![]() "For now, banks that have either outsized mortgage origination exposure or warehouse exposure are probably going to be nice beneficiaries" of the elevated mortgage market, said Michael Rose, an analyst for Raymond James, in an interview.įew banks have as much relative exposure to the residential mortgage market as First Republic Bank, which on July 14 reported second-quarter net income of $1.40 per share, compared to a consensus EPS estimate of $1.17. However, both banks reported robust increases in gain-on-sale margins with Wells Fargo's margin jumping 96 basis points quarter-over-quarter and JPMorgan's margin increasing 193 basis points. He wrote that Wells Fargo posted 23% linked-quarter volume growth while JPMorgan's volume declined sequentially, both well behind the industrywide estimate for a 54% linked-quarter increase in mortgage volume. and Wells Fargo came in higher than expected, Bose George, an analyst for Keefe Bruyette & Woods wrote in a July 14 note. Mortgage banking results from JPMorgan Chase & Co. Cecala said that even with the higher credit scores, the nonbank's standards tend to be looser than banks'.Īs banks report second-quarter earnings, results from companies with significant mortgage operations suggest banks are likely continuing to focus more on profitability than volume in 2020. While Quicken's approval rate was similarly high at 71.2%, the lender reported a weighted average credit score of 747 in its originations. For example, United Shore approved 82.6% of its applications, compared to an approval rate of 28.2% at Wells Fargo. United Shore - and virtually all other nonbanks on the list of top mortgage originators in 2019 - approved a much higher portion of applications than banks did. Michigan-based United Shore Financial Services LLC posted the largest year-over-year growth among top 20 originators with an increase of 159.2% to $107.95 billion in funded loans. 1 lender across all loan types earlier this year. However, Cecala said Quicken Loans overtook Wells Fargo as the No. Inside Mortgage Finance attributes the origination to the sponsor lender while the federal HMDA database attributes the loan to the correspondent lender. Correspondent lenders originate the loan but then immediately sell to a sponsor lender such as Wells Fargo. 2 lender in 2019, behind Wells Fargo, likely due to a differing approach to correspondent lending. Wells is more focused on profitability and banking customers rather than just building mortgage originations for the sake of mortgage originations," Guy Cecala, publisher of Inside Mortgage Finance, said in an interview.Ĭecala said his publication ranked Quicken as the No. " more interested in building market share and building business than the big banks, particularly Wells. That increase was simply outstripped by Quicken's growth of 73.9%. Even though Wells Fargo's market share dropped by 27 basis points, the bank's funded loan amount jumped 26.2% from the previous year. Historically low rates have contributed to a refinance boom that has generated significant revenue for lenders. It has been heady times for mortgage originators over the last year and appears likely to remain so through year-end. Nonbank lenders tend to have higher approval rates due to modestly looser underwriting and a more agile operating model that enables rapid hiring to meet demand. Six of the top 10 spots went to nonbank originators. The change at the top of rankings, as measured by data from the Home Mortgage Disclosure Act, follows a broader trend of nonbanks gaining market share in the mortgage market. ![]() 1 lender by mortgage originations, just in time for its IPO sales pitch. ![]()
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![]() Why I cannot delete WireframeSketcher 4.7.6? Being prompted that “The item WireframeSketcher 4.7.6 can’t be moved to the Trash because it’s open”? This message occurs because WireframeSketcher 4.7.6 (or its background process) is still running. This act is irrevocable so you must do it with caution. Note that the moment you empty the Trash, the app will be permanently removed from your Mac. During the process, you may be prompted to enter an administrator’s password to make the deletion take effect. Or choose right click Trash icon, choose Empty Trash, and Empty Trash again in the pop-up dialog.īesides, you also can trash the app from the Launchpad interface.
