But if the most recent year's income is the lower of the two, the lender may use that most recent year instead, she adds.
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Core inflation slowed modestly in the second half of last year, but recent readings have been somewhat elevated and the level of core inflation remains uncomfortably high.
Housing prices have cooled in recent months, but are rising year over year.
This likely discouraged those who bought early in the year, but more recent buyers could also be due for shock.
Since then starts have recovered somewhat to about 110, 000 per year, but DCLG said recent quarters had seen them slip back again.
That record will not be broken this year, but the more recent cold March of 1987 looks under threat - its mean temperature was 3.3C.
But the recent death of a 13-year-old at a pool in Florida has experts concerned about water safety for pre-teens and adolescents.
Ms. Beecher recalls standing-room only crowds at DACA workshops held by the organization last year, but said a recent event attracted fewer than 30.
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Migration has slowed from a high of nearly 2 million annually in 2006 to less than 800, 000 last year, but the most recent numbers show that the Sun Belt states, though chastened by the recession, are far from dead, as often alleged.
That figure has fallen in recent months, but is still higher than a year ago.
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But keep in mind that the most recent five-year pace of dividend hikes seriously lags the pace of dividend growth in the five prior years.
Cash equivalents have become increasingly popular, but gift cards too involve waste: In one recent year, Consumer Reports said 27 percent of these went unredeemed.
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Officials at Melbourne Park insist they have made the courts faster in recent years by altering both factors, but this year's tournament is unchanged from 2005.
Both studies missed their main goal, but the more recent one--a three-year, 124-patient study--shows that patients on the drug lived, on average, an extra four months.
But a more recent precedent is her motion, a year ago, to annul regulations to allow civil partnership ceremonies to be held in church - which had a rather frostier reception.
Of course the lawsuits are not over yet but this year may be brighter for BofA than more recent ones.
But in the most recent study ending in March of this year, the actual percentages were 5.97% of large cap funds, 4.35% of mid cap funds, and 15.56% of small cap funds.
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Russia still had a current-account surplus last year, but if oil prices continue their recent decline, the balance of payments will soon look less healthy and the need for foreign investment may become more urgent.
Early estimates of the death toll from the 3-year war ranged up to 300, 000, but recent research reduced that to about 100, 000.
Horton not only up big over the last year-plus but also delivering on those expectations with recent profit reports that cleared a high hurdle of optimism.
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The councillor for the area, Keith Pearson, said that complaints were ongoing but he had seen an increase in recent months as the 10-year-old motorway surface had degraded.
But because buildings must have had 50% occupancy in the most recent year to achieve the ENERGY STAR label, some energy-efficient buildings were ineligible for government leases due to low occupancy.
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She says she wasn't planning on voting in the U.S. election this year but was inspired by the Obama administration's recent announcement that it would stop deporting young illegal immigrants who entered the United States as children.
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But a recent price run-up from DKK450 to DKK620 over the last year has mosty closed the gap.
But SCIS praises changes in training in recent years, such as a guaranteed year's work for probationers to allow them to hone their skills.
Ferguson, who has been at United since 1986, had been expected to get a lucrative new four-year contract, but that was put under threat by a recent dispute with the Irish duo.
But as the recent controversy at University College in London showed earlier this academic year, there are considerable tensions and debates among Muslims about the degree to which science challenges fundamental tenets of Islam.
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But on that day, McQueary was a 28-year-old strapping recent college football player, while Sandusky was 58 years old.
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The price varies slightly from year to year, but it has not been showing an upward trend in recent years.
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