	be	AUX
inlawrev-3746	558	7	not	not	PART
inlawrev-3746	558	8	perfect	perfect	ADJ
inlawrev-3746	558	9	,	,	PUNCT
inlawrev-3746	558	10	and	and	CCONJ
inlawrev-3746	558	11	there	there	PRON
inlawrev-3746	558	12	are	be	VERB
inlawrev-3746	558	13	many	many	ADJ
inlawrev-3746	558	14	problems	problem	NOUN
inlawrev-3746	558	15	that	that	PRON
inlawrev-3746	558	16	people	people	NOUN
inlawrev-3746	558	17	create	create	VERB
inlawrev-3746	558	18	when	when	SCONJ
inlawrev-3746	558	19	they	they	PRON
inlawrev-3746	558	20	enter	enter	VERB
inlawrev-3746	558	21	the	the	DET
inlawrev-3746	558	22	housing	housing	NOUN
inlawrev-3746	558	23	market	market	NOUN
inlawrev-3746	558	24	with	with	ADP
inlawrev-3746	558	25	inadequate	inadequate	ADJ
inlawrev-3746	558	26	means	mean	NOUN
inlawrev-3746	558	27	.	.	PUNCT
inlawrev-3746	559	1	2	2	X
inlawrev-3746	559	2	.	.	NUM
inlawrev-3746	559	3	disadvantages	disadvantage	NOUN
inlawrev-3746	559	4	of	of	ADP
inlawrev-3746	559	5	high	high	ADJ
inlawrev-3746	559	6	homeownership.—although	homeownership.—although	AUX
inlawrev-3746	559	7	the	the	DET
inlawrev-3746	559	8	benefits	benefit	NOUN
inlawrev-3746	559	9	of	of	ADP
inlawrev-3746	559	10	homeownership	homeownership	NOUN
inlawrev-3746	559	11	all	all	PRON
inlawrev-3746	559	12	have	have	VERB
inlawrev-3746	559	13	merit	merit	NOUN
inlawrev-3746	559	14	,	,	PUNCT
inlawrev-3746	559	15	they	they	PRON
inlawrev-3746	559	16	can	can	AUX
inlawrev-3746	559	17	be	be	AUX
inlawrev-3746	559	18	too	too	ADV
inlawrev-3746	559	19	idealistic	idealistic	ADJ
inlawrev-3746	559	20	in	in	ADP
inlawrev-3746	559	21	a	a	DET
inlawrev-3746	559	22	society	society	NOUN
inlawrev-3746	559	23	where	where	SCONJ
inlawrev-3746	559	24	foreclosure	foreclosure	NOUN
inlawrev-3746	559	25	rates	rate	NOUN
inlawrev-3746	559	26	are	be	AUX
inlawrev-3746	559	27	on	on	ADP
inlawrev-3746	559	28	the	the	DET
inlawrev-3746	559	29	rise	rise	NOUN
inlawrev-3746	559	30	.	.	PUNCT
inlawrev-3746	560	1	the	the	DET
inlawrev-3746	560	2	theory	theory	NOUN
inlawrev-3746	560	3	of	of	ADP
inlawrev-3746	560	4	community	community	NOUN
inlawrev-3746	560	5	improvement	improvement	NOUN
inlawrev-3746	560	6	could	could	AUX
inlawrev-3746	560	7	become	become	VERB
inlawrev-3746	560	8	a	a	DET
inlawrev-3746	560	9	reality	reality	NOUN
inlawrev-3746	560	10	,	,	PUNCT
inlawrev-3746	560	11	but	but	CCONJ
inlawrev-3746	560	12	there	there	PRON
inlawrev-3746	560	13	is	be	VERB
inlawrev-3746	560	14	also	also	ADV
inlawrev-3746	560	15	a	a	DET
inlawrev-3746	560	16	substantial	substantial	ADJ
inlawrev-3746	560	17	risk	risk	NOUN
inlawrev-3746	560	18	that	that	PRON
inlawrev-3746	560	19	increased	increase	VERB
inlawrev-3746	560	20	homeownership	homeownership	NOUN
inlawrev-3746	560	21	will	will	AUX
inlawrev-3746	560	22	create	create	VERB
inlawrev-3746	560	23	more	more	ADJ
inlawrev-3746	560	24	community	community	NOUN
inlawrev-3746	560	25	harm	harm	NOUN
inlawrev-3746	560	26	than	than	ADP
inlawrev-3746	560	27	good	good	ADJ
inlawrev-3746	560	28	.	.	PUNCT
inlawrev-3746	561	1	because	because	SCONJ
inlawrev-3746	561	2	cities	city	NOUN
inlawrev-3746	561	3	across	across	ADP
inlawrev-3746	561	4	the	the	DET
inlawrev-3746	561	5	country	country	NOUN
inlawrev-3746	561	6	have	have	AUX
inlawrev-3746	561	7	already	already	ADV
inlawrev-3746	561	8	been	be	AUX
inlawrev-3746	561	9	built	build	VERB
inlawrev-3746	561	10	-	-	PUNCT
inlawrev-3746	561	11	up	up	NOUN
inlawrev-3746	561	12	and	and	CCONJ
inlawrev-3746	561	13	many	many	ADJ
inlawrev-3746	561	14	low	low	ADJ
inlawrev-3746	561	15	-	-	PUNCT
inlawrev-3746	561	16	cost	cost	NOUN
inlawrev-3746	561	17	homeownership	homeownership	NOUN
inlawrev-3746	561	18	options	option	NOUN
inlawrev-3746	561	19	have	have	AUX
inlawrev-3746	561	20	moved	move	VERB
inlawrev-3746	561	21	to	to	ADP
inlawrev-3746	561	22	outlying	outlying	ADJ
inlawrev-3746	561	23	areas	area	NOUN
inlawrev-3746	561	24	,	,	PUNCT
inlawrev-3746	561	25	suburban	suburban	ADJ
inlawrev-3746	561	26	sprawl	sprawl	NOUN
inlawrev-3746	561	27	has	have	AUX
inlawrev-3746	561	28	created	create	VERB
inlawrev-3746	561	29	real	real	ADJ
inlawrev-3746	561	30	problems	problem	NOUN
inlawrev-3746	561	31	,	,	PUNCT
inlawrev-3746	561	32	both	both	CCONJ
inlawrev-3746	561	33	environmental	environmental	ADJ
inlawrev-3746	561	34	and	and	CCONJ
inlawrev-3746	561	35	social	social	ADJ
inlawrev-3746	561	36	.	.	PUNCT
inlawrev-3746	562	1	107	107	NUM
inlawrev-3746	562	2	suburban	suburban	ADJ
inlawrev-3746	562	3	housing	housing	NOUN
inlawrev-3746	562	4	areas	area	NOUN
inlawrev-3746	562	5	may	may	AUX
inlawrev-3746	562	6	improve	improve	VERB
inlawrev-3746	562	7	community	community	NOUN
inlawrev-3746	562	8	surroundings	surrounding	NOUN
inlawrev-3746	562	9	in	in	ADP
inlawrev-3746	562	10	these	these	DET
inlawrev-3746	562	11	areas	area	NOUN
inlawrev-3746	562	12	,	,	PUNCT
inlawrev-3746	562	13	but	but	CCONJ
inlawrev-3746	562	14	it	it	PRON
inlawrev-3746	562	15	comes	come	VERB
inlawrev-3746	562	16	at	at	ADP
inlawrev-3746	562	17	the	the	DET
inlawrev-3746	562	18	expense	expense	NOUN
inlawrev-3746	562	19	ofthe	ofthe	VERB
inlawrev-3746	562	20	urban	urban	ADJ
inlawrev-3746	562	21	housing	housing	NOUN
inlawrev-3746	562	22	community	community	NOUN
inlawrev-3746	562	23	,	,	PUNCT
inlawrev-3746	562	24	which	which	PRON
inlawrev-3746	562	25	is	be	AUX
inlawrev-3746	562	26	often	often	ADV
inlawrev-3746	562	27	left	leave	VERB
inlawrev-3746	562	28	to	to	ADP
inlawrev-3746	562	29	the	the	DET
inlawrev-3746	562	30	poor	poor	ADJ
inlawrev-3746	562	31	.	.	PUNCT
inlawrev-3746	563	1	108	108	NUM
inlawrev-3746	563	2	in	in	ADP
inlawrev-3746	563	3	the	the	DET
inlawrev-3746	563	4	communities	community	NOUN
inlawrev-3746	563	5	where	where	SCONJ
inlawrev-3746	563	6	new	new	ADJ
inlawrev-3746	563	7	homeownership	homeownership	NOUN
inlawrev-3746	563	8	is	be	AUX
inlawrev-3746	563	9	thriving	thrive	VERB
inlawrev-3746	563	10	,	,	PUNCT
inlawrev-3746	563	11	unmanageably	unmanageably	ADV
inlawrev-3746	563	12	high	high	ADJ
inlawrev-3746	563	13	homeownership	homeownership	NOUN
inlawrev-3746	563	14	rates	rate	NOUN
inlawrev-3746	563	15	may	may	AUX
inlawrev-3746	563	16	also	also	ADV
inlawrev-3746	563	17	have	have	VERB
inlawrev-3746	563	18	negative	negative	ADJ
inlawrev-3746	563	19	impacts	impact	NOUN
inlawrev-3746	563	20	because	because	SCONJ
inlawrev-3746	563	21	of	of	ADP
inlawrev-3746	563	22	the	the	DET
inlawrev-3746	563	23	threat	threat	NOUN
inlawrev-3746	563	24	of	of	ADP
inlawrev-3746	563	25	foreclosure	foreclosure	NOUN
inlawrev-3746	563	26	.	.	PUNCT
inlawrev-3746	564	1	foreclosures	foreclosure	NOUN
inlawrev-3746	564	2	,	,	PUNCT
inlawrev-3746	564	3	whether	whether	SCONJ
inlawrev-3746	564	4	judicial	judicial	ADJ
inlawrev-3746	564	5	or	or	CCONJ
inlawrev-3746	564	6	nonjudicial	nonjudicial	ADJ
inlawrev-3746	564	7	,	,	PUNCT
inlawrev-3746	564	8	have	have	VERB
inlawrev-3746	564	9	the	the	DET
inlawrev-3746	564	10	effect	effect	NOUN
inlawrev-3746	564	11	of	of	ADP
inlawrev-3746	564	12	decreasing	decrease	VERB
inlawrev-3746	564	13	surrounding	surround	VERB
inlawrev-3746	564	14	property	property	NOUN
inlawrev-3746	564	15	values	value	NOUN
inlawrev-3746	564	16	.	.	PUNCT
inlawrev-3746	565	1	in	in	ADP
inlawrev-3746	565	2	addition	addition	NOUN
inlawrev-3746	565	3	,	,	PUNCT
inlawrev-3746	565	4	foreclosures	foreclosure	NOUN
inlawrev-3746	565	5	may	may	AUX
inlawrev-3746	565	6	lead	lead	VERB
inlawrev-3746	565	7	to	to	ADP
inlawrev-3746	565	8	abandoned	abandon	VERB
inlawrev-3746	565	9	properties	property	NOUN
inlawrev-3746	565	10	during	during	ADP
inlawrev-3746	565	11	the	the	DET
inlawrev-3746	565	12	lengthy	lengthy	ADJ
inlawrev-3746	565	13	foreclosure	foreclosure	NOUN
inlawrev-3746	565	14	process	process	NOUN
inlawrev-3746	565	15	,	,	PUNCT
inlawrev-3746	565	16	causing	cause	VERB
inlawrev-3746	565	17	deterioration	deterioration	NOUN
inlawrev-3746	565	18	in	in	ADP
inlawrev-3746	565	19	the	the	DET
inlawrev-3746	565	20	structural	structural	ADJ
inlawrev-3746	565	21	and	and	CCONJ
inlawrev-3746	565	22	aesthetic	aesthetic	ADJ
inlawrev-3746	565	23	quality	quality	NOUN
inlawrev-3746	565	24	in	in	ADP
inlawrev-3746	565	25	the	the	DET
inlawrev-3746	565	26	area	area	NOUN
inlawrev-3746	565	27	.	.	PUNCT
inlawrev-3746	566	1	from	from	ADP
inlawrev-3746	566	2	an	an	DET
inlawrev-3746	566	3	individual	individual	ADJ
inlawrev-3746	566	4	perspective	perspective	NOUN
inlawrev-3746	566	5	,	,	PUNCT
inlawrev-3746	566	6	owners	owner	NOUN
inlawrev-3746	566	7	have	have	AUX
inlawrev-3746	566	8	been	be	AUX
inlawrev-3746	566	9	increasingly	increasingly	ADV
inlawrev-3746	566	10	unable	unable	ADJ
inlawrev-3746	566	11	to	to	PART
inlawrev-3746	566	12	build	build	VERB
inlawrev-3746	566	13	equity	equity	NOUN
inlawrev-3746	566	14	in	in	ADP
inlawrev-3746	566	15	their	their	PRON
inlawrev-3746	566	16	homes	home	NOUN
inlawrev-3746	566	17	,	,	PUNCT
inlawrev-3746	566	18	and	and	CCONJ
inlawrev-3746	566	19	studies	study	NOUN
inlawrev-3746	566	20	have	have	AUX
inlawrev-3746	566	21	shown	show	VERB
inlawrev-3746	566	22	that	that	SCONJ
inlawrev-3746	566	23	homeownership	homeownership	NOUN
inlawrev-3746	566	24	is	be	AUX
inlawrev-3746	566	25	not	not	PART
inlawrev-3746	566	26	the	the	DET
inlawrev-3746	566	27	most	most	ADV
inlawrev-3746	566	28	reliable	reliable	ADJ
inlawrev-3746	566	29	means	mean	NOUN
inlawrev-3746	566	30	of	of	ADP
inlawrev-3746	566	31	building	build	VERB
inlawrev-3746	566	32	wealth	wealth	NOUN
inlawrev-3746	566	33	for	for	ADP
inlawrev-3746	566	34	low	low	ADJ
inlawrev-3746	566	35	-	-	PUNCT
inlawrev-3746	566	36	income	income	NOUN
inlawrev-3746	566	37	families	family	NOUN
inlawrev-3746	566	38	.	.	PUNCT
inlawrev-3746	567	1	instead	instead	ADV
inlawrev-3746	567	2	,	,	PUNCT
inlawrev-3746	567	3	chi	chi	PROPN
inlawrev-3746	567	4	.	.	PUNCT
inlawrev-3746	567	5	,	,	PUNCT
inlawrev-3746	567	6	research	research	NOUN
inlawrev-3746	567	7	dep't	dep't	NOUN
inlawrev-3746	567	8	,	,	PUNCT
inlawrev-3746	567	9	working	working	NOUN
inlawrev-3746	567	10	papers	paper	NOUN
inlawrev-3746	567	11	series	series	NOUN
inlawrev-3746	567	12	,	,	PUNCT
inlawrev-3746	567	13	wp	wp	PROPN
inlawrev-3746	567	14	99	99	NUM
inlawrev-3746	567	15	-	-	SYM
inlawrev-3746	567	16	23	23	NUM
inlawrev-3746	567	17	,	,	PUNCT
inlawrev-3746	567	18	1999	1999	NUM
inlawrev-3746	567	19	)	)	PUNCT
inlawrev-3746	567	20	,	,	PUNCT
inlawrev-3746	567	21	available	available	ADJ
inlawrev-3746	567	22	at	at	ADP
inlawrev-3746	567	23	http://www	http://www	PROPN
inlawrev-3746	567	24	.	.	PUNCT
inlawrev-3746	568	1	chicagofed.org/publications/workingpapers/papers/wp99_23.pdf	chicagofed.org/publications/workingpapers/papers/wp99_23.pdf	PROPN
inlawrev-3746	568	2	.	.	NOUN
inlawrev-3746	569	1	105	105	NUM
inlawrev-3746	569	2	.	.	PUNCT
inlawrev-3746	570	1	i	i	PRON
inlawrev-3746	570	2	d.	d.	PROPN
inlawrev-3746	570	3	at	at	ADP
inlawrev-3746	570	4	3	3	NUM
inlawrev-3746	570	5	.	.	NOUN
inlawrev-3746	570	6	106	106	NUM
inlawrev-3746	570	7	.	.	PUNCT
inlawrev-3746	571	1	i	i	PRON
inlawrev-3746	571	2	d.	d.	PROPN
inlawrev-3746	571	3	at	at	ADP
inlawrev-3746	571	4	8	8	NUM
inlawrev-3746	571	5	.	.	PUNCT
inlawrev-3746	571	6	107	107	NUM
inlawrev-3746	571	7	.	.	PUNCT
inlawrev-3746	572	1	michael	michael	PROPN
inlawrev-3746	572	2	lewyn	lewyn	PROPN
inlawrev-3746	572	3	,	,	PUNCT
inlawrev-3746	572	4	suburban	suburban	ADJ
inlawrev-3746	572	5	sprawl	sprawl	NOUN
inlawrev-3746	572	6	:	:	PUNCT
inlawrev-3746	572	7	not	not	PART
inlawrev-3746	572	8	just	just	ADV
inlawrev-3746	572	9	an	an	DET
inlawrev-3746	572	10	environmental	environmental	ADJ
inlawrev-3746	572	11	issue	issue	NOUN
inlawrev-3746	572	12	,	,	PUNCT
inlawrev-3746	572	13	84	84	NUM
inlawrev-3746	572	14	marq	marq	NOUN
inlawrev-3746	572	15	.	.	PUNCT
inlawrev-3746	573	1	l.	l.	PROPN
inlawrev-3746	573	2	rev	rev	PROPN
inlawrev-3746	573	3	.	.	PROPN
inlawrev-3746	573	4	301	301	NUM
inlawrev-3746	573	5	,	,	PUNCT
inlawrev-3746	573	6	301	301	NUM
inlawrev-3746	573	7	-	-	SYM
inlawrev-3746	573	8	03	03	NUM
inlawrev-3746	573	9	(	(	PUNCT
inlawrev-3746	573	10	2000	2000	NUM
inlawrev-3746	573	11	)	)	PUNCT
inlawrev-3746	573	12	.	.	PUNCT
inlawrev-3746	574	1	suburban	suburban	ADJ
inlawrev-3746	574	2	sprawl	sprawl	NOUN
inlawrev-3746	574	3	is	be	AUX
inlawrev-3746	574	4	"	"	PUNCT
inlawrev-3746	574	5	the	the	DET
inlawrev-3746	574	6	movement	movement	NOUN
inlawrev-3746	574	7	of	of	ADP
inlawrev-3746	574	8	people	people	NOUN
inlawrev-3746	574	9	.	.	PUNCT
inlawrev-3746	574	10	.	.	PUNCT
inlawrev-3746	574	11	.	.	PUNCT
inlawrev-3746	575	1	and	and	CCONJ
inlawrev-3746	575	2	jobs	job	NOUN
inlawrev-3746	575	3	from	from	ADP
inlawrev-3746	575	4	older	old	ADJ
inlawrev-3746	575	5	urban	urban	ADJ
inlawrev-3746	575	6	cores	core	NOUN
inlawrev-3746	575	7	to	to	ADP
inlawrev-3746	575	8	newer	new	ADJ
inlawrev-3746	575	9	,	,	PUNCT
inlawrev-3746	575	10	less	less	ADV
inlawrev-3746	575	11	densely	densely	ADV
inlawrev-3746	575	12	populated	populated	ADJ
inlawrev-3746	575	13	.	.	PUNCT
inlawrev-3746	575	14	.	.	PUNCT
inlawrev-3746	575	15	.	.	PUNCT
inlawrev-3746	576	1	communities	community	NOUN
inlawrev-3746	576	2	generally	generally	ADV
inlawrev-3746	576	3	referred	refer	VERB
inlawrev-3746	576	4	to	to	ADP
inlawrev-3746	576	5	as	as	ADP
inlawrev-3746	576	6	suburbs	suburb	NOUN
inlawrev-3746	576	7	.	.	PUNCT
inlawrev-3746	576	8	"	"	PUNCT
inlawrev-3746	577	1	i	i	PRON
inlawrev-3746	577	2	d.	d.	PROPN
inlawrev-3746	577	3	at	at	ADP
inlawrev-3746	577	4	301	301	NUM
inlawrev-3746	577	5	.	.	PROPN
inlawrev-3746	577	6	1	1	NUM
inlawrev-3746	577	7	08	08	NUM
inlawrev-3746	577	8	.	.	PUNCT
inlawrev-3746	578	1	i	i	PRON
inlawrev-3746	578	2	d.	d.	PROPN
inlawrev-3746	578	3	at	at	ADP
inlawrev-3746	578	4	30512	30512	NUM
inlawrev-3746	578	5	.	.	PUNCT
inlawrev-3746	579	1	congress	congress	PROPN
inlawrev-3746	579	2	has	have	AUX
inlawrev-3746	579	3	expressed	express	VERB
inlawrev-3746	579	4	concern	concern	NOUN
inlawrev-3746	579	5	over	over	ADP
inlawrev-3746	579	6	these	these	DET
inlawrev-3746	579	7	trends	trend	NOUN
inlawrev-3746	579	8	through	through	ADP
inlawrev-3746	579	9	the	the	DET
inlawrev-3746	579	10	housing	housing	NOUN
inlawrev-3746	579	11	and	and	CCONJ
inlawrev-3746	579	12	community	community	NOUN
inlawrev-3746	579	13	development	development	NOUN
inlawrev-3746	579	14	act	act	NOUN
inlawrev-3746	579	15	of	of	ADP
inlawrev-3746	579	16	1974	1974	NUM
inlawrev-3746	579	17	,	,	PUNCT
inlawrev-3746	579	18	42	42	NUM
inlawrev-3746	579	19	u.s.c	u.s.c	ADJ
inlawrev-3746	579	20	.	.	PUNCT
inlawrev-3746	580	1	§	§	PROPN
inlawrev-3746	580	2	5301	5301	NUM
inlawrev-3746	580	3	(	(	PUNCT
inlawrev-3746	580	4	2000	2000	NUM
inlawrev-3746	580	5	)	)	PUNCT
inlawrev-3746	580	6	,	,	PUNCT
inlawrev-3746	580	7	which	which	PRON
inlawrev-3746	580	8	aims	aim	VERB
inlawrev-3746	580	9	to	to	PART
inlawrev-3746	580	10	encourage	encourage	VERB
inlawrev-3746	580	11	investment	investment	NOUN
inlawrev-3746	580	12	in	in	ADP
inlawrev-3746	580	13	housing	housing	NOUN
inlawrev-3746	580	14	for	for	ADP
inlawrev-3746	580	15	blighted	blight	VERB
inlawrev-3746	580	16	urban	urban	ADJ
inlawrev-3746	580	17	neighborhoods	neighborhood	NOUN
inlawrev-3746	580	18	.	.	PUNCT
inlawrev-3746	581	1	people	people	NOUN
inlawrev-3746	581	2	's	's	PART
inlawrev-3746	581	3	hous	hous	ADJ
inlawrev-3746	581	4	.	.	PUNCT
inlawrev-3746	582	1	dev	dev	PROPN
inlawrev-3746	582	2	.	.	PROPN
inlawrev-3746	582	3	corp	corp	PROPN
inlawrev-3746	582	4	.	.	PROPN
inlawrev-3746	582	5	v.	v.	ADP
inlawrev-3746	582	6	city	city	PROPN
inlawrev-3746	582	7	of	of	ADP
inlawrev-3746	582	8	poughkeepsie	poughkeepsie	PROPN
inlawrev-3746	582	9	,	,	PUNCT
inlawrev-3746	582	10	425	425	NUM
inlawrev-3746	582	11	f.	f.	PROPN
inlawrev-3746	582	12	supp	supp	PROPN
inlawrev-3746	582	13	.	.	PUNCT
inlawrev-3746	583	1	482	482	NUM
inlawrev-3746	583	2	,	,	PUNCT
inlawrev-3746	583	3	484	484	NUM
inlawrev-3746	583	4	(	(	PUNCT
inlawrev-3746	583	5	s.d.n.y	s.d.n.y	PROPN
inlawrev-3746	583	6	.	.	PROPN
inlawrev-3746	583	7	1976	1976	NUM
inlawrev-3746	583	8	)	)	PUNCT
inlawrev-3746	583	9	.	.	PUNCT
inlawrev-3746	584	1	2005	2005	NUM
inlawrev-3746	584	2	]	]	PUNCT
inlawrev-3746	584	3	hoosier	hoosier	NOUN
inlawrev-3746	584	4	inhospitality	inhospitality	NOUN
inlawrev-3746	584	5	105	105	NUM
inlawrev-3746	584	6	other	other	ADJ
inlawrev-3746	584	7	assets	asset	NOUN
inlawrev-3746	584	8	such	such	ADJ
inlawrev-3746	584	9	as	as	ADP
inlawrev-3746	584	10	stocks	stock	NOUN
inlawrev-3746	584	11	tend	tend	VERB
inlawrev-3746	584	12	to	to	PART
inlawrev-3746	584	13	increase	increase	VERB
inlawrev-3746	584	14	wealth	wealth	NOUN
inlawrev-3746	584	15	more	more	ADV
inlawrev-3746	584	16	safely	safely	ADV
inlawrev-3746	584	17	and	and	CCONJ
inlawrev-3746	584	18	effectively	effectively	ADV
inlawrev-3746	584	19	,	,	PUNCT
inlawrev-3746	584	20	even	even	ADV
inlawrev-3746	584	21	when	when	SCONJ
inlawrev-3746	584	22	appreciation	appreciation	NOUN
inlawrev-3746	584	23	for	for	ADP
inlawrev-3746	584	24	homes	home	NOUN
inlawrev-3746	584	25	is	be	AUX
inlawrev-3746	584	26	at	at	ADP
inlawrev-3746	584	27	its	its	PRON
inlawrev-3746	584	28	peak	peak	NOUN
inlawrev-3746	584	29	.	.	PUNCT
inlawrev-3746	585	1	109	109	NUM
inlawrev-3746	585	2	this	this	DET
inlawrev-3746	585	3	inability	inability	NOUN
inlawrev-3746	585	4	to	to	PART
inlawrev-3746	585	5	build	build	VERB
inlawrev-3746	585	6	equity	equity	NOUN
inlawrev-3746	585	7	is	be	AUX
inlawrev-3746	585	8	also	also	ADV
inlawrev-3746	585	9	a	a	DET
inlawrev-3746	585	10	result	result	NOUN
inlawrev-3746	585	11	of	of	ADP
inlawrev-3746	585	12	owners	owner	NOUN
inlawrev-3746	585	13	borrowing	borrow	VERB
inlawrev-3746	585	14	against	against	ADP
inlawrev-3746	585	15	their	their	PRON
inlawrev-3746	585	16	equity	equity	NOUN
inlawrev-3746	585	17	to	to	PART
inlawrev-3746	585	18	pay	pay	VERB
inlawrev-3746	585	19	the	the	DET
inlawrev-3746	585	20	bills	bill	NOUN
inlawrev-3746	585	21	that	that	PRON
inlawrev-3746	585	22	homeownership	homeownership	NOUN
inlawrev-3746	585	23	has	have	AUX
inlawrev-3746	585	24	created	create	VERB
inlawrev-3746	585	25	for	for	ADP
inlawrev-3746	585	26	them	they	PRON
inlawrev-3746	585	27	.	.	PUNCT
inlawrev-3746	586	1	110	110	NUM
inlawrev-3746	586	2	furthermore	furthermore	ADV
inlawrev-3746	586	3	,	,	PUNCT
inlawrev-3746	586	4	the	the	DET
inlawrev-3746	586	5	tax	tax	NOUN
inlawrev-3746	586	6	advantages	advantage	NOUN
inlawrev-3746	586	7	that	that	PRON
inlawrev-3746	586	8	homeownership	homeownership	NOUN
inlawrev-3746	586	9	can	can	AUX
inlawrev-3746	586	10	provide	provide	VERB
inlawrev-3746	586	11	do	do	AUX
inlawrev-3746	586	12	not	not	PART
inlawrev-3746	586	13	always	always	ADV
inlawrev-3746	586	14	benefit	benefit	VERB
inlawrev-3746	586	15	low	low	ADJ
inlawrev-3746	586	16	-	-	PUNCT
inlawrev-3746	586	17	income	income	NOUN
inlawrev-3746	586	18	families	family	NOUN
inlawrev-3746	586	19	as	as	ADV
inlawrev-3746	586	20	much	much	ADV
inlawrev-3746	586	21	as	as	ADP
inlawrev-3746	586	22	established	establish	VERB
inlawrev-3746	586	23	homeowners	homeowner	NOUN
inlawrev-3746	586	24	.	.	PUNCT
inlawrev-3746	587	1	111	111	NUM
inlawrev-3746	587	2	even	even	ADV
inlawrev-3746	587	3	in	in	ADP
inlawrev-3746	587	4	the	the	DET
inlawrev-3746	587	5	utopia	utopia	NOUN
inlawrev-3746	587	6	where	where	SCONJ
inlawrev-3746	587	7	homeowners	homeowner	NOUN
inlawrev-3746	587	8	are	be	AUX
inlawrev-3746	587	9	able	able	ADJ
inlawrev-3746	587	10	to	to	PART
inlawrev-3746	587	11	maintain	maintain	VERB
inlawrev-3746	587	12	equity	equity	NOUN
inlawrev-3746	587	13	in	in	ADP
inlawrev-3746	587	14	their	their	PRON
inlawrev-3746	587	15	homes	home	NOUN
inlawrev-3746	587	16	,	,	PUNCT
inlawrev-3746	587	17	generate	generate	VERB
inlawrev-3746	587	18	wealth	wealth	NOUN
inlawrev-3746	587	19	,	,	PUNCT
inlawrev-3746	587	20	and	and	CCONJ
inlawrev-3746	587	21	contribute	contribute	VERB
inlawrev-3746	587	22	to	to	ADP
inlawrev-3746	587	23	the	the	DET
inlawrev-3746	587	24	community	community	NOUN
inlawrev-3746	587	25	,	,	PUNCT
inlawrev-3746	587	26	there	there	PRON
inlawrev-3746	587	27	are	be	VERB
inlawrev-3746	587	28	concerns	concern	NOUN
inlawrev-3746	587	29	that	that	SCONJ
inlawrev-3746	587	30	homeownership	homeownership	NOUN
inlawrev-3746	587	31	still	still	ADV
inlawrev-3746	587	32	may	may	AUX
inlawrev-3746	587	33	not	not	PART
inlawrev-3746	587	34	be	be	AUX
inlawrev-3746	587	35	ideal	ideal	ADJ
inlawrev-3746	587	36	.	.	PUNCT
inlawrev-3746	588	1	the	the	DET
inlawrev-3746	588	2	increased	increase	VERB
inlawrev-3746	588	3	time	time	NOUN
inlawrev-3746	588	4	and	and	CCONJ
inlawrev-3746	588	5	money	money	NOUN
inlawrev-3746	588	6	that	that	PRON
inlawrev-3746	588	7	is	be	AUX
inlawrev-3746	588	8	given	give	VERB
inlawrev-3746	588	9	to	to	ADP
inlawrev-3746	588	10	improving	improve	VERB
inlawrev-3746	588	11	the	the	DET
