The tax cuts would have expired Jan.1, resulting in average Americans paying thousands of additional dollars in taxes next year. A key concession by the White House was letting the Bush tax cuts for the country's top earners be extended, although the president had previously denounced giving cuts to wealthy Americans.
House Democrats initially said the deal gave Republicans too many concessions and vowed to keep it from coming to a vote. Just before midnight Thursday, however, the House passed the $858 billion package with strong bipartisan support, 277 to 148.
"Candidly speaking, there are some elements of this legislation that I don't like. There are some elements that members of my party don't like. There are some elements that Republicans here today don't like. That's the nature of compromise, yielding on something each of us cares about to move forward on what all of us care about. "President Obama on Saturday reaffirmed the U.S. commitment to building a long-range missile defense system in Europe that likely will be opposed by Russia and might prompt Moscow's withdrawal from the arms treaty known as the New START.
In a letter to Senate leaders aimed at allaying concerns voiced by treaty opponents that the new arms treaty will constrain missile defenses, Mr. Obama said that "as long as I am president and as long as the Congress provides the necessary funding, the United States will continue to develop and deploy effective missile defenses to protect the United States, our deployed forces, and our allies and partners."
Significantly, Mr. Obama stated in the letter that the Pentagon is committed to all four phases of its European missile defenses.
Taxpayers spent $1.1 million on court-appointed criminal defense lawyers in Northeast Florida the past two years, and most was approved by Jacksonville judges above fees set by state legislators, an analysis of court statistics shows.
The $875,000 spent over the legislative caps in this region was second most among Florida's 20 judicial circuits and more than courts in Orlando, St. Petersburg, Tampa and West Palm Beach combined.
Lawyers are appointed to represent criminal defendants when both the public defender and the state Office of Regional Conflict Counsel have conflicts that legally prevent them from involvement. The Legislature has set flat fees for court appointments, depending on the severity of the crime, but judges have discretion to approve more.
Judges and attorneys cited a variety of reasons the process might be more expensive in the 4th Judicial Circuit, made up of Duval, Clay and Nassau counties. Those possibilities include Jacksonville's two successful repeat-offender courts and more felonies going to trial.
The nonbinding declaration recognizes the rights of indigenous peoples to self-determination, as well as their institutions, cultures and traditions, and prohibits discrimination against them. When the document was introduced in 2007, 143 countries voted to approve it, 11 abstained, and four - the U.S., Canada, New Zealand and Australia - voted to oppose it.
Since then, the other three nations have switched their votes in support of the declaration, leaving the U.S. as the lone holdout.
Objections to the declaration include its potential to conflict with U.S. law, its failure to define exactly who indigenous peoples are, and its support for tribes seeking claims on lands occupied hundreds of years ago. Article 26 of the declaration states that "indigenous peoples have the right to the lands, territories and resources which they have traditionally owned, occupied or otherwise used or acquired."
Article 28 states that indigenous peoples "have the right to redress," which can include "restitution" or "just, fair and equitable compensation" for lands and resources they have traditionally owned or occupied, but which have been "confiscated, taken, occupied" without their consent.Congress has hit a record low with Americans, with 13 percent saying in a new Gallup Poll that they approve of the way Congress is doing its job.
It's the lowest job approval for Congress since Gallup first started gathering this data in 1974.
Women who are poor are much more likely to be obese but men are not, U.S. government researchers said on Tuesday in a report that contradicts some common perceptions.
They found income does not greatly affect whether a man is obese but that education seems to affect both sexes.
The NCHS researchers used data from a national study of 5,000 people that is done every year.
Of the obese adults, 41 percent live in prosperous homes, bringing in at least $77,000 a year for a family of four, or 350 percent of poverty-level income.
They found 39 percent live in homes making between 130 percent and 350 percent of the poverty level, and 20 percent lived in poorer homes with incomes below 130 percent of the poverty level or $29,000 for a family of four.
They found that 33 percent of men living in well-to-do households with income at 350 percent of the poverty level were obese, compared to 29 percent of men who lived below 130 percent of the poverty level.
But income seems to affect a woman's weight. The researchers found 29 percent of women in well-to-do homes were obese, but 42 percent of women living below poverty level were.
Education plays an important role. Just over 27 percent of men with a college degree were obese compared with 32 percent of those with less than a high school education, while 23 percent of women with a college degree were obese, compared to 42 percent of women with less than a high school education.
