Indeed, Countrywide forced over 10,000 Hispanic and African-American borrowers into subprime loans -- even though non-Hispanic white borrowers with similar credit qualifications were able to obtain prime loans.
Better education and a college degree is crucial but the increased costs of higher education and increased tightening of credit qualifications for federal parent's loans decreases the ability of many students to obtain a college education.
It's also true the Academy has streamlined the membership process for younger actors, waiving their traditional three-screen-credits qualification to allow Dakota Fanning to join, for example, in 2006.
Scotland's Best allows participants to work towards a Scottish Credit and Qualifications Framework (SCQF) level 4 qualification to aid their entry into work.
Also by 2013, all qualified 16-year-olds seeking an apprenticeship will be entitled to one, and Foundation Learning, which aims to improve the skills of those aged 14and over through programmes of credit-based qualifications at entry level and level 1 - will be fully in place.
So far there are few formal credits or qualifications available through the new wave of Moocs.
For instance, a plumber may enroll in a certain subject to acquire the skills involving a new technique without the intention of gaining credit toward a qualification.
"There's usually no issue with credit or income qualifications," Mr. Varchola said, "so it's just a lot smoother".
The six-year-old New York company is rolling out a new global search feature this week that takes the dozens of data sources it has been quietly accumulating about anyone shipping in bulk — port shipping volumes, credit ratings, environmental qualifications, etc. — and lets you easily answer key questions for your business.
Every doctor needs to obtain certain credits for annual qualification, however, most training is focused on clinical medicine, while public health training and disaster medicine training are overlooked.
