By far, gardeners get best results with drip watering. (This is one time in your life where it pays to be a real drip.) Drip hoses (or soaker hoses) are the easiest and least expensive form of drip irrigation. They are made of recycled tires and have tiny pores along their entire length.
Federal Home Loan Mortgage Corporation (FHLMC). A publicly-traded company chartered by the U.S. Congress to guarantee mortgages granted to low- or middle-income households. In order to do this, it buys mortgages and repackages them, selling them as mortgage-backed securities.
The conventional market includes banks and other financial institutions that make loans using their own funds. FNMA and FHLMC are GSEs, established by congress to support the home mortgage industry. The role of the GSEs is to package mortgage into pools and sell them to investors.