inlawrev-3746	588	12	community	community	NOUN
inlawrev-3746	588	13	may	may	AUX
inlawrev-3746	588	14	actually	actually	ADV
inlawrev-3746	588	15	be	be	AUX
inlawrev-3746	588	16	less	less	ADV
inlawrev-3746	588	17	helpful	helpful	ADJ
inlawrev-3746	588	18	than	than	ADP
inlawrev-3746	588	19	any	any	DET
inlawrev-3746	588	20	direct	direct	ADJ
inlawrev-3746	588	21	payoff	payoff	NOUN
inlawrev-3746	588	22	that	that	PRON
inlawrev-3746	588	23	is	be	AUX
inlawrev-3746	588	24	made	make	VERB
inlawrev-3746	588	25	to	to	ADP
inlawrev-3746	588	26	a	a	DET
inlawrev-3746	588	27	homeowner	homeowner	NOUN
inlawrev-3746	588	28	's	's	PART
inlawrev-3746	588	29	family	family	NOUN
inlawrev-3746	588	30	,	,	PUNCT
inlawrev-3746	588	31	including	include	VERB
inlawrev-3746	588	32	children	child	NOUN
inlawrev-3746	588	33	.	.	PUNCT
inlawrev-3746	589	1	112	112	NUM
inlawrev-3746	589	2	while	while	SCONJ
inlawrev-3746	589	3	the	the	DET
inlawrev-3746	589	4	increase	increase	NOUN
inlawrev-3746	589	5	in	in	ADP
inlawrev-3746	589	6	homeownership	homeownership	NOUN
inlawrev-3746	589	7	rates	rate	NOUN
inlawrev-3746	589	8	is	be	AUX
inlawrev-3746	589	9	commendable	commendable	ADJ
inlawrev-3746	589	10	,	,	PUNCT
inlawrev-3746	589	11	it	it	PRON
inlawrev-3746	589	12	is	be	AUX
inlawrev-3746	589	13	possible	possible	ADJ
inlawrev-3746	589	14	that	that	SCONJ
inlawrev-3746	589	15	we	we	PRON
inlawrev-3746	589	16	have	have	AUX
inlawrev-3746	589	17	reached	reach	VERB
inlawrev-3746	589	18	a	a	DET
inlawrev-3746	589	19	point	point	NOUN
inlawrev-3746	589	20	of	of	ADP
inlawrev-3746	589	21	diminishing	diminish	VERB
inlawrev-3746	589	22	returns	return	NOUN
inlawrev-3746	589	23	where	where	SCONJ
inlawrev-3746	589	24	the	the	DET
inlawrev-3746	589	25	addition	addition	NOUN
inlawrev-3746	589	26	of	of	ADP
inlawrev-3746	589	27	more	more	ADJ
inlawrev-3746	589	28	owners	owner	NOUN
inlawrev-3746	589	29	will	will	AUX
inlawrev-3746	589	30	only	only	ADV
inlawrev-3746	589	31	cause	cause	VERB
inlawrev-3746	589	32	more	more	ADJ
inlawrev-3746	589	33	problems	problem	NOUN
inlawrev-3746	589	34	in	in	ADP
inlawrev-3746	589	35	foreclosure	foreclosure	NOUN
inlawrev-3746	589	36	and	and	CCONJ
inlawrev-3746	589	37	the	the	DET
inlawrev-3746	589	38	abandonment	abandonment	NOUN
inlawrev-3746	589	39	of	of	ADP
inlawrev-3746	589	40	more	more	ADJ
inlawrev-3746	589	41	homes	home	NOUN
inlawrev-3746	589	42	.	.	PUNCT
inlawrev-3746	590	1	b.	b.	PROPN
inlawrev-3746	590	2	changes	change	NOUN
inlawrev-3746	590	3	to	to	ADP
inlawrev-3746	590	4	indiana	indiana	PROPN
inlawrev-3746	590	5	foreclosure	foreclosure	PROPN
inlawrev-3746	590	6	laws	law	NOUN
inlawrev-3746	590	7	foreclosure	foreclosure	NOUN
inlawrev-3746	590	8	laws	law	NOUN
inlawrev-3746	590	9	across	across	ADP
inlawrev-3746	590	10	the	the	DET
inlawrev-3746	590	11	united	united	PROPN
inlawrev-3746	590	12	states	state	NOUN
inlawrev-3746	590	13	are	be	AUX
inlawrev-3746	590	14	fragmented	fragment	VERB
inlawrev-3746	590	15	.	.	PUNCT
inlawrev-3746	591	1	although	although	SCONJ
inlawrev-3746	591	2	past	past	ADJ
inlawrev-3746	591	3	proposals	proposal	NOUN
inlawrev-3746	591	4	attempted	attempt	VERB
inlawrev-3746	591	5	to	to	PART
inlawrev-3746	591	6	create	create	VERB
inlawrev-3746	591	7	uniform	uniform	ADJ
inlawrev-3746	591	8	national	national	ADJ
inlawrev-3746	591	9	foreclosure	foreclosure	NOUN
inlawrev-3746	591	10	laws	law	NOUN
inlawrev-3746	591	11	,	,	PUNCT
inlawrev-3746	591	12	113	113	NUM
inlawrev-3746	591	13	a	a	DET
inlawrev-3746	591	14	system	system	NOUN
inlawrev-3746	591	15	for	for	ADP
inlawrev-3746	591	16	which	which	PRON
inlawrev-3746	591	17	there	there	PRON
inlawrev-3746	591	18	are	be	VERB
inlawrev-3746	591	19	many	many	ADJ
inlawrev-3746	591	20	proponents	proponent	NOUN
inlawrev-3746	591	21	,	,	PUNCT
inlawrev-3746	591	22	114	114	NUM
inlawrev-3746	591	23	states	state	NOUN
inlawrev-3746	591	24	remain	remain	VERB
inlawrev-3746	591	25	free	free	ADJ
inlawrev-3746	591	26	to	to	PART
inlawrev-3746	591	27	make	make	VERB
inlawrev-3746	591	28	independent	independent	ADJ
inlawrev-3746	591	29	decisions	decision	NOUN
inlawrev-3746	591	30	in	in	ADP
inlawrev-3746	591	31	this	this	DET
inlawrev-3746	591	32	area	area	NOUN
inlawrev-3746	591	33	.	.	PUNCT
inlawrev-3746	592	1	while	while	SCONJ
inlawrev-3746	592	2	the	the	DET
inlawrev-3746	592	3	continued	continue	VERB
inlawrev-3746	592	4	pursuit	pursuit	NOUN
inlawrev-3746	592	5	ofa	ofa	PROPN
inlawrev-3746	592	6	universal	universal	ADJ
inlawrev-3746	592	7	system	system	NOUN
inlawrev-3746	592	8	is	be	AUX
inlawrev-3746	592	9	noble	noble	ADJ
inlawrev-3746	592	10	,	,	PUNCT
inlawrev-3746	592	11	statutory	statutory	ADJ
inlawrev-3746	592	12	reform	reform	NOUN
inlawrev-3746	592	13	by	by	ADP
inlawrev-3746	592	14	individual	individual	ADJ
inlawrev-3746	592	15	states	state	NOUN
inlawrev-3746	592	16	is	be	AUX
inlawrev-3746	592	17	the	the	DET
inlawrev-3746	592	18	immediate	immediate	ADJ
inlawrev-3746	592	19	cure	cure	NOUN
inlawrev-3746	592	20	for	for	ADP
inlawrev-3746	592	21	increased	increase	VERB
inlawrev-3746	592	22	foreclosure	foreclosure	NOUN
inlawrev-3746	592	23	rates	rate	NOUN
inlawrev-3746	592	24	.	.	PUNCT
inlawrev-3746	593	1	because	because	SCONJ
inlawrev-3746	593	2	mortgage	mortgage	NOUN
inlawrev-3746	593	3	and	and	CCONJ
inlawrev-3746	593	4	foreclosure	foreclosure	NOUN
inlawrev-3746	593	5	law	law	NOUN
inlawrev-3746	593	6	is	be	AUX
inlawrev-3746	593	7	established	establish	VERB
inlawrev-3746	593	8	on	on	ADP
inlawrev-3746	593	9	the	the	DET
inlawrev-3746	593	10	state	state	NOUN
inlawrev-3746	593	11	level	level	NOUN
inlawrev-3746	593	12	,	,	PUNCT
inlawrev-3746	593	13	indiana	indiana	PROPN
inlawrev-3746	593	14	has	have	VERB
inlawrev-3746	593	15	additional	additional	ADJ
inlawrev-3746	593	16	onus	onus	NOUN
inlawrev-3746	593	17	to	to	PART
inlawrev-3746	593	18	create	create	VERB
inlawrev-3746	593	19	laws	law	NOUN
inlawrev-3746	593	20	amicable	amicable	ADJ
inlawrev-3746	593	21	to	to	ADP
inlawrev-3746	593	22	the	the	DET
inlawrev-3746	593	23	welfare	welfare	NOUN
inlawrev-3746	593	24	of	of	ADP
inlawrev-3746	593	25	its	its	PRON
inlawrev-3746	593	26	citizens	citizen	NOUN
inlawrev-3746	593	27	.	.	PUNCT
inlawrev-3746	594	1	currently	currently	ADV
inlawrev-3746	594	2	,	,	PUNCT
inlawrev-3746	594	3	indiana	indiana	PROPN
inlawrev-3746	594	4	's	's	PART
inlawrev-3746	594	5	foreclosure	foreclosure	NOUN
inlawrev-3746	594	6	laws	law	NOUN
inlawrev-3746	594	7	are	be	AUX
inlawrev-3746	594	8	structured	structure	VERB
inlawrev-3746	594	9	in	in	ADP
inlawrev-3746	594	10	a	a	DET
inlawrev-3746	594	11	way	way	NOUN
inlawrev-3746	594	12	that	that	PRON
inlawrev-3746	594	13	keep	keep	VERB
inlawrev-3746	594	14	the	the	DET
inlawrev-3746	594	15	state	state	NOUN
inlawrev-3746	594	16	's	's	PART
inlawrev-3746	594	17	foreclosure	foreclosure	NOUN
inlawrev-3746	594	18	rates	rate	NOUN
inlawrev-3746	594	19	among	among	ADP
inlawrev-3746	594	20	the	the	DET
inlawrev-3746	594	21	highest	high	ADJ
inlawrev-3746	594	22	in	in	ADP
inlawrev-3746	594	23	the	the	DET
inlawrev-3746	594	24	nation	nation	NOUN
inlawrev-3746	594	25	.	.	PUNCT
inlawrev-3746	595	1	115	115	NUM
inlawrev-3746	595	2	to	to	PART
inlawrev-3746	595	3	remedy	remedy	VERB
inlawrev-3746	595	4	this	this	DET
inlawrev-3746	595	5	problem	problem	NOUN
inlawrev-3746	595	6	,	,	PUNCT
inlawrev-3746	595	7	indiana	indiana	PROPN
inlawrev-3746	595	8	should	should	AUX
inlawrev-3746	595	9	adopt	adopt	VERB
inlawrev-3746	595	10	a	a	DET
inlawrev-3746	595	11	nonjudicial	nonjudicial	ADJ
inlawrev-3746	595	12	foreclosure	foreclosure	NOUN
inlawrev-3746	595	13	system	system	NOUN
inlawrev-3746	595	14	in	in	ADP
inlawrev-3746	595	15	addition	addition	NOUN
inlawrev-3746	595	16	to	to	ADP
inlawrev-3746	595	17	its	its	PRON
inlawrev-3746	595	18	common	common	ADJ
inlawrev-3746	595	19	1	1	NUM
inlawrev-3746	595	20	09	09	NUM
inlawrev-3746	595	21	.	.	PUNCT
inlawrev-3746	596	1	coy	coy	ADJ
inlawrev-3746	596	2	,	,	PUNCT
inlawrev-3746	596	3	supra	supra	ADJ
inlawrev-3746	596	4	note	note	NOUN
inlawrev-3746	596	5	1	1	NUM
inlawrev-3746	596	6	03	03	NUM
inlawrev-3746	596	7	,	,	PUNCT
inlawrev-3746	596	8	at	at	ADP
inlawrev-3746	596	9	68	68	NUM
inlawrev-3746	596	10	.	.	PUNCT
inlawrev-3746	597	1	in	in	ADP
inlawrev-3746	597	2	states	state	NOUN
inlawrev-3746	597	3	like	like	ADP
inlawrev-3746	597	4	indiana	indiana	PROPN
inlawrev-3746	597	5	where	where	SCONJ
inlawrev-3746	597	6	there	there	PRON
inlawrev-3746	597	7	has	have	AUX
inlawrev-3746	597	8	been	be	AUX
inlawrev-3746	597	9	a	a	DET
inlawrev-3746	597	10	massive	massive	ADJ
inlawrev-3746	597	11	amount	amount	NOUN
inlawrev-3746	597	12	of	of	ADP
inlawrev-3746	597	13	new	new	ADJ
inlawrev-3746	597	14	housing	housing	NOUN
inlawrev-3746	597	15	being	be	AUX
inlawrev-3746	597	16	built	build	VERB
inlawrev-3746	597	17	and	and	CCONJ
inlawrev-3746	597	18	widespread	widespread	ADJ
inlawrev-3746	597	19	foreclosures	foreclosure	NOUN
inlawrev-3746	597	20	have	have	AUX
inlawrev-3746	597	21	decreased	decrease	VERB
inlawrev-3746	597	22	property	property	NOUN
inlawrev-3746	597	23	values	value	NOUN
inlawrev-3746	597	24	,	,	PUNCT
inlawrev-3746	597	25	appreciation	appreciation	NOUN
inlawrev-3746	597	26	rates	rate	NOUN
inlawrev-3746	597	27	are	be	AUX
inlawrev-3746	597	28	nearlynon	nearlynon	NOUN
inlawrev-3746	597	29	-	-	PUNCT
inlawrev-3746	597	30	existent	existent	ADJ
inlawrev-3746	597	31	and	and	CCONJ
inlawrev-3746	597	32	in	in	ADP
inlawrev-3746	597	33	some	some	DET
inlawrev-3746	597	34	cases	case	NOUN
inlawrev-3746	597	35	people	people	NOUN
inlawrev-3746	597	36	have	have	AUX
inlawrev-3746	597	37	seen	see	VERB
inlawrev-3746	597	38	their	their	PRON
inlawrev-3746	597	39	investment	investment	NOUN
inlawrev-3746	597	40	value	value	NOUN
inlawrev-3746	597	41	decrease	decrease	NOUN
inlawrev-3746	597	42	.	.	PUNCT
inlawrev-3746	598	1	110	110	NUM
inlawrev-3746	598	2	.	.	PUNCT
inlawrev-3746	599	1	many	many	ADJ
inlawrev-3746	599	2	first	first	ADJ
inlawrev-3746	599	3	-	-	PUNCT
inlawrev-3746	599	4	time	time	NOUN
inlawrev-3746	599	5	homeowners	homeowner	NOUN
inlawrev-3746	599	6	are	be	AUX
inlawrev-3746	599	7	not	not	PART
inlawrev-3746	599	8	aware	aware	ADJ
inlawrev-3746	599	9	of	of	ADP
inlawrev-3746	599	10	the	the	DET
inlawrev-3746	599	11	increased	increase	VERB
inlawrev-3746	599	12	bills	bill	NOUN
inlawrev-3746	599	13	that	that	PRON
inlawrev-3746	599	14	accompany	accompany	VERB
inlawrev-3746	599	15	homeownership	homeownership	NOUN
inlawrev-3746	599	16	,	,	PUNCT
inlawrev-3746	599	17	such	such	ADJ
inlawrev-3746	599	18	as	as	ADP
inlawrev-3746	599	19	property	property	NOUN
inlawrev-3746	599	20	taxes	taxis	NOUN
inlawrev-3746	599	21	and	and	CCONJ
inlawrev-3746	599	22	home	home	NOUN
inlawrev-3746	599	23	insurance	insurance	NOUN
inlawrev-3746	599	24	,	,	PUNCT
inlawrev-3746	599	25	as	as	SCONJ
inlawrev-3746	599	26	they	they	PRON
inlawrev-3746	599	27	are	be	AUX
inlawrev-3746	599	28	used	use	VERB
inlawrev-3746	599	29	to	to	ADP
inlawrev-3746	599	30	these	these	DET
inlawrev-3746	599	31	expenses	expense	NOUN
inlawrev-3746	599	32	being	be	AUX
inlawrev-3746	599	33	covered	cover	VERB
inlawrev-3746	599	34	by	by	ADP
inlawrev-3746	599	35	their	their	PRON
inlawrev-3746	599	36	landlord	landlord	NOUN
inlawrev-3746	599	37	wherever	wherever	SCONJ
inlawrev-3746	599	38	they	they	PRON
inlawrev-3746	599	39	rented	rent	VERB
inlawrev-3746	599	40	.	.	PUNCT
inlawrev-3746	599	41	111	111	NUM
inlawrev-3746	599	42	.	.	PUNCT
inlawrev-3746	600	1	the	the	DET
inlawrev-3746	600	2	internal	internal	PROPN
inlawrev-3746	600	3	revenue	revenue	NOUN
inlawrev-3746	600	4	code	code	NOUN
inlawrev-3746	600	5	allows	allow	VERB
inlawrev-3746	600	6	for	for	ADP
inlawrev-3746	600	7	tax	tax	NOUN
inlawrev-3746	600	8	deductions	deduction	NOUN
inlawrev-3746	600	9	for	for	ADP
inlawrev-3746	600	10	interest	interest	NOUN
inlawrev-3746	600	11	paid	pay	VERB
inlawrev-3746	600	12	,	,	PUNCT
inlawrev-3746	600	13	including	include	VERB
inlawrev-3746	600	14	the	the	DET
inlawrev-3746	600	15	large	large	ADJ
inlawrev-3746	600	16	amount	amount	NOUN
inlawrev-3746	600	17	of	of	ADP
inlawrev-3746	600	18	interest	interest	NOUN
inlawrev-3746	600	19	on	on	ADP
inlawrev-3746	600	20	mortgages	mortgage	NOUN
inlawrev-3746	600	21	,	,	PUNCT
inlawrev-3746	600	22	under	under	ADP
inlawrev-3746	600	23	26	26	NUM
inlawrev-3746	600	24	u.s.c	u.s.c	ADJ
inlawrev-3746	600	25	.	.	PUNCT
inlawrev-3746	601	1	§	§	PROPN
inlawrev-3746	601	2	163(h)(2)(d	163(h)(2)(d	PROPN
inlawrev-3746	601	3	)	)	PUNCT
inlawrev-3746	601	4	(	(	PUNCT
inlawrev-3746	601	5	2000	2000	NUM
inlawrev-3746	601	6	)	)	PUNCT
inlawrev-3746	601	7	.	.	PUNCT
inlawrev-3746	602	1	112	112	NUM
inlawrev-3746	602	2	.	.	PUNCT
inlawrev-3746	602	3	aaronson	aaronson	PROPN
inlawrev-3746	602	4	,	,	PUNCT
inlawrev-3746	602	5	supra	supra	PROPN
inlawrev-3746	602	6	note	note	NOUN
inlawrev-3746	602	7	104	104	NUM
inlawrev-3746	602	8	,	,	PUNCT
inlawrev-3746	602	9	at	at	ADP
inlawrev-3746	602	10	3	3	NUM
inlawrev-3746	602	11	.	.	NOUN
inlawrev-3746	602	12	113	113	NUM
inlawrev-3746	602	13	.	.	PUNCT
inlawrev-3746	603	1	as	as	ADV
inlawrev-3746	603	2	early	early	ADV
inlawrev-3746	603	3	as	as	ADP
inlawrev-3746	603	4	1973	1973	NUM
inlawrev-3746	603	5	,	,	PUNCT
inlawrev-3746	603	6	the	the	DET
inlawrev-3746	603	7	ninety	ninety	NUM
inlawrev-3746	603	8	-	-	PUNCT
inlawrev-3746	603	9	third	third	NOUN
inlawrev-3746	603	10	united	united	PROPN
inlawrev-3746	603	11	states	states	PROPN
inlawrev-3746	603	12	congress	congress	PROPN
inlawrev-3746	603	13	considered	consider	VERB
inlawrev-3746	603	14	a	a	DET
inlawrev-3746	603	15	resolution	resolution	NOUN
inlawrev-3746	603	16	that	that	PRON
inlawrev-3746	603	17	would	would	AUX
inlawrev-3746	603	18	establish	establish	VERB
inlawrev-3746	603	19	standard	standard	ADJ
inlawrev-3746	603	20	foreclosure	foreclosure	NOUN
inlawrev-3746	603	21	procedures	procedure	NOUN
inlawrev-3746	603	22	.	.	PUNCT
inlawrev-3746	604	1	frank	frank	PROPN
inlawrev-3746	604	2	s.	s.	PROPN
inlawrev-3746	604	3	alexander	alexander	PROPN
inlawrev-3746	604	4	,	,	PUNCT
inlawrev-3746	604	5	federalintervention	federalintervention	NOUN
inlawrev-3746	604	6	in	in	ADP
inlawrev-3746	604	7	real	real	ADJ
inlawrev-3746	604	8	estate	estate	NOUN
inlawrev-3746	604	9	finance	finance	NOUN
inlawrev-3746	604	10	:	:	PUNCT
inlawrev-3746	604	11	preemption	preemption	NOUN
inlawrev-3746	604	12	and	and	CCONJ
inlawrev-3746	604	13	federal	federal	ADJ
inlawrev-3746	604	14	common	common	ADJ
inlawrev-3746	604	15	law	law	NOUN
inlawrev-3746	604	16	,	,	PUNCT
inlawrev-3746	604	17	71	71	NUM
inlawrev-3746	604	18	n.c	n.c	PROPN
inlawrev-3746	604	19	.	.	PROPN
inlawrev-3746	604	20	l.	l.	PROPN
inlawrev-3746	604	21	rev	rev	PROPN
inlawrev-3746	604	22	.	.	PROPN
inlawrev-3746	604	23	293	293	NUM
inlawrev-3746	604	24	,	,	PUNCT
inlawrev-3746	604	25	316	316	NUM
inlawrev-3746	604	26	(	(	PUNCT
inlawrev-3746	604	27	1993	1993	NUM
inlawrev-3746	604	28	)	)	PUNCT
inlawrev-3746	604	29	.	.	PUNCT
inlawrev-3746	605	1	114	114	NUM
inlawrev-3746	605	2	.	.	PUNCT
inlawrev-3746	606	1	see	see	VERB
inlawrev-3746	606	2	,	,	PUNCT
inlawrev-3746	606	3	e.g.	e.g.	ADV
inlawrev-3746	606	4	,	,	PUNCT
inlawrev-3746	606	5	nelson	nelson	PROPN
inlawrev-3746	606	6	,	,	PUNCT
inlawrev-3746	606	7	supra	supra	PROPN
inlawrev-3746	606	8	note	note	NOUN
inlawrev-3746	606	9	24	24	NUM
inlawrev-3746	606	10	,	,	PUNCT
inlawrev-3746	606	11	at	at	ADP
inlawrev-3746	606	12	1399	1399	NUM
inlawrev-3746	606	13	;	;	PUNCT
inlawrev-3746	606	14	patrick	patrick	PROPN
inlawrev-3746	606	15	a.	a.	PROPN
inlawrev-3746	606	16	randolph	randolph	PROPN
inlawrev-3746	606	17	,	,	PUNCT
inlawrev-3746	606	18	jr	jr	PROPN
inlawrev-3746	606	19	.	.	PROPN
inlawrev-3746	606	20	,	,	PUNCT
inlawrev-3746	606	21	the	the	DET
inlawrev-3746	606	22	future	future	NOUN
inlawrev-3746	606	23	of	of	ADP
inlawrev-3746	606	24	american	american	ADJ
inlawrev-3746	606	25	real	real	ADJ
inlawrev-3746	606	26	estate	estate	NOUN
inlawrev-3746	606	27	law	law	NOUN
inlawrev-3746	606	28	:	:	PUNCT
inlawrev-3746	606	29	uniform	uniform	ADJ
inlawrev-3746	606	30	foreclosure	foreclosure	NOUN
inlawrev-3746	606	31	laws	law	NOUN
inlawrev-3746	606	32	and	and	CCONJ
inlawrev-3746	606	33	uniform	uniform	ADJ
inlawrev-3746	606	34	land	land	NOUN
inlawrev-3746	606	35	security	security	PROPN
inlawrev-3746	606	36	interest	interest	PROPN
inlawrev-3746	606	37	act	act	PROPN
inlawrev-3746	606	38	,	,	PUNCT
inlawrev-3746	606	39	20	20	NUM
inlawrev-3746	606	40	nova	nova	PROPN
inlawrev-3746	606	41	l.	l.	PROPN
inlawrev-3746	606	42	rev	rev	PROPN
inlawrev-3746	606	43	.	.	PROPN
inlawrev-3746	606	44	1	1	NUM
inlawrev-3746	606	45	109	109	NUM
inlawrev-3746	606	46	(	(	PUNCT
inlawrev-3746	606	47	1996	1996	NUM
inlawrev-3746	606	48	)	)	PUNCT
inlawrev-3746	606	49	.	.	PUNCT
inlawrev-3746	607	1	115	115	NUM
inlawrev-3746	607	2	.	.	PUNCT
inlawrev-3746	608	1	see	see	VERB
inlawrev-3746	608	2	supra	supra	PROPN
inlawrev-3746	608	3	note	note	PROPN
inlawrev-3746	609	1	2	2	NUM
inlawrev-3746	609	2	.	.	SYM
inlawrev-3746	609	3	106	106	NUM
inlawrev-3746	609	4	indiana	indiana	PROPN
inlawrev-3746	609	5	law	law	PROPN
inlawrev-3746	609	6	review	review	NOUN
inlawrev-3746	610	1	[	[	X
inlawrev-3746	610	2	vol	vol	NOUN
inlawrev-3746	610	3	.	.	PUNCT
inlawrev-3746	610	4	39:87	39:87	NUM
inlawrev-3746	610	5	law	law	NOUN
inlawrev-3746	610	6	judicial	judicial	ADJ
inlawrev-3746	610	7	foreclosure	foreclosure	NOUN
inlawrev-3746	610	8	process	process	NOUN
inlawrev-3746	610	9	.	.	PUNCT
inlawrev-3746	611	1	nonjudicial	nonjudicial	ADJ
inlawrev-3746	611	2	foreclosures	foreclosure	NOUN
inlawrev-3746	611	3	,	,	PUNCT
inlawrev-3746	611	4	which	which	PRON
inlawrev-3746	611	5	expedite	expedite	VERB
inlawrev-3746	611	6	foreclosure	foreclosure	NOUN
inlawrev-3746	611	7	proceedings	proceeding	NOUN
inlawrev-3746	611	8	because	because	SCONJ
inlawrev-3746	611	9	of	of	ADP
inlawrev-3746	611	10	the	the	DET
inlawrev-3746	611	11	decreased	decrease	VERB
inlawrev-3746	611	12	time	time	NOUN
inlawrev-3746	611	13	and	and	CCONJ
inlawrev-3746	611	14	expense	expense	NOUN
inlawrev-3746	611	15	required	require	VERB
inlawrev-3746	611	16	for	for	ADP
inlawrev-3746	611	17	lenders	lender	NOUN
inlawrev-3746	611	18	,	,	PUNCT
inlawrev-3746	611	19	are	be	AUX
inlawrev-3746	611	20	actually	actually	ADV
inlawrev-3746	611	21	more	more	ADV
inlawrev-3746	611	22	prevalent	prevalent	ADJ
inlawrev-3746	611	23	in	in	ADP
inlawrev-3746	611	24	states	state	NOUN
inlawrev-3746	611	25	with	with	ADP
inlawrev-3746	611	26	low	low	ADJ
inlawrev-3746	611	27	foreclosure	foreclosure	NOUN
inlawrev-3746	611	28	rates	rate	NOUN
inlawrev-3746	611	29	.	.	PUNCT
inlawrev-3746	612	1	based	base	VERB
inlawrev-3746	612	2	on	on	ADP
inlawrev-3746	612	3	a	a	DET
inlawrev-3746	612	4	2003	2003	NUM
inlawrev-3746	612	5	report	report	NOUN
inlawrev-3746	612	6	by	by	ADP
inlawrev-3746	612	7	the	the	DET
inlawrev-3746	612	8	national	national	PROPN
inlawrev-3746	612	9	association	association	PROPN
inlawrev-3746	612	10	of	of	ADP
inlawrev-3746	612	11	realtors	realtor	NOUN
inlawrev-3746	612	12	,	,	PUNCT
inlawrev-3746	612	13	fifteen	fifteen	NUM
inlawrev-3746	612	14	states	state	NOUN
inlawrev-3746	612	15	had	have	VERB
inlawrev-3746	612	16	a	a	DET
inlawrev-3746	612	17	foreclosure	foreclosure	NOUN
inlawrev-3746	612	18	rate	rate	NOUN
inlawrev-3746	612	19	less	less	ADJ
inlawrev-3746	612	20	than	than	ADP
inlawrev-3746	612	21	0.9	0.9	NUM
inlawrev-3746	612	22	%	%	NOUN
inlawrev-3746	612	23	;	;	PUNCT
inlawrev-3746	612	24	of	of	ADP
inlawrev-3746	612	25	those	those	DET
inlawrev-3746	612	26	fifteen	fifteen	NUM
inlawrev-3746	612	27	states	state	NOUN
inlawrev-3746	612	28	,	,	PUNCT
inlawrev-3746	613	1	thirteen	thirteen	NUM
inlawrev-3746	613	2	permitted	permit	VERB
inlawrev-3746	613	3	nonjudicial	nonjudicial	ADJ
inlawrev-3746	613	4	foreclosure	foreclosure	NOUN
inlawrev-3746	613	5	.	.	PUNCT
inlawrev-3746	614	1	116	116	NUM
inlawrev-3746	614	2	perhaps	perhaps	ADV
inlawrev-3746	614	3	more	more	ADV
inlawrev-3746	614	4	significantly	significantly	ADV
inlawrev-3746	614	5	,	,	PUNCT
inlawrev-3746	614	6	seven	seven	NUM
inlawrev-3746	614	7	ofthe	ofthe	NOUN
inlawrev-3746	614	8	nine	nine	NUM
inlawrev-3746	614	9	states	state	NOUN
inlawrev-3746	614	10	that	that	PRON
inlawrev-3746	614	11	had	have	VERB
inlawrev-3746	614	12	foreclosure	foreclosure	NOUN
inlawrev-3746	614	13	rates	rate	NOUN
inlawrev-3746	614	14	of	of	ADP
inlawrev-3746	614	15	1.6	1.6	NUM
inlawrev-3746	614	16	%	%	NOUN
inlawrev-3746	614	17	or	or	CCONJ
inlawrev-3746	614	18	higher	high	ADJ
inlawrev-3746	614	19	required	require	VERB
inlawrev-3746	614	20	judicial	judicial	ADJ
inlawrev-3746	614	21	foreclosure	foreclosure	NOUN
inlawrev-3746	614	22	.	.	PUNCT
inlawrev-3746	615	1	117	117	NUM
