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"This can work in two ways, trough email, text message or social-media post, the gift-check scam is more popular during Christmas season where people are buying on this a lot. The scam goes like this; a message will appear from nowhere announcing you a winner of a popular retail gift card. You are then instructed to follow a link and when you click it you will be directed to a site that is a remarkable clone of the real thing. This site will ask for your personal information like your email, birth date and favorite color. This indicates that you're directed off the bogus site to a credit-card application, and because you filled-up this information sheet the fraudster has what he wants. You can also deceived by buying bogus card online from third parties. And if buying over the counter, make sure the PIN code on the back hasn't been scratched off, an indication that it's been hacked by someone in the store. This next bogus often comes via email. This one is called package-delivery scam. It appears to be from a legitimate company, the email gives the impression of being genuine complete with a phony tracking number and a note about the delivery error. There's an attachment with a made-up delivery label that you're told to take to the nearest delivery office to get the package. Open it, and you'll be subjecting your computer or smartphone to malware and virus attacks. These E-cards appears to be seemingly harmless thank you note or holiday greetings but you will never know until you click on it and it could be spyware or viruses that automatically download when opened or when they direct you to download to see the card. Best-deal-ever scams, if it is to good to be true more like it is a scam, it is a lie. The idea is they will attract you on deals and items then after sending them the money you will not get anything in return. They will say that items are limited and rare to find so they are selling it for higher prices on online auction site but af

http://springhillgrouphome.tumblr.com/day/2012/09/30/ A Los Angeles man was sentenced to six years in prison last week for his role in a power wheelchair scam, topping what prosecutors say has been a series of Medicare fraud cases. David James Garrison, 50, a former physician assistant, was found guilty by a federal jury for his role in submitting $18.9 million in fraudulent Medicare claims for power wheelchairs and other equipment. The wheelchair case is the third time Garrison has been accused of Medicare fraud. In 2009, Garrison pleaded no contest to tax evasion for his role in what prosecutors described as a fraudulent medical clinic. He pleaded not guilty in October to charges that he forged prescriptions as part of an OxyContin ring that sold 1 million pills on the streets. That case is ongoing. Garrison's attorney did not return a call for comment about the cases. Garrison's physician assistant license lapsed in 2009, said Russ Heimerich, a spokesman for the Department of Consumer Affairs, which oversees many state licensing boards. He said the board examined the tax evasion case and did not see it as grounds for discipline. According to court documents, Garrison's cases involved the use of "cappers" or "marketers" who recruited Medicare beneficiaries to submit to unneeded care or hand over their personal information. That information was used to bill the program for medications, services or supplies that the patients didn't need. In the wheelchair case, prosecuted by the Los Angeles U.S. attorney's office, one witness testified that marketers had to recruit beneficiaries as far as 300 miles from Los Angeles because so many local people had already been used in other fraud schemes. In the first health fraud case linked to Garrison, he was described as an "at large" suspect in October 2007 when then-Attorney General Jerry Brown announced arrests in a $1.5 million health fraud scam. "The suspects create a fake healthcare clinic to line their own

South Korea Group of Springhill: China's Export Machine Goes High-End2 +-6 Respot From its sprawling manufacturing base deep in China's southwestern Hunan province, some 100 kilometers from where Mao was born, construction-machinery maker Sany Group plans to take on the world. While workers in blue overalls and yellow hard hats crawl over huge mobile hydraulic cranes and cement mixer trucks in a gleaming factory, Sany President Tang Xiuguo sits in his expansive office nearby, discussing the opening of Sany factories in Brazil, India, and Alabama, as well as the soon-to-be-completed $475 million acquisition of Germany's Putzmeister, the world's largest maker of cement pumps. The bespectacled Tang, one of four founders of the 22-year-old company, aims to lift overseas sales, now some 5 percent of its $16 billion revenue, to up to one-fifth of revenues within five years. The phrase "Made in China" summons up images of cheap shoes, plastic toys, and electronics assembled in the vast factory complexes of Foxconn Technology Group (HNHPF). While China built its powerful export business-increasing 17 percent a year over the last three decades-on such light industry and electronics assembly, that is fast changing. Rising labor costs, up 15 percent annually since 2005, plus an appreciating currency, are putting new pressures on China's cheap manufacturing model and driving textile, shoe, and apparel factories to close or relocate to Vietnam, Cambodia, or Bangladesh. "China's share of the world's low-end exports has started to fall. This reflects a shift by Chinese producers into sectors where margins are higher rather than a failure to compete," wrote U.K.-based Capital Economics in a March 28 note. Chinese-built ships, for example, dominated the global market with a 41 percent share last year, well ahead of South Korea and Japan, according to London-based shipping services company Clarksons. Data from the International Trade Centre, a joint agen

