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please join me in giving a warm welcome to caroline kennedy. [ applause ] thank you so much. hi, everybody. how are you? good. thanks for coming out. i m so really honored and moved to be here in nashua where my father began his campaign for the presidency. i ve always wanted to come here. [ applause ] and i can t thank does that sound funny? yes? no. okay. you sound great. thank you. thank you. anyway, i can t think of a more important reason to come here than to join with all of you to make sure that barack obama is re-elected as the next president of the united states. [ applause ] every time i go out for president obama, i always meet people, somebody who says, you know, i cast my first vote in 1960, and i don t know if there s anybody here that falls into that category. but it s wonderful to see you here still fighting and working. and i think that that continuity of spirit is really something that s so precious to me and i think to all of us. and i saw president
we re doing the risk assessment pieces of what lenders have traditionally done. we provide, as i indicated in our testimony, services for lenders and for appraisers. one of the things that i ve been told, in all the years i was with the appraisal institute, that one of the largest costs for appraisers was marketing. that, in addition to the risk, you know insurance and warranties and those types of things are real costs for appraisers, say, doing retail assignments. much, if not all of that, has been offloaded to the amcs and so there is a sharing of that compensation. that risk and those duties are no longer done by that traditional appraiser. and the consequent fee that they get is one that they agree to and had been negotiated with to say, will you do this assignment on 123 maple, 104, et cetera, et cetera. they say, what is your fee? they say, $100, or whatever it might be. so you strike an agreement. so there may be anomalies on that. just like we talked about anomalies
old want to do was play soccer. he played in a competitive boys team run by the chicago fire. of his teammates respect him. the best defense of player/coach rubio has ever seen. he came to this country in october to try out for this team that he hoped would give him a better life that he had in africa. coming from nigeria he s expecting a better life for him. it makes me sad to make chevron said. he was a sophomore at haskell on the north side but lived in chatham. that is where he was gunned down position that will walk into a convenience store with five other boys from nigeria. tina hobson was one of his guardians. she says the boys were confronted often in the neighborhood because they played soccer and not a football or basketball and because they were from the other boys said are you those african soccer boys? they didn t say anything. they just kept walking. all the sudden someone started shooting at them. to in a closet prejudiced and cannot believe
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