![]() I remove them from the oven when they just begin to brown at the edges. The secret to soft and chewy cookies is to slightly underbake them.If you want a milder flavor, you can use less coconut, anywhere between 1 to 2 cups, without changing anything else in the recipe. I love lots of coconut flavor so I use 2 cups of shredded coconut.This can result in tougher cookies, and we want them soft and chewy. You can also reduce the flour by 1/4 cup. ![]() Tip: I like these cookies with a slight crunch on the outside, but if you want them even softer, you can adjust the recipe slightly: instead of 2 eggs use 1 egg plus 1 egg yolk. Bake for 9-11 minutes until the edges are slightly browned. Place on a parchment-lined sheet pan and press down on each cookie dough ball slightly. Once you’ve rolled into your dough, roll each ball in the remaining toasted coconut. I like to use about 1.5 tablespoons of dough per ball using this ice cream scoop. Make sure they are cooled before doing this so they don’t melt the butter in your cookie dough. Gently mix in the dry ingredients, being careful not to overmix. Make sure to combine each egg with the butter-sugar mixture before adding the next one, using a rubber spatula to scrape down the sides of the bowl to incorporate all the ingredients. In an electric mixing bowl fitted with the paddle attachment or using a handheld mixer, cream together the butter and sugars until light and fluffy, about 3-4 minutes. Whisk together flour, baking soda, and salt in a bowl and set aside. Immediately transfer coconut to a bowl to cool. Be patient and don’t turn up the heat too much because coconut is easy to burn. ![]() Cook over low-medium heat, stirring frequently, until golden brown. Stove top method: Add coconut to a skillet in an even layer. Remove form the oven and carefully transfer to a bowl to cool. Bake at 350☏/180☌ for 5-10 minutes, checking and stirring frequently until mostly golden brown. Oven method: To toast coconut in the oven, spread shredded coconut in a thin layer on a baking sheet. You can toast the coconut in the oven or on the stove top. This really brings out the best flavor so I highly recommend not skipping this step. Keep reading to learn how to make these delectable, irresistible cookies! Coconut is one of my favorite ingredients to bake with and I am obsessed with these cookies, as well as my coconut cream pie and coconut cake. With a slight crunch on the outside and chewy interior, they’re a perfect midday or after dinner treat (or let’s be honest, really anytime you have a cookie craving). These coconut cookies are absolutely amazing. ![]() Made with toasted coconut flakes, they’re bursting with coconut flavor and have an unbelievable texture! Because to our family, "Made Better" isn't just a claim, it's our promise.These amazing, chewy coconut cookies are crunchy on the outside and soft on the inside. We are committed to giving you the products you want and to using the very best ingredients to make them. For over 120 years our family-owned business has held itself to a higher standard. Visit us at our website: ©2013, ®Registered trademark ™ trademark ofĭare Breaktime® Coconut Cookies. We are committed to giving you the products you want and to using the very best ingredients to make them.īecause to our family, "Made Better" isn't just a claim, it's our promise. Enriched Flour (Wheat Flour, Niacin, Reduced Iron, Thiamine Mononitrate, Riboflavin, Folic Acid), Sugar, Vegetable Oil Shortening (Palm and Canola Oil With TBHQ And Citric Acid to protect flavor), Coconut, High Fructose Corn Syrup, Contains 2% or less of: Whey (A Milk Ingredient), Leavening (Ammonium Bicarbonate, Baking Soda), Salt, Soy Lecithin, Artificial Flavor, Citric Acid.įor over 120 years our family-owned business has held itself to a higher standard. ![]() ![]() When they see me selling and pitching outside the company, they hear it. I realized that I’ve been talking more about the company externally, on business shows and in the press, but they were listening. But in my review this year, people thought that I had done better on that. I think about some managers I’ve had and how I liked the ones who were that way. It’s something I think about when I hire. I do presentations in a much more analytical way: this is our plan, this is what’s really great about the plan, here are a couple of risks, but over all, this is a winning plan and I’m excited about it. They didn’t necessarily use that word, but I think they wanted more peppy, more rah-rah, more “This is gonna be great.” But my communication style is much more measured. One of the things I’ve heard is that employees wished I did more cheerleading. We hire a consultant to do 360 reviews for me. What kind of feedback have you received from your staff?