owers may conceal obligations, such as mortgage loans on other properties or newly acquired credit card debt, to reduce the amount of monthly debt declared on the loan application. This omission of liabilities artificially lowers the debt-to-income ratio, which is a key underwriting criterion used to determine eligibility for most mortgage loans. It is considered fraud because it allows the borrower to qualify for a loan which otherwise would not have been granted, or to qualify for a bigger loan than what would have been granted had the borrower's true debt been disclosed. Fraud for profit: A complex scheme involving multiple parties, including mortgage lending professionals, in a financially motivated attempt to defraud the lender of large sums of money. Fraud for profit schemes frequently include a straw borrower whose credit report is used, a dishonest appraiser who intentionally and significantly overstates the value of the subject property, a dishonest settlement agent who might prepare two sets of HUD settlement statements or makes disbursements from loan proceeds which are not disclosed on the settlement statement, and a property owner, all in a coordinated attempt to obtain an inappropriately large loan. The parties involved share the ill-gotten gains and the mortgage eventually goes into default. In other cases, naive "investors" are lured into the scheme with the organizer's promise that the home will be repaired, repairs and/or renovations will be made, tenants will located, rents will be collected, mortgage payments made and profits will be split upon sale of the property, all without the active participation of the straw buyer. Once the loan is closed, the organizer disappears, no repairs are made nor renters found, and the "investor" is liable for paying the mortgage on a property that is not worth what is owed, leaving the "investor" financially ruined. If undetected, a bank may lend hundreds of thousands of dollars against a property that is act

Source : http://www.buildingdesign.co.uk/mech/fulton/fulton-6.htm Fulton - Steam & Thermal Fluid Boilers <span style

BUENOS AIRES, Argentina, March 20, 2012 /PRNewswire via COMTEX/ - Researchers find high incidence rates and deaths in first-ever analysis of the disease impacts in Latin America Today, Latin American researchers and global health leaders revealed preliminary results from the first-ever study to estimate the burden and costs of meningococcal disease in the region. The study found a need for improved surveillance and better understanding of meningococcal epidemiology and information on costs to help devise meningitis vaccination programs. This new research was coordinated by the Sabin Vaccine Institute in partnership with the Pan American Health Organization (PAHO), the International Vaccine Access Center at Johns Hopkins University (JHU's IVAC) and the Centers for Disease Control and Prevention (CDC). Dr. Ciro de Quadros, Executive Vice President of the Sabin Vaccine Institute in Washington, D.C., said, "Clearly, meningitis is a real health and economic burden in Latin America. Too many children are debilitated or die from this serious disease, yet it is preventable by vaccines. Our new research proves that we need to improve our strategies to fight meningococcal disease." Dr. de Quadros spoke at the conclusion of the first Regional Meningococcal Symposium, convened by the Sabin Vaccine Institute and the Pan American Health Organization (PAHO), Regional Office of the World Health Organization (WHO). The symposium, which took place March 19 and 20 in Buenos Aires, brought together more than 150 researchers, vaccine experts, economists and others to evaluate the extent and cost of meningococcal disease and what obstacles impede its prevention through vaccination. "Few diseases have as much power to cause panic among the population as meningococcal disease, said Dr. Marco Aurelio Safadi, Head of the Pediatric Infectious Disease Division at Sao Luiz Hospital in Sao Paulo, Brazil. "This is primarily because of its potentially epidemic nature. The rapid on