inlawrev-3746	615	2	only	only	ADV
inlawrev-3746	615	3	mississippi	mississippi	PROPN
inlawrev-3746	615	4	and	and	CCONJ
inlawrev-3746	615	5	utah	utah	PROPN
inlawrev-3746	615	6	employ	employ	VERB
inlawrev-3746	615	7	a	a	DET
inlawrev-3746	615	8	nonjudicial	nonjudicial	ADJ
inlawrev-3746	615	9	foreclosure	foreclosure	NOUN
inlawrev-3746	615	10	process	process	NOUN
inlawrev-3746	615	11	while	while	SCONJ
inlawrev-3746	615	12	suffering	suffer	VERB
inlawrev-3746	615	13	poor	poor	ADJ
inlawrev-3746	615	14	foreclosure	foreclosure	NOUN
inlawrev-3746	615	15	rate	rate	NOUN
inlawrev-3746	615	16	performance	performance	NOUN
inlawrev-3746	615	17	,	,	PUNCT
inlawrev-3746	615	18	but	but	CCONJ
inlawrev-3746	615	19	their	their	PRON
inlawrev-3746	615	20	performance	performance	NOUN
inlawrev-3746	615	21	can	can	AUX
inlawrev-3746	615	22	largely	largely	ADV
inlawrev-3746	615	23	be	be	AUX
inlawrev-3746	615	24	attributed	attribute	VERB
inlawrev-3746	615	25	to	to	ADP
inlawrev-3746	615	26	extraneous	extraneous	ADJ
inlawrev-3746	615	27	circumstances	circumstance	NOUN
inlawrev-3746	615	28	.	.	PUNCT
inlawrev-3746	616	1	118	118	NUM
inlawrev-3746	616	2	although	although	SCONJ
inlawrev-3746	616	3	somewhat	somewhat	ADV
inlawrev-3746	616	4	counterintuitive	counterintuitive	ADJ
inlawrev-3746	616	5	,	,	PUNCT
inlawrev-3746	616	6	several	several	ADJ
inlawrev-3746	616	7	factors	factor	NOUN
inlawrev-3746	616	8	support	support	VERB
inlawrev-3746	616	9	the	the	DET
inlawrev-3746	616	10	correlation	correlation	NOUN
inlawrev-3746	616	11	between	between	ADP
inlawrev-3746	616	12	judicial	judicial	ADJ
inlawrev-3746	616	13	foreclosure	foreclosure	NOUN
inlawrev-3746	616	14	and	and	CCONJ
inlawrev-3746	616	15	high	high	ADJ
inlawrev-3746	616	16	foreclosure	foreclosure	NOUN
inlawrev-3746	616	17	rates	rate	NOUN
inlawrev-3746	616	18	.	.	PUNCT
inlawrev-3746	617	1	first	first	ADV
inlawrev-3746	617	2	,	,	PUNCT
inlawrev-3746	617	3	although	although	SCONJ
inlawrev-3746	617	4	judicial	judicial	ADJ
inlawrev-3746	617	5	foreclosure	foreclosure	NOUN
inlawrev-3746	617	6	is	be	AUX
inlawrev-3746	617	7	intended	intend	VERB
inlawrev-3746	617	8	to	to	PART
inlawrev-3746	617	9	protect	protect	VERB
inlawrev-3746	617	10	borrowers	borrower	NOUN
inlawrev-3746	617	11	,	,	PUNCT
inlawrev-3746	617	12	lenders	lender	NOUN
inlawrev-3746	617	13	could	could	AUX
inlawrev-3746	617	14	be	be	AUX
inlawrev-3746	617	15	passing	pass	VERB
inlawrev-3746	617	16	the	the	DET
inlawrev-3746	617	17	higher	high	ADJ
inlawrev-3746	617	18	costs	cost	NOUN
inlawrev-3746	617	19	ofcourt	ofcourt	ADJ
inlawrev-3746	617	20	proceedings	proceeding	NOUN
inlawrev-3746	617	21	to	to	ADP
inlawrev-3746	617	22	homeowners	homeowner	NOUN
inlawrev-3746	617	23	in	in	ADP
inlawrev-3746	617	24	the	the	DET
inlawrev-3746	617	25	form	form	NOUN
inlawrev-3746	617	26	ofhigher	ofhigher	NOUN
inlawrev-3746	617	27	interest	interest	NOUN
inlawrev-3746	617	28	rates	rate	NOUN
inlawrev-3746	617	29	and	and	CCONJ
inlawrev-3746	617	30	larger	large	ADJ
inlawrev-3746	617	31	fees	fee	NOUN
inlawrev-3746	617	32	.	.	PUNCT
inlawrev-3746	618	1	119	119	NUM
inlawrev-3746	618	2	these	these	DET
inlawrev-3746	618	3	additional	additional	ADJ
inlawrev-3746	618	4	costs	cost	NOUN
inlawrev-3746	618	5	make	make	VERB
inlawrev-3746	618	6	it	it	PRON
inlawrev-3746	618	7	more	more	ADV
inlawrev-3746	618	8	difficult	difficult	ADJ
inlawrev-3746	618	9	for	for	SCONJ
inlawrev-3746	618	10	borrowers	borrower	NOUN
inlawrev-3746	618	11	to	to	PART
inlawrev-3746	618	12	increase	increase	VERB
inlawrev-3746	618	13	equity	equity	NOUN
inlawrev-3746	618	14	in	in	ADP
inlawrev-3746	618	15	their	their	PRON
inlawrev-3746	618	16	homes	home	NOUN
inlawrev-3746	618	17	,	,	PUNCT
inlawrev-3746	618	18	which	which	PRON
inlawrev-3746	618	19	makes	make	VERB
inlawrev-3746	618	20	them	they	PRON
inlawrev-3746	618	21	more	more	ADV
inlawrev-3746	618	22	susceptible	susceptible	ADJ
inlawrev-3746	618	23	to	to	ADP
inlawrev-3746	618	24	default	default	NOUN
inlawrev-3746	618	25	.	.	PUNCT
inlawrev-3746	619	1	because	because	SCONJ
inlawrev-3746	619	2	of	of	ADP
inlawrev-3746	619	3	the	the	DET
inlawrev-3746	619	4	extra	extra	ADJ
inlawrev-3746	619	5	costs	cost	NOUN
inlawrev-3746	619	6	that	that	SCONJ
inlawrev-3746	619	7	judicial	judicial	ADJ
inlawrev-3746	619	8	foreclosure	foreclosure	NOUN
inlawrev-3746	619	9	entails	entail	VERB
inlawrev-3746	619	10	,	,	PUNCT
inlawrev-3746	619	11	lenders	lender	NOUN
inlawrev-3746	619	12	attempt	attempt	VERB
inlawrev-3746	619	13	to	to	PART
inlawrev-3746	619	14	avoid	avoid	VERB
inlawrev-3746	619	15	foreclosure	foreclosure	NOUN
inlawrev-3746	619	16	and	and	CCONJ
inlawrev-3746	619	17	pursue	pursue	VERB
inlawrev-3746	619	18	alternative	alternative	ADJ
inlawrev-3746	619	19	methods	method	NOUN
inlawrev-3746	619	20	once	once	ADV
inlawrev-3746	619	21	default	default	NOUN
inlawrev-3746	619	22	occurs	occur	VERB
inlawrev-3746	619	23	,	,	PUNCT
inlawrev-3746	619	24	120	120	NUM
inlawrev-3746	619	25	but	but	CCONJ
inlawrev-3746	619	26	at	at	ADP
inlawrev-3746	619	27	that	that	DET
inlawrev-3746	619	28	point	point	NOUN
inlawrev-3746	619	29	the	the	DET
inlawrev-3746	619	30	borrower	borrower	NOUN
inlawrev-3746	619	31	is	be	AUX
inlawrev-3746	619	32	likely	likely	ADV
inlawrev-3746	619	33	insolvent	insolvent	ADJ
inlawrev-3746	619	34	and	and	CCONJ
inlawrev-3746	619	35	even	even	ADV
inlawrev-3746	619	36	concessions	concession	NOUN
inlawrev-3746	619	37	may	may	AUX
inlawrev-3746	619	38	not	not	PART
inlawrev-3746	619	39	prevent	prevent	VERB
inlawrev-3746	619	40	foreclosure	foreclosure	NOUN
inlawrev-3746	619	41	.	.	PUNCT
inlawrev-3746	620	1	on	on	ADP
inlawrev-3746	620	2	the	the	DET
inlawrev-3746	620	3	other	other	ADJ
inlawrev-3746	620	4	hand	hand	NOUN
inlawrev-3746	620	5	,	,	PUNCT
inlawrev-3746	620	6	nonjudicial	nonjudicial	ADJ
inlawrev-3746	620	7	foreclosures	foreclosure	NOUN
inlawrev-3746	620	8	allow	allow	VERB
inlawrev-3746	620	9	lenders	lender	NOUN
inlawrev-3746	620	10	to	to	PART
inlawrev-3746	620	11	be	be	AUX
inlawrev-3746	620	12	more	more	ADV
inlawrev-3746	620	13	flexible	flexible	ADJ
inlawrev-3746	620	14	and	and	CCONJ
inlawrev-3746	620	15	forbearing	forbear	VERB
inlawrev-3746	620	16	with	with	ADP
inlawrev-3746	620	17	borrowers	borrower	NOUN
inlawrev-3746	620	18	at	at	ADP
inlawrev-3746	620	19	the	the	DET
inlawrev-3746	620	20	outset	outset	NOUN
inlawrev-3746	620	21	of	of	ADP
inlawrev-3746	620	22	the	the	DET
inlawrev-3746	620	23	mortgage	mortgage	NOUN
inlawrev-3746	620	24	.	.	PUNCT
inlawrev-3746	621	1	116	116	NUM
inlawrev-3746	621	2	.	.	PUNCT
inlawrev-3746	622	1	these	these	DET
inlawrev-3746	622	2	states	state	NOUN
inlawrev-3746	622	3	included	include	VERB
inlawrev-3746	622	4	alaska	alaska	PROPN
inlawrev-3746	622	5	,	,	PUNCT
inlawrev-3746	622	6	arizona	arizona	PROPN
inlawrev-3746	622	7	,	,	PUNCT
inlawrev-3746	622	8	california	california	PROPN
inlawrev-3746	622	9	,	,	PUNCT
inlawrev-3746	622	10	colorado	colorado	PROPN
inlawrev-3746	622	11	,	,	PUNCT
inlawrev-3746	622	12	hawaii	hawaii	PROPN
inlawrev-3746	622	13	,	,	PUNCT
inlawrev-3746	622	14	massachusetts	massachusetts	PROPN
inlawrev-3746	622	15	,	,	PUNCT
inlawrev-3746	622	16	minnesota	minnesota	PROPN
inlawrev-3746	622	17	,	,	PUNCT
inlawrev-3746	622	18	montana	montana	PROPN
inlawrev-3746	622	19	,	,	PUNCT
inlawrev-3746	622	20	new	new	PROPN
inlawrev-3746	622	21	hampshire	hampshire	PROPN
inlawrev-3746	622	22	,	,	PUNCT
inlawrev-3746	622	23	north	north	NOUN
inlawrev-3746	622	24	dakota	dakota	PROPN
inlawrev-3746	622	25	,	,	PUNCT
inlawrev-3746	622	26	rhode	rhode	NOUN
inlawrev-3746	622	27	island	island	NOUN
inlawrev-3746	622	28	,	,	PUNCT
inlawrev-3746	622	29	south	south	PROPN
inlawrev-3746	622	30	dakota	dakota	PROPN
inlawrev-3746	622	31	,	,	PUNCT
inlawrev-3746	622	32	vermont	vermont	PROPN
inlawrev-3746	622	33	,	,	PUNCT
inlawrev-3746	622	34	virginia	virginia	PROPN
inlawrev-3746	622	35	,	,	PUNCT
inlawrev-3746	622	36	and	and	CCONJ
inlawrev-3746	622	37	wyoming	wyoming	NOUN
inlawrev-3746	622	38	.	.	PUNCT
inlawrev-3746	623	1	only	only	ADV
inlawrev-3746	623	2	north	north	PROPN
inlawrev-3746	623	3	dakota	dakota	PROPN
inlawrev-3746	623	4	and	and	CCONJ
inlawrev-3746	623	5	vermont	vermont	PROPN
inlawrev-3746	623	6	were	be	AUX
inlawrev-3746	623	7	judicial	judicial	ADJ
inlawrev-3746	623	8	foreclosure	foreclosure	NOUN
inlawrev-3746	623	9	states	state	NOUN
inlawrev-3746	623	10	that	that	PRON
inlawrev-3746	623	11	maintained	maintain	VERB
inlawrev-3746	623	12	a	a	DET
inlawrev-3746	623	13	low	low	ADJ
inlawrev-3746	623	14	foreclosure	foreclosure	NOUN
inlawrev-3746	623	15	rate	rate	NOUN
inlawrev-3746	623	16	.	.	PUNCT
inlawrev-3746	624	1	rising	rise	VERB
inlawrev-3746	624	2	foreclosure	foreclosure	NOUN
inlawrev-3746	624	3	rates	rate	NOUN
inlawrev-3746	624	4	in	in	ADP
inlawrev-3746	624	5	indiana	indiana	PROPN
inlawrev-3746	624	6	,	,	PUNCT
inlawrev-3746	624	7	supra	supra	PROPN
inlawrev-3746	624	8	note	note	PROPN
inlawrev-3746	624	9	6	6	NUM
inlawrev-3746	624	10	,	,	PUNCT
inlawrev-3746	624	11	at	at	ADP
inlawrev-3746	624	12	15	15	NUM
inlawrev-3746	624	13	-	-	SYM
inlawrev-3746	624	14	16	16	NUM
inlawrev-3746	624	15	.	.	PUNCT
inlawrev-3746	624	16	117	117	NUM
inlawrev-3746	624	17	.	.	PUNCT
inlawrev-3746	625	1	the	the	DET
inlawrev-3746	625	2	nine	nine	NUM
inlawrev-3746	625	3	states	state	NOUN
inlawrev-3746	625	4	with	with	ADP
inlawrev-3746	625	5	the	the	DET
inlawrev-3746	625	6	highest	high	ADJ
inlawrev-3746	625	7	foreclosure	foreclosure	NOUN
inlawrev-3746	625	8	rates	rate	NOUN
inlawrev-3746	625	9	included	include	VERB
inlawrev-3746	625	10	indiana	indiana	PROPN
inlawrev-3746	625	11	,	,	PUNCT
inlawrev-3746	625	12	kentucky	kentucky	PROPN
inlawrev-3746	625	13	,	,	PUNCT
inlawrev-3746	625	14	louisiana	louisiana	PROPN
inlawrev-3746	625	15	,	,	PUNCT
inlawrev-3746	625	16	mississippi	mississippi	PROPN
inlawrev-3746	625	17	,	,	PUNCT
inlawrev-3746	625	18	new	new	PROPN
inlawrev-3746	625	19	mexico	mexico	PROPN
inlawrev-3746	625	20	,	,	PUNCT
inlawrev-3746	625	21	ohio	ohio	PROPN
inlawrev-3746	625	22	,	,	PUNCT
inlawrev-3746	625	23	pennsylvania	pennsylvania	PROPN
inlawrev-3746	625	24	,	,	PUNCT
inlawrev-3746	625	25	south	south	PROPN
inlawrev-3746	625	26	carolina	carolina	PROPN
inlawrev-3746	625	27	,	,	PUNCT
inlawrev-3746	625	28	and	and	CCONJ
inlawrev-3746	625	29	utah	utah	PROPN
inlawrev-3746	625	30	.	.	PUNCT
inlawrev-3746	626	1	i	i	PRON
inlawrev-3746	626	2	d.	d.	PROPN
inlawrev-3746	626	3	118	118	NUM
inlawrev-3746	626	4	.	.	PUNCT
inlawrev-3746	627	1	utah	utah	PROPN
inlawrev-3746	627	2	'	'	PUNCT
inlawrev-3746	627	3	s	s	PART
inlawrev-3746	627	4	"	"	PUNCT
inlawrev-3746	627	5	unique	unique	ADJ
inlawrev-3746	627	6	local	local	ADJ
inlawrev-3746	627	7	culture	culture	NOUN
inlawrev-3746	627	8	"	"	PUNCT
inlawrev-3746	627	9	augments	augment	VERB
inlawrev-3746	627	10	its	its	PRON
inlawrev-3746	627	11	foreclosure	foreclosure	NOUN
inlawrev-3746	627	12	rates	rate	NOUN
inlawrev-3746	627	13	.	.	PUNCT
inlawrev-3746	628	1	local	local	ADJ
inlawrev-3746	628	2	culture	culture	NOUN
inlawrev-3746	628	3	andnational	andnational	PROPN
inlawrev-3746	628	4	economy	economy	NOUN
inlawrev-3746	628	5	cause	cause	VERB
inlawrev-3746	628	6	utah	utah	PROPN
inlawrev-3746	628	7	bankruptcies	bankruptcy	NOUN
inlawrev-3746	628	8	,	,	PUNCT
inlawrev-3746	628	9	15	15	NUM
inlawrev-3746	628	10	consumer	consumer	NOUN
inlawrev-3746	628	11	bankr	bankr	NOUN
inlawrev-3746	628	12	.	.	PUNCT
inlawrev-3746	629	1	news	news	NOUN
inlawrev-3746	629	2	5	5	NUM
inlawrev-3746	629	3	,	,	PUNCT
inlawrev-3746	629	4	feb	feb	PROPN
inlawrev-3746	629	5	.	.	PROPN
inlawrev-3746	629	6	17	17	NUM
inlawrev-3746	629	7	,	,	PUNCT
inlawrev-3746	629	8	2005	2005	NUM
inlawrev-3746	629	9	.	.	PUNCT
inlawrev-3746	630	1	the	the	DET
inlawrev-3746	630	2	state	state	NOUN
inlawrev-3746	630	3	amplifies	amplify	VERB
inlawrev-3746	630	4	the	the	DET
inlawrev-3746	630	5	impact	impact	NOUN
inlawrev-3746	630	6	ofnational	ofnational	ADJ
inlawrev-3746	630	7	economic	economic	ADJ
inlawrev-3746	630	8	problems	problem	NOUN
inlawrev-3746	630	9	,	,	PUNCT
inlawrev-3746	630	10	because	because	SCONJ
inlawrev-3746	630	11	its	its	PRON
inlawrev-3746	630	12	citizens	citizen	NOUN
inlawrev-3746	630	13	marry	marry	VERB
inlawrev-3746	630	14	at	at	ADP
inlawrev-3746	630	15	earlier	early	ADJ
inlawrev-3746	630	16	ages	age	NOUN
inlawrev-3746	630	17	,	,	PUNCT
inlawrev-3746	630	18	have	have	VERB
inlawrev-3746	630	19	larger	large	ADJ
inlawrev-3746	630	20	families	family	NOUN
inlawrev-3746	630	21	,	,	PUNCT
inlawrev-3746	630	22	and	and	CCONJ
inlawrev-3746	630	23	buy	buy	VERB
inlawrev-3746	630	24	homes	home	NOUN
inlawrev-3746	630	25	earlier	early	ADV
inlawrev-3746	630	26	than	than	ADP
inlawrev-3746	630	27	national	national	ADJ
inlawrev-3746	630	28	averages	average	NOUN
inlawrev-3746	630	29	.	.	PUNCT
inlawrev-3746	631	1	recent	recent	ADJ
inlawrev-3746	631	2	layoffs	layoff	NOUN
inlawrev-3746	631	3	and	and	CCONJ
inlawrev-3746	631	4	additional	additional	ADJ
inlawrev-3746	631	5	children	child	NOUN
inlawrev-3746	631	6	have	have	AUX
inlawrev-3746	631	7	forced	force	VERB
inlawrev-3746	631	8	many	many	ADJ
inlawrev-3746	631	9	utah	utah	PROPN
inlawrev-3746	631	10	citizens	citizen	NOUN
inlawrev-3746	631	11	to	to	PART
inlawrev-3746	631	12	fall	fall	VERB
inlawrev-3746	631	13	behind	behind	ADV
inlawrev-3746	631	14	on	on	ADP
inlawrev-3746	631	15	their	their	PRON
inlawrev-3746	631	16	mortgage	mortgage	NOUN
inlawrev-3746	631	17	payments	payment	NOUN
inlawrev-3746	631	18	,	,	PUNCT
inlawrev-3746	631	19	especially	especially	ADV
inlawrev-3746	631	20	where	where	SCONJ
inlawrev-3746	631	21	both	both	DET
inlawrev-3746	631	22	spouses	spouse	NOUN
inlawrev-3746	631	23	were	be	AUX
inlawrev-3746	631	24	working	work	VERB
inlawrev-3746	631	25	to	to	PART
inlawrev-3746	631	26	afford	afford	VERB
inlawrev-3746	631	27	their	their	PRON
inlawrev-3746	631	28	monthly	monthly	ADJ
inlawrev-3746	631	29	payments	payment	NOUN
inlawrev-3746	631	30	.	.	PUNCT
inlawrev-3746	632	1	i	i	PRON
inlawrev-3746	632	2	d.	d.	PROPN
inlawrev-3746	632	3	mississippi	mississippi	PROPN
inlawrev-3746	632	4	's	's	PART
inlawrev-3746	632	5	problems	problem	NOUN
inlawrev-3746	632	6	are	be	AUX
inlawrev-3746	632	7	not	not	PART
inlawrev-3746	632	8	as	as	ADV
inlawrev-3746	632	9	readily	readily	ADV
inlawrev-3746	632	10	apparent	apparent	ADJ
inlawrev-3746	632	11	.	.	PUNCT
inlawrev-3746	633	1	the	the	DET
inlawrev-3746	633	2	state	state	NOUN
inlawrev-3746	633	3	has	have	AUX
inlawrev-3746	633	4	recently	recently	ADV
inlawrev-3746	633	5	discovered	discover	VERB
inlawrev-3746	633	6	a	a	DET
inlawrev-3746	633	7	dramatic	dramatic	ADJ
inlawrev-3746	633	8	increase	increase	NOUN
inlawrev-3746	633	9	in	in	ADP
inlawrev-3746	633	10	the	the	DET
inlawrev-3746	633	11	occurrence	occurrence	NOUN
inlawrev-3746	633	12	ofpredatory	ofpredatory	PROPN
inlawrev-3746	633	13	lending	lending	NOUN
inlawrev-3746	633	14	,	,	PUNCT
inlawrev-3746	633	15	especially	especially	ADV
inlawrev-3746	633	16	"	"	PUNCT
inlawrev-3746	633	17	flipping	flip	VERB
inlawrev-3746	633	18	.	.	PUNCT
inlawrev-3746	633	19	"	"	PUNCT
inlawrev-3746	634	1	kevin	kevin	PROPN
inlawrev-3746	634	2	walters	walters	PROPN
inlawrev-3746	634	3	,	,	PUNCT
inlawrev-3746	634	4	mortgage	mortgage	NOUN
inlawrev-3746	634	5	fraud	fraud	NOUN
inlawrev-3746	634	6	probe	probe	NOUN
inlawrev-3746	634	7	expands	expand	VERB
inlawrev-3746	634	8	into	into	ADP
inlawrev-3746	634	9	new	new	ADJ
inlawrev-3746	634	10	week	week	NOUN
inlawrev-3746	634	11	,	,	PUNCT
inlawrev-3746	634	12	hattiesburg	hattiesburg	PROPN
inlawrev-3746	634	13	am	be	AUX
inlawrev-3746	634	14	.	.	PUNCT
inlawrev-3746	634	15	,	,	PUNCT
inlawrev-3746	634	16	may	may	AUX
inlawrev-3746	634	17	25	25	NUM
inlawrev-3746	634	18	,	,	PUNCT
inlawrev-3746	634	19	2003	2003	NUM
inlawrev-3746	634	20	,	,	PUNCT
inlawrev-3746	634	21	at	at	ADP
inlawrev-3746	634	22	1a	1a	NUM
inlawrev-3746	634	23	.	.	PUNCT
inlawrev-3746	635	1	flipping	flip	VERB
inlawrev-3746	635	2	occurs	occur	VERB
inlawrev-3746	635	3	when	when	SCONJ
inlawrev-3746	635	4	a	a	DET
inlawrev-3746	635	5	lender	lender	NOUN
inlawrev-3746	635	6	encourages	encourage	VERB
inlawrev-3746	635	7	the	the	DET
inlawrev-3746	635	8	borrower	borrower	NOUN
inlawrev-3746	635	9	to	to	PART
inlawrev-3746	635	10	repeatedly	repeatedly	ADV
inlawrev-3746	635	11	refinance	refinance	VERB
inlawrev-3746	635	12	his	his	PRON
inlawrev-3746	635	13	or	or	CCONJ
inlawrev-3746	635	14	her	her	PRON
inlawrev-3746	635	15	original	original	ADJ
inlawrev-3746	635	16	mortgage	mortgage	NOUN
inlawrev-3746	635	17	,	,	PUNCT
inlawrev-3746	635	18	which	which	PRON
inlawrev-3746	635	19	adds	add	VERB
inlawrev-3746	635	20	higher	high	ADJ
inlawrev-3746	635	21	interest	interest	NOUN
inlawrev-3746	635	22	and	and	CCONJ
inlawrev-3746	635	23	fees	fee	NOUN
inlawrev-3746	635	24	that	that	PRON
inlawrev-3746	635	25	reduce	reduce	VERB
inlawrev-3746	635	26	any	any	DET
inlawrev-3746	635	27	equity	equity	NOUN
inlawrev-3746	635	28	the	the	DET
inlawrev-3746	635	29	borrower	borrower	NOUN
inlawrev-3746	635	30	originally	originally	ADV
inlawrev-3746	635	31	had	have	VERB
inlawrev-3746	635	32	in	in	ADP
inlawrev-3746	635	33	the	the	DET
inlawrev-3746	635	34	property	property	NOUN
inlawrev-3746	635	35	.	.	PUNCT
inlawrev-3746	636	1	ferguson	ferguson	PROPN
inlawrev-3746	636	2	,	,	PUNCT
inlawrev-3746	636	3	supra	supra	PROPN
inlawrev-3746	636	4	note	note	NOUN
inlawrev-3746	636	5	1	1	NUM
inlawrev-3746	636	6	1	1	NUM
inlawrev-3746	636	7	,	,	PUNCT
inlawrev-3746	636	8	at	at	ADP
inlawrev-3746	636	9	607	607	NUM
inlawrev-3746	636	10	,	,	PUNCT
inlawrev-3746	636	11	609	609	NUM
inlawrev-3746	636	12	.	.	PUNCT
inlawrev-3746	637	1	although	although	SCONJ
inlawrev-3746	637	2	the	the	DET
inlawrev-3746	637	3	threat	threat	NOUN
inlawrev-3746	637	4	ofpredatory	ofpredatory	NOUN
inlawrev-3746	637	5	lending	lending	NOUN
inlawrev-3746	637	6	has	have	AUX
inlawrev-3746	637	7	extended	extend	VERB
inlawrev-3746	637	8	beyond	beyond	ADP
inlawrev-3746	637	9	mississippi	mississippi	NOUN
inlawrev-3746	637	10	's	's	PART
inlawrev-3746	637	11	borders	border	NOUN
inlawrev-3746	637	12	,	,	PUNCT
inlawrev-3746	637	13	new	new	ADJ
inlawrev-3746	637	14	occurrences	occurrence	NOUN
inlawrev-3746	637	15	of	of	ADP
inlawrev-3746	637	16	fraud	fraud	NOUN
inlawrev-3746	637	17	may	may	AUX
inlawrev-3746	637	18	artificially	artificially	ADV
inlawrev-3746	637	19	spike	spike	VERB
inlawrev-3746	637	20	the	the	DET
inlawrev-3746	637	21	foreclosure	foreclosure	NOUN
inlawrev-3746	637	22	rate	rate	NOUN
inlawrev-3746	637	23	of	of	ADP
inlawrev-3746	637	24	an	an	DET
inlawrev-3746	637	25	otherwise	otherwise	ADV
inlawrev-3746	637	26	stable	stable	ADJ
inlawrev-3746	637	27	state	state	NOUN
inlawrev-3746	637	28	.	.	PUNCT
inlawrev-3746	638	1	119	119	NUM
inlawrev-3746	638	2	.	.	PUNCT
inlawrev-3746	638	3	pence	penny	NOUN
inlawrev-3746	638	4	,	,	PUNCT
inlawrev-3746	638	5	supra	supra	PROPN
inlawrev-3746	638	6	note	note	NOUN
inlawrev-3746	638	7	5	5	NUM
inlawrev-3746	638	8	,	,	PUNCT
inlawrev-3746	638	9	at	at	ADP
inlawrev-3746	638	10	1	1	NUM
inlawrev-3746	638	11	.	.	PUNCT
inlawrev-3746	639	1	this	this	DET
inlawrev-3746	639	2	study	study	NOUN
inlawrev-3746	639	3	found	find	VERB
inlawrev-3746	639	4	that	that	SCONJ
inlawrev-3746	639	5	the	the	DET
inlawrev-3746	639	6	most	most	ADV
inlawrev-3746	639	7	plausible	plausible	ADJ
inlawrev-3746	639	8	factor	factor	NOUN
inlawrev-3746	639	9	connecting	connect	VERB
inlawrev-3746	639	10	foreclosure	foreclosure	NOUN
inlawrev-3746	639	11	law	law	NOUN
inlawrev-3746	639	12	and	and	CCONJ
inlawrev-3746	639	13	foreclosure	foreclosure	NOUN
inlawrev-3746	639	14	rates	rate	NOUN
inlawrev-3746	639	15	was	be	AUX
inlawrev-3746	639	16	whether	whether	SCONJ
inlawrev-3746	639	17	the	the	DET
inlawrev-3746	639	18	state	state	NOUN
inlawrev-3746	639	19	is	be	AUX
inlawrev-3746	639	20	a	a	DET
inlawrev-3746	639	21	judicial	judicial	ADJ
inlawrev-3746	639	22	or	or	CCONJ
inlawrev-3746	639	23	nonjudicial	nonjudicial	ADJ
inlawrev-3746	639	24	foreclosure	foreclosure	NOUN
inlawrev-3746	639	25	state	state	NOUN
inlawrev-3746	639	26	.	.	PUNCT
inlawrev-3746	640	1	i	i	PRON
inlawrev-3746	640	2	d.	d.	PROPN
inlawrev-3746	640	3	at	at	ADP
inlawrev-3746	640	4	3	3	NUM
inlawrev-3746	640	5	.	.	NOUN
inlawrev-3746	640	6	120	120	NUM
inlawrev-3746	640	7	.	.	X
inlawrev-3746	641	1	mat	mat	PROPN
inlawrev-3746	641	2	5	5	NUM
inlawrev-3746	641	3	.	.	NUM
inlawrev-3746	641	4	2005	2005	NUM
inlawrev-3746	641	5	]	]	PUNCT
inlawrev-3746	641	6	hoosier	hoosier	NOUN
inlawrev-3746	641	7	inhospitality	inhospitality	NOUN
inlawrev-3746	641	8	107	107	NUM
inlawrev-3746	641	9	second	second	ADJ
inlawrev-3746	641	10	,	,	PUNCT
inlawrev-3746	641	11	the	the	DET
inlawrev-3746	641	12	extensive	extensive	ADJ
