Over the course of August at Venice Marco Polo Airport, the length of the day is rapidly decreasing. From the start to the end of the month, the length of the day decreases by 1 hour, 25 minutes, implying an average daily decrease of 2 minutes, 49 seconds, and weekly decrease of 19 minutes, 46 seconds.
Front-End Ratio. A ratio of an individual's monthly mortgage expenses to his/her monthly income. The expenses used in this calculation are usually the principal, interest, taxes, and insurance that an individual owes on a monthly basis. Mortgage lenders often use front-end ratios to determine whether an individual has sufficient income in order to qualify for a mortgage.
See this Marketwatch article for a discussion of banks with high Texas Ratios. According to Wikipedia, the Texas ratio is calculated by dividing the value of the lender's non-performing loans by the sum of its tangible equity capital and loan loss reserves. I would amend that to include all non-performing assets, including REO. For most banks this would not change the ratio much.