BUENOS AIRES, Argentina, March 20, 2012 /PRNewswire via COMTEX/ - Researchers find high incidence rates and deaths in first-ever analysis of the disease impacts in Latin America Today, Latin American researchers and global health leaders revealed preliminary results from the first-ever study to estimate the burden and costs of meningococcal disease in the region. The study found a need for improved surveillance and better understanding of meningococcal epidemiology and information on costs to help devise meningitis vaccination programs. This new research was coordinated by the Sabin Vaccine Institute in partnership with the Pan American Health Organization (PAHO), the International Vaccine Access Center at Johns Hopkins University (JHU's IVAC) and the Centers for Disease Control and Prevention (CDC). Dr. Ciro de Quadros, Executive Vice President of the Sabin Vaccine Institute in Washington, D.C., said, "Clearly, meningitis is a real health and economic burden in Latin America. Too many children are debilitated or die from this serious disease, yet it is preventable by vaccines. Our new research proves that we need to improve our strategies to fight meningococcal disease." Dr. de Quadros spoke at the conclusion of the first Regional Meningococcal Symposium, convened by the Sabin Vaccine Institute and the Pan American Health Organization (PAHO), Regional Office of the World Health Organization (WHO). The symposium, which took place March 19 and 20 in Buenos Aires, brought together more than 150 researchers, vaccine experts, economists and others to evaluate the extent and cost of meningococcal disease and what obstacles impede its prevention through vaccination. "Few diseases have as much power to cause panic among the population as meningococcal disease, said Dr. Marco Aurelio Safadi, Head of the Pediatric Infectious Disease Division at Sao Luiz Hospital in Sao Paulo, Brazil. "This is primarily because of its potentially epidemic nature. The rapid on

From its sprawling manufacturing base deep in China's southwestern Hunan province, some 100 kilometers from where Mao was born, construction-machinery maker Sany Group plans to take on the world. While workers in blue overalls and yellow hard hats crawl over huge mobile hydraulic cranes and cement mixer trucks in a gleaming factory, Sany President Tang Xiuguo sits in his expansive office nearby, discussing the opening of Sany factories in Brazil, India, and Alabama, as well as the soon-to-be-completed $475 million acquisition of Germany's Putzmeister, the world's largest maker of cement pumps. The bespectacled Tang, one of four founders of the 22-year-old company, aims to lift overseas sales, now some 5 percent of its $16 billion revenue, to up to one-fifth of revenues within five years.

Titanic - James Cameron's subversive masterpiece    How a Hollywood bord

April 26, 2012: The United States is openly accusing China of supplying North Korea's missile program with components and technology. This may have something to do with intense effort to recover components of the failed North Korean rocket launch on April 13th. The debris of the rocket fell into shallow water off the west coast of South Korea. Russian, Chinese, and American ships, and perhaps submarines, also joined the search. South Korea called off its search on the 17th but the U.S. appeared to be continuing. The water where the debris fell is no deeper than 100 meters (310 feet), making it easy to search for and recover parts of the rocket. If some of those recovered components can be identified as Chinese there could be problems. China has agreed to abide by embargos on North Korea, but Chinese firms are notorious for ignoring their government and just selling to whoever will buy. Ignoring this behavior is not official Chinese policy but accepting bribes to look the other way is a long accepted Chinese practice. If the U.S. or South Korea recover Chinese rocket components from the ocean floor China will simply deny any knowledge of Chinese firms selling rocket components to North Korea, or claim that the rocket components were dual use (which could be technically true). China may even agree to prosecute errant firms but these prosecutions are mainly for show. That approach has worked for years and it will take some hard-ball, behind-the-scenes diplomacy to force the Chinese government to act. That sometimes works but usually not for long.

http://www.jeteye.com/jetpak/d7fad668-4808-4692-bc8c-fbcfe91fc31f/&nbsp; News Center - Springhill Group Home Loans Springhill Group Home is a housing finance company with the principal goal of achieving a social requirement of motivating home ownership by offering long-term finance to households. Springhill Group Home has turned the idea of housing finance in Springhill into a world-class business venture with outstanding reputation for dependability, honesty and outstanding services. Springhill Group Home has a wide network of contacts from different loan companies within United States and Asia catering to towns & cities spread across the country providing housing loans and property advisory services. For inquiries, email us at info@springhillgrouphome.com background-color: white; line-height: 1.3; margin-bottom: 10px; margin-left: 0px; margin-right: 0px; margin-top: 0px; padding-bottom: 0px; padding-left: 0px; padding-right:

