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In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity.In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied todiscrimination in loan-pricing and credit-scoring.

Special warfare was a key component of American military operations long before Afghanistan and even before the heroic deeds of the Green Berets. Alfred Paddock's revised edition of his classic study -- for two decades the definitive word on the subject -- honors the fiftieth anniversary of the organizations responsible for Army special warfare, and serves as a timely reminder of the likely role such forces can play in combating threats to American national security. Based on exhaustive research in formerly classified documents, Paddock examines the U.S. Army's activities in psychological and unconventional warfare during World War II, Korea, and the early Cold War to determine the impetus for, and origins of, the "special warfare" capability established at Fort Bragg, North Carolina. He describes the key role played by Major General Robert A. McClure, the "father of Army special warfare, " to convince often reluctant military and civilian leaders to rebuild psychological warfare forces dissipated after World War II and to create Special Forces -- the Army's first formal organization to conduct guerrilla warfare. Paddock also clearly establishes the influence of concepts pioneered by the Office of Strategic Services on the original design of Special Forces. This revised edition draws on the newly available papers of Major General McClure and provides additional information on his role as Eisenhower's chief of psychological warfare in North Africa and Europe, his service as chief of information control in occupied Germany, and his assignment as chief of the New York Field Office of the Army's Civil Affairs Division. Paddock also includes new sections on American psychological warfarein the Pacific, the Army Rangers, the 1st Special Service Force, and American-led guerrillas in the Philippines. In a reflective new epilogue that draws partly upon his own experience, Paddock also provides keen insights into the use of special warfare during Vietnam.

The American Fellowship Services - The American Fellowship Services is a splinter group of The Way International, using some of the same concepts and practices, but on a smaller scale. It was founded during the organization's shift in leadership, a time that is often refered to by alumni as the fog years.

The Queen's York Rangers (1st American Regiment) (RCAC) - The 1st American Regiment was originally raised during the Seven Years' War by Robert Rogers and were better known as Rogers' Rangers. They were re-raised by Rogers in 1776, and served to 1784.

American Reprographics Company - American Reprographics Company is the largest reprographics company in the United States, providing business-to-business document management services to the architectural, engineering and construction industry, or AEC industry. It also provides these services to companies in non-AEC industries that require sophisticated document management services.

George Germain, 1st Viscount Sackville - George Sackville, 1st Viscount Sackville (January 26,1716 â€“ August 26, 1785) was a British soldier and politician who was Secretary of State for America in Lord North's cabinet during the American Revolution. His ministry received much of the blame for Britain's loss of her American colonies.

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