inlawrev-3746	641	13	time	time	NOUN
inlawrev-3746	641	14	requirements	requirement	NOUN
inlawrev-3746	641	15	for	for	ADP
inlawrev-3746	641	16	judicial	judicial	ADJ
inlawrev-3746	641	17	foreclosures	foreclosure	NOUN
inlawrev-3746	641	18	create	create	VERB
inlawrev-3746	641	19	additional	additional	ADJ
inlawrev-3746	641	20	problems	problem	NOUN
inlawrev-3746	641	21	for	for	ADP
inlawrev-3746	641	22	the	the	DET
inlawrev-3746	641	23	housing	housing	NOUN
inlawrev-3746	641	24	market	market	NOUN
inlawrev-3746	641	25	.	.	PUNCT
inlawrev-3746	642	1	121	121	NUM
inlawrev-3746	642	2	the	the	DET
inlawrev-3746	642	3	delay	delay	NOUN
inlawrev-3746	642	4	caused	cause	VERB
inlawrev-3746	642	5	by	by	ADP
inlawrev-3746	642	6	judicial	judicial	ADJ
inlawrev-3746	642	7	foreclosure	foreclosure	NOUN
inlawrev-3746	642	8	finalization	finalization	NOUN
inlawrev-3746	642	9	increases	increase	VERB
inlawrev-3746	642	10	the	the	DET
inlawrev-3746	642	11	likelihood	likelihood	NOUN
inlawrev-3746	642	12	of	of	ADP
inlawrev-3746	642	13	abandonment	abandonment	NOUN
inlawrev-3746	642	14	and	and	CCONJ
inlawrev-3746	642	15	deterioration	deterioration	NOUN
inlawrev-3746	642	16	of	of	ADP
inlawrev-3746	642	17	the	the	DET
inlawrev-3746	642	18	property	property	NOUN
inlawrev-3746	642	19	in	in	ADP
inlawrev-3746	642	20	question	question	NOUN
inlawrev-3746	642	21	,	,	PUNCT
inlawrev-3746	642	22	which	which	PRON
inlawrev-3746	642	23	can	can	AUX
inlawrev-3746	642	24	have	have	VERB
inlawrev-3746	642	25	adverse	adverse	ADJ
inlawrev-3746	642	26	effects	effect	NOUN
inlawrev-3746	642	27	on	on	ADP
inlawrev-3746	642	28	the	the	DET
inlawrev-3746	642	29	surrounding	surround	VERB
inlawrev-3746	642	30	area	area	NOUN
inlawrev-3746	642	31	.	.	PUNCT
inlawrev-3746	643	1	122	122	NUM
inlawrev-3746	643	2	indiana	indiana	PROPN
inlawrev-3746	643	3	has	have	AUX
inlawrev-3746	643	4	seen	see	VERB
inlawrev-3746	643	5	this	this	DET
inlawrev-3746	643	6	problem	problem	NOUN
inlawrev-3746	643	7	firsthand	firsthand	ADV
inlawrev-3746	643	8	.	.	PUNCT
inlawrev-3746	644	1	based	base	VERB
inlawrev-3746	644	2	on	on	ADP
inlawrev-3746	644	3	2003	2003	NUM
inlawrev-3746	644	4	census	census	NOUN
inlawrev-3746	644	5	data	datum	NOUN
inlawrev-3746	644	6	,	,	PUNCT
inlawrev-3746	644	7	one	one	NUM
inlawrev-3746	644	8	of	of	ADP
inlawrev-3746	644	9	every	every	DET
inlawrev-3746	644	10	thirty	thirty	NUM
inlawrev-3746	644	11	homes	home	NOUN
inlawrev-3746	644	12	in	in	ADP
inlawrev-3746	644	13	indianapolis	indianapolis	PROPN
inlawrev-3746	644	14	is	be	AUX
inlawrev-3746	644	15	abandoned	abandon	VERB
inlawrev-3746	644	16	,	,	PUNCT
inlawrev-3746	644	17	more	more	ADJ
inlawrev-3746	644	18	than	than	ADP
inlawrev-3746	644	19	any	any	DET
inlawrev-3746	644	20	other	other	ADJ
inlawrev-3746	644	21	midwestern	midwestern	ADJ
inlawrev-3746	644	22	city	city	NOUN
inlawrev-3746	644	23	.	.	PUNCT
inlawrev-3746	645	1	123	123	NUM
inlawrev-3746	645	2	although	although	SCONJ
inlawrev-3746	645	3	proposals	proposal	NOUN
inlawrev-3746	645	4	have	have	AUX
inlawrev-3746	645	5	been	be	AUX
inlawrev-3746	645	6	made	make	VERB
inlawrev-3746	645	7	to	to	PART
inlawrev-3746	645	8	deal	deal	VERB
inlawrev-3746	645	9	with	with	ADP
inlawrev-3746	645	10	these	these	DET
inlawrev-3746	645	11	abandoned	abandon	VERB
inlawrev-3746	645	12	homes	home	NOUN
inlawrev-3746	645	13	,	,	PUNCT
inlawrev-3746	645	14	124	124	NUM
inlawrev-3746	645	15	the	the	DET
inlawrev-3746	645	16	continued	continued	ADJ
inlawrev-3746	645	17	existence	existence	NOUN
inlawrev-3746	645	18	of	of	ADP
inlawrev-3746	645	19	exclusively	exclusively	ADV
inlawrev-3746	645	20	judicial	judicial	ADJ
inlawrev-3746	645	21	foreclosure	foreclosure	NOUN
inlawrev-3746	645	22	laws	law	NOUN
inlawrev-3746	645	23	will	will	AUX
inlawrev-3746	645	24	only	only	ADV
inlawrev-3746	645	25	exacerbate	exacerbate	VERB
inlawrev-3746	645	26	the	the	DET
inlawrev-3746	645	27	problem	problem	NOUN
inlawrev-3746	645	28	.	.	PUNCT
inlawrev-3746	646	1	finally	finally	ADV
inlawrev-3746	646	2	,	,	PUNCT
inlawrev-3746	646	3	indiana	indiana	PROPN
inlawrev-3746	646	4	should	should	AUX
inlawrev-3746	646	5	also	also	ADV
inlawrev-3746	646	6	become	become	VERB
inlawrev-3746	646	7	a	a	DET
inlawrev-3746	646	8	nonjudicial	nonjudicial	ADJ
inlawrev-3746	646	9	foreclosure	foreclosure	NOUN
inlawrev-3746	646	10	state	state	NOUN
inlawrev-3746	646	11	because	because	SCONJ
inlawrev-3746	646	12	it	it	PRON
inlawrev-3746	646	13	will	will	AUX
inlawrev-3746	646	14	allow	allow	VERB
inlawrev-3746	646	15	more	more	ADJ
inlawrev-3746	646	16	time	time	NOUN
inlawrev-3746	646	17	to	to	PART
inlawrev-3746	646	18	adjust	adjust	VERB
inlawrev-3746	646	19	to	to	ADP
inlawrev-3746	646	20	the	the	DET
inlawrev-3746	646	21	change	change	NOUN
inlawrev-3746	646	22	than	than	SCONJ
inlawrev-3746	646	23	if	if	SCONJ
inlawrev-3746	646	24	a	a	DET
inlawrev-3746	646	25	new	new	ADJ
inlawrev-3746	646	26	federal	federal	ADJ
inlawrev-3746	646	27	government	government	NOUN
inlawrev-3746	646	28	regulation	regulation	NOUN
inlawrev-3746	646	29	requires	require	VERB
inlawrev-3746	646	30	the	the	DET
inlawrev-3746	646	31	state	state	NOUN
inlawrev-3746	646	32	to	to	PART
inlawrev-3746	646	33	use	use	VERB
inlawrev-3746	646	34	only	only	ADJ
inlawrev-3746	646	35	nonjudicial	nonjudicial	ADJ
inlawrev-3746	646	36	foreclosure	foreclosure	NOUN
inlawrev-3746	646	37	.	.	PUNCT
inlawrev-3746	647	1	if	if	SCONJ
inlawrev-3746	647	2	a	a	DET
inlawrev-3746	647	3	universal	universal	ADJ
inlawrev-3746	647	4	foreclosure	foreclosure	NOUN
inlawrev-3746	647	5	program	program	NOUN
inlawrev-3746	647	6	is	be	AUX
inlawrev-3746	647	7	instituted	institute	VERB
inlawrev-3746	647	8	,	,	PUNCT
inlawrev-3746	647	9	it	it	PRON
inlawrev-3746	647	10	will	will	AUX
inlawrev-3746	647	11	likely	likely	ADV
inlawrev-3746	647	12	take	take	VERB
inlawrev-3746	647	13	the	the	DET
inlawrev-3746	647	14	form	form	NOUN
inlawrev-3746	647	15	of	of	ADP
inlawrev-3746	647	16	nonjudicial	nonjudicial	ADJ
inlawrev-3746	647	17	foreclosure	foreclosure	NOUN
inlawrev-3746	647	18	because	because	SCONJ
inlawrev-3746	647	19	ofits	ofit	NOUN
inlawrev-3746	647	20	time	time	NOUN
inlawrev-3746	647	21	and	and	CCONJ
inlawrev-3746	647	22	cost	cost	NOUN
inlawrev-3746	647	23	advantages	advantage	NOUN
inlawrev-3746	647	24	.	.	PUNCT
inlawrev-3746	648	1	congress	congress	PROPN
inlawrev-3746	648	2	followed	follow	VERB
inlawrev-3746	648	3	this	this	DET
inlawrev-3746	648	4	logic	logic	NOUN
inlawrev-3746	648	5	in	in	ADP
inlawrev-3746	648	6	enacting	enact	VERB
inlawrev-3746	648	7	the	the	DET
inlawrev-3746	648	8	multi	multi	ADJ
inlawrev-3746	648	9	-	-	ADJ
inlawrev-3746	648	10	family	family	ADJ
inlawrev-3746	648	11	mortgage	mortgage	NOUN
inlawrev-3746	648	12	foreclosure	foreclosure	NOUN
inlawrev-3746	648	13	act	act	NOUN
inlawrev-3746	648	14	and	and	CCONJ
inlawrev-3746	648	15	single	single	ADJ
inlawrev-3746	648	16	-	-	PUNCT
inlawrev-3746	648	17	family	family	NOUN
inlawrev-3746	648	18	mortgage	mortgage	NOUN
inlawrev-3746	648	19	foreclosure	foreclosure	NOUN
inlawrev-3746	648	20	act	act	NOUN
inlawrev-3746	648	21	in	in	ADP
inlawrev-3746	648	22	1981	1981	NUM
inlawrev-3746	648	23	and	and	CCONJ
inlawrev-3746	648	24	1994	1994	NUM
inlawrev-3746	648	25	,	,	PUNCT
inlawrev-3746	648	26	respectively	respectively	ADV
inlawrev-3746	648	27	.	.	PUNCT
inlawrev-3746	649	1	125	125	NUM
inlawrev-3746	649	2	the	the	DET
inlawrev-3746	649	3	acts	act	NOUN
inlawrev-3746	649	4	require	require	VERB
inlawrev-3746	649	5	that	that	SCONJ
inlawrev-3746	649	6	all	all	DET
inlawrev-3746	649	7	mortgages	mortgage	NOUN
inlawrev-3746	649	8	held	hold	VERB
inlawrev-3746	649	9	by	by	ADP
inlawrev-3746	649	10	hud	hud	PROPN
inlawrev-3746	649	11	,	,	PUNCT
inlawrev-3746	649	12	which	which	PRON
inlawrev-3746	649	13	includes	include	VERB
inlawrev-3746	649	14	all	all	DET
inlawrev-3746	649	15	fha	fha	PROPN
inlawrev-3746	649	16	loans	loan	NOUN
inlawrev-3746	649	17	,	,	PUNCT
inlawrev-3746	649	18	be	be	AUX
inlawrev-3746	649	19	foreclosed	foreclose	VERB
inlawrev-3746	649	20	using	use	VERB
inlawrev-3746	649	21	nonjudicial	nonjudicial	ADJ
inlawrev-3746	649	22	foreclosure	foreclosure	NOUN
inlawrev-3746	649	23	even	even	ADV
inlawrev-3746	649	24	ifthe	ifthe	PROPN
inlawrev-3746	649	25	state	state	NOUN
inlawrev-3746	649	26	prohibits	prohibit	VERB
inlawrev-3746	649	27	the	the	DET
inlawrev-3746	649	28	action	action	NOUN
inlawrev-3746	649	29	.	.	PUNCT
inlawrev-3746	650	1	126	126	NUM
inlawrev-3746	651	1	due	due	ADP
inlawrev-3746	651	2	to	to	ADP
inlawrev-3746	651	3	the	the	DET
inlawrev-3746	651	4	widespread	widespread	ADJ
inlawrev-3746	651	5	use	use	NOUN
inlawrev-3746	651	6	of	of	ADP
inlawrev-3746	651	7	fha	fha	PROPN
inlawrev-3746	651	8	programs	program	NOUN
inlawrev-3746	651	9	,	,	PUNCT
inlawrev-3746	651	10	the	the	DET
inlawrev-3746	651	11	acts	act	NOUN
inlawrev-3746	651	12	have	have	AUX
inlawrev-3746	651	13	had	have	VERB
inlawrev-3746	651	14	the	the	DET
inlawrev-3746	651	15	ability	ability	NOUN
inlawrev-3746	651	16	to	to	PART
inlawrev-3746	651	17	exert	exert	VERB
inlawrev-3746	651	18	significant	significant	ADJ
inlawrev-3746	651	19	influence	influence	NOUN
inlawrev-3746	651	20	.	.	PUNCT
inlawrev-3746	652	1	however	however	ADV
inlawrev-3746	652	2	,	,	PUNCT
inlawrev-3746	652	3	other	other	ADJ
inlawrev-3746	652	4	problems	problem	NOUN
inlawrev-3746	652	5	with	with	ADP
inlawrev-3746	652	6	the	the	DET
inlawrev-3746	652	7	fha	fha	PROPN
inlawrev-3746	652	8	's	's	PART
inlawrev-3746	652	9	policies	policy	NOUN
inlawrev-3746	652	10	have	have	AUX
inlawrev-3746	652	11	prevented	prevent	VERB
inlawrev-3746	652	12	the	the	DET
inlawrev-3746	652	13	agency	agency	NOUN
inlawrev-3746	652	14	from	from	ADP
inlawrev-3746	652	15	having	have	VERB
inlawrev-3746	652	16	a	a	DET
inlawrev-3746	652	17	positive	positive	ADJ
inlawrev-3746	652	18	effect	effect	NOUN
inlawrev-3746	652	19	on	on	ADP
inlawrev-3746	652	20	foreclosure	foreclosure	NOUN
inlawrev-3746	652	21	rates	rate	NOUN
inlawrev-3746	652	22	.	.	PUNCT
inlawrev-3746	653	1	additionally	additionally	ADV
inlawrev-3746	653	2	,	,	PUNCT
inlawrev-3746	653	3	during	during	ADP
inlawrev-3746	653	4	the	the	DET
inlawrev-3746	653	5	transition	transition	NOUN
inlawrev-3746	653	6	from	from	ADP
inlawrev-3746	653	7	judicial	judicial	ADJ
inlawrev-3746	653	8	to	to	ADP
inlawrev-3746	653	9	nonjudicial	nonjudicial	ADJ
inlawrev-3746	653	10	foreclosure	foreclosure	NOUN
inlawrev-3746	653	11	laws	law	NOUN
inlawrev-3746	653	12	,	,	PUNCT
inlawrev-3746	653	13	indiana	indiana	PROPN
inlawrev-3746	653	14	should	should	AUX
inlawrev-3746	653	15	implement	implement	VERB
inlawrev-3746	653	16	loss	loss	NOUN
inlawrev-3746	653	17	mitigation	mitigation	NOUN
inlawrev-3746	653	18	strategies	strategy	NOUN
inlawrev-3746	653	19	similar	similar	ADJ
inlawrev-3746	653	20	to	to	ADP
inlawrev-3746	653	21	those	those	PRON
inlawrev-3746	653	22	used	use	VERB
inlawrev-3746	653	23	by	by	ADP
inlawrev-3746	653	24	the	the	DET
inlawrev-3746	653	25	fha	fha	PROPN
inlawrev-3746	653	26	.	.	PUNCT
inlawrev-3746	654	1	these	these	DET
inlawrev-3746	654	2	agency	agency	NOUN
inlawrev-3746	654	3	programs	program	NOUN
inlawrev-3746	654	4	have	have	AUX
inlawrev-3746	654	5	had	have	VERB
inlawrev-3746	654	6	significant	significant	ADJ
inlawrev-3746	654	7	initial	initial	ADJ
inlawrev-3746	654	8	success	success	NOUN
inlawrev-3746	654	9	and	and	CCONJ
inlawrev-3746	654	10	121	121	NUM
inlawrev-3746	654	11	.	.	PUNCT
inlawrev-3746	655	1	the	the	DET
inlawrev-3746	655	2	average	average	ADJ
inlawrev-3746	655	3	judicial	judicial	ADJ
inlawrev-3746	655	4	foreclosure	foreclosure	NOUN
inlawrev-3746	655	5	process	process	NOUN
inlawrev-3746	655	6	takes	take	VERB
inlawrev-3746	655	7	approximately	approximately	ADV
inlawrev-3746	655	8	one	one	NUM
inlawrev-3746	655	9	year	year	NOUN
inlawrev-3746	655	10	to	to	PART
inlawrev-3746	655	11	complete	complete	VERB
inlawrev-3746	655	12	,	,	PUNCT
inlawrev-3746	655	13	whereas	whereas	SCONJ
inlawrev-3746	655	14	the	the	DET
inlawrev-3746	655	15	average	average	ADJ
inlawrev-3746	655	16	nonjudicial	nonjudicial	ADJ
inlawrev-3746	655	17	foreclosure	foreclosure	NOUN
inlawrev-3746	655	18	lasts	last	VERB
inlawrev-3746	655	19	only	only	ADV
inlawrev-3746	655	20	four	four	NUM
inlawrev-3746	655	21	months	month	NOUN
inlawrev-3746	655	22	.	.	PUNCT
inlawrev-3746	656	1	nelson	nelson	PROPN
inlawrev-3746	656	2	a.	a.	PROPN
inlawrev-3746	656	3	diaz	diaz	PROPN
inlawrev-3746	656	4	,	,	PUNCT
inlawrev-3746	656	5	hud	hud	PROPN
inlawrev-3746	656	6	's	's	PART
inlawrev-3746	656	7	new	new	ADJ
inlawrev-3746	656	8	foreclosure	foreclosure	NOUN
inlawrev-3746	656	9	act	act	NOUN
inlawrev-3746	656	10	cutting	cut	VERB
inlawrev-3746	656	11	losses	loss	NOUN
inlawrev-3746	656	12	and	and	CCONJ
inlawrev-3746	656	13	improving	improve	VERB
inlawrev-3746	656	14	business	business	NOUN
inlawrev-3746	656	15	management	management	NOUN
inlawrev-3746	656	16	,	,	PUNCT
inlawrev-3746	656	17	75	75	NUM
inlawrev-3746	656	18	mich	mich	PROPN
inlawrev-3746	656	19	.	.	PUNCT
inlawrev-3746	657	1	b.j	b.j	PROPN
inlawrev-3746	657	2	.	.	PROPN
inlawrev-3746	657	3	532	532	NUM
inlawrev-3746	657	4	,	,	PUNCT
inlawrev-3746	657	5	533	533	NUM
inlawrev-3746	657	6	(	(	PUNCT
inlawrev-3746	657	7	1996	1996	NUM
inlawrev-3746	657	8	)	)	PUNCT
inlawrev-3746	657	9	.	.	PUNCT
inlawrev-3746	658	1	furthermore	furthermore	ADV
inlawrev-3746	658	2	,	,	PUNCT
inlawrev-3746	658	3	as	as	SCONJ
inlawrev-3746	658	4	the	the	DET
inlawrev-3746	658	5	number	number	NOUN
inlawrev-3746	658	6	of	of	ADP
inlawrev-3746	658	7	foreclosures	foreclosure	NOUN
inlawrev-3746	658	8	increases	increase	NOUN
inlawrev-3746	658	9	in	in	ADP
inlawrev-3746	658	10	these	these	DET
inlawrev-3746	658	11	judicial	judicial	ADJ
inlawrev-3746	658	12	foreclosure	foreclosure	NOUN
inlawrev-3746	658	13	states	state	NOUN
inlawrev-3746	658	14	,	,	PUNCT
inlawrev-3746	658	15	courts	court	NOUN
inlawrev-3746	658	16	will	will	AUX
inlawrev-3746	658	17	become	become	AUX
inlawrev-3746	658	18	increasingly	increasingly	ADV
inlawrev-3746	658	19	delayed	delay	VERB
inlawrev-3746	658	20	in	in	ADP
inlawrev-3746	658	21	adjudicating	adjudicate	VERB
inlawrev-3746	658	22	them	they	PRON
inlawrev-3746	658	23	.	.	PUNCT
inlawrev-3746	659	1	this	this	PRON
inlawrev-3746	659	2	will	will	AUX
inlawrev-3746	659	3	further	far	ADV
inlawrev-3746	659	4	compound	compound	VERB
inlawrev-3746	659	5	the	the	DET
inlawrev-3746	659	6	problems	problem	NOUN
inlawrev-3746	659	7	that	that	PRON
inlawrev-3746	659	8	delay	delay	NOUN
inlawrev-3746	659	9	can	can	AUX
inlawrev-3746	659	10	have	have	VERB
inlawrev-3746	659	11	on	on	ADP
inlawrev-3746	659	12	property	property	NOUN
inlawrev-3746	659	13	values	value	NOUN
inlawrev-3746	659	14	and	and	CCONJ
inlawrev-3746	659	15	conditions	condition	NOUN
inlawrev-3746	659	16	.	.	PUNCT
inlawrev-3746	660	1	122	122	NUM
inlawrev-3746	660	2	.	.	PUNCT
inlawrev-3746	661	1	i	i	PRON
inlawrev-3746	661	2	d.	d.	PROPN
inlawrev-3746	661	3	the	the	DET
inlawrev-3746	661	4	existence	existence	NOUN
inlawrev-3746	661	5	ofabandoned	ofabandone	VERB
inlawrev-3746	661	6	homes	home	NOUN
inlawrev-3746	661	7	in	in	ADP
inlawrev-3746	661	8	an	an	DET
inlawrev-3746	661	9	area	area	NOUN
inlawrev-3746	661	10	can	can	AUX
inlawrev-3746	661	11	"	"	PUNCT
inlawrev-3746	661	12	stifle	stifle	VERB
inlawrev-3746	661	13	[	[	X
inlawrev-3746	661	14	the	the	DET
inlawrev-3746	661	15	]	]	X
inlawrev-3746	661	16	values	value	NOUN
inlawrev-3746	661	17	of	of	ADP
inlawrev-3746	661	18	surrounding	surround	VERB
inlawrev-3746	661	19	homes	home	NOUN
inlawrev-3746	661	20	,	,	PUNCT
inlawrev-3746	661	21	.	.	PUNCT
inlawrev-3746	661	22	.	.	PUNCT
inlawrev-3746	661	23	.	.	PUNCT
inlawrev-3746	662	1	increase	increase	VERB
inlawrev-3746	662	2	crime	crime	NOUN
inlawrev-3746	662	3	and	and	CCONJ
inlawrev-3746	662	4	cripple	cripple	VERB
inlawrev-3746	662	5	economic	economic	ADJ
inlawrev-3746	662	6	development	development	NOUN
inlawrev-3746	662	7	.	.	PUNCT
inlawrev-3746	662	8	"	"	PUNCT
inlawrev-3746	663	1	john	john	PROPN
inlawrev-3746	663	2	fritze	fritze	PROPN
inlawrev-3746	663	3	,	,	PUNCT
inlawrev-3746	663	4	abandoned	abandon	VERB
inlawrev-3746	663	5	homes	home	NOUN
inlawrev-3746	663	6	still	still	ADV
inlawrev-3746	663	7	a	a	DET
inlawrev-3746	663	8	problem	problem	NOUN
inlawrev-3746	663	9	;	;	PUNCT
inlawrev-3746	663	10	city	city	NOUN
inlawrev-3746	663	11	might	might	AUX
inlawrev-3746	663	12	come	come	VERB
inlawrev-3746	663	13	down	down	ADP
inlawrev-3746	663	14	harder	hard	ADV
inlawrev-3746	663	15	on	on	ADP
inlawrev-3746	663	16	owners	owner	NOUN
inlawrev-3746	663	17	;	;	PUNCT
inlawrev-3746	663	18	neighbors	neighbor	NOUN
inlawrev-3746	663	19	uneasy	uneasy	VERB
inlawrev-3746	663	20	with	with	ADP
inlawrev-3746	663	21	crime	crime	NOUN
inlawrev-3746	663	22	,	,	PUNCT
inlawrev-3746	663	23	the	the	DET
inlawrev-3746	663	24	homeless	homeless	PROPN
inlawrev-3746	663	25	,	,	PUNCT
inlawrev-3746	663	26	indianapolis	indianapolis	PROPN
inlawrev-3746	663	27	star	star	PROPN
inlawrev-3746	663	28	,	,	PUNCT
inlawrev-3746	663	29	oct	oct	PROPN
inlawrev-3746	663	30	.	.	PROPN
inlawrev-3746	663	31	15	15	NUM
inlawrev-3746	663	32	,	,	PUNCT
inlawrev-3746	663	33	2004	2004	NUM
inlawrev-3746	663	34	,	,	PUNCT
inlawrev-3746	663	35	at	at	ADP
inlawrev-3746	663	36	1a	1a	NUM
inlawrev-3746	663	37	.	.	PUNCT
inlawrev-3746	664	1	123	123	NUM
inlawrev-3746	664	2	.	.	PUNCT
inlawrev-3746	665	1	not	not	PART
inlawrev-3746	665	2	surprisingly	surprisingly	ADV
inlawrev-3746	665	3	,	,	PUNCT
inlawrev-3746	665	4	the	the	DET
inlawrev-3746	665	5	department	department	NOUN
inlawrev-3746	665	6	of	of	ADP
inlawrev-3746	665	7	housing	housing	PROPN
inlawrev-3746	665	8	and	and	CCONJ
inlawrev-3746	665	9	urban	urban	ADJ
inlawrev-3746	665	10	development	development	NOUN
inlawrev-3746	665	11	,	,	PUNCT
inlawrev-3746	665	12	whose	whose	DET
inlawrev-3746	665	13	large	large	ADJ
inlawrev-3746	665	14	presence	presence	NOUN
inlawrev-3746	665	15	in	in	ADP
inlawrev-3746	665	16	indiana	indiana	PROPN
inlawrev-3746	665	17	has	have	AUX
inlawrev-3746	665	18	been	be	AUX
inlawrev-3746	665	19	previously	previously	ADV
inlawrev-3746	665	20	addressed	address	VERB
inlawrev-3746	665	21	,	,	PUNCT
inlawrev-3746	665	22	owns	own	VERB
inlawrev-3746	665	23	the	the	DET
inlawrev-3746	665	24	largest	large	ADJ
inlawrev-3746	665	25	share	share	NOUN
inlawrev-3746	665	26	of	of	ADP
inlawrev-3746	665	27	these	these	DET
inlawrev-3746	665	28	abandoned	abandon	VERB
inlawrev-3746	665	29	homes	home	NOUN
inlawrev-3746	665	30	.	.	PUNCT
inlawrev-3746	666	1	i	i	PRON
inlawrev-3746	666	2	d.	d.	PROPN
inlawrev-3746	666	3	1	1	NUM
inlawrev-3746	666	4	24	24	NUM
inlawrev-3746	666	5	.	.	PUNCT
inlawrev-3746	667	1	the	the	DET
inlawrev-3746	667	2	city	city	NOUN
inlawrev-3746	667	3	ofindianapolis	ofindianapolis	PROPN
inlawrev-3746	667	4	proposed	propose	VERB
inlawrev-3746	667	5	increased	increase	VERB
inlawrev-3746	667	6	fines	fine	NOUN
inlawrev-3746	667	7	for	for	ADP
inlawrev-3746	667	8	owners	owner	NOUN
inlawrev-3746	667	9	ofabandoned	ofabandone	VERB
inlawrev-3746	667	10	homes	home	NOUN
inlawrev-3746	667	11	,	,	PUNCT
inlawrev-3746	667	12	passthrough	passthrough	NOUN
inlawrev-3746	667	13	taxation	taxation	NOUN
inlawrev-3746	667	14	for	for	ADP
inlawrev-3746	667	15	any	any	DET
inlawrev-3746	667	16	repair	repair	NOUN
inlawrev-3746	667	17	costs	cost	NOUN
inlawrev-3746	667	18	,	,	PUNCT
inlawrev-3746	667	19	and	and	CCONJ
inlawrev-3746	667	20	appointment	appointment	NOUN
inlawrev-3746	667	21	ofreceivers	ofreceiver	NOUN
inlawrev-3746	667	22	to	to	PART
inlawrev-3746	667	23	take	take	VERB
inlawrev-3746	667	24	control	control	NOUN
inlawrev-3746	667	25	ofthe	ofthe	ADJ
inlawrev-3746	667	26	property	property	NOUN
inlawrev-3746	667	27	and	and	CCONJ
inlawrev-3746	667	28	resell	resell	VERB
inlawrev-3746	667	29	it	it	PRON
inlawrev-3746	667	30	once	once	ADV
inlawrev-3746	667	31	repairs	repair	NOUN
inlawrev-3746	667	32	were	be	AUX
inlawrev-3746	667	33	made	make	VERB
inlawrev-3746	667	34	.	.	PUNCT
inlawrev-3746	668	1	i	i	PRON
inlawrev-3746	668	2	d.	d.	PROPN
inlawrev-3746	668	3	125	125	NUM
inlawrev-3746	668	4	.	.	PUNCT
inlawrev-3746	669	1	see	see	VERB
inlawrev-3746	669	2	diaz	diaz	PROPN
inlawrev-3746	669	3	,	,	PUNCT
inlawrev-3746	669	4	supra	supra	PROPN
inlawrev-3746	669	5	note	note	PROPN
inlawrev-3746	669	6	121	121	NUM
inlawrev-3746	669	7	,	,	PUNCT
inlawrev-3746	669	8	at	at	ADP
inlawrev-3746	669	9	532	532	NUM
inlawrev-3746	669	10	.	.	PUNCT
inlawrev-3746	670	1	the	the	DET
inlawrev-3746	670	2	multi	multi	ADJ
inlawrev-3746	670	3	-	-	ADJ
inlawrev-3746	670	4	family	family	ADJ
inlawrev-3746	670	5	mortgage	mortgage	NOUN
inlawrev-3746	670	6	foreclosure	foreclosure	NOUN