A second study found children and teens living in homes with college-educated adults were less likely to be obese, and found stronger associations between obesity and income.
Just under 12 percent of boys and girls living in prosperous homes were obese, compared to 21 percent of boys and 19 percent of girls in the poorest homes.
The portion of people ages 16-24 in the labor market is at the lowest level since the government began keeping track in 1948, falling from 66% in 2000 to 55% this year. There are 17 million in that age group who are employed, the fewest since 1971 when the population was much smaller.
By contrast, people in their 50s, 60s or 70s are staying employed longer than at any time on record. For example, 55% of people ages 60 to 64 were in the labor market during the first 11 months of 2010, up from 47% for the same period in 2000.
Women held 14.4 percent of executive officer positions in 2010, up from 13.5 percent in 2009, and female executive officers held 7.6 percent of the top earning positions, up from 6.3 percent in 2009, the 2010 Catalyst Census said.
The best five companies in terms of women in the executive suit were: Gap 50 percent, H&R Block 50 percent, Limited Brands 50 percent, TIAA-CREF 50 percent and Western Union 45.5 percent.
Women held 15.7 percent of board seats in 2010, a 0.5 percentage point gain over 2009, and more than 10 percent of companies lacked any women on their boards in 2009 and 2010.
The NCRC said the lenders were only providing mortgages to borrowers with credit scores higher than the 580 minimum required by the FHA, a move it said disproportionately affects African-Americans and Latinos.
"By denying access to FHA loans to qualified, credit-worthy individuals, without regard for the actual risk posed to the institution, lenders are discouraging the flow of credit and capital into working-class communities, including minority neighborhoods," David Berenbaum, chief program officer at the nonprofit group, said in a statement.
"These policies amount to discrimination in violation of the federal Fair Housing Act," he said.
The cash-strapped FHA has raised its credit standards to shore up the agency's finances and the new rules require a 580 minimum FICO score for borrowers with downpayments of less than 10 percent. Prior to the increase, which took effect in October, FHA guidelines allowed all borrowers to put down just 3.5 percent, regardless of credit score.
Many lenders are nonetheless requiring scores in the mid-600s, the group said.
Loans backed by the FHA, which does not make loans directly but guarantees them for borrowers who meet certain criteria, are now close to 20 percent of new mortgage originations.
The report notes that studies have shown cigarettes kill 443,000 people every year in the United States -- one in every five people who die -- from cancer, heart disease, lung disease and other causes.
The Centers for Disease Control and Prevention says efforts to reduce smoking have stalled in recent years. Between 1998 and 2008, the number of smokers fell by 3.5 percent, from 24.1 percent to 20.6 percent.
"The economic burden of cigarette use includes more than $193 billion annually in health care costs and loss of productivity," Sebelius said.
On Monday, as Mr. Assange’s lawyers said he would meet with the British police about criminal charges involving sexual encounters in Sweden, Attorney General Eric H. Holder Jr. said the Justice Department had “a very serious, active, ongoing investigation that is criminal in nature” into the WikiLeaks matter.
“I authorized just last week a number of things to be done so that we can hopefully get to the bottom of this and hold people accountable,” he said at a news conference, declining to elaborate.
Mr. Holder repeated assertions by several Obama administration officials about the damage done by the cable disclosures, which began late last month.
“The national security of the United States has been put at risk; the lives of people who work for the American people have been put at risk; the American people themselves have been put at risk by these actions that are, I believe, arrogant, misguided and ultimately not helpful in any way,” Mr. Holder said.
Justice Department prosecutors have been struggling to find a way to indict Mr. Assange since July, when WikiLeaks made public documents on the war in Afghanistan. But while it is clearly illegal for a government official with a security clearance to give a classified document to WikiLeaks, it is far from clear that it is illegal for the organization to make it public.
The Justice Department has considered trying to indict Mr. Assange under the Espionage Act, which has never been successfully used to prosecute a third-party recipient of a leak. Some lawmakers have suggested accusing WikiLeaks of receiving stolen government property, but experts said Monday that would also pose difficulties.
WikiLeaks’ operations have been hampered in recent days as computer server companies, Amazon.com and PayPal.com, have cut off commercial cooperation.
