It offers some help to those who are only a month behind, although its formal modification process kicks in only when borrowers are four months behind.

NPR: Mortgage Modifications Won't Benefit Everyone

These reforms will not only fix the problems we found in foreclosure processing, but will also correct failures in governance and the loan modification process and address financial harm to borrowers.

FORBES: Banks Settle, Will Pay Back Homeowners For Faulty Foreclosures

Though the details are somewhat complicated, the plan essentially streamlines the loan modification and refinancing process for borrowers at risk.

FORBES: Wall Street Likes Bush Subprime Plan

The process required no genetic modification of the crops.

BBC: Cambridge-based scientists develop 'superwheat'

Van Tunen said the KeyGene's methods were a quicker and cheaper way of improving crops than genetic modification -- and differed from that process in one crucial aspect.

CNN: Dandelion tires? It's not a Beatles lyric, it's biotech