Integrating automated valuation models (AVMs) with valuation services to meet the needs of UK borrowers, lenders and valuers

Lenders traditionally instruct a valuer to conduct a property valuation to support property secured loan decisions. However AVM use for UK residential loan valuations has recently grown rapidly (CML, 2007) raising questions about how the UK valuers’ professional body, the RICS, should respond. The paper reports research funded by the RICS Education Trust and Residential Professional Group, commencing with interviews and a survey examining valuers’ changing roles in residential loan valuation in the UK, including the use of AVMs. Subsequent interviews with lenders and AVM companies explored choices between different valuation and survey levels, including AVMs, and development of AVM tools designed to support valuers. The paper analyses possible approaches to advice, guidance and regulation of AVM use by the UK professional body, drawing on the survey, interviews and a review of other countries’ professional body responses to AVMs. It is the first systematic study of valuers’ current and likely future involvement with automated valuation and their perceptions of it

Automated Valuation Models: an international perspective

This paper describes two research projects: the first carried out during Q2 2007 for the Council of Mortgage Lenders (CML) and MacDonald Dettwiler and Associates (Downie & Robson, 2007). The second is a questionnaire survey of RICS Residential Faculty members, carried out Q2 2008, as part of an ongoing study funded by the RICS Education Trust and the RICS Residential Faculty, investigating how AVMs can integrate with valuation services to meet the needs of borrowers, lenders and RICS members. Both projects were undertaken by the School of the Built Environment at Northumbria University. The former predates the credit crunch and the latter coincided with it. The paper will first outline the main findings of the CML report, then those of the valuer questionnaire and finally draw conclusions about issues for consideration by professional and industry bodies

Tell Khaiber: An administrative centre of the Sealand period

Excavations at Tell Khaiber in southern Iraq by the Ur Region Archaeological Project have revealed a substantial building (hereafter the Public Building) dating to the mid-second millennium b.c. The results are significant for the light they shed on Babylonian provincial administration, particularly of food production, for revealing a previously unknown type of fortified monumental building, and for producing a dated archive, in context, of the little-understood Sealand Dynasty. The project also represents a return of British field archaeology to long-neglected Babylonia, in collaboration with Iraq's State Board for Antiquities and Heritage. Comments on the historical background and physical location of Tell Khaiber are followed by discussion of the form and function of the Public Building. Preliminary analysis of the associated archive provides insights into the social milieu of the time. Aspects of the material culture, including pottery, are also discussed

Story in health and social care

This paper offers a brief consideration of how narrative, in the form of people‟s own stories, potentially figures in health and social care provision as part of the impulse towards patient-centred care. The rise of the epistemological legitimacy of patients‟ stories is sketched here. The paper draws upon relevant literature and original writing to consider the ways in which stories can mislead as well as illuminate the process of making individual treatment care plans

Nurses\u27 Alumnae Association Bulletin, June 1965

President\u27s Page Officers and Committee Chairmen Financial Report Hospital and School of Nursing Report Student Activities Annual Report Students Activities Annual Report Student Activities Annual Report Jefferson Expansion Program Psychiatric Unit Progress of the Alumnae Association Nightingale Pledge Resume of Alumnae Meetings Nursing Service Staff Association Scholarship Program Sick and Welfare Social Committee Report Bulletin Membership- WHY JOIN? Private Duty Report Annual Giving Report - 1964 PIT Alumnae Day Notes Building Fund Report - 1965 Vital Statistics IN MEMORIAM Class News Affiliated Institutions Notice

Nurses\u27 Alumnae Association Bulletin, June 1964

President\u27s Message Officers and Committee Chairmen Financial Report Hospital and School of Nursing Report Student Activities Jefferson Expansion Program Resume of Alumnae Meetings Staff Nurses Private Duty Social Committee Reports Program Scholarship Bulletin Committee Report Annual Luncheon Notes Membership and Dues Units in Jefferson Expansion Program Center Annual Giving Drive 1963 Report of Ways and Means Committee Jefferson Building Fund Contributions Annual Giving Contributions 1964 Jefferson Building Fund Report Help the Building Fund Committee! Vital Statistics Class News Notice

Young men's negotiation of hetero-masculinity within the contemporary UK

This thesis draws on feminist theory and critical men and masculinities scholarship to consider young men’s negotiations of hetero-masculinity in the contemporary UK. It utilises qualitative data from focus groups and one-to-one interviews with twenty-five predominantly white, heterosexually identified men between the ages of 18 and 24, exploring how young men understand and experience hetero-masculinity on subjective and relational levels. It examines how young men understand and experience gender and sexual norms, and to what extent, and in what ways, young men disrupt and challenge these. The thesis contextualises contemporary shifts of gender and sexuality in relation to wider gender equality and power, through analysis of, gender politics, (hetero)masculine subjectivities, sex and sexuality, which inform the empirical chapters of this thesis. With a focus on power and gender (in)equality, the thesis critically explores how contemporary transformations of masculinity, whilst superficially appearing to signify social change, may, on closer inspection, reveal how power and inequality are reworked and reframed in current times (Bridges and Pascoe, 2014). The thesis also seeks to address the absence of theoretical and empirical research on postfeminism (Gill, 2007; McRobbie, 2009; O’Neill, 2018) within the field of critical men and masculinities. The thesis points to a wealth of diverse and often conflicting understandings of gender and sexuality. Whilst gender equality was often favoured, binarised and essentialist understandings of gender endured, ultimately limiting the possibilities of social change as men and women were viewed as inherently different based on biological ‘fact’. Where feminism was supported, this was often confined to second-wave projects as more recent feminist politics, which emphasise gender fluidity and the diversification of gender identities, conflicting with essentialist understandings. Notions of ‘natural’ sex difference also paradoxically coalesced with significant reflexivity of gender and sexual norms and how these come to delineate gender and sexual performances and practices, though participants were often reticent to acknowledge that they were affected by these discourses. Moreover, some interviewees discursively distanced from normative masculinity, whilst simultaneously maintaining investments in traditional masculine identities. Participants articulated choreographing their gendered performances so as to signify ‘correct’ masculinity. This was closely related to affirming their heterosexuality and avoiding adopting traditionally feminine styles, which were seen to potentially signify same-sex desire. Gender and sexuality were, therefore, regularly conflated as gendered expressions were seen to indicate sexual preference. Despite a desire to transcend gender boundaries amongst many of the young men, gender policing and homophobia remained a prevalent feature in their lives as gender and sexuality were regarded heavily regulated spheres

Associations of common breast cancer susceptibility alleles with risk of breast cancer subtypes in BRCA1 and BRCA2 mutation carriers

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