On Monday, a Swiss bank froze an account held by Mr. Assange that had been used to collect donations for WikiLeaks. Marc Andrey, a spokesman for the bank, PostFinance, an arm of the Swiss postal service, said the account was closed because Mr. Assange “gave us false information when he opened the account,” asserting inaccurately that he lived in Switzerland.
The search for jobs after age 50 can be excruciating. A Pew survey poll found that 30% of unemployed people 55 and older were jobless for a year or more. The number of discouraged older workers — those who have simply stopped looking for jobs — rose 14% in June, according to the Bureau of Labor Statistics.
Older workers unable to find jobs often have to dip into their retirement savings early, which further threatens their retirement, when it comes. About 67% of unemployed workers over 55 had to dip into retirement savings to make ends meet, according to a survey by the Boston College Sloan Center on Aging and Work. Some have wiped out their savings completely.
A study by a Duke University economist in 2009 of North Carolina's death penalty costs found that the state could save $11 million a year if it abolished the death penalty.
In 2008, an Urban Institute study of Maryland found that a death penalty trial costs $1.9 million more than a nondeath penalty trial. The study also estimated that the state's taxpayers had paid at least $37.2 million for each of the five executions the state had carried out since 1978.
The Tennessee Comptroller of the Currency estimated in 2004 that death penalty trials cost an average of 48 percent more than trials in which prosecutors seek life imprisonment.
A 2003 legislative audit in Kansas concluded that capital cases are 70 percent more expensive than comparable nondeath penalty cases.
Jacksonville is looking to lower the amount it pays for garbage collection, which would save the city about $7.5 million over the next three years.
Garbage collection fees, however, would not be reduced. The city says the fees don’t yet cover the cost of providing the service.
The change would bring the amount each of the three trash hauling companies receive per house to an average of $114.60. That figure does not include the cost of fuel — budgeted at $3.6 million — or the eventual need to pay for closing the landfill where the trash is taken.
Next year, residents will continue to pay $151.80 a year in solid waste fees.
The new deal would save $2.4 million a year compared with the current rate, as well as another $362,000 based on changes to how fuel expenses are accounted.
Together, the three companies make $26.4 million a year, but under the reduction that would drop to $24 million a year, generating operating income of about $1 million each before interest and taxes.
By a vote of 264 to 157, the House on Thursday passed the bill, which was approved in the Senate by unanimous consent in August. It goes now to President Obama, who intends to sign it.
On the final roll call, 247 Democrats and 17 Republicans voted for the bill. Four Democrats and 153 Republicans voted no.
Some liberal House Democrats and advocates for the poor railed against the bill in September, saying it was wrong to pay for the expansion of child nutrition programs by cutting money for food stamps, now known as the Supplemental Nutrition Assistance Program.
School meal programs have a major impact on the nation’s health, and supporters of the bill said it could reduce the prevalence of obesity among children. The lunch program feeds more than 31 million children a day.
The bill gives the secretary of agriculture authority to establish nutrition standards for foods sold in schools during the school day, including items in vending machines. The standards would require schools to serve more fruits and vegetables, whole grains and low-fat dairy products.
And for the first time in more than three decades, the bill would increase federal reimbursement for school lunches beyond inflation — to help cover the cost of higher-quality meals. It would also allow more than 100,000 children on Medicaid to qualify automatically for free school meals.
One of the most contentious provisions of the bill regulates prices for lunches served to children with family incomes over 185 percent of the poverty level (more than $40,793 a year for a family of four).
“This provision would require some schools to raise their lunch prices,” the Congressional Budget Office said.
School districts that comply with the new standards can receive an additional federal payment of 6 cents for each lunch served. The National School Boards Association, representing local board members, said “the actual increased cost of compliance” was at least twice that amount.