Ī. It’s not about so much agreeing or disagreeing with the rating. SugarSync is still small enough that I read every performance review. People just avoid them unless someone holds them accountable. Because it’s hard, and people often don’t do things that are hard. But that dynamic happens a lot in the workplace.Ī. If the teacher gives you a B, without any specifics, that’s not an acceptable situation. If you think about it, in an academic setting people expect to get feedback. It’s one of the things I really like about managing people - the teaching element, and giving feedback. I taught for a while at Santa Clara University, and I actually considered being a professor when I left business school. Do they need more structure? Do they need more help with planning projects? Is it just that they have trouble getting started? I’ve seen that a lot. With more experience, you can more quickly notice when someone is struggling and what they need help with. ![]() As you manage and work with more people, you tend to see patterns and get used to different work styles. Tell me how your leadership style has evolved.Ī. 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Crafting a Snagvine spell will be sure to hold it still. What’s a witch without her trusty grimoire? In Wytchwood, crafting potions and spells play a key role in unraveling the mysteries of the world. If you’re quick enough, maybe you’ll even snare that weird chicken legged fish that’s running around down by the docks! From the sunny forest, to the gloomy swamp and snow blown mountaintop, each area contains its own unique critters, plants and monsters. As the wicked witch of the swamp, you get to put on your hat- or in this case- your trusty cauldron, and go out into the world to discover what the lush environments hold for you. Maybe with enough good deeds, that pesky billy goat hanging around your house will finally leave you alone!Įven with all these evils running about unchecked, Wytchwood is fundamentally a chill game where exploration and collecting spell ingredients play a huge part of the experience. Only with your magic and sharp wit will you be able to right these wrongs. A weeping maiden awaits the return of her lost love, a brutish bear loves nothing more than to knock some heads together, and a feline trickster in a smart pair of boots is plaguing the local market with her deceptions. You’ll travel the lands and uncover a rich narrative filled with a colorful cast of characters inspired by classic fables. Made a deal with suspicious black goats lately? Finding it hard to get out of certain magical contracts? Nothing to worry about! In Wytchwood you take the role of a rickety old witch caught up in a dark pact she can’t remember making. Hi there, we’re Alientrap Games and today we’re here to share our upcoming game Wytchwood with you! If you’re a fan of fairy tales (the Grimm kind), collecting newt eyes to craft hexes and cursing the living daylights out of shady villains, then read on! ![]() ![]() ![]() Granted that it is by no means a revolutionary game since most game features it has are pretty common among the Asian MMO-sphere, Revelation Online is designed well enough to attract the attention of MMO players worldwide and also to keep them coming back for more. Experience the exhilaration as you dodge and avoid the abilities cast by the boss monster you’re fighting or swoop and dive while flying with your newly found wings. Enjoy running dungeons, participating in massive 20-vs-20 battlefields, or crafting goods to sell at the auction or at your own player stall. Aion tracker is an application to track Aion Cars Ltd Drivers. As of May 20, 2009, Aion had 3.5 million subscribers in Asia. Download Aion Tracker App 2 for iPhone free online at AppPure. ![]() The game combines PvP and PvE (a concept the developers call PvPvE) in a fantasy game environment. Inspired from the books of the renowned Chinese writer Jiang Nan, the game features a rich and engrossing story accompanied with a fun and varied gameplay. Aion: The Tower of Eternity ( Korean: : ) is a massively multiplayer online role-playing game (MMORPG) developed and published by the South Korean company NCSoft. It’s a smart contract that makes it all possible. ![]() So, don't miss out - experience this brilliant MMORPG today! Anime Demons PvP Fantasy Open World Flying Revelation Online Revelation Online is martial arts-themed MMORPG that's set in