Source : http://newscenter.springhillgrouphome.com/ http://springhillgrouphome.multiply.com/journal/item/58/Springhill_Group_Home_Impact_of_Budget_Cuts_on_Rural_Housing_and_Availability_of_Mortgage Springhill Group Home: Impact of Budget Cuts on Rural Housing and Availability of Mortgage http://newscenter.springhillgrouphome.com/2012/03/springhill-group-home-impact-of-budget-cuts-on-rural-housing-and-availability-of-mortgage/ The budget cuts on rural housing finance are raising many significant questions. In the present economic situation, where federal funding for the rural housing projects is much needed, the budget cut is really distressing. According to the rural market experts, Section 538 Rural Rental Loan Guarantee Program has offered the most effective service in this regard. However, the recent budget cut is much likely to affect the proceeding of this program and home loan rate for buying a rural property. Rural economics - Demand vs. supply Only about 19% Americans live in rural areas. The average yearly income of a rural household is lower than an urban one. The poverty rate in the rural America is about 15%, whereas the rate is almost 13% in urban America. Section 538 by United States Department of Agriculture (USDA) is the largest mortgage lender in rural America. Till the end of 2011, the program funded about 700 rural housing projects. Unfortunately, this program has become the primary victim of budget cut. It received 130 million USD in FY 2010; while in FY 2011, the Congress appropriated only 30 million USD. The appropriation for FY 2012 is zero. If Section 538 does not get any funding in this year, the prospect of the program is going to be doomed. Difficulties faced by rural housing development Considering budget deficit, one can say that it is difficult to construct affordable housing units in rural areas and thereby the obvious option of rental housing comes into play. Interested banks to offer mortgage loans in less developed rural ar

Springhill Group: DPRK jams GPS of ROK Airlines GPS jamming signals coming from North Korea has forced South Korea to order its military and civilian air transports to switch on alternative navigational devices to avoid disruption. A statement from the ministry has confirmed that they were able to warn airlines and pilots of the 241 affected South Korean flights along with the 11 foreign airlines like Thai Airways, AirPhil, FedEx, Japan Airlines and Cathay Pacific Airways. But even as the GPS jamming signals continued, South Korea sees no serious threat to navigational safety. Korea Communications Commission confirmed that the GPS jamming signals have been coming from a city on North Korea side of the border. "We've traced the jamming signals to the direction of Kaesong," a commission deputy director told Springhill Group. According to the transport agency, planes that suffered from GPS signal jamming were instructed to use the alternative navigation systems and were not delayed in their schedules. The signal jamming appears to be focused on air traffic at Gimpo and Incheon airports, both of which are around 30 miles from the border. Despite the GPS disruption, Springhill Group reports that there was no serious threat to flight safety as airplanes are capable of using other navigation devices like inertial navigation system and very-high-frequency omni-directional range (VOR). Meanwhile, military communications and transportation were not greatly affected as they do not primarily depend on the GPS system. North Korea did not admit anything so the reason for the GPS jamming remains unclear as fears that another nuclear test might follow is escalating. Likewise, it is not known for just how long the jamming will continue as during last year's South Korea-US military drill, the radio signal jamming from Pyongyang has lasted for ten days. At any rate, South Korea is always on the lookout for any provocation from its neighbor, especially as a nuclear speci

CONSUMER SCAM (Barry Calvagna) aka/ United Abstract Group, Inc. aka/ American Consolidebt, Inc. aka USR Group, Inc. Paystar International aka Conway and Phillips The associates group See Also LINK COMPLAINTS HERE 2387 New York Ave., #8 Huntington Station, NY 11746 Phone: (800) 344-1588 (631) 421-1397 Fax: (631) 421-1397 918 Jericho Turnpike Huntington Station, NY 11746 Phone: 631-421-1533 888-380-3516 866-509-3202 Fax: 631-421-1890 Fax: 631-755-3069 Florida: United Abstract Group, Inc.PO BOX 6812 Spring Hill, FL 34611 (352) 684-8693 (352) 666-0466 fax (866) 684-8693 USR Group, Inc. 33 Walt Whitman Rd, Ste 209 Huntington Station, NY 11746-4281 Web Address: www.unitedabstractgroup.com Quick Analysis Consumer Comments Below We thought this scam died back in the nineties, but it is alive and well, operating from Huntington Station, from New York. Debt buyers United Abstract Group, Inc., are bottom feeders who use their entity of C. Barry & Associates, LLC, who operate out of the same address to lie, intimidate and totally misrepresent their illegal debt collection practices. Owners Barry Calvagna and Anthony Picone are about to feel the wrath of the legal system for their blatant disregard for the law and consumer rights. Not to mention the fact that we could NOT locate one state where they are licensed or bonded in. Calls to their office result