The candidates
Below is the complete list of people who have filed to run for one of 19 Jacksonville City Council seats. *Incumbents
District 1
Lindsey Brock (REP)
Darryl Fleming (DEM)
Clay Yarborough (REP)*
District 2
William H. “Bill” Bishop, III (REP)*
Stephen Heckel (REP)
District 3
Richard Clark (REP)*
Mario Rubio (REP)
District 4
Brett Foster (NPA)
Tillman Kasper (REP)
Don Redman (REP)*
District 5
Lori Boyer (REP)
Jack Daniels (REP)
Steve Hyers (REP)
Robert “Fritz” VanVolkenburgh (REP)
Derek Washington (DEM)
District 6
Matt Schellenberg (REP)
John D. “Jack” Webb (REP)*
District 7
Johnny A. Gaffney (DEM)*
Marc McCullough (DEM)
District 8
E. Denise Lee (DEM)*
District 9
Warren A. Jones (DEM)*
District 10
Reginald L. Brown (DEM)*
District 11
Tom Baine (REP)
James “Big Jim” Breland (REP)
Ray Holt (REP)*
Doug Moore (REP)
District 12
Joe Andrews (REP)
Lagarall Bates (DEM)
Doyle Carter (REP)
Jim Davis (REP)
David A. Taylor (REP)
District 13
Danny Becton (REP)
William “Bill” Gulliford (REP)
Dave Smith (DEM)
Vanessa Williams (REP)
District 14
Kendall G. Bryan, Jr. (REP)
Jill Dame (REP)
Shelton Hull (NPA)
Jim Love (REP)
Ron Petts (REP)
Greg “Hollea” Rachal (REP)
At-Large Group 1
Steve Burnett (REP)
W. Randall Gallup (REP)
At-Large Group 2
John Crescimbeni (DEM)*
Paul Martinez (REP)
Tom Patton (REP)
Vince Serrano (REP)
Eric Tuff (REP)
At-Large Group 3
Stephen C. Joost (REP)*
At-Large Group 4
Greg Anderson (REP)
Juan Diaz (REP)
Jim Robinson (REP)
At-Large Group 5
Fred Engness (REP)
Don Foy (NPA)
Dane Grey (REP)
Sean Hall (REP)
Robin Lumb (REP)
Michelle Tappouni (REP)
That's according to the Florida Education Commissioner Eric Smith.
Failure to comply with state class size limits could have million dollar consequences for Duval County schools.
"We were out by approximately 2,100 FTE, fulltime equivalent, students," said Mike Perrone, Chief Financial Officer for Duval County Schools. "That equates to initially about $6.7 million that they will hold back."
Avoiding the penalty would have also come with a steep price tag; Perrone estimated it would have cost the school district $12 million.
The $6.7 million deduction can be reduced, according to Perrone, as long as the superintendent certifies a letter to the education commissioner by February of 2011, detailing how the district will meet class size regulations next October.
Perrone believes once that is approved, the penalty will be reduced to $1.7 million.
The report cites two statistics. The national graduation rate increased to 75 percent in 2008, from 72 percent in 2001. And the number of high schools that researchers call dropout factories — based on a formula that compares a school’s 12th-grade enrollment with its 9th-grade enrollment three years earlier — declined to about 1,750 in 2008, from about 2,000 such schools in 2002.
But the report notes that progress in some states and school districts had not been matched in others. Tennessee and New York made “breakthrough gains,” sharply raising their graduation rates from 2002 to 2008, the report says. In Arizona, Utah and Nevada, graduation rates dropped significantly.
U.S. factory farms are getting even bigger, concentrating more animals into fewer production operations in a system that can be harmful to animals, the environment and human health, a new study says.
The report issued on Tuesday by Food & Water Watch -- an analysis of Department of Agriculture data for beef and dairy cattle, hogs, broiler meat chickens and egg-laying operations -- found the total number of livestock on the largest factory farms rose by 5 million, or more than 20 percent, between 2002 and 2007.
The report found the average size of factory farms increased by 9 percent in five years, cramming more animals into each operation.The report looked only at very large farming operations -- for example hog farms that had 1,000 or more animals, and poultry farms that handled 500,000 chickens a year or more.
According to the report, the number of cows on factory dairy farms nearly doubled from 2.5 million in 1997 to 4.9 million in 2007. Beef cattle on industrial feedlots rose 17 percent from 2002 to 2007, adding about 1,100 beef cattle to feedlots every day for five years.
According to a National Highway Transportation Safety Administration (NHTSA) report released Tuesday, one-third of all drug tests on drivers killed in motor vehicle accidents came back positive for drugs ranging from hallucinogens to prescription painkillers last year.
The report, the agency's first analysis of drug use in traffic crashes, showed a 5-percentage-point increase in the number of tested drivers found to have drugs in their systems since 2005. The increase coincided with more drivers being tested for drugs, the report shows.