a breathtaking world. Aion Scheduling System dApp: Aion Scheduling System enables scheduled transactions at a specific time in the future. Previously being a subscription-based game, its transition into the free-to-play model has opened up Aion to a much larger playerbase, allowing players from all around the world to enjoy its riveting storyline. In addition to the usual questing, raiding and PvP, the game even provides crafting professions, a very competitive trading market, the ability to set up personal vendors, and also cute, non-combat pets. Aion has an angelic appearance with a fair complexion, long grayish blue hair that is ombre white at the ends and yellowish colored eyes. She is a cyborg created by Sorata Suzuhara who goes under the name The World and her original name was Aine (). is an emerging international pharmaceutical company, which focuses on the healing powers of medical cannabis and medicinal mushroom compounds. Why the two worlds though? Well, basically, the game's lore differs depending on the faction you chose. Aion () is the heroine in the epilogue story only. Never wonder again where or when you submitted your work. Aion vs Revelation Online Aion Aion is an addictive and incredibly fun MMORPG set in the fantastical world of Asmodae or Elysea. Story Tracker makes keeping track of your submitted stories, novels, poems, scripts, and articles easy. ![]() ![]() ![]() Ngayon, maaari mong laruin ang Sid Meier's Civilization: Beyond Earth - Rising Tide sa PC gamit ang GameLoop nang maayos. Fear is the mind-killer.Sid Meier's Civilization: Beyond Earth - Rising Tide sa PCĪng Sid Meier's Civilization: Beyond Earth - Rising Tide, na nagmumula sa developer na Firaxis Games,Aspyr (Mac),Aspyr (Linux), ay tumatakbo sa Android systerm sa nakaraan. And when the core experience is already so compelling, a change of scenery might be all you need to fall back in love. Life on a distant planet may be similar to how we ran things back here at home, but there are enough surprises, dangers, and twists in store to make Civilization: Beyond Earth worth exploring. The game does its best job of bringing new players up to speed, both with help pop-ups and a robust encyclopedia of rules and terminology, but it'll take you at least a game or two to figure out how all of its copious moving pieces fit together. There are so many layers of systems, resources, and units to build-on top of the already convoluted mound of mechanics from Civilization 5-that, unless you've played other Civilization games before, you'll likely find yourself completely lost. Correction: you will find yourself in over your head. If you're new, you might find yourself in way over your head. If you're not careful, they can do everything from stealing your technology, to siccing one of those giant Siege Worms on your city.īecause Beyond Earth is so similar to Civilization 5, veterans will find it easy to hop in with only the briefest of advice. When you're not getting harassed with high-grade weaponry, you're also being engaged in a cold war, as your enemies infiltrate your cities from the inside. While many other aspects of Beyond Earth might be a bit too similar to older games in the series, the native fauna really do change how you explore, build, and grow as a society. Or, you can befriend them, and use them to your advantage. If you want to fight them off, you can use them to give your soldiers experience. ![]() But really, they're a tool, just like everything else in the game. At first, I thought they were a nuisance, always getting in the way. And unlike the barbarians from vanilla Civilization, these buggers keep coming back, regardless of how many you eviscerate. Sometimes they'll leave you alone, letting you go about your business, but if they feel threatened, they'll start attacking without warning. They may seem like horrific hell beasts, but you soon discover that they were kinda here first, and you're stepping all over their homes with your evil humanity. The affinity system can drastically change how you interact with this forbidden planet, and seeing your civilization slowly evolve from futuristic buildings to an alien/human hybrid society is really cool.