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FHA insurance and securitization of loans ( lenders sell loans to the secondary mortgage market , which packages them into securities to sell to investors ) reduce the risk to lenders and increase the capital available for mortgage lending . The assessment will encompass all types of responsibilities ( teaching , research , and service ) that are specified in the Member 's Academic Responsibilities and Workload taking into account , if necessary , any modifications described in the Member 's Letter of Appointment . For full details of these updates go to Updates and releases Users can choose between analysing C-value data across different groups of plants ( using the Plant DNA C-values database ) , or searching just part of the database ( e.g . Three-quarters ( 75 percent ) of consumers surveyed said they have visited an emergency room and / or required medical attention while away from home , and about two-thirds ( 65 percent ) said they are concerned that they might be rendered unconscious in an accident and unable to report vital information to emergency personnel . More rigorous regression analysis , not reported in detail here , indicates that within villages ( this analysis does not take into account the effect of rural to urban migration ) , structural factors accounted for 73 percent of the decline in rice consumption between 1981 and 1991 , and 82 percent of the increase in fish consumption , 65 percent in fruit consumption , and 17 percent in meat consumption .