According to a report released on Tuesday by the Employee Benefit Research Institute, a 65-year-old woman retiring this year will need to have between $143,000 and $242,000 to cover their health insurance premiums and out-of-pocket expenses in retirement.
Due to a shorter life expectancy, a 65-year-old man retiring this year would need between $124,000 and $211,000.
By saving these amounts, retirees would have a 90 percent chance of being to cover their health expenses, said EBRI, a Washington DC-based nonprofit research institute.
Some costs have fallen from 2009 thanks to changes to Medicare prescription drug costs under health care legislation passed by the U.S. Congress earlier this year.
Last year, EBRI estimated a 65-year-old woman needed between $164,000 and $450,000 to cover lifetime medical expenses, while her male counterpart needed between $134,000 and $378,000.
A close analysis of the 391,832 documents helps illuminate several important aspects of this war:
¶ The war in Iraq spawned a reliance on private contractors on a scale not well recognized at the time and previously unknown in American wars. The documents describe an outsourcing of combat and other duties once performed by soldiers that grew and spread to Afghanistan to the point that there are more contractors there than soldiers.
¶ The documents suggest that the so-called surge worked not only because the American military committed to more troops and a new strategy but because Iraqis themselves, exhausted by years of bloody war, were ready for it. The conditions, the documents suggest, may not be repeatable in the still intensifying war in Afghanistan.
¶ The deaths of Iraqi civilians — at the hands mainly of other Iraqis, but also of the American military — appear to be greater than the numbers made public by the United States during the Bush administration.
¶ While the abuse of Iraqi prisoners by Americans, particularly at the Abu Ghraib prison, shocked the American public and much of the world, the documents paint an even more lurid picture of abuse by America’s Iraqi allies — a brutality from which the Americans at times averted their eyes.
¶ Iran’s military, more than has been generally understood, intervened aggressively in support of Shiite combatants, offering weapons, training and sanctuary and in a few instances directly engaging American troops.
Statewide 44,556 of 812,483 traditional public classrooms, or 5.5 percent, had too many students.
Also, 44 of 454 charter schools were in violation.
Duval County ranked second in the state with nearly 8,000 classes over capacity, about 16 percent of the total.
But Tricare fees have not increased since 1995.
President Obama today proposed a a two-year freeze in civilian federal worker pay for calendar year 2011-2012.
“I did not reach this decision easily,” Obama said from the Eisenhower Executive Office Building, “This is not just a line-item on a federal ledger. These are people's lives.”
The freeze is expected to save $2 billion for the fiscal year 2011 and will save $28 billion when you combine the savings from this year’s freeze, and the second year freeze 2012 across the next 5 years.
It is expected to save $60 billion in total over the next 10 years.
“The hard truth is that getting this deficit under control is going to require some broad sacrifice,” Obama said, “and that sacrifice must be shared by the employees of the federal government.”
The president noted that this freeze does not apply to military personnel.
The rules are part of a tangle of regulations included in the Manual of Uniform Traffic Control Devices.
The 800-plus page book tells local governments they:
-- Should increase the size of the letters on street signs from the current 4 inches to 6 inches on all roads with speed limits over 25 miles per hour. The target date for this to be completed is January 2012.
-- Install signs with new reflective letters more visible at night by January 2018.
-- And whenever street name signs are changed for any reason, they can no longer be in ALL CAPS.
In Milwaukee this will cost the cash-strapped city nearly $2 million -- double the city's entire annual for traffic control.
In Dinwiddie County, Virginia -- with lots of roads but not many people -- the cost comes to about $10 for every man, woman and child.
The Obama administration's top diplomat and lawyer put Wikileaks and Assange on alert today, promising to prosecute any individual, regardless of nationality, who broke U.S. law by making public hundreds of thousands of secret diplomatic cables.
"[To] the extent that we can find anybody involved of breaking American law who has put at risk the assets and the people that I have described…they will be held responsible. They will be held accountable," Attorney General Eric Holder said at a press conference.
Clinton called the release of hundreds of thousands of secret cables "not just an attack on America's foreign policy interests [but] an attack on the international community: the alliances and partnerships, the conversations and negotiations that safeguard global security and advance economic prosperity."
"Some mistakenly applaud those responsible," Clinton said. "There is nothing laudable about endangering innocent people… nothing brave about sabotaging peaceful relations between nations."