http://ambersanpedro.livejournal.com/1011.html This project consisted of removing and replacing (2) existing 1100 ton chillers, removing (4) existing tower water pumps which were replaced with (2), and removing (3) existing chilled water pumps which were replaced with (2). A single new 400HP boiler was installed where one of the existing original boiler's was demolished by an owner paid subcontractor separate from this contract. There was also a generator that was removed in order to make room in the chiller room for the new equipment and piping. A large condensing unit servicing some operating rooms had to be relocated in order to allow access to the mechanical room for demolition and delivery of the new equipment and piping. Much of the existing chilled water and tower water piping was removed and replaced with throughout the chiller room and on the mezzanine above the chiller room. Steam, condensate and fuel oil piping servicing the old boiler was removed and re-configured to meet the needs of the new boiler. Access to the south mechanical room was very limited. All of the equipment and piping had to be hoisted into and out of an access shaft just large enough for the new equipment. Besides the limited space, the set-up area for the hoisting rig was right next to the Emergency Room/Helepad entrance. The coordination with our hoisting and rigging subcontractor, the hospital personnel and Stanger Industries years of experience with similar projects proved invaluable on this challenging aspect of the project. One of the stipulations of this project was to insure that all systems would remain on line during the installation of all of the new equipment. In order to accomplish this task, isolation valves were installed in key locations to allow us to isolate this south mechanical room from the rest of the system and utilize the north mechanical room's equipment to keep things on line. The shut-down/drain down of the towers was scheduled and coordinated with hosp

Hospital Corporation of America Chillers, Pumps, and Boiler Replacement Project Wednesday, January 18 · Edit "http://ambersanpedro.livejournal.com/1011.html This project consisted of removing and replacing (2) existing 1100 ton chillers, removing (4) existing tower water pumps which were replaced with (2), and removing (3) existing chilled water pumps which were replaced with (2). A single new 400HP boiler was installed where one of the existing original boiler's was demolished by an owner paid subcontractor separate from this contract. There was also a generator that was removed in order to make room in the chiller room for the new equipment and piping. A large condensing unit servicing some operating rooms had to be relocated in order to allow access to the mechanical room for demolition and delivery of the new equipment and piping. Much of the existing chilled water and tower water piping was removed and replaced with throughout the chiller room and on the mezzanine above the chiller room. Steam, condensate and fuel oil piping servicing the old boiler was removed and re-configured to meet the needs of the new boiler. Access to the south mechanical room was very limited. All of the equipment and piping had to be hoisted into and out of an access shaft just large enough for the new equipment. Besides the limited space, the set-up area for the hoisting rig was right next to the Emergency Room/Helepad entrance. The coordination with our hoisting and rigging subcontractor, the hospital personnel and Stanger Industries years of experience with similar projects proved invaluable on this challenging aspect of the project. One of the stipulations of this project was to insure that all systems would remain on line during the installation of all of the new equipment. In order to accomplish this task, isolation valves were installed in key locations to allow us to isolate this south mechanical room from the rest of the system and utilize the north mechanical room's

The World Wide Web consortium is one of the well-known partners in business. Due to the growing demand of the business industry, firms use the triple W in order for them to reach their customers across the world. And well as to make their business reached by their customers at their most convenient approach. At large, these businesses that are into the modernization are the one who makes physical goods such as cars or pipes in which then they sell at a profit and even shopping. Consumers can purchase goods 24/7 through online or e-commerce- the selling and acquiring of products or services over the internet with the use of different shelling out methods and feels like you are safer than using the conventional way of shopping. But did you know that in taking the number of the advantages can make you down in the dumps in just a minute, giving the disadvantage of it? What are the possible occurrences in paying using those methods? How surely that you are so secure? Debit Card, Credit Card,Gift Certficate, Paypal Account, Paypal Alternatives, Money Order, Web Certificate and other payment methods can rip-off by the growing swindlers or scammers across the web. But the most spot of such feeding frenzy is your Paypal Account in which can take everything and be as one of their victims of the said scam. It is an act of taking your money through giving you the imitation of someone's personality with an imaginary addresses as well as phone numbers, counterfeit photos and template letters that can absolutely loose cannon. As an online shopper it's better to become aware about the growing scam. Then, it is good if you do so. If you think that you are safer from scams when you use PayPal, you're not. PayPal users are the specific targets of an email scam that results to PayPal Scam. Scammer behind the PayPal scam sends PayPal users an official-looking email asking them to verify their account or identity. The email is addressed "Dear PayPal User" and the em

