Alderson said the Mets may have insured earlier years of the contract and that it is not unusual to choose not to insure the final season.

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Also, real estate prices in recent years have zoomed past the limits for FHA-insured loans.

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This is no short-term uptick: insured losses due to extreme weather have been trending upward for 30 years, as the climate has changed and populations in coastal areas and other vulnerable places have grown.

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The plan allows those borrowers who took out subprime mortgages between Jan. 1, 2005, and July 31, 2007, to pursue one of the following options: refinance to a new mortgage, switch to loan insured by the FHA, or freeze their "teaser" rate for five years.

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Thirty years ago, the U.S. Supreme Court banned discrimination of insured persons on the basis of their sex in connection with pension funds under the Civil Rights Act of 1964.

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Ten years ago there were approximately 12, 000 FDIC (Federal Deposit Insurance Corp.) insured Banks and Thrifts (financial institutions with a predominant consumer emphasis) in the U.S. That compares with 8, 000 banks today.

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