Holder said he advocates closing any gaps in current U.S. legislation that would prevent the federal government from fully prosecuting a foreign national like Assange, who published secrets of vital American national interest.
"To the extent that there are gaps in our laws, we will work to close those gaps. Which is not to say… that anybody at this point because of their citizenship or their residence is not a target for or subject of the investigation that's ongoing."
"Let me be clear," the attorney general said. "It is not saber rattling. This is an active ongoing investigation."
Starting next year, she said, insurers in the individual and small-group markets must spend at least 80 percent of their premium revenues on medical care and activities to improve the quality of care. Insurers in the large-group market must spend at least 85 percent of premium dollars for those purposes.
Insurers that do not meet the standards next year will have to pay rebates to consumers, starting in 2012. Ms. Sebelius estimated that up to nine million people could get rebates worth up to $1.4 billion. About 45 percent of people with individually purchased insurance are in health plans that do not meet the new standards, known as medical loss ratios, federal officials said.
The rules allow special treatment for health plans that provide limited benefits at a more affordable price. At least 1.4 million people are enrolled in such “mini-med” plans, which may cap coverage for one or more benefits at $5,000 or $10,000 a year — or perhaps $25,000.
Employers offering such coverage had said they might end it because they could not meet the 80 percent standard next year.
Premiums are usually lower for mini-med plans than for regular insurance, and administrative costs may be high because these plans often cover employees with high turnover rates. As a result, administrative costs account for a higher share of premium revenues.
In addition, some consumer groups said mini-med plans had higher profit margins than traditional insurance.
One major finding was that the oil companies, despite multibillion-dollar profits over the past several years, have devoted only minuscule amounts of money to planning to control or clean up after a significant spill.
Government, too, neglected to devote adequate personnel, money and technology to preparing for a major offshore accident, one report said. The Minerals Management Service, in particular, was unprepared to deal with the spill, and even after reorganization (and renaming as the Bureau of Offshore Energy Management) still lags far behind in the capabilities needed to address another accident, the report said.
The report noted that the agency had only four or five employees in Houston trying to oversee BP’s efforts to cap the runaway well and collect the gushing oil.
Hate crimes reported last year by police agencies nationwide were down by 15 percent compared with 2008 and hit their lowest point in 15 years, the FBI said Monday.
In a report released by the bureau's Uniform Crime Reporting Program, the FBI said 6,604 criminal incidents involving 7,789 offenses were reported in 2009 as a result of bias toward a particular race, religion, sexual orientation, ethnicity/national origin, or physical or mental disability.
The FBI report noted that of 6,598 single-bias incidents, 48.5 percent were motivated by a racial bias, 19.7 percent by religious bias, 18.5 percent by sexual-orientation bias, 11.8 percent by ethnicity/national origin bias, and bias against a disability accounted for 1.5 percent of single-bias incidents.The rules, effective on Dec. 13, will allow buyers to use gifts and grants from nonprofit groups for their minimum 5 percent down payment, which is the threshold set by Fannie Mae, the government-owned company that sets lending standards and buys mortgages from lenders. (Freddie Mac is considering similar new guidelines, said Brad German, a spokesman.)
Previously, borrowers had to contribute a minimum 5 percent down payment from their own funds, but additional down payment money could be from a gift (though never from a home seller). The exception was for borrowers who put 20 percent down: all that money could come as a gift.
Because many lenders now require a down payment of 10 percent or more, the new rules mean that borrowers will still have to come up with extra funds — either their own or gifts.
The gift rules apply only to single-family principal residences, including town houses, co-ops and condominiums, and covers mortgage amounts in excess of 80 percent of the property’s value. Also, there is a limit on the loan balance — $729,000 in high-cost areas like New York City, and $417,000 in other areas.
Now, the not-so-good news.
Fannie Mae is getting tougher on debt-to-income ratios, or the amount of a borrower’s gross monthly income that goes toward paying off all debts. The maximum ratio for those seeking a conventional mortgage will drop to 45 percent from 55 percent under the new guidelines.
The agency is also taking a harder look at payment histories on revolving debt. In the past, if a borrower missed a monthly payment, Fannie Mae ignored it, or required that lenders add a few percentage points to the total balance when calculating the debt-to-income ratio. Now, buyers who have missed a payment will have 5 percent of the total balance added to their ratios.
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