inlawrev-3746	670	7	act	act	NOUN
inlawrev-3746	670	8	is	be	AUX
inlawrev-3746	670	9	codified	codify	VERB
inlawrev-3746	670	10	under	under	ADP
inlawrev-3746	670	11	12	12	NUM
inlawrev-3746	670	12	u.s.c	u.s.c	ADJ
inlawrev-3746	670	13	.	.	PUNCT
inlawrev-3746	671	1	§	§	PROPN
inlawrev-3746	671	2	§	§	PROPN
inlawrev-3746	671	3	3701	3701	NUM
inlawrev-3746	671	4	-	-	SYM
inlawrev-3746	671	5	3717	3717	NUM
inlawrev-3746	671	6	(	(	PUNCT
inlawrev-3746	671	7	2000	2000	NUM
inlawrev-3746	671	8	)	)	PUNCT
inlawrev-3746	671	9	.	.	PUNCT
inlawrev-3746	672	1	the	the	DET
inlawrev-3746	672	2	single	single	ADJ
inlawrev-3746	672	3	-	-	PUNCT
inlawrev-3746	672	4	family	family	NOUN
inlawrev-3746	672	5	mortgage	mortgage	NOUN
inlawrev-3746	672	6	foreclosure	foreclosure	PROPN
inlawrev-3746	672	7	act	act	NOUN
inlawrev-3746	672	8	,	,	PUNCT
inlawrev-3746	672	9	which	which	PRON
inlawrev-3746	672	10	applies	apply	VERB
inlawrev-3746	672	11	to	to	ADP
inlawrev-3746	672	12	mortgages	mortgage	NOUN
inlawrev-3746	672	13	for	for	ADP
inlawrev-3746	672	14	one	one	NUM
inlawrev-3746	672	15	to	to	PART
inlawrev-3746	672	16	four	four	NUM
inlawrev-3746	672	17	families	family	NOUN
inlawrev-3746	672	18	,	,	PUNCT
inlawrev-3746	672	19	is	be	AUX
inlawrev-3746	672	20	codified	codify	VERB
inlawrev-3746	672	21	under	under	ADP
inlawrev-3746	672	22	12	12	NUM
inlawrev-3746	672	23	u.s.c	u.s.c	ADJ
inlawrev-3746	672	24	.	.	PUNCT
inlawrev-3746	673	1	§	§	PROPN
inlawrev-3746	673	2	§	§	PROPN
inlawrev-3746	673	3	3751	3751	NUM
inlawrev-3746	673	4	-	-	SYM
inlawrev-3746	673	5	3768	3768	NUM
inlawrev-3746	673	6	(	(	PUNCT
inlawrev-3746	673	7	2000	2000	NUM
inlawrev-3746	673	8	)	)	PUNCT
inlawrev-3746	673	9	.	.	PUNCT
inlawrev-3746	674	1	126	126	NUM
inlawrev-3746	674	2	.	.	PUNCT
inlawrev-3746	675	1	diaz	diaz	PROPN
inlawrev-3746	675	2	,	,	PUNCT
inlawrev-3746	675	3	supra	supra	PROPN
inlawrev-3746	675	4	note	note	PROPN
inlawrev-3746	675	5	121	121	NUM
inlawrev-3746	675	6	,	,	PUNCT
inlawrev-3746	675	7	at	at	ADP
inlawrev-3746	675	8	532	532	NUM
inlawrev-3746	675	9	.	.	NUM
inlawrev-3746	675	10	108	108	NUM
inlawrev-3746	675	11	indiana	indiana	PROPN
inlawrev-3746	675	12	law	law	PROPN
inlawrev-3746	675	13	review	review	NOUN
inlawrev-3746	676	1	[	[	X
inlawrev-3746	676	2	vol	vol	NOUN
inlawrev-3746	676	3	.	.	PUNCT
inlawrev-3746	677	1	39:87	39:87	NUM
inlawrev-3746	677	2	indiana	indiana	NOUN
inlawrev-3746	677	3	could	could	AUX
inlawrev-3746	677	4	easily	easily	ADV
inlawrev-3746	677	5	adopt	adopt	VERB
inlawrev-3746	677	6	them	they	PRON
inlawrev-3746	677	7	.	.	PUNCT
inlawrev-3746	678	1	the	the	DET
inlawrev-3746	678	2	money	money	NOUN
inlawrev-3746	678	3	that	that	PRON
inlawrev-3746	678	4	indiana	indiana	PROPN
inlawrev-3746	678	5	pays	pay	VERB
inlawrev-3746	678	6	in	in	ADP
inlawrev-3746	678	7	the	the	DET
inlawrev-3746	678	8	form	form	NOUN
inlawrev-3746	678	9	of	of	ADP
inlawrev-3746	678	10	judicial	judicial	ADJ
inlawrev-3746	678	11	foreclosure	foreclosure	NOUN
inlawrev-3746	678	12	court	court	NOUN
inlawrev-3746	678	13	costs	cost	NOUN
inlawrev-3746	678	14	and	and	CCONJ
inlawrev-3746	678	15	fails	fail	VERB
inlawrev-3746	678	16	to	to	PART
inlawrev-3746	678	17	collect	collect	VERB
inlawrev-3746	678	18	in	in	ADP
inlawrev-3746	678	19	property	property	NOUN
inlawrev-3746	678	20	taxes	taxis	NOUN
inlawrev-3746	678	21	because	because	SCONJ
inlawrev-3746	678	22	of	of	ADP
inlawrev-3746	678	23	depressed	depressed	ADJ
inlawrev-3746	678	24	property	property	NOUN
inlawrev-3746	678	25	values	value	NOUN
inlawrev-3746	678	26	could	could	AUX
inlawrev-3746	678	27	be	be	AUX
inlawrev-3746	678	28	better	well	ADV
inlawrev-3746	678	29	applied	apply	VERB
inlawrev-3746	678	30	toward	toward	ADP
inlawrev-3746	678	31	rewarding	rewarding	ADJ
inlawrev-3746	678	32	lenders	lender	NOUN
inlawrev-3746	678	33	who	who	PRON
inlawrev-3746	678	34	provide	provide	VERB
inlawrev-3746	678	35	alternatives	alternative	NOUN
inlawrev-3746	678	36	to	to	ADP
inlawrev-3746	678	37	borrowers	borrower	NOUN
inlawrev-3746	678	38	who	who	PRON
inlawrev-3746	678	39	have	have	AUX
inlawrev-3746	678	40	defaulted	default	VERB
inlawrev-3746	678	41	.	.	PUNCT
inlawrev-3746	679	1	the	the	DET
inlawrev-3746	679	2	state	state	NOUN
inlawrev-3746	679	3	would	would	AUX
inlawrev-3746	679	4	likely	likely	ADV
inlawrev-3746	679	5	not	not	PART
inlawrev-3746	679	6	be	be	AUX
inlawrev-3746	679	7	able	able	ADJ
inlawrev-3746	679	8	to	to	PART
inlawrev-3746	679	9	require	require	VERB
inlawrev-3746	679	10	lenders	lender	NOUN
inlawrev-3746	679	11	to	to	PART
inlawrev-3746	679	12	pursue	pursue	VERB
inlawrev-3746	679	13	these	these	DET
inlawrev-3746	679	14	mitigation	mitigation	NOUN
inlawrev-3746	679	15	strategies	strategy	NOUN
inlawrev-3746	679	16	like	like	ADP
inlawrev-3746	679	17	the	the	DET
inlawrev-3746	679	18	fha	fha	NOUN
inlawrev-3746	679	19	,	,	PUNCT
inlawrev-3746	679	20	but	but	CCONJ
inlawrev-3746	679	21	offering	offer	VERB
inlawrev-3746	679	22	attractive	attractive	ADJ
inlawrev-3746	679	23	incentives	incentive	NOUN
inlawrev-3746	679	24	could	could	AUX
inlawrev-3746	679	25	begin	begin	VERB
inlawrev-3746	679	26	adequate	adequate	ADJ
inlawrev-3746	679	27	participation	participation	NOUN
inlawrev-3746	679	28	to	to	PART
inlawrev-3746	679	29	warrant	warrant	VERB
inlawrev-3746	679	30	the	the	DET
inlawrev-3746	679	31	introduction	introduction	NOUN
inlawrev-3746	679	32	of	of	ADP
inlawrev-3746	679	33	such	such	DET
inlawrev-3746	679	34	a	a	DET
inlawrev-3746	679	35	mandatory	mandatory	ADJ
inlawrev-3746	679	36	program	program	NOUN
inlawrev-3746	679	37	.	.	PUNCT
inlawrev-3746	680	1	\	\	PROPN
inlawrev-3746	680	2	c.	c.	PROPN
inlawrev-3746	680	3	proposed	propose	VERB
inlawrev-3746	680	4	changes	change	NOUN
inlawrev-3746	680	5	to	to	ADP
inlawrev-3746	680	6	the	the	DET
inlawrev-3746	680	7	fha	fha	PROPN
inlawrev-3746	680	8	program	program	NOUN
inlawrev-3746	680	9	although	although	SCONJ
inlawrev-3746	680	10	the	the	DET
inlawrev-3746	680	11	fha	fha	PROPN
inlawrev-3746	680	12	has	have	AUX
inlawrev-3746	680	13	been	be	AUX
inlawrev-3746	680	14	in	in	ADP
inlawrev-3746	680	15	place	place	NOUN
inlawrev-3746	680	16	for	for	ADP
inlawrev-3746	680	17	over	over	ADP
inlawrev-3746	680	18	seventy	seventy	NUM
inlawrev-3746	680	19	years	year	NOUN
inlawrev-3746	680	20	,	,	PUNCT
inlawrev-3746	680	21	it	it	PRON
inlawrev-3746	680	22	still	still	ADV
inlawrev-3746	680	23	needs	need	VERB
inlawrev-3746	680	24	refinement	refinement	NOUN
inlawrev-3746	680	25	.	.	PUNCT
inlawrev-3746	681	1	the	the	DET
inlawrev-3746	681	2	most	most	ADV
inlawrev-3746	681	3	drastic	drastic	ADJ
inlawrev-3746	681	4	change	change	NOUN
inlawrev-3746	681	5	for	for	ADP
inlawrev-3746	681	6	the	the	DET
inlawrev-3746	681	7	fha	fha	PROPN
inlawrev-3746	681	8	would	would	AUX
inlawrev-3746	681	9	be	be	AUX
inlawrev-3746	681	10	its	its	PRON
inlawrev-3746	681	11	dissolution	dissolution	NOUN
inlawrev-3746	681	12	,	,	PUNCT
inlawrev-3746	681	13	an	an	DET
inlawrev-3746	681	14	idea	idea	NOUN
inlawrev-3746	681	15	that	that	PRON
inlawrev-3746	681	16	has	have	AUX
inlawrev-3746	681	17	been	be	AUX
inlawrev-3746	681	18	considered	consider	VERB
inlawrev-3746	681	19	in	in	ADP
inlawrev-3746	681	20	the	the	DET
inlawrev-3746	681	21	past	past	NOUN
inlawrev-3746	681	22	.	.	PUNCT
inlawrev-3746	682	1	"	"	PUNCT
inlawrev-3746	682	2	[	[	X
inlawrev-3746	682	3	m]any	m]any	NOUN
inlawrev-3746	682	4	people	people	NOUN
inlawrev-3746	682	5	(	(	PUNCT
inlawrev-3746	682	6	including	include	VERB
inlawrev-3746	682	7	many	many	ADJ
inlawrev-3746	682	8	members	member	NOUN
inlawrev-3746	682	9	of	of	ADP
inlawrev-3746	682	10	congress	congress	PROPN
inlawrev-3746	682	11	)	)	PUNCT
inlawrev-3746	682	12	have	have	AUX
inlawrev-3746	682	13	questioned	question	VERB
inlawrev-3746	682	14	the	the	DET
inlawrev-3746	682	15	usefulness	usefulness	NOUN
inlawrev-3746	682	16	of	of	ADP
inlawrev-3746	682	17	the	the	DET
inlawrev-3746	682	18	fha	fha	NOUN
inlawrev-3746	682	19	and	and	CCONJ
inlawrev-3746	682	20	suggest	suggest	VERB
inlawrev-3746	682	21	that	that	SCONJ
inlawrev-3746	682	22	its	its	PRON
inlawrev-3746	682	23	role	role	NOUN
inlawrev-3746	682	24	would	would	AUX
inlawrev-3746	682	25	be	be	AUX
inlawrev-3746	682	26	better	well	ADV
inlawrev-3746	682	27	performed	perform	VERB
inlawrev-3746	682	28	by	by	ADP
inlawrev-3746	682	29	the	the	DET
inlawrev-3746	682	30	private	private	ADJ
inlawrev-3746	682	31	sector	sector	NOUN
inlawrev-3746	682	32	,	,	PUNCT
inlawrev-3746	682	33	"	"	PUNCT
inlawrev-3746	682	34	where	where	SCONJ
inlawrev-3746	682	35	financial	financial	ADJ
inlawrev-3746	682	36	markets	market	NOUN
inlawrev-3746	682	37	are	be	AUX
inlawrev-3746	682	38	stronger	strong	ADJ
inlawrev-3746	682	39	and	and	CCONJ
inlawrev-3746	682	40	more	more	ADV
inlawrev-3746	682	41	sophisticated	sophisticated	ADJ
inlawrev-3746	682	42	than	than	SCONJ
inlawrev-3746	682	43	they	they	PRON
inlawrev-3746	682	44	used	use	VERB
inlawrev-3746	682	45	to	to	PART
inlawrev-3746	682	46	be	be	AUX
inlawrev-3746	682	47	.	.	PUNCT
inlawrev-3746	683	1	127	127	NUM
inlawrev-3746	683	2	indeed	indeed	ADV
inlawrev-3746	683	3	,	,	PUNCT
inlawrev-3746	683	4	the	the	DET
inlawrev-3746	683	5	strong	strong	ADJ
inlawrev-3746	683	6	competition	competition	NOUN
inlawrev-3746	683	7	ofthe	ofthe	VERB
inlawrev-3746	683	8	private	private	ADJ
inlawrev-3746	683	9	mortgage	mortgage	NOUN
inlawrev-3746	683	10	insurance	insurance	NOUN
inlawrev-3746	683	11	market	market	NOUN
inlawrev-3746	683	12	shows	show	VERB
inlawrev-3746	683	13	that	that	SCONJ
inlawrev-3746	683	14	it	it	PRON
inlawrev-3746	683	15	could	could	AUX
inlawrev-3746	683	16	be	be	AUX
inlawrev-3746	683	17	capable	capable	ADJ
inlawrev-3746	683	18	ofproviding	ofprovide	VERB
inlawrev-3746	683	19	inexpensive	inexpensive	ADJ
inlawrev-3746	683	20	insurance	insurance	NOUN
inlawrev-3746	683	21	for	for	ADP
inlawrev-3746	683	22	all	all	DET
inlawrev-3746	683	23	borrowers	borrower	NOUN
inlawrev-3746	683	24	.	.	PUNCT
inlawrev-3746	684	1	in	in	ADP
inlawrev-3746	684	2	addition	addition	NOUN
inlawrev-3746	684	3	to	to	ADP
inlawrev-3746	684	4	the	the	DET
inlawrev-3746	684	5	numerous	numerous	ADJ
inlawrev-3746	684	6	logistical	logistical	ADJ
inlawrev-3746	684	7	difficulties	difficulty	NOUN
inlawrev-3746	684	8	of	of	ADP
inlawrev-3746	684	9	such	such	DET
inlawrev-3746	684	10	a	a	DET
inlawrev-3746	684	11	switch	switch	NOUN
inlawrev-3746	684	12	,	,	PUNCT
inlawrev-3746	684	13	128	128	NUM
inlawrev-3746	684	14	it	it	PRON
inlawrev-3746	684	15	is	be	AUX
inlawrev-3746	684	16	unlikely	unlikely	ADJ
inlawrev-3746	684	17	that	that	SCONJ
inlawrev-3746	684	18	the	the	DET
inlawrev-3746	684	19	federal	federal	ADJ
inlawrev-3746	684	20	government	government	NOUN
inlawrev-3746	684	21	will	will	AUX
inlawrev-3746	684	22	dissolve	dissolve	VERB
inlawrev-3746	684	23	such	such	DET
inlawrev-3746	684	24	a	a	DET
inlawrev-3746	684	25	longstanding	longstanding	ADJ
inlawrev-3746	684	26	and	and	CCONJ
inlawrev-3746	684	27	historically	historically	ADV
inlawrev-3746	684	28	significant	significant	ADJ
inlawrev-3746	684	29	agency	agency	NOUN
inlawrev-3746	684	30	.	.	PUNCT
inlawrev-3746	685	1	therefore	therefore	ADV
inlawrev-3746	685	2	,	,	PUNCT
inlawrev-3746	685	3	the	the	DET
inlawrev-3746	685	4	focus	focus	NOUN
inlawrev-3746	685	5	of	of	ADP
inlawrev-3746	685	6	changing	change	VERB
inlawrev-3746	685	7	the	the	DET
inlawrev-3746	685	8	fha	fha	PROPN
inlawrev-3746	685	9	should	should	AUX
inlawrev-3746	685	10	be	be	AUX
inlawrev-3746	685	11	on	on	ADP
inlawrev-3746	685	12	improving	improve	VERB
inlawrev-3746	685	13	its	its	PRON
inlawrev-3746	685	14	practices	practice	NOUN
inlawrev-3746	685	15	.	.	PUNCT
inlawrev-3746	686	1	1	1	X
inlawrev-3746	686	2	.	.	X
inlawrev-3746	686	3	mandatory	mandatory	ADJ
inlawrev-3746	686	4	mortgage	mortgage	NOUN
inlawrev-3746	686	5	counseling.—the	counseling.—the	DET
inlawrev-3746	686	6	first	first	ADJ
inlawrev-3746	686	7	,	,	PUNCT
inlawrev-3746	686	8	and	and	CCONJ
inlawrev-3746	686	9	perhaps	perhaps	ADV
inlawrev-3746	686	10	most	most	ADV
inlawrev-3746	686	11	significant	significant	ADJ
inlawrev-3746	686	12	,	,	PUNCT
inlawrev-3746	686	13	change	change	VERB
inlawrev-3746	686	14	that	that	SCONJ
inlawrev-3746	686	15	the	the	DET
inlawrev-3746	686	16	fha	fha	PROPN
inlawrev-3746	686	17	should	should	AUX
inlawrev-3746	686	18	implement	implement	VERB
inlawrev-3746	686	19	is	be	AUX
inlawrev-3746	686	20	requiring	require	VERB
inlawrev-3746	686	21	homeowner	homeowner	NOUN
inlawrev-3746	686	22	counseling	counseling	NOUN
inlawrev-3746	686	23	for	for	ADP
inlawrev-3746	686	24	all	all	DET
inlawrev-3746	686	25	first	first	ADJ
inlawrev-3746	686	26	-	-	PUNCT
inlawrev-3746	686	27	time	time	NOUN
inlawrev-3746	686	28	borrowers	borrower	NOUN
inlawrev-3746	686	29	.	.	PUNCT
inlawrev-3746	687	1	the	the	DET
inlawrev-3746	687	2	fha	fha	PROPN
inlawrev-3746	687	3	's	's	PART
inlawrev-3746	687	4	insureds	insured	NOUN
inlawrev-3746	687	5	are	be	AUX
inlawrev-3746	687	6	largely	largely	ADV
inlawrev-3746	687	7	comprised	comprise	VERB
inlawrev-3746	687	8	offirst	offirst	ADJ
inlawrev-3746	687	9	-	-	PUNCT
inlawrev-3746	687	10	time	time	NOUN
inlawrev-3746	687	11	borrowers	borrower	NOUN
inlawrev-3746	687	12	unfamiliar	unfamiliar	ADJ
inlawrev-3746	687	13	with	with	ADP
inlawrev-3746	687	14	the	the	DET
inlawrev-3746	687	15	mortgage	mortgage	NOUN
inlawrev-3746	687	16	process	process	NOUN
inlawrev-3746	687	17	.	.	PUNCT
inlawrev-3746	688	1	129	129	NUM
inlawrev-3746	688	2	there	there	PRON
inlawrev-3746	688	3	are	be	VERB
inlawrev-3746	688	4	currently	currently	ADV
inlawrev-3746	688	5	few	few	ADJ
inlawrev-3746	688	6	government	government	NOUN
inlawrev-3746	688	7	and	and	CCONJ
inlawrev-3746	688	8	local	local	ADJ
inlawrev-3746	688	9	consumer	consumer	NOUN
inlawrev-3746	688	10	-	-	PUNCT
inlawrev-3746	688	11	education	education	NOUN
inlawrev-3746	688	12	programs	program	NOUN
inlawrev-3746	688	13	and	and	CCONJ
inlawrev-3746	688	14	,	,	PUNCT
inlawrev-3746	688	15	due	due	ADP
inlawrev-3746	688	16	to	to	ADP
inlawrev-3746	688	17	industry	industry	NOUN
inlawrev-3746	688	18	opposition	opposition	NOUN
inlawrev-3746	688	19	and	and	CCONJ
inlawrev-3746	688	20	cost	cost	NOUN
inlawrev-3746	688	21	concerns	concern	NOUN
inlawrev-3746	688	22	,	,	PUNCT
inlawrev-3746	688	23	they	they	PRON
inlawrev-3746	688	24	may	may	AUX
inlawrev-3746	688	25	be	be	AUX
inlawrev-3746	688	26	slow	slow	ADJ
inlawrev-3746	688	27	to	to	PART
inlawrev-3746	688	28	expand	expand	VERB
inlawrev-3746	688	29	.	.	PUNCT
inlawrev-3746	689	1	130	130	NUM
inlawrev-3746	689	2	thus	thus	ADV
inlawrev-3746	689	3	,	,	PUNCT
inlawrev-3746	689	4	it	it	PRON
inlawrev-3746	689	5	is	be	AUX
inlawrev-3746	689	6	even	even	ADV
inlawrev-3746	689	7	more	more	ADV
inlawrev-3746	689	8	essential	essential	ADJ
inlawrev-3746	689	9	that	that	SCONJ
inlawrev-3746	689	10	these	these	DET
inlawrev-3746	689	11	fha	fha	PROPN
inlawrev-3746	689	12	borrowers	borrower	NOUN
inlawrev-3746	689	13	receive	receive	VERB
inlawrev-3746	689	14	adequate	adequate	ADJ
inlawrev-3746	689	15	information	information	NOUN
inlawrev-3746	689	16	before	before	ADP
inlawrev-3746	689	17	undertaking	undertake	VERB
inlawrev-3746	689	18	such	such	DET
inlawrev-3746	689	19	a	a	DET
inlawrev-3746	689	20	monumental	monumental	ADJ
inlawrev-3746	689	21	investment	investment	NOUN
inlawrev-3746	689	22	.	.	PUNCT
inlawrev-3746	690	1	as	as	ADP
inlawrev-3746	690	2	of2003	of2003	PROPN
inlawrev-3746	690	3	,	,	PUNCT
inlawrev-3746	690	4	only	only	ADV
inlawrev-3746	690	5	three	three	NUM
inlawrev-3746	690	6	states	state	NOUN
inlawrev-3746	690	7	required	require	VERB
inlawrev-3746	690	8	pre	pre	ADJ
inlawrev-3746	690	9	-	-	ADJ
inlawrev-3746	690	10	foreclosure	foreclosure	ADJ
inlawrev-3746	690	11	counseling	counseling	NOUN
inlawrev-3746	690	12	:	:	PUNCT
inlawrev-3746	690	13	georgia	georgia	PROPN
inlawrev-3746	690	14	,	,	PUNCT
inlawrev-3746	690	15	127	127	NUM
inlawrev-3746	690	16	.	.	PUNCT
inlawrev-3746	691	1	albert	albert	PROPN
inlawrev-3746	691	2	monroe	monroe	PROPN
inlawrev-3746	691	3	,	,	PUNCT
inlawrev-3746	691	4	how	how	SCONJ
inlawrev-3746	691	5	the	the	DET
inlawrev-3746	691	6	federal	federal	ADJ
inlawrev-3746	691	7	housing	housing	PROPN
inlawrev-3746	691	8	administration	administration	PROPN
inlawrev-3746	691	9	affects	affect	VERB
inlawrev-3746	691	10	homeownership	homeownership	NOUN
inlawrev-3746	691	11	4	4	NUM
inlawrev-3746	691	12	(	(	PUNCT
inlawrev-3746	691	13	harvard	harvard	PROPN
inlawrev-3746	691	14	university	university	PROPN
inlawrev-3746	691	15	joint	joint	ADJ
inlawrev-3746	691	16	center	center	NOUN
inlawrev-3746	691	17	for	for	ADP
inlawrev-3746	691	18	housing	housing	NOUN
inlawrev-3746	691	19	studies	study	NOUN
inlawrev-3746	691	20	,	,	PUNCT
inlawrev-3746	691	21	working	work	VERB
inlawrev-3746	691	22	paper	paper	NOUN
inlawrev-3746	691	23	w02	w02	NOUN
inlawrev-3746	691	24	-	-	PUNCT
inlawrev-3746	691	25	4	4	NUM
inlawrev-3746	691	26	,	,	PUNCT
inlawrev-3746	691	27	2001	2001	NUM
inlawrev-3746	691	28	)	)	PUNCT
inlawrev-3746	691	29	,	,	PUNCT
inlawrev-3746	691	30	available	available	ADJ
inlawrev-3746	691	31	at	at	ADP
inlawrev-3746	691	32	http://wwwjchs.harvard.edu/publications/governmentprograms/monroe_w02-4.pdf	http://wwwjchs.harvard.edu/publications/governmentprograms/monroe_w02-4.pdf	PROPN
inlawrev-3746	691	33	.	.	PUNCT
inlawrev-3746	692	1	128	128	NUM
inlawrev-3746	692	2	.	.	PUNCT
inlawrev-3746	693	1	ifthe	ifthe	PROPN
inlawrev-3746	693	2	fha	fha	PROPN
inlawrev-3746	693	3	ever	ever	ADV
inlawrev-3746	693	4	dissolved	dissolve	VERB
inlawrev-3746	693	5	,	,	PUNCT
inlawrev-3746	693	6	a	a	DET
inlawrev-3746	693	7	decision	decision	NOUN
inlawrev-3746	693	8	would	would	AUX
inlawrev-3746	693	9	have	have	VERB
inlawrev-3746	693	10	to	to	PART
inlawrev-3746	693	11	be	be	AUX
inlawrev-3746	693	12	made	make	VERB
inlawrev-3746	693	13	whether	whether	SCONJ
inlawrev-3746	693	14	the	the	DET
inlawrev-3746	693	15	program	program	NOUN
inlawrev-3746	693	16	would	would	AUX
inlawrev-3746	693	17	simply	simply	ADV
inlawrev-3746	693	18	stop	stop	VERB
inlawrev-3746	693	19	issuing	issue	VERB
inlawrev-3746	693	20	insurance	insurance	NOUN
inlawrev-3746	693	21	to	to	ADP
inlawrev-3746	693	22	any	any	DET
inlawrev-3746	693	23	new	new	ADJ
inlawrev-3746	693	24	borrowers	borrower	NOUN
inlawrev-3746	693	25	or	or	CCONJ
inlawrev-3746	693	26	whether	whether	SCONJ
inlawrev-3746	693	27	insurance	insurance	NOUN
inlawrev-3746	693	28	would	would	AUX
inlawrev-3746	693	29	immediately	immediately	ADV
inlawrev-3746	693	30	cease	cease	VERB
inlawrev-3746	693	31	for	for	ADP
inlawrev-3746	693	32	all	all	DET
inlawrev-3746	693	33	borrowers	borrower	NOUN
inlawrev-3746	693	34	.	.	PUNCT
inlawrev-3746	694	1	in	in	ADP
inlawrev-3746	694	2	the	the	DET
inlawrev-3746	694	3	earlier	early	ADJ
inlawrev-3746	694	4	case	case	NOUN
inlawrev-3746	694	5	,	,	PUNCT
inlawrev-3746	694	6	it	it	PRON
inlawrev-3746	694	7	would	would	AUX
inlawrev-3746	694	8	likely	likely	ADV
inlawrev-3746	694	9	take	take	VERB
inlawrev-3746	694	10	an	an	DET
inlawrev-3746	694	11	excessive	excessive	ADJ
inlawrev-3746	694	12	amount	amount	NOUN
inlawrev-3746	694	13	oftime	oftime	NOUN
inlawrev-3746	694	14	to	to	PART
inlawrev-3746	694	15	fully	fully	ADV
inlawrev-3746	694	16	divest	divest	VERB
inlawrev-3746	694	17	the	the	DET
inlawrev-3746	694	18	fha	fha	NOUN
inlawrev-3746	694	19	of	of	ADP
inlawrev-3746	694	20	all	all	DET
inlawrev-3746	694	21	its	its	PRON
inlawrev-3746	694	22	mortgages	mortgage	NOUN
inlawrev-3746	694	23	.	.	PUNCT
inlawrev-3746	695	1	however	however	ADV
inlawrev-3746	695	2	,	,	PUNCT
inlawrev-3746	695	3	it	it	PRON
inlawrev-3746	695	4	would	would	AUX
inlawrev-3746	695	5	be	be	AUX
inlawrev-3746	695	6	equally	equally	ADV
inlawrev-3746	695	7	difficult	difficult	ADJ
inlawrev-3746	695	8	to	to	PART
inlawrev-3746	695	9	require	require	VERB
inlawrev-3746	695	10	borrowers	borrower	NOUN
inlawrev-3746	695	11	to	to	PART
inlawrev-3746	695	12	seek	seek	VERB
inlawrev-3746	695	13	new	new	ADJ
inlawrev-3746	695	14	mortgage	mortgage	NOUN
inlawrev-3746	695	15	insurance	insurance	NOUN
inlawrev-3746	695	16	from	from	ADP
inlawrev-3746	695	17	private	private	ADJ
inlawrev-3746	695	18	sources	source	NOUN
inlawrev-3746	695	19	to	to	PART
inlawrev-3746	695	20	maintain	maintain	VERB
inlawrev-3746	695	21	the	the	DET
inlawrev-3746	695	22	lower	low	ADJ
inlawrev-3746	695	23	interest	interest	NOUN
inlawrev-3746	695	24	rates	rate	NOUN
inlawrev-3746	695	25	they	they	PRON
inlawrev-3746	695	26	were	be	AUX
inlawrev-3746	695	27	likely	likely	ADV
inlawrev-3746	695	28	receiving	receive	VERB
inlawrev-3746	695	29	as	as	ADP
inlawrev-3746	695	30	a	a	DET
inlawrev-3746	695	31	result	result	NOUN
inlawrev-3746	695	32	ofthe	ofthe	NOUN
inlawrev-3746	695	33	insurance	insurance	NOUN
