Sure, lots of mortgages were going bad in 2007 when this obnoxious bomb was cobbled together.
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"Yes, things have been going bad, " she said in a CNN interview in 2005.
Banning investments in stocks that insiders know are going bad places very soon is one place to start.
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You want to hedge against the possibility, however remote, of Intel going bad.
When these asset classes, by sheer force of nature, began to correct, losses were exacerbated by countless loans going bad.
Also, Barclays says that it has already taken fairly substantial charges to cover the risk of loans to Spanish companies going bad.
One encouraging trend for the bank and the economy was a fall of more than a fifth in losses from loans going bad.
"Yes, things have been going bad, " she told CNN in 2005.
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And in case you think Lloyds is being singled out as somehow taking an unusually optimistic view of the risk of mortgages going bad, that would be wrong.
Now Lloyds may be right that these really are the most succulent and prime of loans, where the probability of them going bad really is more or less zero.
Reducing loss reserves and moving them into the earnings bucket not only shows that fewer loans are going bad, but that earnings can rebound handsomely in the face of rising creditworthiness.
But because of the rapid rate at which loans are going bad, Bair says the FDIC continues to "strongly encourage" banks to have the necessary reserves to cover any credit losses.
But Lloyds believes that the probability of these loans going bad is negligible, as I have already mentioned, so its own regulator-approved risk model attaches a risk weight to the loans of 2.2%.
He sums up his key points about how to keep models from going bad by quoting excerpts from his "Financial Modeler's Manifesto" (written with Paul Wilmott), a paper he published a couple of years ago.
Loans are going bad at a slower rate, and are not expected by Lloyds to deteriorate any time soon - which is another one of those benign trends that makes the current UK recession seem slightly odd.
This banker expects just a handful of savings banks - of which the biggest and most important is Bankia - to be instructed to set aside 25bn to 30bn euros to cover the additional costs of loans going bad.
Also on June 9th, the Congressional Oversight Panel published a report that questioned the stress tests' reliance on banks' own data and their failure to capture the full risks in asset classes, particularly commercial property, that are only now going bad.
This allows them to save on warehouse space (especially where refrigeration is required), prevents their product from going bad and, of course, saves money by limiting the amount of product they have on hand to only what they need at any given moment in time.
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The EBA said it recommends that these banks be forced by their respective national regulators to raise additional capital as a protection against possible further losses from loans going bad, with a deadline of 15 October for the formulation of remedial plans and 15 April 2012 for implementation.
Relations between the White House and FBI Director Louis Freeh are quickly going from bad to worse.
They were going from bad to worse before, you know, two months ago.
With HD DVD, things are just going from bad, to really bad, to worse, to car-crash-you-can't-stop-looking-at.
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The change of coach last summer from Georges Leekens, whose record was going from bad to atrocious, could not have been more complete.
So much for all that market neutral, going-bad bias strategy.
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As the situation is going from bad to worse, it is becoming more and more important for Pakistan and Iran to co-operate in reducing the tensions between different groups and bring them closer.
As these things have a way of going from bad to worse and then to disaster, on July 28 and 29, 2011 Witt respectively faxed and emailed to Merrill Lynch a copy of a falsified score report showing that he had scored an 82%.
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The Concordia going down was bad enough, but all of these are just plain nonsense.
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