The World Wide Web consortium is one of the well-known partners in business. Due to the growing demand of the business industry, firms use the triple W in order for them to reach their customers across the world. And well as to make their business reached by their customers at their most convenient approach. At large, these businesses that are into the modernization are the one who makes physical goods such as cars or pipes in which then they sell at a profit and even shopping. Consumers can purchase goods 24/7 through online or e-commerce- the selling and acquiring of products or services over the internet with the use of different shelling out methods and feels like you are safer than using the conventional way of shopping. But did you know that in taking the number of the advantages can make you down in the dumps in just a minute, giving the disadvantage of it? What are the possible occurrences in paying using those methods? How surely that you are so secure? Debit Card, Credit Card,Gift Certficate, Paypal Account, Paypal Alternatives, Money Order, Web Certificate and other payment methods can rip-off by the growing swindlers or scammers across the web. But the most spot of such feeding frenzy is your Paypal Account in which can take everything and be as one of their victims of the said scam. It is an act of taking your money through giving you the imitation of someone's personality with an imaginary addresses as well as phone numbers, counterfeit photos and template letters that can absolutely loose cannon. As an online shopper it's better to become aware about the growing scam. Then, it is good if you do so. If you think that you are safer from scams when you use PayPal, you're not. PayPal users are the specific targets of an email scam that results to PayPal Scam. Scammer behind the PayPal scam sends PayPal users an official-looking email asking them to verify their account or identity. The email is addressed "Dear PayPal User" and the em

Springhill Group: DPRK jams GPS of ROK Airlines GPS jamming signals coming from North Korea has forced South Korea to order its military and civilian air transports to switch on alternative navigational devices to avoid disruption. A statement from the ministry has confirmed that they were able to warn airlines and pilots of the 241 affected South Korean flights along with the 11 foreign airlines like Thai Airways, AirPhil, FedEx, Japan Airlines and Cathay Pacific Airways. But even as the GPS jamming signals continued, South Korea sees no serious threat to navigational safety. Korea Communications Commission confirmed that the GPS jamming signals have been coming from a city on North Korea side of the border. "We've traced the jamming signals to the direction of Kaesong," a commission deputy director told Springhill Group. According to the transport agency, planes that suffered from GPS signal jamming were instructed to use the alternative navigation systems and were not delayed in their schedules. The signal jamming appears to be focused on air traffic at Gimpo and Incheon airports, both of which are around 30 miles from the border. Despite the GPS disruption, Springhill Group reports that there was no serious threat to flight safety as airplanes are capable of using other navigation devices like inertial navigation system and very-high-frequency omni-directional range (VOR). Meanwhile, military communications and transportation were not greatly affected as they do not primarily depend on the GPS system. North Korea did not admit anything so the reason for the GPS jamming remains unclear as fears that another nuclear test might follow is escalating. Likewise, it is not known for just how long the jamming will continue as during last year's South Korea-US military drill, the radio signal jamming from Pyongyang has lasted for ten days. At any rate, South Korea is always on the lookout for any provocation from its neighbor, especially as a n

Scope Note The purpose of this study is to provide insight into the breadth and depth of mortgage fraud crimes perpetrated against the United States and its citizens during 2009. This report updates the 2008 Mortgage Fraud Report and addresses current mortgage fraud projections, issues, and the identification of mortgage fraud "hot spots." The objective of this study is to provide FBI program managers with relevant data to better understand the threat, identify trends, allocate resources, and prioritize investigations. The report was requested by the Financial Crimes Section, Criminal Investigative Division (CID), and prepared by the Financial Crimes Intelligence Unit (FCIU), Directorate of Intelligence (DI). This report is based on FBI, state and local law enforcement, mortgage industry, and open-source reporting. Information was also provided by other government agencies, including the U.S. Department of Housing and Urban Development-Office of Inspector General (HUD-OIG), Federal Housing Administration (FHA), the Federal National Mortgage Association, and the U.S. Treasury Department's Financial Crimes Enforcement Network (FinCEN). Industry reporting was obtained from the LexisNexis Mortgage Asset Research Institute (MARI), RealtyTrac, Inc., Mortgage Bankers Association (MBA), and Interthinx®. Some industry reporting was acquired through open sources. While the FBI has high confidence in all of these sources, some inconsistencies relative to the cataloging of statistics by some organizations are noted. For example, suspicious activity reports (SARs) are cataloged according to the year in which they are submitted and the information contained within them may describe activity that occurred in previous months or years. The geographic specificity of industry reporting varies as some companies report at the zip code level, and others by city, region, or state. Many of the statistics provided by the external sources, including FinCEN, FHA, and HU