inlawrev-3746	695	34	.	.	PUNCT
inlawrev-3746	696	1	private	private	ADJ
inlawrev-3746	696	2	insurers	insurer	NOUN
inlawrev-3746	696	3	would	would	AUX
inlawrev-3746	696	4	have	have	VERB
inlawrev-3746	696	5	a	a	DET
inlawrev-3746	696	6	large	large	ADJ
inlawrev-3746	696	7	amount	amount	NOUN
inlawrev-3746	696	8	ofleverage	ofleverage	NOUN
inlawrev-3746	696	9	at	at	ADP
inlawrev-3746	696	10	that	that	DET
inlawrev-3746	696	11	time	time	NOUN
inlawrev-3746	696	12	and	and	CCONJ
inlawrev-3746	696	13	could	could	AUX
inlawrev-3746	696	14	offer	offer	VERB
inlawrev-3746	696	15	unfavorable	unfavorable	ADJ
inlawrev-3746	696	16	terms	term	NOUN
inlawrev-3746	696	17	.	.	PUNCT
inlawrev-3746	697	1	129	129	NUM
inlawrev-3746	697	2	.	.	PUNCT
inlawrev-3746	698	1	see	see	VERB
inlawrev-3746	698	2	supra	supra	PROPN
inlawrev-3746	698	3	note	note	PROPN
inlawrev-3746	698	4	80	80	NUM
inlawrev-3746	698	5	.	.	PUNCT
inlawrev-3746	698	6	130	130	NUM
inlawrev-3746	698	7	.	.	PUNCT
inlawrev-3746	699	1	kathleen	kathleen	PROPN
inlawrev-3746	699	2	c.	c.	PROPN
inlawrev-3746	699	3	engel	engel	PROPN
inlawrev-3746	699	4	&	&	CCONJ
inlawrev-3746	699	5	patricia	patricia	PROPN
inlawrev-3746	699	6	a.	a.	PROPN
inlawrev-3746	699	7	mccoy	mccoy	PROPN
inlawrev-3746	699	8	,	,	PUNCT
inlawrev-3746	699	9	a	a	DET
inlawrev-3746	699	10	tale	tale	NOUN
inlawrev-3746	699	11	of	of	ADP
inlawrev-3746	699	12	three	three	NUM
inlawrev-3746	699	13	markets	market	NOUN
inlawrev-3746	699	14	:	:	PUNCT
inlawrev-3746	699	15	the	the	DET
inlawrev-3746	699	16	law	law	NOUN
inlawrev-3746	699	17	and	and	CCONJ
inlawrev-3746	699	18	economics	economics	PROPN
inlawrev-3746	699	19	ofpredatory	ofpredatory	PROPN
inlawrev-3746	699	20	lending	lending	NOUN
inlawrev-3746	699	21	,	,	PUNCT
inlawrev-3746	699	22	80	80	NUM
inlawrev-3746	699	23	tex	tex	PROPN
inlawrev-3746	699	24	.	.	PROPN
inlawrev-3746	699	25	l.	l.	PROPN
inlawrev-3746	699	26	rev	rev	PROPN
inlawrev-3746	699	27	.	.	PROPN
inlawrev-3746	699	28	1255	1255	NUM
inlawrev-3746	699	29	,	,	PUNCT
inlawrev-3746	699	30	1309	1309	NUM
inlawrev-3746	699	31	(	(	PUNCT
inlawrev-3746	699	32	2002	2002	NUM
inlawrev-3746	699	33	)	)	PUNCT
inlawrev-3746	699	34	.	.	PUNCT
inlawrev-3746	700	1	2005	2005	NUM
inlawrev-3746	700	2	]	]	PUNCT
inlawrev-3746	700	3	hoosier	hoosier	NOUN
inlawrev-3746	700	4	inhospitality	inhospitality	NOUN
inlawrev-3746	700	5	109	109	NUM
inlawrev-3746	700	6	new	new	PROPN
inlawrev-3746	700	7	york	york	PROPN
inlawrev-3746	700	8	,	,	PUNCT
inlawrev-3746	700	9	and	and	CCONJ
inlawrev-3746	700	10	north	north	PROPN
inlawrev-3746	700	11	carolina	carolina	PROPN
inlawrev-3746	700	12	.	.	PUNCT
inlawrev-3746	701	1	131	131	NUM
inlawrev-3746	702	1	the	the	DET
inlawrev-3746	702	2	department	department	NOUN
inlawrev-3746	702	3	of	of	ADP
inlawrev-3746	702	4	housing	housing	PROPN
inlawrev-3746	702	5	and	and	CCONJ
inlawrev-3746	702	6	urban	urban	PROPN
inlawrev-3746	702	7	development	development	NOUN
inlawrev-3746	702	8	currently	currently	ADV
inlawrev-3746	702	9	requires	require	VERB
inlawrev-3746	702	10	counseling	counseling	NOUN
inlawrev-3746	702	11	for	for	ADP
inlawrev-3746	702	12	the	the	DET
inlawrev-3746	702	13	elderly	elderly	ADJ
inlawrev-3746	702	14	under	under	ADP
inlawrev-3746	702	15	the	the	DET
inlawrev-3746	702	16	home	home	NOUN
inlawrev-3746	702	17	equity	equity	NOUN
inlawrev-3746	702	18	conversion	conversion	PROPN
inlawrev-3746	702	19	mortgage	mortgage	NOUN
inlawrev-3746	702	20	program	program	NOUN
inlawrev-3746	702	21	.	.	PUNCT
inlawrev-3746	703	1	132	132	NUM
inlawrev-3746	703	2	hudprovides	hudprovide	NOUN
inlawrev-3746	703	3	grants	grant	NOUN
inlawrev-3746	703	4	to	to	ADP
inlawrev-3746	703	5	self	self	NOUN
inlawrev-3746	703	6	-	-	PUNCT
inlawrev-3746	703	7	sufficient	sufficient	ADJ
inlawrev-3746	703	8	,	,	PUNCT
inlawrev-3746	703	9	non	non	ADJ
inlawrev-3746	703	10	-	-	ADJ
inlawrev-3746	703	11	profit	profit	ADJ
inlawrev-3746	703	12	counseling	counseling	NOUN
inlawrev-3746	703	13	agencies	agency	NOUN
inlawrev-3746	703	14	that	that	PRON
inlawrev-3746	703	15	undergo	undergo	VERB
inlawrev-3746	703	16	certification	certification	NOUN
inlawrev-3746	703	17	from	from	ADP
inlawrev-3746	703	18	the	the	DET
inlawrev-3746	703	19	department	department	NOUN
inlawrev-3746	703	20	and	and	CCONJ
inlawrev-3746	703	21	provide	provide	VERB
inlawrev-3746	703	22	services	service	NOUN
inlawrev-3746	703	23	to	to	ADP
inlawrev-3746	703	24	these	these	DET
inlawrev-3746	703	25	elderly	elderly	ADJ
inlawrev-3746	703	26	mortgagors	mortgagor	NOUN
inlawrev-3746	703	27	.	.	PUNCT
inlawrev-3746	704	1	133	133	NUM
inlawrev-3746	704	2	furthermore	furthermore	ADV
inlawrev-3746	704	3	,	,	PUNCT
inlawrev-3746	704	4	on	on	ADP
inlawrev-3746	704	5	september	september	PROPN
inlawrev-3746	704	6	10	10	NUM
inlawrev-3746	704	7	,	,	PUNCT
inlawrev-3746	704	8	2004	2004	NUM
inlawrev-3746	704	9	,	,	PUNCT
inlawrev-3746	704	10	the	the	DET
inlawrev-3746	704	11	federal	federal	ADJ
inlawrev-3746	704	12	government	government	NOUN
inlawrev-3746	704	13	announced	announce	VERB
inlawrev-3746	704	14	a	a	DET
inlawrev-3746	704	15	national	national	ADJ
inlawrev-3746	704	16	campaign	campaign	NOUN
inlawrev-3746	704	17	to	to	PART
inlawrev-3746	704	18	educate	educate	VERB
inlawrev-3746	704	19	consumers	consumer	NOUN
inlawrev-3746	704	20	on	on	ADP
inlawrev-3746	704	21	the	the	DET
inlawrev-3746	704	22	threat	threat	NOUN
inlawrev-3746	704	23	of	of	ADP
inlawrev-3746	704	24	predatory	predatory	ADJ
inlawrev-3746	704	25	lending	lending	NOUN
inlawrev-3746	704	26	.	.	PUNCT
inlawrev-3746	705	1	134	134	NUM
inlawrev-3746	705	2	while	while	SCONJ
inlawrev-3746	705	3	these	these	DET
inlawrev-3746	705	4	programs	program	NOUN
inlawrev-3746	705	5	have	have	VERB
inlawrev-3746	705	6	merit	merit	NOUN
inlawrev-3746	705	7	and	and	CCONJ
inlawrev-3746	705	8	are	be	AUX
inlawrev-3746	705	9	likely	likely	ADV
inlawrev-3746	705	10	helpful	helpful	ADJ
inlawrev-3746	705	11	to	to	PART
inlawrev-3746	705	12	outline	outline	VERB
inlawrev-3746	705	13	the	the	DET
inlawrev-3746	705	14	various	various	ADJ
inlawrev-3746	705	15	loss	loss	NOUN
inlawrev-3746	705	16	mitigation	mitigation	NOUN
inlawrev-3746	705	17	techniques	technique	NOUN
inlawrev-3746	705	18	available	available	ADJ
inlawrev-3746	705	19	and	and	CCONJ
inlawrev-3746	705	20	tactics	tactic	NOUN
inlawrev-3746	705	21	used	use	VERB
inlawrev-3746	705	22	by	by	ADP
inlawrev-3746	705	23	predatory	predatory	ADJ
inlawrev-3746	705	24	lenders	lender	NOUN
inlawrev-3746	705	25	,	,	PUNCT
inlawrev-3746	705	26	the	the	DET
inlawrev-3746	705	27	ideal	ideal	ADJ
inlawrev-3746	705	28	time	time	NOUN
inlawrev-3746	705	29	for	for	ADP
inlawrev-3746	705	30	counseling	counseling	NOUN
inlawrev-3746	705	31	is	be	AUX
inlawrev-3746	705	32	at	at	ADP
inlawrev-3746	705	33	the	the	DET
inlawrev-3746	705	34	outset	outset	NOUN
inlawrev-3746	705	35	of	of	ADP
inlawrev-3746	705	36	the	the	DET
inlawrev-3746	705	37	mortgage	mortgage	NOUN
inlawrev-3746	705	38	.	.	PUNCT
inlawrev-3746	706	1	even	even	ADV
inlawrev-3746	706	2	the	the	DET
inlawrev-3746	706	3	best	good	ADJ
inlawrev-3746	706	4	preforeclosure	preforeclosure	NOUN
inlawrev-3746	706	5	counseling	counseling	NOUN
inlawrev-3746	706	6	may	may	AUX
inlawrev-3746	706	7	not	not	PART
inlawrev-3746	706	8	be	be	AUX
inlawrev-3746	706	9	able	able	ADJ
inlawrev-3746	706	10	to	to	PART
inlawrev-3746	706	11	fix	fix	VERB
inlawrev-3746	706	12	problems	problem	NOUN
inlawrev-3746	706	13	with	with	ADP
inlawrev-3746	706	14	a	a	DET
inlawrev-3746	706	15	mortgage	mortgage	NOUN
inlawrev-3746	706	16	that	that	PRON
inlawrev-3746	706	17	are	be	AUX
inlawrev-3746	706	18	created	create	VERB
inlawrev-3746	706	19	at	at	ADP
inlawrev-3746	706	20	its	its	PRON
inlawrev-3746	706	21	inception	inception	NOUN
inlawrev-3746	706	22	.	.	PUNCT
inlawrev-3746	707	1	many	many	ADJ
inlawrev-3746	707	2	times	time	NOUN
inlawrev-3746	707	3	,	,	PUNCT
inlawrev-3746	707	4	the	the	DET
inlawrev-3746	707	5	key	key	ADJ
inlawrev-3746	707	6	problem	problem	NOUN
inlawrev-3746	707	7	with	with	ADP
inlawrev-3746	707	8	a	a	DET
inlawrev-3746	707	9	mortgage	mortgage	NOUN
inlawrev-3746	707	10	is	be	AUX
inlawrev-3746	707	11	that	that	SCONJ
inlawrev-3746	707	12	the	the	DET
inlawrev-3746	707	13	mortgagor	mortgagor	NOUN
inlawrev-3746	707	14	,	,	PUNCT
inlawrev-3746	707	15	unaware	unaware	ADJ
inlawrev-3746	707	16	of	of	ADP
inlawrev-3746	707	17	the	the	DET
inlawrev-3746	707	18	extra	extra	ADJ
inlawrev-3746	707	19	costs	cost	NOUN
inlawrev-3746	707	20	and	and	CCONJ
inlawrev-3746	707	21	hidden	hidden	ADJ
inlawrev-3746	707	22	fees	fee	NOUN
inlawrev-3746	707	23	that	that	PRON
inlawrev-3746	707	24	a	a	DET
inlawrev-3746	707	25	mortgage	mortgage	NOUN
inlawrev-3746	707	26	may	may	AUX
inlawrev-3746	707	27	contain	contain	VERB
inlawrev-3746	707	28	,	,	PUNCT
inlawrev-3746	707	29	borrows	borrow	VERB
inlawrev-3746	707	30	too	too	ADV
inlawrev-3746	707	31	much	much	ADJ
inlawrev-3746	707	32	money	money	NOUN
inlawrev-3746	707	33	and	and	CCONJ
inlawrev-3746	707	34	is	be	AUX
inlawrev-3746	707	35	unable	unable	ADJ
inlawrev-3746	707	36	to	to	PART
inlawrev-3746	707	37	make	make	VERB
inlawrev-3746	707	38	payments	payment	NOUN
inlawrev-3746	707	39	.	.	PUNCT
inlawrev-3746	708	1	both	both	DET
inlawrev-3746	708	2	hud	hud	PROPN
inlawrev-3746	708	3	and	and	CCONJ
inlawrev-3746	708	4	the	the	DET
inlawrev-3746	708	5	fha	fha	PROPN
inlawrev-3746	708	6	have	have	AUX
inlawrev-3746	708	7	recently	recently	ADV
inlawrev-3746	708	8	increased	increase	VERB
inlawrev-3746	708	9	the	the	DET
inlawrev-3746	708	10	limits	limit	NOUN
inlawrev-3746	708	11	for	for	ADP
inlawrev-3746	708	12	loan	loan	NOUN
inlawrev-3746	708	13	values	value	NOUN
inlawrev-3746	708	14	that	that	PRON
inlawrev-3746	708	15	they	they	PRON
inlawrev-3746	708	16	insure	insure	VERB
inlawrev-3746	708	17	,	,	PUNCT
inlawrev-3746	708	18	135	135	NUM
inlawrev-3746	708	19	and	and	CCONJ
inlawrev-3746	708	20	therefore	therefore	ADV
inlawrev-3746	708	21	they	they	PRON
inlawrev-3746	708	22	have	have	VERB
inlawrev-3746	708	23	a	a	DET
inlawrev-3746	708	24	responsibility	responsibility	NOUN
inlawrev-3746	708	25	to	to	PART
inlawrev-3746	708	26	educate	educate	VERB
inlawrev-3746	708	27	borrowers	borrower	NOUN
inlawrev-3746	708	28	about	about	ADP
inlawrev-3746	708	29	increased	increase	VERB
inlawrev-3746	708	30	housing	housing	NOUN
inlawrev-3746	708	31	expenditures	expenditure	NOUN
inlawrev-3746	708	32	.	.	PUNCT
inlawrev-3746	709	1	despite	despite	SCONJ
inlawrev-3746	709	2	the	the	DET
inlawrev-3746	709	3	inherent	inherent	ADJ
inlawrev-3746	709	4	costs	cost	NOUN
inlawrev-3746	709	5	of	of	ADP
inlawrev-3746	709	6	providing	provide	VERB
inlawrev-3746	709	7	counseling	counseling	NOUN
inlawrev-3746	709	8	for	for	ADP
inlawrev-3746	709	9	all	all	DET
inlawrev-3746	709	10	first	first	ADJ
inlawrev-3746	709	11	-	-	PUNCT
inlawrev-3746	709	12	time	time	NOUN
inlawrev-3746	709	13	borrowers	borrower	NOUN
inlawrev-3746	709	14	,	,	PUNCT
inlawrev-3746	709	15	the	the	DET
inlawrev-3746	709	16	fha	fha	PROPN
inlawrev-3746	709	17	is	be	AUX
inlawrev-3746	709	18	logistically	logistically	ADV
inlawrev-3746	709	19	and	and	CCONJ
inlawrev-3746	709	20	financially	financially	ADV
inlawrev-3746	709	21	able	able	ADJ
inlawrev-3746	709	22	to	to	PART
inlawrev-3746	709	23	provide	provide	VERB
inlawrev-3746	709	24	such	such	DET
inlawrev-3746	709	25	a	a	DET
inlawrev-3746	709	26	program	program	NOUN
inlawrev-3746	709	27	.	.	PUNCT
inlawrev-3746	710	1	by	by	ADP
inlawrev-3746	710	2	broadening	broaden	VERB
inlawrev-3746	710	3	its	its	PRON
inlawrev-3746	710	4	certification	certification	NOUN
inlawrev-3746	710	5	process	process	NOUN
inlawrev-3746	710	6	to	to	PART
inlawrev-3746	710	7	include	include	VERB
inlawrev-3746	710	8	more	more	ADJ
inlawrev-3746	710	9	independent	independent	ADJ
inlawrev-3746	710	10	agencies	agency	NOUN
inlawrev-3746	710	11	,	,	PUNCT
inlawrev-3746	710	12	hud	hud	PROPN
inlawrev-3746	710	13	could	could	AUX
inlawrev-3746	710	14	adequately	adequately	ADV
inlawrev-3746	710	15	satisfy	satisfy	VERB
inlawrev-3746	710	16	the	the	DET
inlawrev-3746	710	17	number	number	NOUN
inlawrev-3746	710	18	of	of	ADP
inlawrev-3746	710	19	borrowers	borrower	NOUN
inlawrev-3746	710	20	needing	need	VERB
inlawrev-3746	710	21	counseling	counseling	NOUN
inlawrev-3746	710	22	.	.	PUNCT
inlawrev-3746	711	1	this	this	DET
inlawrev-3746	711	2	expansion	expansion	NOUN
inlawrev-3746	711	3	is	be	AUX
inlawrev-3746	711	4	essential	essential	ADJ
inlawrev-3746	711	5	,	,	PUNCT
inlawrev-3746	711	6	because	because	SCONJ
inlawrev-3746	711	7	studies	study	NOUN
inlawrev-3746	711	8	have	have	AUX
inlawrev-3746	711	9	shown	show	VERB
inlawrev-3746	711	10	that	that	SCONJ
inlawrev-3746	711	11	individual	individual	ADJ
inlawrev-3746	711	12	counseling	counseling	NOUN
inlawrev-3746	711	13	is	be	AUX
inlawrev-3746	711	14	the	the	DET
inlawrev-3746	711	15	most	most	ADV
inlawrev-3746	711	16	effective	effective	ADJ
inlawrev-3746	711	17	and	and	CCONJ
inlawrev-3746	711	18	beneficial	beneficial	ADJ
inlawrev-3746	711	19	counseling	counseling	NOUN
inlawrev-3746	711	20	method	method	NOUN
inlawrev-3746	711	21	for	for	ADP
inlawrev-3746	711	22	borrowers	borrower	NOUN
inlawrev-3746	711	23	.	.	PUNCT
inlawrev-3746	712	1	136	136	NUM
inlawrev-3746	712	2	furthermore	furthermore	ADV
inlawrev-3746	712	3	,	,	PUNCT
inlawrev-3746	712	4	the	the	DET
inlawrev-3746	712	5	fha	fha	PROPN
inlawrev-3746	712	6	appears	appear	VERB
inlawrev-3746	712	7	to	to	PART
inlawrev-3746	712	8	be	be	AUX
inlawrev-3746	712	9	financially	financially	ADV
inlawrev-3746	712	10	solvent	solvent	ADJ
inlawrev-3746	712	11	enough	enough	ADV
inlawrev-3746	712	12	to	to	PART
inlawrev-3746	712	13	incur	incur	VERB
inlawrev-3746	712	14	the	the	DET
inlawrev-3746	712	15	expenses	expense	NOUN
inlawrev-3746	712	16	of	of	ADP
inlawrev-3746	712	17	such	such	DET
inlawrev-3746	712	18	a	a	DET
inlawrev-3746	712	19	program	program	NOUN
inlawrev-3746	712	20	.	.	PUNCT
inlawrev-3746	713	1	137	137	NUM
inlawrev-3746	713	2	131	131	NUM
inlawrev-3746	713	3	.	.	PUNCT
inlawrev-3746	714	1	harold	harold	PROPN
inlawrev-3746	714	2	l.	l.	PROPN
inlawrev-3746	714	3	levine	levine	PROPN
inlawrev-3746	714	4	,	,	PUNCT
inlawrev-3746	714	5	a	a	DET
inlawrev-3746	714	6	real	real	ADJ
inlawrev-3746	714	7	estate	estate	NOUN
inlawrev-3746	714	8	focus	focus	NOUN
inlawrev-3746	714	9	:	:	PUNCT
inlawrev-3746	714	10	a	a	DET
inlawrev-3746	714	11	day	day	NOUN
inlawrev-3746	714	12	in	in	ADP
inlawrev-3746	714	13	the	the	DET
inlawrev-3746	714	14	life	life	NOUN
inlawrev-3746	714	15	ofa	ofa	PROPN
inlawrev-3746	714	16	residential	residential	ADJ
inlawrev-3746	714	17	mortgage	mortgage	NOUN
inlawrev-3746	714	18	defendant	defendant	NOUN
inlawrev-3746	714	19	,	,	PUNCT
inlawrev-3746	714	20	36	36	NUM
inlawrev-3746	714	21	j.	j.	PROPN
inlawrev-3746	714	22	marshall	marshall	PROPN
inlawrev-3746	714	23	l.	l.	PROPN
inlawrev-3746	714	24	rev	rev	PROPN
inlawrev-3746	714	25	.	.	PROPN
inlawrev-3746	714	26	687	687	NUM
inlawrev-3746	714	27	,	,	PUNCT
inlawrev-3746	714	28	700	700	NUM
inlawrev-3746	714	29	(	(	PUNCT
inlawrev-3746	714	30	2003	2003	NUM
inlawrev-3746	714	31	)	)	PUNCT
inlawrev-3746	714	32	.	.	PUNCT
inlawrev-3746	715	1	132	132	NUM
inlawrev-3746	715	2	.	.	PUNCT
inlawrev-3746	716	1	i	i	PRON
inlawrev-3746	716	2	d.	d.	PROPN
inlawrev-3746	716	3	133	133	NUM
inlawrev-3746	716	4	.	.	PUNCT
inlawrev-3746	717	1	donna	donna	PROPN
inlawrev-3746	717	2	s	s	PROPN
inlawrev-3746	717	3	.	.	PUNCT
inlawrev-3746	717	4	harkness	harkness	NOUN
inlawrev-3746	717	5	,	,	PUNCT
inlawrev-3746	717	6	predatory	predatory	NOUN
inlawrev-3746	717	7	lending	lending	NOUN
inlawrev-3746	717	8	prevention	prevention	NOUN
inlawrev-3746	717	9	project	project	NOUN
inlawrev-3746	717	10	:	:	PUNCT
inlawrev-3746	717	11	prescribing	prescribe	VERB
inlawrev-3746	717	12	a	a	PRON
inlawrev-3746	717	13	curefor	curefor	ADP
inlawrev-3746	717	14	the	the	DET
inlawrev-3746	717	15	home	home	NOUN
inlawrev-3746	717	16	equity	equity	NOUN
inlawrev-3746	717	17	loss	loss	NOUN
inlawrev-3746	717	18	ailing	ail	VERB
inlawrev-3746	717	19	the	the	DET
inlawrev-3746	717	20	elderly	elderly	ADJ
inlawrev-3746	717	21	,	,	PUNCT
inlawrev-3746	717	22	10	10	NUM
inlawrev-3746	717	23	b.u	b.u	PROPN
inlawrev-3746	717	24	.	.	PUNCT
inlawrev-3746	717	25	pub	pub	NOUN
inlawrev-3746	717	26	.	.	PUNCT
inlawrev-3746	718	1	int	int	NOUN
inlawrev-3746	718	2	.	.	PUNCT
inlawrev-3746	719	1	l.j	l.j	PROPN
inlawrev-3746	719	2	.	.	PROPN
inlawrev-3746	720	1	1,41	1,41	NUM
inlawrev-3746	720	2	(	(	PUNCT
inlawrev-3746	720	3	2000	2000	NUM
inlawrev-3746	720	4	)	)	PUNCT
inlawrev-3746	720	5	.	.	PUNCT
inlawrev-3746	721	1	1	1	NUM
inlawrev-3746	721	2	34	34	NUM
inlawrev-3746	721	3	.	.	PUNCT
inlawrev-3746	722	1	hud	hud	PROPN
inlawrev-3746	722	2	website	website	PROPN
inlawrev-3746	722	3	,	,	PUNCT
inlawrev-3746	722	4	http://www.hud.gov/local/in/news/2004-091	http://www.hud.gov/local/in/news/2004-091	NOUN
inlawrev-3746	722	5	0.cfm	0.cfm	X
inlawrev-3746	723	1	(	(	PUNCT
inlawrev-3746	723	2	last	last	ADJ
inlawrev-3746	723	3	updated	update	VERB
inlawrev-3746	723	4	july	july	PROPN
inlawrev-3746	723	5	1	1	NUM
inlawrev-3746	723	6	,	,	PUNCT
inlawrev-3746	723	7	2005	2005	NUM
inlawrev-3746	723	8	)	)	PUNCT
inlawrev-3746	723	9	.	.	PUNCT
inlawrev-3746	724	1	the	the	DET
inlawrev-3746	724	2	program	program	NOUN
inlawrev-3746	724	3	will	will	AUX
inlawrev-3746	724	4	start	start	VERB
inlawrev-3746	724	5	in	in	ADP
inlawrev-3746	724	6	twenty	twenty	NUM
inlawrev-3746	724	7	united	united	PROPN
inlawrev-3746	724	8	states	states	PROPN
inlawrev-3746	724	9	cities	city	NOUN
inlawrev-3746	724	10	,	,	PUNCT
inlawrev-3746	724	11	including	include	VERB
inlawrev-3746	724	12	indianapolis	indianapolis	PROPN
inlawrev-3746	724	13	,	,	PUNCT
inlawrev-3746	724	14	where	where	SCONJ
inlawrev-3746	724	15	hud	hud	PROPN
inlawrev-3746	724	16	has	have	VERB
inlawrev-3746	724	17	a	a	DET
inlawrev-3746	724	18	high	high	ADJ
inlawrev-3746	724	19	concentration	concentration	NOUN
inlawrev-3746	724	20	of	of	ADP
inlawrev-3746	724	21	insured	insured	ADJ
inlawrev-3746	724	22	homes	home	NOUN
inlawrev-3746	724	23	and	and	CCONJ
inlawrev-3746	724	24	knows	know	VERB
inlawrev-3746	724	25	predatory	predatory	ADJ
inlawrev-3746	724	26	lending	lending	NOUN
inlawrev-3746	724	27	exists	exist	VERB
inlawrev-3746	724	28	.	.	PUNCT
inlawrev-3746	725	1	135	135	NUM
inlawrev-3746	725	2	.	.	PUNCT
inlawrev-3746	726	1	see	see	VERB
inlawrev-3746	726	2	supra	supra	PROPN
inlawrev-3746	726	3	note	note	PROPN
inlawrev-3746	726	4	86	86	NUM
inlawrev-3746	726	5	and	and	CCONJ
inlawrev-3746	726	6	accompanying	accompany	VERB
inlawrev-3746	726	7	text	text	NOUN
inlawrev-3746	726	8	.	.	PUNCT
inlawrev-3746	727	1	136	136	NUM
inlawrev-3746	727	2	.	.	PUNCT
inlawrev-3746	728	1	counseling	counseling	NOUN
inlawrev-3746	728	2	can	can	AUX
inlawrev-3746	728	3	reduce	reduce	VERB
inlawrev-3746	728	4	mortgage	mortgage	NOUN
inlawrev-3746	728	5	delinquency	delinquency	NOUN
inlawrev-3746	728	6	,	,	PUNCT
inlawrev-3746	728	7	but	but	CCONJ
inlawrev-3746	728	8	different	different	ADJ
inlawrev-3746	728	9	approaches	approach	NOUN
inlawrev-3746	728	10	have	have	AUX
inlawrev-3746	728	11	had	have	VERB
inlawrev-3746	728	12	varying	vary	VERB
inlawrev-3746	728	13	success	success	NOUN
inlawrev-3746	728	14	.	.	PUNCT
inlawrev-3746	729	1	for	for	ADP
inlawrev-3746	729	2	example	example	NOUN
inlawrev-3746	729	3	,	,	PUNCT
inlawrev-3746	729	4	classroom	classroom	NOUN
inlawrev-3746	729	5	and	and	CCONJ
inlawrev-3746	729	6	home	home	NOUN
inlawrev-3746	729	7	study	study	NOUN
inlawrev-3746	729	8	counseling	counseling	NOUN
inlawrev-3746	729	9	had	have	VERB
inlawrev-3746	729	10	some	some	DET
inlawrev-3746	729	11	benefit	benefit	NOUN
inlawrev-3746	729	12	for	for	ADP
inlawrev-3746	729	13	borrowers	borrower	NOUN
inlawrev-3746	729	14	,	,	PUNCT
inlawrev-3746	729	15	but	but	CCONJ
inlawrev-3746	729	16	telephone	telephone	NOUN
inlawrev-3746	729	17	counseling	counseling	NOUN
inlawrev-3746	729	18	had	have	VERB
inlawrev-3746	729	19	no	no	DET
inlawrev-3746	729	20	effect	effect	NOUN
inlawrev-3746	729	21	on	on	ADP
inlawrev-3746	729	22	mortgage	mortgage	NOUN
inlawrev-3746	729	23	success	success	NOUN
inlawrev-3746	729	24	.	.	PUNCT
inlawrev-3746	730	1	abdighani	abdighani	PROPN
inlawrev-3746	730	2	hirad	hirad	PROPN
inlawrev-3746	730	3	&	&	CCONJ
inlawrev-3746	730	4	peter	peter	PROPN
inlawrev-3746	730	5	m.	m.	PROPN
inlawrev-3746	730	6	zorn	zorn	PROPN
inlawrev-3746	730	7	,	,	PUNCT
inlawrev-3746	730	8	a	a	DET
inlawrev-3746	730	9	little	little	ADJ
inlawrev-3746	730	10	knowledge	knowledge	NOUN
inlawrev-3746	730	11	is	be	AUX
inlawrev-3746	730	12	a	a	DET
inlawrev-3746	730	13	good	good	ADJ
inlawrev-3746	730	14	thing	thing	NOUN
