o Loans made and intended to be sold by the originating lender or creditor to FNMA, GNMA, or FHLMC (or its successor); 7 or o Loans that are the subject of a home equity conversion mortgage or reverse mortgage issued by a lender or creditor subject to the regulation. 4
1 Draw the max line -- the one with as large a slope as you think reasonable (taking into account error bars), while still doing a fair job of representing all the data. Measure the slope of this line.  Calculate the uncertainty in the slope as one-half of the difference between max and min slopes.
That formula is. a = [k/(k-1)][1 - (Ss i 2 / s X 2)], where k is the number of items, Ss i 2 is the sum of the individual item variances taken over all k items, and s X 2 is the scale variance. Since the term in the first set of brackets is always positive, a will be negative if and only if. Ss. Ss i 2 s X 2.hat formula is. a = [k/(k-1)][1 - (Ss i 2 / s X 2)], where k is the number of items, Ss i 2 is the sum of the individual item variances taken over all k items, and s X 2 is the scale variance. Since the term in the first set of brackets is always positive, a will be negative if and only if. Ss. Ss i 2 s X 2.