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If the Borrower 's total monthly debts , including amounts owed under the loan , exceed 50 % of the Borrower 's monthly gross income , the Lender shall justify the decision to make the loan in a written statement , provided to the Borrower prior to the loan closing , that sets forth specific compensating factors , such as a distinguished long-term credit history of the Borrower , a documented history of the Borrower 's ability to make payments under comparable or greater debt-to-income ratios , conservative use of credit standards , significant liquid assets of the Borrower , or other factors that reasonably justify the approval of the loan . Computer software is used in a huge variety of situations , ranging from supporting commercial activities such as banking and e-commerce , through use in government and voluntary organisations , to the control of manufacturing processes , and software for educational and personal use . Gerding Edlen Development provides a comprehensive range of services in all areas of real estate development specializing in sustainable , mixed use urban projects in Portland , Seattle and Los Angeles . For example , a user who reads both Simplified and Traditional Chinese , but who prefers Simplified , might use the range " zh " for filtering ( matching all items that user can read ) but " zh-Hans " for lookup ( making sure that user gets the preferred form if it 's available , but the fallback to " zh " will still work ) . In the developing countries , the transportation sector also shows the fastest projected growth in oil use ; however , in contrast to the industrialized countries , oil use for purposes other than transportation is projected to contribute 41 percent of the total oil increase . Users who have complex and specific needs , such as the need to build their own XSLT or XPath processors , might use these internal interfaces , but their use is not supported .