inlawrev-3746	730	15	:	:	PUNCT
inlawrev-3746	730	16	empirical	empirical	ADJ
inlawrev-3746	730	17	evidence	evidence	NOUN
inlawrev-3746	730	18	of	of	ADP
inlawrev-3746	730	19	the	the	DET
inlawrev-3746	730	20	effectiveness	effectiveness	NOUN
inlawrev-3746	730	21	of	of	ADP
inlawrev-3746	730	22	pre	pre	ADJ
inlawrev-3746	730	23	-	-	ADJ
inlawrev-3746	730	24	purchase	purchase	ADJ
inlawrev-3746	730	25	homeownership	homeownership	NOUN
inlawrev-3746	730	26	counseling	counseling	NOUN
inlawrev-3746	730	27	2	2	NUM
inlawrev-3746	730	28	(	(	PUNCT
inlawrev-3746	730	29	may22	may22	PROPN
inlawrev-3746	730	30	,	,	PUNCT
inlawrev-3746	730	31	200	200	NUM
inlawrev-3746	730	32	1	1	NUM
inlawrev-3746	730	33	)	)	PUNCT
inlawrev-3746	730	34	,	,	PUNCT
inlawrev-3746	730	35	http://www.rreddiemac.com/corporate/reports/pdf/	http://www.rreddiemac.com/corporate/reports/pdf/	NOUN
inlawrev-3746	730	36	homebuyers_study.pdf	homebuyers_study.pdf	NOUN
inlawrev-3746	730	37	.	.	PUNCT
inlawrev-3746	731	1	137	137	NUM
inlawrev-3746	731	2	.	.	PUNCT
inlawrev-3746	732	1	even	even	ADV
inlawrev-3746	732	2	though	though	SCONJ
inlawrev-3746	732	3	the	the	DET
inlawrev-3746	732	4	fha	fha	PROPN
inlawrev-3746	732	5	has	have	AUX
inlawrev-3746	732	6	seen	see	VERB
inlawrev-3746	732	7	a	a	DET
inlawrev-3746	732	8	large	large	ADJ
inlawrev-3746	732	9	increase	increase	NOUN
inlawrev-3746	732	10	in	in	ADP
inlawrev-3746	732	11	the	the	DET
inlawrev-3746	732	12	number	number	NOUN
inlawrev-3746	732	13	of	of	ADP
inlawrev-3746	732	14	foreclosed	foreclose	VERB
inlawrev-3746	732	15	properties	property	NOUN
inlawrev-3746	732	16	that	that	PRON
inlawrev-3746	732	17	it	it	PRON
inlawrev-3746	732	18	insures	insure	VERB
inlawrev-3746	732	19	,	,	PUNCT
inlawrev-3746	732	20	it	it	PRON
inlawrev-3746	732	21	has	have	AUX
inlawrev-3746	732	22	remained	remain	VERB
inlawrev-3746	732	23	above	above	ADP
inlawrev-3746	732	24	its	its	PRON
inlawrev-3746	732	25	two	two	NUM
inlawrev-3746	732	26	percent	percent	NOUN
inlawrev-3746	732	27	insurance	insurance	NOUN
inlawrev-3746	732	28	pool	pool	NOUN
inlawrev-3746	732	29	requirement	requirement	NOUN
inlawrev-3746	732	30	for	for	ADP
inlawrev-3746	732	31	the	the	DET
inlawrev-3746	732	32	mmif	mmif	NOUN
inlawrev-3746	732	33	during	during	ADP
inlawrev-3746	732	34	the	the	DET
inlawrev-3746	732	35	same	same	ADJ
inlawrev-3746	732	36	time	time	NOUN
inlawrev-3746	732	37	period	period	NOUN
inlawrev-3746	732	38	.	.	PUNCT
inlawrev-3746	733	1	furthermore	furthermore	ADV
inlawrev-3746	733	2	,	,	PUNCT
inlawrev-3746	733	3	the	the	DET
inlawrev-3746	733	4	fha	fha	PROPN
inlawrev-3746	733	5	could	could	AUX
inlawrev-3746	733	6	transfer	transfer	VERB
inlawrev-3746	733	7	some	some	PRON
inlawrev-3746	733	8	of	of	ADP
inlawrev-3746	733	9	the	the	DET
inlawrev-3746	733	10	cost	cost	NOUN
inlawrev-3746	733	11	of	of	ADP
inlawrev-3746	733	12	the	the	DET
inlawrev-3746	733	13	grants	grant	NOUN
inlawrev-3746	733	14	to	to	ADP
inlawrev-3746	733	15	the	the	DET
inlawrev-3746	733	16	borrower	borrower	NOUN
inlawrev-3746	733	17	through	through	ADP
inlawrev-3746	733	18	direct	direct	ADJ
inlawrev-3746	733	19	chargers	charger	NOUN
inlawrev-3746	733	20	or	or	CCONJ
inlawrev-3746	733	21	in	in	ADP
inlawrev-3746	733	22	the	the	DET
inlawrev-3746	733	23	form	form	NOUN
inlawrev-3746	733	24	oflower	oflower	NOUN
inlawrev-3746	733	25	insurance	insurance	NOUN
inlawrev-3746	733	26	premiums	premium	NOUN
inlawrev-3746	733	27	for	for	ADP
inlawrev-3746	733	28	borrowers	borrower	NOUN
inlawrev-3746	733	29	who	who	PRON
inlawrev-3746	733	30	personally	personally	ADV
inlawrev-3746	733	31	fund	fund	VERB
inlawrev-3746	733	32	the	the	DET
inlawrev-3746	733	33	counseling	counseling	NOUN
inlawrev-3746	733	34	.	.	PUNCT
inlawrev-3746	734	1	1	1	NUM
inlawrev-3746	734	2	10	10	NUM
inlawrev-3746	734	3	indiana	indiana	PROPN
inlawrev-3746	734	4	law	law	PROPN
inlawrev-3746	734	5	review	review	NOUN
inlawrev-3746	734	6	[	[	X
inlawrev-3746	734	7	vol	vol	NOUN
inlawrev-3746	734	8	.	.	PUNCT
inlawrev-3746	734	9	39:87	39:87	NUM
inlawrev-3746	734	10	2	2	NUM
inlawrev-3746	734	11	.	.	PUNCT
inlawrev-3746	734	12	varying	vary	VERB
inlawrev-3746	734	13	insurance	insurance	NOUN
inlawrev-3746	734	14	premiums.—second	premiums.—second	NOUN
inlawrev-3746	734	15	,	,	PUNCT
inlawrev-3746	734	16	the	the	DET
inlawrev-3746	734	17	fha	fha	PROPN
inlawrev-3746	734	18	should	should	AUX
inlawrev-3746	734	19	vary	vary	VERB
inlawrev-3746	734	20	its	its	PRON
inlawrev-3746	734	21	price	price	NOUN
inlawrev-3746	734	22	of	of	ADP
inlawrev-3746	734	23	insurance	insurance	NOUN
inlawrev-3746	734	24	according	accord	VERB
inlawrev-3746	734	25	to	to	ADP
inlawrev-3746	734	26	a	a	DET
inlawrev-3746	734	27	borrower	borrower	NOUN
inlawrev-3746	734	28	's	's	PART
inlawrev-3746	734	29	profile	profile	NOUN
inlawrev-3746	734	30	.	.	PUNCT
inlawrev-3746	735	1	as	as	SCONJ
inlawrev-3746	735	2	previously	previously	ADV
inlawrev-3746	735	3	mentioned	mention	VERB
inlawrev-3746	735	4	,	,	PUNCT
inlawrev-3746	735	5	the	the	DET
inlawrev-3746	735	6	recent	recent	ADJ
inlawrev-3746	735	7	implementation	implementation	NOUN
inlawrev-3746	735	8	of	of	ADP
inlawrev-3746	735	9	automated	automate	VERB
inlawrev-3746	735	10	underwriting	underwriting	NOUN
inlawrev-3746	735	11	standards	standard	NOUN
inlawrev-3746	735	12	has	have	AUX
inlawrev-3746	735	13	enabled	enable	VERB
inlawrev-3746	735	14	the	the	DET
inlawrev-3746	735	15	fha	fha	PROPN
inlawrev-3746	735	16	to	to	PART
inlawrev-3746	735	17	identify	identify	VERB
inlawrev-3746	735	18	borrowers	borrower	NOUN
inlawrev-3746	735	19	who	who	PRON
inlawrev-3746	735	20	have	have	VERB
inlawrev-3746	735	21	a	a	DET
inlawrev-3746	735	22	lower	low	ADJ
inlawrev-3746	735	23	risk	risk	NOUN
inlawrev-3746	735	24	ofdefault	ofdefault	NOUN
inlawrev-3746	735	25	.	.	PUNCT
inlawrev-3746	736	1	138	138	NUM
inlawrev-3746	736	2	the	the	DET
inlawrev-3746	736	3	fha	fha	PROPN
inlawrev-3746	736	4	should	should	AUX
inlawrev-3746	736	5	leverage	leverage	VERB
inlawrev-3746	736	6	this	this	DET
inlawrev-3746	736	7	technology	technology	NOUN
inlawrev-3746	736	8	to	to	PART
inlawrev-3746	736	9	separate	separate	VERB
inlawrev-3746	736	10	potential	potential	ADJ
inlawrev-3746	736	11	insureds	insured	NOUN
inlawrev-3746	736	12	into	into	ADP
inlawrev-3746	736	13	groups	group	NOUN
inlawrev-3746	736	14	with	with	ADP
inlawrev-3746	736	15	varying	vary	VERB
inlawrev-3746	736	16	insurance	insurance	NOUN
inlawrev-3746	736	17	premiums	premium	NOUN
inlawrev-3746	736	18	.	.	PUNCT
inlawrev-3746	737	1	by	by	ADP
inlawrev-3746	737	2	rewarding	reward	VERB
inlawrev-3746	737	3	borrowers	borrower	NOUN
inlawrev-3746	737	4	who	who	PRON
inlawrev-3746	737	5	are	be	AUX
inlawrev-3746	737	6	a	a	DET
inlawrev-3746	737	7	lower	low	ADJ
inlawrev-3746	737	8	credit	credit	NOUN
inlawrev-3746	737	9	risk	risk	NOUN
inlawrev-3746	737	10	with	with	ADP
inlawrev-3746	737	11	reduced	reduce	VERB
inlawrev-3746	737	12	insurance	insurance	NOUN
inlawrev-3746	737	13	premiums	premium	NOUN
inlawrev-3746	737	14	,	,	PUNCT
inlawrev-3746	737	15	the	the	DET
inlawrev-3746	737	16	fha	fha	PROPN
inlawrev-3746	737	17	will	will	AUX
inlawrev-3746	737	18	be	be	AUX
inlawrev-3746	737	19	able	able	ADJ
inlawrev-3746	737	20	to	to	PART
inlawrev-3746	737	21	more	more	ADV
inlawrev-3746	737	22	actively	actively	ADV
inlawrev-3746	737	23	compete	compete	VERB
inlawrev-3746	737	24	with	with	ADP
inlawrev-3746	737	25	the	the	DET
inlawrev-3746	737	26	private	private	ADJ
inlawrev-3746	737	27	mortgage	mortgage	NOUN
inlawrev-3746	737	28	insurance	insurance	NOUN
inlawrev-3746	737	29	market	market	NOUN
inlawrev-3746	737	30	.	.	PUNCT
inlawrev-3746	738	1	under	under	ADP
inlawrev-3746	738	2	the	the	DET
inlawrev-3746	738	3	current	current	ADJ
inlawrev-3746	738	4	usage	usage	NOUN
inlawrev-3746	738	5	of	of	ADP
inlawrev-3746	738	6	the	the	DET
inlawrev-3746	738	7	automated	automate	VERB
inlawrev-3746	738	8	underwriting	underwriting	NOUN
inlawrev-3746	738	9	standards	standard	NOUN
inlawrev-3746	738	10	,	,	PUNCT
inlawrev-3746	738	11	the	the	DET
inlawrev-3746	738	12	fha	fha	PROPN
inlawrev-3746	738	13	is	be	AUX
inlawrev-3746	738	14	still	still	ADV
inlawrev-3746	738	15	losing	lose	VERB
inlawrev-3746	738	16	quality	quality	NOUN
inlawrev-3746	738	17	insureds	insured	NOUN
inlawrev-3746	738	18	to	to	ADP
inlawrev-3746	738	19	the	the	DET
inlawrev-3746	738	20	private	private	ADJ
inlawrev-3746	738	21	market	market	NOUN
inlawrev-3746	738	22	and	and	CCONJ
inlawrev-3746	738	23	the	the	DET
inlawrev-3746	738	24	system	system	NOUN
inlawrev-3746	738	25	's	's	PART
inlawrev-3746	738	26	only	only	ADJ
inlawrev-3746	738	27	purpose	purpose	NOUN
inlawrev-3746	738	28	is	be	AUX
inlawrev-3746	738	29	to	to	PART
inlawrev-3746	738	30	increase	increase	VERB
inlawrev-3746	738	31	the	the	DET
inlawrev-3746	738	32	speed	speed	NOUN
inlawrev-3746	738	33	with	with	ADP
inlawrev-3746	738	34	which	which	PRON
inlawrev-3746	738	35	lenders	lender	NOUN
inlawrev-3746	738	36	process	process	VERB
inlawrev-3746	738	37	the	the	DET
inlawrev-3746	738	38	fha	fha	PROPN
inlawrev-3746	738	39	loans	loan	NOUN
inlawrev-3746	738	40	.	.	PUNCT
inlawrev-3746	739	1	139	139	NUM
inlawrev-3746	739	2	3	3	NUM
inlawrev-3746	739	3	.	.	PUNCT
inlawrev-3746	739	4	change	change	NOUN
inlawrev-3746	739	5	loss	loss	NOUN
inlawrev-3746	739	6	mitigation	mitigation	NOUN
inlawrev-3746	739	7	incentive	incentive	NOUN
inlawrev-3746	739	8	structure.—finally	structure.—finally	ADV
inlawrev-3746	739	9	,	,	PUNCT
inlawrev-3746	739	10	the	the	DET
inlawrev-3746	739	11	fha	fha	PROPN
inlawrev-3746	739	12	should	should	AUX
inlawrev-3746	739	13	change	change	VERB
inlawrev-3746	739	14	the	the	DET
inlawrev-3746	739	15	incentives	incentive	NOUN
inlawrev-3746	739	16	and	and	CCONJ
inlawrev-3746	739	17	penalties	penalty	NOUN
inlawrev-3746	739	18	for	for	ADP
inlawrev-3746	739	19	participation	participation	NOUN
inlawrev-3746	739	20	in	in	ADP
inlawrev-3746	739	21	its	its	PRON
inlawrev-3746	739	22	loss	loss	NOUN
inlawrev-3746	739	23	mitigation	mitigation	NOUN
inlawrev-3746	739	24	program	program	NOUN
inlawrev-3746	739	25	.	.	PUNCT
inlawrev-3746	740	1	while	while	SCONJ
inlawrev-3746	740	2	the	the	DET
inlawrev-3746	740	3	program	program	NOUN
inlawrev-3746	740	4	has	have	AUX
inlawrev-3746	740	5	been	be	AUX
inlawrev-3746	740	6	a	a	DET
inlawrev-3746	740	7	"	"	PUNCT
inlawrev-3746	740	8	powerful	powerful	ADJ
inlawrev-3746	740	9	set	set	NOUN
inlawrev-3746	740	10	of	of	ADP
inlawrev-3746	740	11	tools	tool	NOUN
inlawrev-3746	740	12	"	"	PUNCT
inlawrev-3746	740	13	for	for	ADP
inlawrev-3746	740	14	resolving	resolve	VERB
inlawrev-3746	740	15	mortgage	mortgage	NOUN
inlawrev-3746	740	16	delinquencies	delinquency	NOUN
inlawrev-3746	740	17	,	,	PUNCT
inlawrev-3746	740	18	it	it	PRON
inlawrev-3746	740	19	can	can	AUX
inlawrev-3746	740	20	and	and	CCONJ
inlawrev-3746	740	21	should	should	AUX
inlawrev-3746	740	22	make	make	VERB
inlawrev-3746	740	23	small	small	ADJ
inlawrev-3746	740	24	changes	change	NOUN
inlawrev-3746	740	25	to	to	PART
inlawrev-3746	740	26	enhance	enhance	VERB
inlawrev-3746	740	27	the	the	DET
inlawrev-3746	740	28	program	program	NOUN
inlawrev-3746	740	29	's	's	PART
inlawrev-3746	740	30	power	power	NOUN
inlawrev-3746	740	31	.	.	PUNCT
inlawrev-3746	741	1	140	140	NUM
inlawrev-3746	741	2	in	in	ADP
inlawrev-3746	741	3	a	a	DET
inlawrev-3746	741	4	2000	2000	NUM
inlawrev-3746	741	5	study	study	NOUN
inlawrev-3746	741	6	on	on	ADP
inlawrev-3746	741	7	the	the	DET
inlawrev-3746	741	8	success	success	NOUN
inlawrev-3746	741	9	of	of	ADP
inlawrev-3746	741	10	the	the	DET
inlawrev-3746	741	11	loss	loss	NOUN
inlawrev-3746	741	12	mitigation	mitigation	NOUN
inlawrev-3746	741	13	program	program	NOUN
inlawrev-3746	741	14	,	,	PUNCT
inlawrev-3746	741	15	the	the	DET
inlawrev-3746	741	16	main	main	ADJ
inlawrev-3746	741	17	recommendations	recommendation	NOUN
inlawrev-3746	741	18	for	for	ADP
inlawrev-3746	741	19	reform	reform	NOUN
inlawrev-3746	741	20	centered	center	VERB
inlawrev-3746	741	21	around	around	ADP
inlawrev-3746	741	22	more	more	ADV
inlawrev-3746	741	23	complete	complete	ADJ
inlawrev-3746	741	24	data	datum	NOUN
inlawrev-3746	741	25	collection	collection	NOUN
inlawrev-3746	741	26	and	and	CCONJ
inlawrev-3746	741	27	information	information	NOUN
inlawrev-3746	741	28	sharing	sharing	NOUN
inlawrev-3746	741	29	between	between	ADP
inlawrev-3746	741	30	lenders	lender	NOUN
inlawrev-3746	741	31	and	and	CCONJ
inlawrev-3746	741	32	hud	hud	PROPN
inlawrev-3746	741	33	.	.	PROPN
inlawrev-3746	741	34	141	141	NUM
inlawrev-3746	741	35	while	while	SCONJ
inlawrev-3746	741	36	these	these	DET
inlawrev-3746	741	37	suggestions	suggestion	NOUN
inlawrev-3746	741	38	may	may	AUX
inlawrev-3746	741	39	have	have	VERB
inlawrev-3746	741	40	merit	merit	NOUN
inlawrev-3746	741	41	for	for	ADP
inlawrev-3746	741	42	hud	hud	PROPN
inlawrev-3746	741	43	and	and	CCONJ
inlawrev-3746	741	44	the	the	DET
inlawrev-3746	741	45	fha	fha	NOUN
inlawrev-3746	741	46	in	in	ADP
inlawrev-3746	741	47	the	the	DET
inlawrev-3746	741	48	future	future	NOUN
inlawrev-3746	741	49	,	,	PUNCT
inlawrev-3746	741	50	its	its	PRON
inlawrev-3746	741	51	main	main	ADJ
inlawrev-3746	741	52	concern	concern	NOUN
inlawrev-3746	741	53	should	should	AUX
inlawrev-3746	741	54	be	be	AUX
inlawrev-3746	741	55	ensuring	ensure	VERB
inlawrev-3746	741	56	continued	continue	VERB
inlawrev-3746	741	57	involvement	involvement	NOUN
inlawrev-3746	741	58	in	in	ADP
inlawrev-3746	741	59	the	the	DET
inlawrev-3746	741	60	program	program	NOUN
inlawrev-3746	741	61	.	.	PUNCT
inlawrev-3746	742	1	under	under	ADP
inlawrev-3746	742	2	the	the	DET
inlawrev-3746	742	3	loss	loss	NOUN
inlawrev-3746	742	4	mitigation	mitigation	NOUN
inlawrev-3746	742	5	program	program	NOUN
inlawrev-3746	742	6	,	,	PUNCT
inlawrev-3746	742	7	the	the	DET
inlawrev-3746	742	8	fha	fha	PROPN
inlawrev-3746	742	9	provides	provide	VERB
inlawrev-3746	742	10	incentives	incentive	NOUN
inlawrev-3746	742	11	for	for	ADP
inlawrev-3746	742	12	program	program	NOUN
inlawrev-3746	742	13	participation	participation	NOUN
inlawrev-3746	742	14	and	and	CCONJ
inlawrev-3746	742	15	penalties	penalty	NOUN
inlawrev-3746	742	16	for	for	ADP
inlawrev-3746	742	17	lenders	lender	NOUN
inlawrev-3746	742	18	who	who	PRON
inlawrev-3746	742	19	do	do	AUX
inlawrev-3746	742	20	not	not	PART
inlawrev-3746	742	21	participate	participate	VERB
inlawrev-3746	742	22	.	.	PUNCT
inlawrev-3746	743	1	142	142	NUM
inlawrev-3746	743	2	while	while	SCONJ
inlawrev-3746	743	3	the	the	DET
inlawrev-3746	743	4	fha	fha	PROPN
inlawrev-3746	743	5	has	have	AUX
inlawrev-3746	743	6	,	,	PUNCT
inlawrev-3746	743	7	in	in	ADP
inlawrev-3746	743	8	the	the	DET
inlawrev-3746	743	9	past	past	NOUN
inlawrev-3746	743	10	,	,	PUNCT
inlawrev-3746	743	11	been	be	AUX
inlawrev-3746	743	12	able	able	ADJ
inlawrev-3746	743	13	to	to	PART
inlawrev-3746	743	14	impose	impose	VERB
inlawrev-3746	743	15	these	these	DET
inlawrev-3746	743	16	penalties	penalty	NOUN
inlawrev-3746	743	17	against	against	ADP
inlawrev-3746	743	18	lenders	lender	NOUN
inlawrev-3746	743	19	without	without	ADP
inlawrev-3746	743	20	fear	fear	NOUN
inlawrev-3746	743	21	ofrecourse	ofrecourse	ADJ
inlawrev-3746	743	22	,	,	PUNCT
inlawrev-3746	743	23	they	they	PRON
inlawrev-3746	743	24	must	must	AUX
inlawrev-3746	743	25	now	now	ADV
inlawrev-3746	743	26	reevaluate	reevaluate	VERB
inlawrev-3746	743	27	the	the	DET
inlawrev-3746	743	28	loss	loss	NOUN
inlawrev-3746	743	29	mitigation	mitigation	NOUN
inlawrev-3746	743	30	program	program	NOUN
inlawrev-3746	743	31	's	's	PART
inlawrev-3746	743	32	reward	reward	NOUN
inlawrev-3746	743	33	structure	structure	NOUN
inlawrev-3746	743	34	.	.	PUNCT
inlawrev-3746	744	1	as	as	SCONJ
inlawrev-3746	744	2	stated	state	VERB
inlawrev-3746	744	3	previously	previously	ADV
inlawrev-3746	744	4	,	,	PUNCT
inlawrev-3746	744	5	the	the	DET
inlawrev-3746	744	6	private	private	ADJ
inlawrev-3746	744	7	mortgage	mortgage	NOUN
inlawrev-3746	744	8	insurance	insurance	NOUN
inlawrev-3746	744	9	market	market	NOUN
inlawrev-3746	744	10	has	have	AUX
inlawrev-3746	744	11	created	create	VERB
inlawrev-3746	744	12	strong	strong	ADJ
inlawrev-3746	744	13	competition	competition	NOUN
inlawrev-3746	744	14	for	for	ADP
inlawrev-3746	744	15	the	the	DET
inlawrev-3746	744	16	fha	fha	PROPN
inlawrev-3746	744	17	.	.	PUNCT
inlawrev-3746	745	1	lenders	lender	NOUN
inlawrev-3746	745	2	now	now	ADV
inlawrev-3746	745	3	have	have	VERB
inlawrev-3746	745	4	the	the	DET
inlawrev-3746	745	5	option	option	NOUN
inlawrev-3746	745	6	to	to	PART
inlawrev-3746	745	7	encourage	encourage	VERB
inlawrev-3746	745	8	buyers	buyer	NOUN
inlawrev-3746	745	9	to	to	PART
inlawrev-3746	745	10	pursue	pursue	VERB
inlawrev-3746	745	11	either	either	CCONJ
inlawrev-3746	745	12	fha	fha	PROPN
inlawrev-3746	745	13	or	or	CCONJ
inlawrev-3746	745	14	private	private	ADJ
inlawrev-3746	745	15	insurance	insurance	NOUN
inlawrev-3746	745	16	to	to	PART
inlawrev-3746	745	17	obtain	obtain	VERB
inlawrev-3746	745	18	better	well	ADJ
inlawrev-3746	745	19	interest	interest	NOUN
inlawrev-3746	745	20	rates	rate	NOUN
inlawrev-3746	745	21	.	.	PUNCT
inlawrev-3746	746	1	because	because	SCONJ
inlawrev-3746	746	2	private	private	ADJ
inlawrev-3746	746	3	mortgage	mortgage	NOUN
inlawrev-3746	746	4	insurers	insurer	NOUN
inlawrev-3746	746	5	likely	likely	ADV
inlawrev-3746	746	6	do	do	AUX
inlawrev-3746	746	7	not	not	PART
inlawrev-3746	746	8	require	require	VERB
inlawrev-3746	746	9	loss	loss	NOUN
inlawrev-3746	746	10	mitigation	mitigation	NOUN
inlawrev-3746	746	11	before	before	ADP
inlawrev-3746	746	12	foreclosures	foreclosure	NOUN
inlawrev-3746	746	13	and	and	CCONJ
inlawrev-3746	746	14	,	,	PUNCT
inlawrev-3746	746	15	even	even	ADV
inlawrev-3746	746	16	more	more	ADV
inlawrev-3746	746	17	likely	likely	ADJ
inlawrev-3746	746	18	,	,	PUNCT
inlawrev-3746	746	19	do	do	AUX
inlawrev-3746	746	20	not	not	PART
inlawrev-3746	746	21	threaten	threaten	VERB
inlawrev-3746	746	22	penalties	penalty	NOUN
inlawrev-3746	746	23	for	for	ADP
inlawrev-3746	746	24	non	non	ADJ
inlawrev-3746	746	25	-	-	NOUN
inlawrev-3746	746	26	compliance	compliance	NOUN
inlawrev-3746	746	27	,	,	PUNCT
inlawrev-3746	746	28	many	many	ADJ
inlawrev-3746	746	29	lenders	lender	NOUN
inlawrev-3746	746	30	may	may	AUX
inlawrev-3746	746	31	prefer	prefer	VERB
inlawrev-3746	746	32	to	to	PART
inlawrev-3746	746	33	work	work	VERB
inlawrev-3746	746	34	with	with	ADP
inlawrev-3746	746	35	the	the	DET
inlawrev-3746	746	36	private	private	ADJ
inlawrev-3746	746	37	market	market	NOUN
inlawrev-3746	746	38	.	.	PUNCT
inlawrev-3746	747	1	this	this	PRON
inlawrev-3746	747	2	will	will	AUX
inlawrev-3746	747	3	again	again	ADV
inlawrev-3746	747	4	flood	flood	VERB
inlawrev-3746	747	5	the	the	DET
inlawrev-3746	747	6	fha	fha	PROPN
inlawrev-3746	747	7	'	'	PART
inlawrev-3746	747	8	s	s	PROPN
inlawrev-3746	747	9	insurance	insurance	NOUN
inlawrev-3746	747	10	portfolio	portfolio	NOUN
inlawrev-3746	747	11	with	with	ADP
inlawrev-3746	747	12	risky	risky	ADJ
inlawrev-3746	747	13	borrowers	borrower	NOUN
inlawrev-3746	747	14	,	,	PUNCT
inlawrev-3746	747	15	because	because	SCONJ
inlawrev-3746	747	16	they	they	PRON
inlawrev-3746	747	17	will	will	AUX
inlawrev-3746	747	18	have	have	VERB
inlawrev-3746	747	19	fewer	few	ADJ
inlawrev-3746	747	20	lenders	lender	NOUN
inlawrev-3746	747	21	with	with	ADP
inlawrev-3746	747	22	which	which	PRON
inlawrev-3746	747	23	to	to	PART
inlawrev-3746	747	24	work	work	VERB
inlawrev-3746	747	25	.	.	PUNCT
inlawrev-3746	748	1	thus	thus	ADV
inlawrev-3746	748	2	,	,	PUNCT
inlawrev-3746	748	3	the	the	DET
inlawrev-3746	748	4	fha	fha	PROPN
inlawrev-3746	748	5	should	should	AUX
inlawrev-3746	748	6	focus	focus	VERB
inlawrev-3746	748	7	on	on	ADP
inlawrev-3746	748	8	rewarding	reward	VERB
inlawrev-3746	748	9	the	the	DET
inlawrev-3746	748	10	lenders	lender	NOUN
inlawrev-3746	748	11	who	who	PRON
inlawrev-3746	748	12	use	use	VERB
inlawrev-3746	748	13	the	the	DET
inlawrev-3746	748	14	loss	loss	NOUN
inlawrev-3746	748	15	mitigation	mitigation	NOUN
inlawrev-3746	748	16	system	system	NOUN
inlawrev-3746	748	17	well	well	ADV
inlawrev-3746	748	18	with	with	ADP
inlawrev-3746	748	19	increased	increase	VERB
inlawrev-3746	748	20	incentives	incentive	NOUN
inlawrev-3746	748	21	and	and	CCONJ
inlawrev-3746	748	22	reduce	reduce	VERB
inlawrev-3746	748	23	or	or	CCONJ
inlawrev-3746	748	24	eliminate	eliminate	VERB
inlawrev-3746	748	25	penalties	penalty	NOUN
inlawrev-3746	748	26	for	for	ADP
inlawrev-3746	748	27	non	non	ADJ
inlawrev-3746	748	28	-	-	NOUN
inlawrev-3746	748	29	compliance	compliance	NOUN
inlawrev-3746	748	30	.	.	PUNCT
inlawrev-3746	749	1	while	while	SCONJ
inlawrev-3746	749	2	this	this	PRON
inlawrev-3746	749	3	may	may	AUX
inlawrev-3746	749	4	increase	increase	VERB