Īnd the aliens. You can be a peace-loving race of cybernetic beings, or unleash a horde of sandworms on your unsuspecting foes. While the affinities certainly change your approach to the game (Purity is all about destroying aliens, while Harmony allows you to harness their power for your own), they don't limit your strategies in anyway. Your affinity determines how you interact with the alien planet and its resources, as well as how you approach the endgame, adding yet another layer of choice onto a game that wasn't exactly lacking in it. On top of the new, non-linear technology web and this quest system, you've also got to worry about your affinity level. Be careful, though powerful ground units and crafty spies can shoot them out of the sky if you're not paying attention. They're not necessary, but building them can certainly give you an edge over your competition. These satellites provide an area of coverage, providing bonuses to all of the tiles it reaches. In addition to growing your city with buildings and military units, Beyond Earth lets you construct satellites and shoot them into the stratosphere. ![]() ![]() ![]()
![]() ![]() The nine members of TWICE came together through the musical survival show Sixteen, where 16 idol hopefuls battled it out for a spot in the group. ![]() They’re poised, their pen hovering over a new page, ready to answer “Who are TWICE?” – a question they’re more intimate with than ever. Accordingly, news of their contract renewal coincided with multiple fresh starts: they dropped their Japanese single ‘Celebrate’ – peppered with messages of gratitude to their fans – announced a new EP, and finally branched out into solo releases starting with Nayeon, who released solo debut EP ‘Im Nayeon’, led by the viral hit ‘POP!’.Īnd today, they release ‘Between 1&2’ – perhaps TWICE’s most important EP, as it’s the first release that kicks off the proverbial second chapter of their story. Jihyo’s words leave little room for interpretation: TWICE have a larger vision for themselves, one that includes all nine of them. It decides our individual futures” – Jihyo So, of course, it was difficult, and making the decision was even harder, but in the end we decided to stay together.” “We talked about ,” Jihyo continues as the other members nod, “and, of course, the conversation was not the easiest. ![]() We meet a few weeks ahead of the release of ‘Between 1&2,’ the group’s schedule understandably packed – they’re rotating through a flurry of activities timed down to the minute. “It was actually decided only a few days before it was reported in the media,” Jihyo reveals to NME over Zoom. Cue a wave of relief through the group’s fans, collectively called ONCE, to see their favourites overcome the so-called ‘seven-year curse’ in K-pop – the common term for line-up reshuffles that happen as members leave labels at the end of the standard contract term. Earlier this year, all nine members – Nayeon, Jihyo, Tzuyu, Momo, Dahyun, Mina, Sana, Chaeyoung and Jeongyeon – unanimously renewed their contracts with their longtime agency, JYP Entertainment. It’s a serious question about their identity precipitated by their approaching seventh anniversary as a group. They are often hailed as the “Nation’s Girl Group” – no small feat, given who their contemporaries are.īut in 2022, “who are TWICE?” is neither a belated ask nor a rhetorical flex. With YouTube views in the hundreds of millions, multiple releases that have propelled up the charts – both in South Korea and abroad – they are one of the highest selling girl groups of all time. The group is slated to release a Japanese language studio album, titled Celebrate, on July 27 to coincide with the fifth anniversary of their Japan debut.In the trailer of their new album ‘Between 1&2’, TWICE ask the question: “Who are we?” At first, it seems like an obvious question coming seven years too late. TWICE recently wrapped their latest world tour with two sold-out shows at Los Angeles’ Banc of California Stadium, making them the first all-female K-pop group to perform at a U.S. While “The Feels” is TWICE’s first English single, the “TT” hitmakers previously recorded several songs in English - including renditions of singles “More & More” and “I Can’t Stop Me,” which also received both Korean and Japanese versions. ![]() Decked out in coordinating red and black tartan outfits, the girls also showcased their signature precision choreography while swapping vocal duties. The nine-member group - which is comprised of Korean, Japanese and Taiwanese members - made full use of the Late Show stage, even performing at host Stephen Colbert’s desk for a portion of the disco-tinged song. The song comes off the group’s latest album, Formula of Love: O+T≤3, which was released last November. K-pop powerhouses TWICE brought their infectious English-language track “The Feels” to The Late Show Wednesday, marking the group’s first-ever American late-night show performance. ![]() |
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