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The program allows servicers to run what is known as a net present value test, which essentially determines whether a present-day loan modification would be a better value for the mortgage investors than foreclosure.
But that's a present day problem.
Swiss Civil Code, French Code Civil Suisse, German Schweizerisches Zivilgesetzbuch, body of private law codified by the jurist Eugen Huber at the end of the 19th century; it was adopted in 1907 and went into effect in 1912, and it remains in force, with modifications, in present-day Switzerland.
Present day surface modification technology and commercialised dental implant surfaces are summarised.
Future developments are unlikely to come from further minor modifications to the present-day base formulations.
Communication plays a pivotal role in our present-day life.
Japanese Civil Code, Japanese Mimpō, body of private law adopted in 1896 that, with post-World War II modifications, remains in effect in present-day Japan.
Present-day Skyros is a resort.
On the one hand, 'plumists' have tried to explain the present-day topography as a consequence of effects of the Iceland mantle plume during the Palaeocene-Eocene British Tertiary Igneous Province (BTIP) magmatism, with little or no subsequent modification.
The present-day concept that osteoarthritis may be amenable to biological modification rather than a hopeless expression of old age or injury has historical roots in the period of 1935 through the early 1970s.
We combine present-day data from Germany as an example.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com