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.
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.
Future developments are unlikely to come from further minor modifications to the present-day base formulations.
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.
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.
These lineage-specific apiAP2 genes in the present-day species could have arisen from de novo gene birth or modification of the full-length sequences of existing genes beyond recognition.
Darwin's trees played an integral role in his theory, linking process (genealogical descent-with-modification, plus extinction) with outcome (the diversity of past and present-day species, expressed as hierarchical systems of classification).
Genetic modification that could lead to reliable moral enhancement is extremely far removed from our present-day knowledge and capacities, and it is doubtful whether it will ever be successfully achieved.
Moreover, data on current modifications to distribution ranges due to global changes are also required to link differential Quaternary histories to present-day evolution.
Evolution is occurring among present-day insects.
Present-day Skyros is a resort.
