This kind of “no-doc loan” and its cousin, the “low-doc loan,” became quite prevalent. By 2006, low-doc loans accounted for more than one-third of all subprime mortgage originations.

The brave clamberer among the rocky cliffs of the North Sea hears, with a thrill of pleasure at his own daring, the echoes of the gun which has brought to his feet the wild bird whose downy plumage is to minister to the luxury of a distant clime

I beg your pardon, / I never promised you a rose garden. / Along with the sunshine, / There's gotta be a little rain sometimes

You respond to a home where an 85-year-old male apparently died in his sleep during the night. The body is cool to the touch, mottled, and rigored.