Problem: A 2000 United States Department of the Treasury study of lending trends for 305 cities from 1993 to 1998 showed that $467 billion of mortgage lending was made by Community Reinvestment Act (CRA)-covered lenders into low and mid level income (LMI) borrowers and neighborhoods, representing 10% of all U.S. mortgage lending during the period. The majority of these were prime loans. Sub-prime loans made by CRA-covered institutions constituted a 3% market share of LMI loans in 1998, but in the run-up to the crisis, fully 25% of all sub-prime lending occurred at CRA-covered institutions and another 25% of sub-prime loans had some connection with CRA. In addition, an analysis by the Federal Reserve Bank of Dallas in 2009, however, concluded that the CRA was not responsible for the mortgage loan crisis, pointing out that CRA rules have been in place since 1995 whereas the poor lending emerged only a decade later. Furthermore, most sub-prime loans were not made to the LMI borrowers targeted by the CRA, especially in the years 2005–2006 leading up to the crisis. Nor did it find any evidence that lending under the CRA rules increased delinquency rates or that the CRA indirectly influenced independent mortgage lenders to ramp up sub-prime lending.
What was the value of mortgage lending made by Community Reinvestment Act covered lenders to low and mid level income borrowers and neighborhoods from 1993-1998?
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Answer: $467 billion


Problem: On 18 August, the battle began when at 08:00 Moltke ordered the First and Second Armies to advance against the French positions. By 12:00, General Manstein opened up the battle before the village of Amanvillers with artillery from the 25th Infantry Division. But the French had spent the night and early morning digging trenches and rifle pits while placing their artillery and their mitrailleuses in concealed positions. Finally aware of the Prussian advance, the French opened up a massive return fire against the mass of advancing Germans. The battle at first appeared to favor the French with their superior Chassepot rifle. However, the Prussian artillery was superior with the all-steel Krupp breech-loading gun. By 14:30, General Steinmetz, the commander of the First Army, unilaterally launched his VIII Corps across the Mance Ravine in which the Prussian infantry were soon pinned down by murderous rifle and mitrailleuse fire from the French positions. At 15:00, the massed guns of the VII and VIII Corps opened fire to support the attack. But by 16:00, with the attack in danger of stalling, Steinmetz ordered the VII Corps forward, followed by the 1st Cavalry Division.
Which general opened the battle with artillery from the 25th Infantry Division?
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Answer: General Manstein


Problem: In 1982 and 1987, Harrison and Harrison enlarged the organ under the direction of the then abbey organist Simon Preston to include an additional Lower Choir Organ and a Bombarde Organ: the current instrument now has five manuals and 109 speaking stops. In 2006, the console of the organ was refurbished by Harrison and Harrison, and space was prepared for two additional 16 ft stops on the Lower Choir Organ and the Bombarde Organ. One part of the instrument, the Celestial Organ, is currently not connected or playable.
What part of the organ is not connected or playable?
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Answer:
the Celestial Organ