inlawrev-3746	749	5	the	the	DET
inlawrev-3746	749	6	cost	cost	NOUN
inlawrev-3746	749	7	ofthe	ofthe	NOUN
inlawrev-3746	749	8	program	program	NOUN
inlawrev-3746	749	9	,	,	PUNCT
inlawrev-3746	749	10	the	the	DET
inlawrev-3746	749	11	fha	fha	PROPN
inlawrev-3746	749	12	can	can	AUX
inlawrev-3746	749	13	likely	likely	ADV
inlawrev-3746	749	14	afford	afford	VERB
inlawrev-3746	749	15	the	the	DET
inlawrev-3746	749	16	changes	change	NOUN
inlawrev-3746	749	17	.	.	PUNCT
inlawrev-3746	750	1	143	143	NUM
inlawrev-3746	750	2	furthermore	furthermore	ADV
inlawrev-3746	750	3	,	,	PUNCT
inlawrev-3746	750	4	good	good	ADJ
inlawrev-3746	750	5	relationships	relationship	NOUN
inlawrev-3746	750	6	with	with	ADP
inlawrev-3746	750	7	lenders	lender	NOUN
inlawrev-3746	750	8	should	should	AUX
inlawrev-3746	750	9	reduce	reduce	VERB
inlawrev-3746	750	10	the	the	DET
inlawrev-3746	750	11	risk	risk	NOUN
inlawrev-3746	750	12	of	of	ADP
inlawrev-3746	750	13	the	the	DET
inlawrev-3746	750	14	fha	fha	PROPN
inlawrev-3746	750	15	's	's	PART
inlawrev-3746	750	16	insurance	insurance	NOUN
inlawrev-3746	750	17	portfolio	portfolio	NOUN
inlawrev-3746	750	18	,	,	PUNCT
inlawrev-3746	750	19	leading	lead	VERB
inlawrev-3746	750	20	to	to	ADP
inlawrev-3746	750	21	fewer	few	ADJ
inlawrev-3746	750	22	foreclosures	foreclosure	NOUN
inlawrev-3746	750	23	and	and	CCONJ
inlawrev-3746	750	24	less	less	ADJ
inlawrev-3746	750	25	need	need	NOUN
inlawrev-3746	750	26	for	for	ADP
inlawrev-3746	750	27	loss	loss	NOUN
inlawrev-3746	750	28	mitigation	mitigation	NOUN
inlawrev-3746	750	29	.	.	PUNCT
inlawrev-3746	751	1	138	138	NUM
inlawrev-3746	751	2	.	.	PUNCT
inlawrev-3746	752	1	changes	change	NOUN
inlawrev-3746	752	2	in	in	ADP
inlawrev-3746	752	3	the	the	DET
inlawrev-3746	752	4	performance	performance	NOUN
inlawrev-3746	752	5	of	of	ADP
inlawrev-3746	752	6	fha	fha	NOUN
inlawrev-3746	752	7	-	-	PUNCT
inlawrev-3746	752	8	insured	insure	VERB
inlawrev-3746	752	9	loans	loan	NOUN
inlawrev-3746	752	10	,	,	PUNCT
inlawrev-3746	752	11	supra	supra	NOUN
inlawrev-3746	752	12	note	note	NOUN
inlawrev-3746	752	13	1	1	NUM
inlawrev-3746	752	14	7	7	NUM
inlawrev-3746	752	15	,	,	PUNCT
inlawrev-3746	752	16	at	at	ADP
inlawrev-3746	752	17	26	26	NUM
inlawrev-3746	752	18	.	.	PUNCT
inlawrev-3746	752	19	139	139	NUM
inlawrev-3746	752	20	.	.	PUNCT
inlawrev-3746	753	1	i	i	PRON
inlawrev-3746	753	2	d.	d.	PROPN
inlawrev-3746	753	3	140	140	NUM
inlawrev-3746	753	4	.	.	PUNCT
inlawrev-3746	754	1	abt	abt	PROPN
inlawrev-3746	754	2	associates	associates	PROPN
inlawrev-3746	754	3	inc	inc	PROPN
inlawrev-3746	754	4	.	.	PROPN
inlawrev-3746	754	5	,	,	PUNCT
inlawrev-3746	754	6	supra	supra	PROPN
inlawrev-3746	754	7	note	note	PROPN
inlawrev-3746	754	8	97	97	NUM
inlawrev-3746	754	9	,	,	PUNCT
inlawrev-3746	754	10	at	at	ADP
inlawrev-3746	754	11	105	105	NUM
inlawrev-3746	754	12	.	.	PUNCT
inlawrev-3746	754	13	141	141	NUM
inlawrev-3746	754	14	.	.	PUNCT
inlawrev-3746	755	1	see	see	VERB
inlawrev-3746	755	2	i	i	PRON
inlawrev-3746	755	3	d.	d.	PROPN
inlawrev-3746	755	4	at	at	ADP
inlawrev-3746	755	5	105	105	NUM
inlawrev-3746	755	6	-	-	SYM
inlawrev-3746	755	7	13	13	NUM
inlawrev-3746	755	8	.	.	NOUN
inlawrev-3746	755	9	1	1	NUM
inlawrev-3746	755	10	42	42	NUM
inlawrev-3746	755	11	.	.	PUNCT
inlawrev-3746	756	1	see	see	VERB
inlawrev-3746	756	2	supra	supra	PROPN
inlawrev-3746	756	3	note	note	PROPN
inlawrev-3746	756	4	97	97	NUM
inlawrev-3746	756	5	.	.	PUNCT
inlawrev-3746	757	1	143	143	X
inlawrev-3746	757	2	.	.	PUNCT
inlawrev-3746	758	1	see	see	VERB
inlawrev-3746	758	2	supra	supra	PROPN
inlawrev-3746	758	3	note	note	PROPN
inlawrev-3746	758	4	137	137	NUM
inlawrev-3746	758	5	.	.	PUNCT
inlawrev-3746	759	1	2005	2005	NUM
inlawrev-3746	759	2	]	]	X
inlawrev-3746	759	3	hoosier	hoosier	NOUN
inlawrev-3746	759	4	inhospitality	inhospitality	NOUN
inlawrev-3746	759	5	111	111	NUM
inlawrev-3746	759	6	conclusion	conclusion	NOUN
inlawrev-3746	759	7	no	no	ADV
inlawrev-3746	759	8	matter	matter	ADV
inlawrev-3746	759	9	whether	whether	SCONJ
inlawrev-3746	759	10	states	state	NOUN
inlawrev-3746	759	11	use	use	VERB
inlawrev-3746	759	12	judicial	judicial	ADJ
inlawrev-3746	759	13	or	or	CCONJ
inlawrev-3746	759	14	nonjudicial	nonjudicial	ADJ
inlawrev-3746	759	15	foreclosure	foreclosure	NOUN
inlawrev-3746	759	16	,	,	PUNCT
inlawrev-3746	759	17	or	or	CCONJ
inlawrev-3746	759	18	whether	whether	SCONJ
inlawrev-3746	759	19	a	a	DET
inlawrev-3746	759	20	home	home	NOUN
inlawrev-3746	759	21	is	be	AUX
inlawrev-3746	759	22	worth	worth	ADJ
inlawrev-3746	759	23	fifty	fifty	NUM
inlawrev-3746	759	24	thousand	thousand	NUM
inlawrev-3746	759	25	or	or	CCONJ
inlawrev-3746	759	26	five	five	NUM
inlawrev-3746	759	27	million	million	NUM
inlawrev-3746	759	28	dollars	dollar	NOUN
inlawrev-3746	759	29	,	,	PUNCT
inlawrev-3746	759	30	problems	problem	NOUN
inlawrev-3746	759	31	with	with	ADP
inlawrev-3746	759	32	high	high	ADJ
inlawrev-3746	759	33	foreclosure	foreclosure	NOUN
inlawrev-3746	759	34	rates	rate	NOUN
inlawrev-3746	759	35	are	be	AUX
inlawrev-3746	759	36	pervasive	pervasive	ADJ
inlawrev-3746	759	37	in	in	ADP
inlawrev-3746	759	38	indiana	indiana	PROPN
inlawrev-3746	759	39	and	and	CCONJ
inlawrev-3746	759	40	across	across	ADP
inlawrev-3746	759	41	the	the	DET
inlawrev-3746	759	42	nation	nation	NOUN
inlawrev-3746	759	43	.	.	PUNCT
inlawrev-3746	760	1	although	although	SCONJ
inlawrev-3746	760	2	different	different	ADJ
inlawrev-3746	760	3	states	state	NOUN
inlawrev-3746	760	4	may	may	AUX
inlawrev-3746	760	5	attribute	attribute	VERB
inlawrev-3746	760	6	this	this	DET
inlawrev-3746	760	7	trend	trend	NOUN
inlawrev-3746	760	8	to	to	ADP
inlawrev-3746	760	9	varying	vary	VERB
inlawrev-3746	760	10	economic	economic	ADJ
inlawrev-3746	760	11	and	and	CCONJ
inlawrev-3746	760	12	social	social	ADJ
inlawrev-3746	760	13	factors	factor	NOUN
inlawrev-3746	760	14	,	,	PUNCT
inlawrev-3746	760	15	the	the	DET
inlawrev-3746	760	16	impact	impact	NOUN
inlawrev-3746	760	17	ofeach	ofeach	NOUN
inlawrev-3746	760	18	state	state	NOUN
inlawrev-3746	760	19	's	's	PART
inlawrev-3746	760	20	foreclosure	foreclosure	NOUN
inlawrev-3746	760	21	procedures	procedure	NOUN
inlawrev-3746	760	22	and	and	CCONJ
inlawrev-3746	760	23	offederal	offederal	ADJ
inlawrev-3746	760	24	agencies	agency	NOUN
inlawrev-3746	760	25	such	such	ADJ
inlawrev-3746	760	26	as	as	ADP
inlawrev-3746	760	27	the	the	DET
inlawrev-3746	760	28	federal	federal	PROPN
inlawrev-3746	760	29	housing	housing	PROPN
inlawrev-3746	760	30	administration	administration	NOUN
inlawrev-3746	760	31	can	can	AUX
inlawrev-3746	760	32	not	not	PART
inlawrev-3746	760	33	be	be	AUX
inlawrev-3746	760	34	ignored	ignore	VERB
inlawrev-3746	760	35	.	.	PUNCT
inlawrev-3746	761	1	state	state	NOUN
inlawrev-3746	761	2	foreclosure	foreclosure	NOUN
inlawrev-3746	761	3	laws	law	NOUN
inlawrev-3746	761	4	differ	differ	VERB
inlawrev-3746	761	5	in	in	ADP
inlawrev-3746	761	6	many	many	ADJ
inlawrev-3746	761	7	ways	way	NOUN
inlawrev-3746	761	8	.	.	PUNCT
inlawrev-3746	762	1	states	state	NOUN
inlawrev-3746	762	2	that	that	PRON
inlawrev-3746	762	3	are	be	AUX
inlawrev-3746	762	4	considered	consider	VERB
inlawrev-3746	762	5	more	more	ADJ
inlawrev-3746	762	6	lender	lender	NOUN
inlawrev-3746	762	7	-	-	PUNCT
inlawrev-3746	762	8	friendly	friendly	ADJ
inlawrev-3746	762	9	allow	allow	VERB
inlawrev-3746	762	10	for	for	ADP
inlawrev-3746	762	11	nonjudicial	nonjudicial	ADJ
inlawrev-3746	762	12	foreclosure	foreclosure	NOUN
inlawrev-3746	762	13	,	,	PUNCT
inlawrev-3746	762	14	do	do	AUX
inlawrev-3746	762	15	not	not	PART
inlawrev-3746	762	16	require	require	VERB
inlawrev-3746	762	17	notice	notice	NOUN
inlawrev-3746	762	18	ofdefault	ofdefault	NOUN
inlawrev-3746	762	19	or	or	CCONJ
inlawrev-3746	762	20	acceleration	acceleration	NOUN
inlawrev-3746	762	21	to	to	ADP
inlawrev-3746	762	22	the	the	DET
inlawrev-3746	762	23	borrower	borrower	NOUN
inlawrev-3746	762	24	,	,	PUNCT
inlawrev-3746	762	25	and	and	CCONJ
inlawrev-3746	762	26	do	do	AUX
inlawrev-3746	762	27	not	not	PART
inlawrev-3746	762	28	create	create	VERB
inlawrev-3746	762	29	an	an	DET
inlawrev-3746	762	30	additional	additional	ADJ
inlawrev-3746	762	31	statutory	statutory	ADJ
inlawrev-3746	762	32	right	right	NOUN
inlawrev-3746	762	33	of	of	ADP
inlawrev-3746	762	34	redemption	redemption	NOUN
inlawrev-3746	762	35	.	.	PUNCT
inlawrev-3746	763	1	meanwhile	meanwhile	ADV
inlawrev-3746	763	2	,	,	PUNCT
inlawrev-3746	763	3	borrower	borrower	NOUN
inlawrev-3746	763	4	-	-	PUNCT
inlawrev-3746	763	5	friendly	friendly	ADJ
inlawrev-3746	763	6	states	state	NOUN
inlawrev-3746	763	7	require	require	VERB
inlawrev-3746	763	8	judicial	judicial	ADJ
inlawrev-3746	763	9	foreclosure	foreclosure	NOUN
inlawrev-3746	763	10	proceedings	proceeding	NOUN
inlawrev-3746	763	11	,	,	PUNCT
inlawrev-3746	763	12	mandate	mandate	VERB
inlawrev-3746	763	13	notice	notice	NOUN
inlawrev-3746	763	14	to	to	ADP
inlawrev-3746	763	15	mortgagors	mortgagor	NOUN
inlawrev-3746	763	16	,	,	PUNCT
inlawrev-3746	763	17	and	and	CCONJ
inlawrev-3746	763	18	offer	offer	VERB
inlawrev-3746	763	19	redemption	redemption	NOUN
inlawrev-3746	763	20	rights	right	NOUN
inlawrev-3746	763	21	beyond	beyond	ADP
inlawrev-3746	763	22	those	those	PRON
inlawrev-3746	763	23	given	give	VERB
inlawrev-3746	763	24	by	by	ADP
inlawrev-3746	763	25	common	common	ADJ
inlawrev-3746	763	26	law	law	NOUN
inlawrev-3746	763	27	.	.	PUNCT
inlawrev-3746	764	1	these	these	DET
inlawrev-3746	764	2	small	small	ADJ
inlawrev-3746	764	3	differences	difference	NOUN
inlawrev-3746	764	4	can	can	AUX
inlawrev-3746	764	5	greatly	greatly	ADV
inlawrev-3746	764	6	impact	impact	VERB
inlawrev-3746	764	7	the	the	DET
inlawrev-3746	764	8	number	number	NOUN
inlawrev-3746	764	9	of	of	ADP
inlawrev-3746	764	10	foreclosures	foreclosure	NOUN
inlawrev-3746	764	11	in	in	ADP
inlawrev-3746	764	12	a	a	DET
inlawrev-3746	764	13	state	state	NOUN
inlawrev-3746	764	14	.	.	PUNCT
inlawrev-3746	765	1	the	the	DET
inlawrev-3746	765	2	federal	federal	PROPN
inlawrev-3746	765	3	housing	housing	PROPN
inlawrev-3746	765	4	administration	administration	PROPN
inlawrev-3746	765	5	,	,	PUNCT
inlawrev-3746	765	6	despite	despite	SCONJ
inlawrev-3746	765	7	its	its	PRON
inlawrev-3746	765	8	longstanding	longstanding	ADJ
inlawrev-3746	765	9	tradition	tradition	NOUN
inlawrev-3746	765	10	,	,	PUNCT
inlawrev-3746	765	11	has	have	AUX
inlawrev-3746	765	12	also	also	ADV
inlawrev-3746	765	13	contributed	contribute	VERB
inlawrev-3746	765	14	to	to	ADP
inlawrev-3746	765	15	poor	poor	ADJ
inlawrev-3746	765	16	mortgage	mortgage	NOUN
inlawrev-3746	765	17	performance	performance	NOUN
inlawrev-3746	765	18	.	.	PUNCT
inlawrev-3746	766	1	the	the	DET
inlawrev-3746	766	2	fha	fha	PROPN
inlawrev-3746	766	3	's	's	PART
inlawrev-3746	766	4	insurance	insurance	NOUN
inlawrev-3746	766	5	portfolio	portfolio	NOUN
inlawrev-3746	766	6	has	have	AUX
inlawrev-3746	766	7	grown	grow	VERB
inlawrev-3746	766	8	increasingly	increasingly	ADV
inlawrev-3746	766	9	risky	risky	ADJ
inlawrev-3746	766	10	because	because	SCONJ
inlawrev-3746	766	11	of	of	ADP
inlawrev-3746	766	12	the	the	DET
inlawrev-3746	766	13	agency	agency	NOUN
inlawrev-3746	766	14	's	's	PART
inlawrev-3746	766	15	goal	goal	NOUN
inlawrev-3746	766	16	to	to	PART
inlawrev-3746	766	17	permit	permit	VERB
inlawrev-3746	766	18	more	more	ADJ
inlawrev-3746	766	19	homeowners	homeowner	NOUN
inlawrev-3746	766	20	.	.	PUNCT
inlawrev-3746	767	1	this	this	PRON
inlawrev-3746	767	2	has	have	AUX
inlawrev-3746	767	3	forced	force	VERB
inlawrev-3746	767	4	the	the	DET
inlawrev-3746	767	5	agency	agency	NOUN
inlawrev-3746	767	6	to	to	PART
inlawrev-3746	767	7	undertake	undertake	VERB
inlawrev-3746	767	8	several	several	ADJ
inlawrev-3746	767	9	measures	measure	NOUN
inlawrev-3746	767	10	to	to	PART
inlawrev-3746	767	11	strike	strike	VERB
inlawrev-3746	767	12	a	a	DET
inlawrev-3746	767	13	balance	balance	NOUN
inlawrev-3746	767	14	between	between	ADP
inlawrev-3746	767	15	homeownership	homeownership	NOUN
inlawrev-3746	767	16	for	for	ADP
inlawrev-3746	767	17	all	all	PRON
inlawrev-3746	767	18	and	and	CCONJ
inlawrev-3746	767	19	mitigating	mitigate	VERB
inlawrev-3746	767	20	costs	cost	NOUN
inlawrev-3746	767	21	.	.	PUNCT
inlawrev-3746	768	1	the	the	DET
inlawrev-3746	768	2	gentle	gentle	ADJ
inlawrev-3746	768	3	balance	balance	NOUN
inlawrev-3746	768	4	between	between	ADP
inlawrev-3746	768	5	reasonableness	reasonableness	NOUN
inlawrev-3746	768	6	and	and	CCONJ
inlawrev-3746	768	7	promoting	promote	VERB
inlawrev-3746	768	8	homeownership	homeownership	NOUN
inlawrev-3746	768	9	opportunities	opportunity	NOUN
inlawrev-3746	768	10	for	for	ADP
inlawrev-3746	768	11	all	all	DET
inlawrev-3746	768	12	citizens	citizen	NOUN
inlawrev-3746	768	13	is	be	AUX
inlawrev-3746	768	14	at	at	ADP
inlawrev-3746	768	15	the	the	DET
inlawrev-3746	768	16	heart	heart	NOUN
inlawrev-3746	768	17	of	of	ADP
inlawrev-3746	768	18	foreclosure	foreclosure	NOUN
inlawrev-3746	768	19	law	law	NOUN
inlawrev-3746	768	20	.	.	PUNCT
inlawrev-3746	769	1	there	there	PRON
inlawrev-3746	769	2	are	be	VERB
inlawrev-3746	769	3	many	many	ADJ
inlawrev-3746	769	4	undeniable	undeniable	ADJ
inlawrev-3746	769	5	personal	personal	ADJ
inlawrev-3746	769	6	and	and	CCONJ
inlawrev-3746	769	7	external	external	ADJ
inlawrev-3746	769	8	benefits	benefit	NOUN
inlawrev-3746	769	9	that	that	PRON
inlawrev-3746	769	10	owning	own	VERB
inlawrev-3746	769	11	a	a	DET
inlawrev-3746	769	12	home	home	NOUN
inlawrev-3746	769	13	can	can	AUX
inlawrev-3746	769	14	have	have	VERB
inlawrev-3746	769	15	on	on	ADP
inlawrev-3746	769	16	a	a	DET
inlawrev-3746	769	17	community	community	NOUN
inlawrev-3746	769	18	,	,	PUNCT
inlawrev-3746	769	19	but	but	CCONJ
inlawrev-3746	769	20	at	at	ADP
inlawrev-3746	769	21	some	some	DET
inlawrev-3746	769	22	point	point	NOUN
inlawrev-3746	769	23	these	these	DET
inlawrev-3746	769	24	benefits	benefit	NOUN
inlawrev-3746	769	25	are	be	AUX
inlawrev-3746	769	26	outweighed	outweigh	VERB
inlawrev-3746	769	27	by	by	ADP
inlawrev-3746	769	28	the	the	DET
inlawrev-3746	769	29	additional	additional	ADJ
inlawrev-3746	769	30	costs	cost	NOUN
inlawrev-3746	769	31	of	of	ADP
inlawrev-3746	769	32	pursing	purse	VERB
inlawrev-3746	769	33	such	such	DET
inlawrev-3746	769	34	a	a	DET
inlawrev-3746	769	35	goal	goal	NOUN
inlawrev-3746	769	36	.	.	PUNCT
inlawrev-3746	770	1	indiana	indiana	PROPN
inlawrev-3746	770	2	,	,	PUNCT
inlawrev-3746	770	3	just	just	ADV
inlawrev-3746	770	4	like	like	ADP
inlawrev-3746	770	5	every	every	DET
inlawrev-3746	770	6	other	other	ADJ
inlawrev-3746	770	7	state	state	NOUN
inlawrev-3746	770	8	,	,	PUNCT
inlawrev-3746	770	9	must	must	AUX
inlawrev-3746	770	10	address	address	VERB
inlawrev-3746	770	11	and	and	CCONJ
inlawrev-3746	770	12	confront	confront	VERB
inlawrev-3746	770	13	its	its	PRON
inlawrev-3746	770	14	foreclosure	foreclosure	NOUN
inlawrev-3746	770	15	problems	problem	NOUN
inlawrev-3746	770	16	because	because	SCONJ
inlawrev-3746	770	17	the	the	DET
inlawrev-3746	770	18	federal	federal	ADJ
inlawrev-3746	770	19	government	government	NOUN
inlawrev-3746	770	20	has	have	AUX
inlawrev-3746	770	21	not	not	PART
inlawrev-3746	770	22	implemented	implement	VERB
inlawrev-3746	770	23	universal	universal	ADJ
inlawrev-3746	770	24	changes	change	NOUN
inlawrev-3746	770	25	in	in	ADP
inlawrev-3746	770	26	foreclosure	foreclosure	NOUN
inlawrev-3746	770	27	standards	standard	NOUN
inlawrev-3746	770	28	.	.	PUNCT
inlawrev-3746	771	1	however	however	ADV
inlawrev-3746	771	2	,	,	PUNCT
inlawrev-3746	771	3	by	by	ADP
inlawrev-3746	771	4	creating	create	VERB
inlawrev-3746	771	5	a	a	DET
inlawrev-3746	771	6	statutory	statutory	ADJ
inlawrev-3746	771	7	nonjudicial	nonjudicial	ADJ
inlawrev-3746	771	8	foreclosure	foreclosure	NOUN
inlawrev-3746	771	9	scheme	scheme	NOUN
inlawrev-3746	771	10	and	and	CCONJ
inlawrev-3746	771	11	pursuing	pursue	VERB
inlawrev-3746	771	12	loss	loss	NOUN
inlawrev-3746	771	13	mitigation	mitigation	NOUN
inlawrev-3746	771	14	strategies	strategy	NOUN
inlawrev-3746	771	15	,	,	PUNCT
inlawrev-3746	771	16	indiana	indiana	PROPN
inlawrev-3746	771	17	should	should	AUX
inlawrev-3746	771	18	be	be	AUX
inlawrev-3746	771	19	able	able	ADJ
inlawrev-3746	771	20	to	to	PART
inlawrev-3746	771	21	remove	remove	VERB
inlawrev-3746	771	22	its	its	PRON
inlawrev-3746	771	23	stigma	stigma	NOUN
inlawrev-3746	771	24	as	as	ADP
inlawrev-3746	771	25	an	an	DET
inlawrev-3746	771	26	unstable	unstable	ADJ
inlawrev-3746	771	27	real	real	ADJ
inlawrev-3746	771	28	estate	estate	NOUN
inlawrev-3746	771	29	market	market	NOUN
inlawrev-3746	771	30	.	.	PUNCT
inlawrev-3746	772	1	at	at	ADP
inlawrev-3746	772	2	the	the	DET
inlawrev-3746	772	3	same	same	ADJ
inlawrev-3746	772	4	time	time	NOUN
inlawrev-3746	772	5	that	that	PRON
inlawrev-3746	772	6	states	state	NOUN
inlawrev-3746	772	7	are	be	AUX
inlawrev-3746	772	8	reexamining	reexamine	VERB
inlawrev-3746	772	9	their	their	PRON
inlawrev-3746	772	10	procedures	procedure	NOUN
inlawrev-3746	772	11	,	,	PUNCT
inlawrev-3746	772	12	the	the	DET
inlawrev-3746	772	13	fha	fha	PROPN
inlawrev-3746	772	14	should	should	AUX
inlawrev-3746	772	15	continue	continue	VERB
inlawrev-3746	772	16	to	to	PART
inlawrev-3746	772	17	reduce	reduce	VERB
inlawrev-3746	772	18	its	its	PRON
inlawrev-3746	772	19	increasingly	increasingly	ADV
inlawrev-3746	772	20	negative	negative	ADJ
inlawrev-3746	772	21	impact	impact	NOUN
inlawrev-3746	772	22	on	on	ADP
inlawrev-3746	772	23	the	the	DET
inlawrev-3746	772	24	housing	housing	NOUN
inlawrev-3746	772	25	market	market	NOUN
inlawrev-3746	772	26	.	.	PUNCT
inlawrev-3746	773	1	although	although	SCONJ
inlawrev-3746	773	2	it	it	PRON
inlawrev-3746	773	3	is	be	AUX
inlawrev-3746	773	4	unlikely	unlikely	ADJ
inlawrev-3746	773	5	the	the	DET
inlawrev-3746	773	6	entire	entire	ADJ
inlawrev-3746	773	7	agency	agency	NOUN
inlawrev-3746	773	8	will	will	AUX
inlawrev-3746	773	9	terminate	terminate	VERB
inlawrev-3746	773	10	,	,	PUNCT
inlawrev-3746	773	11	it	it	PRON
inlawrev-3746	773	12	can	can	AUX
inlawrev-3746	773	13	reduce	reduce	VERB
inlawrev-3746	773	14	its	its	PRON
inlawrev-3746	773	15	impact	impact	NOUN
inlawrev-3746	773	16	and	and	CCONJ
inlawrev-3746	773	17	own	own	ADJ
inlawrev-3746	773	18	risk	risk	NOUN
inlawrev-3746	773	19	by	by	ADP
inlawrev-3746	773	20	creating	create	VERB
inlawrev-3746	773	21	counseling	counseling	NOUN
inlawrev-3746	773	22	opportunities	opportunity	NOUN
inlawrev-3746	773	23	for	for	ADP
inlawrev-3746	773	24	unknowledgeable	unknowledgeable	ADJ
inlawrev-3746	773	25	borrowers	borrower	NOUN
inlawrev-3746	773	26	,	,	PUNCT
inlawrev-3746	773	27	rewarding	reward	VERB
inlawrev-3746	773	28	borrowers	borrower	NOUN
inlawrev-3746	773	29	with	with	ADP
inlawrev-3746	773	30	less	less	ADJ
inlawrev-3746	773	31	risk	risk	NOUN
inlawrev-3746	773	32	,	,	PUNCT
inlawrev-3746	773	33	and	and	CCONJ
inlawrev-3746	773	34	encouraging	encourage	VERB
inlawrev-3746	773	35	lenders	lender	NOUN
inlawrev-3746	773	36	to	to	PART
inlawrev-3746	773	37	do	do	VERB
inlawrev-3746	773	38	their	their	PRON
inlawrev-3746	773	39	part	part	NOUN
inlawrev-3746	773	40	to	to	PART
inlawrev-3746	773	41	reduce	reduce	VERB
inlawrev-3746	773	42	foreclosures	foreclosure	NOUN
inlawrev-3746	773	43	.	.	PUNCT
inlawrev-3746	774	1	while	while	SCONJ
inlawrev-3746	774	2	there	there	PRON
inlawrev-3746	774	3	is	be	VERB
inlawrev-3746	774	4	no	no	DET
inlawrev-3746	774	5	quick	quick	ADJ
inlawrev-3746	774	6	fix	fix	NOUN
inlawrev-3746	774	7	to	to	ADP
inlawrev-3746	774	8	the	the	DET
inlawrev-3746	774	9	highest	high	ADJ
inlawrev-3746	774	10	national	national	ADJ
inlawrev-3746	774	11	foreclosure	foreclosure	NOUN
inlawrev-3746	774	12	rate	rate	NOUN
inlawrev-3746	774	13	in	in	ADP
inlawrev-3746	774	14	history	history	NOUN
inlawrev-3746	774	15	,	,	PUNCT
inlawrev-3746	774	16	with	with	ADP
inlawrev-3746	774	17	concerted	concerted	ADJ
inlawrev-3746	774	18	efforts	effort	NOUN
inlawrev-3746	774	19	from	from	ADP
inlawrev-3746	774	20	many	many	ADJ
inlawrev-3746	774	21	parties	party	NOUN
inlawrev-3746	774	22	,	,	PUNCT
inlawrev-3746	774	23	the	the	DET
inlawrev-3746	774	24	american	american	ADJ
inlawrev-3746	774	25	housing	housing	NOUN
inlawrev-3746	774	26	market	market	NOUN
inlawrev-3746	774	27	can	can	AUX
inlawrev-3746	774	28	turn	turn	VERB
inlawrev-3746	774	29	the	the	DET
inlawrev-3746	774	30	corner	corner	NOUN
inlawrev-3746	774	31	and	and	CCONJ
inlawrev-3746	774	32	homeownership	homeownership	NOUN
inlawrev-3746	774	33	can	can	AUX
inlawrev-3746	774	34	become	become	VERB
inlawrev-3746	774	35	a	a	DET
inlawrev-3746	774	36	dream	dream	NOUN
inlawrev-3746	774	37	for	for	ADP
inlawrev-3746	774	38	all	all	PRON
inlawrev-3746	774	39	once	once	ADV
inlawrev-3746	774	40	again	again	ADV
inlawrev-3746	774	41	.	.	PUNCT