Saturday, July 20, 2013

Designing for microscopic life in the great indoors

Our homes, offices and even gadgets are teeming with microbial life, but is it the kind we want? Ecologist Jessica Green tells Amy Maxmen why it's time for designers and architects to consider the ecosystems that thrive in and on their creations

You began your career as a civil engineer. How did you come to study microbes?
When training as an engineer, I was applying fractal mathematics to model patterns of plant diversity. I was trying to answer questions in conservation biology, like "If you chop down a portion of the rainforest, how many species do you expect to lose"?

In 2001, a researcher in Australia asked if he could use these mathematical theories to make predictions about microbes in soil cores, and I ended up collaborating with his team. Microbes have remained interesting to me ever since. Even though they make up the majority of the tree of life, ...

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Video: Which banks are most vulnerable?

Sorry, Readability was unable to parse this page for content.

Source: http://www.nbcnews.com/video/cnbc/52520724/

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Immunity: A secret to making macrophages

[unable to retrieve full-text content]Biologists have worked out the details of a mechanism that leads undifferentiated blood stem cells to become macrophages -- immune cells that attack bacteria and other foreign pathogens. The process involves an unexpected cycle in which cell division slows, leading to an increased accumulation of a particular regulatory protein that in turn slows cell division further. The finding provides new insight into how stem cells are guided to generate one cell type as opposed to another.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/~3/bmlLN4t7N7U/130718161548.htm

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3 Tech Titans Making Noise: Apple Proposed Ad-Free TV, Dell Delays LBO Vote, and Microsoft Weighs in on PRISM

3 Tech Titans Making Noise: Apple Proposed Ad-Free TV, Dell Delays LBO Vote, and Microsoft Weighs in on PRISM | Wall St. Cheat Sheet
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Apple Inc.?(NASDAQ:AAPL): Apple is continuing its foray into TV programming and?is?developing an ad-skipping technology?that would let owners of its Apple TV set-top box and future television devices watch shows without commercials. Since this will naturally make advertisers unhappy, Apple may?reimburse the programmers for skipped ads.

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Friday, July 19, 2013

Apple joins alliance of tech heavyweights to demand increased NSA transparency

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Wednesday Highlights: Tim Cook expressed dismay that Apple is only selling 20% of iPhones sold through Apple Stores, plans to change it, but new analysis suggests that will be a "difficult proposition"; Apple's earnings report is on tap and analysts are up to usual prognostications of what numbers will be, with iPad numbers estimated between 13.5 and 22 million; Apple's "hobby", Apple TV, is owning the competition with 56% of the market, and ad-skipping is the latest rumored feature sure to shake the competition even further; is Samsung taking an extortion stance "against Apple in new ITC filing"?; report out of the WSJ spells caution for AT&T, Apple, others as the wow factor for upgrading smartphones is waning; Charlotte Henry at The Mac Observer takes Apple to task for lack of women on the Board of Directors; on Tuesday, Apple released Logic Pro X, and today comes news that if you purchased Logic Pro in the last 30 days, you're entitled to a refund; Marco Tabini wonders if the lack of an upgrade from Logic Pro to Logic Pro X is a sign that Apple is moving away from upgrade programs; Alex4D shows how Logic Pro X and Final Cut Pro X work together; Serenity Caldwell shows how to use iTunes to sync your iPhone, iPad; Mactuts+ 101 article on Contacts in OS X; iSuppli sees iPhone sales growth for 2013 as below the industry average; and IndiaTimes report has iPhone sales falling sharply in India, down 47% in Q1 of this year; Android narrowing developer revenue gap with iOS; Samsung doing a flip phone again?; more details leak on iPhone 5S, IGZO, fingerprint scanner among features; budget iPhone pictures surface; and perhaps most interesting are LiquidMetal iPhone rumors, patent noted on Tuesday by MacDailyNews, BGR believes the iPhone 5S will feature an "indestructible LiquidMetal case"; more in our Hardware/Software section; The Register reviews the Haswell-based 11" MacBook Air; Game Boy fans can now install an emulator on their iDevice without jailbreaking; DigiTimes explores pros and cons of Apple building own chips; Jonny Evans thinks the logic of Post-PC world is revealed in Apple's new Logic Remote app.

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Wed Jul 17
"Apple joins alliance of tech heavyweights to demand increased NSA transparency" AppleInsider 7:15 PM
  • "Apple looks to pick off engineers from Amazon, OpenStack to build out iCloud"?Network World?4:14 PM
  • "iSuppli predicting 2013 iPhone sales growth to be below industry average"?GigaOM?10:22 AM
  • "IDC Estimates For iPhone Sales In India Seem To Be Grossly Incorrect"?Seeking Alpha?2:31 PM
  • "Apple iPhone sales see sharp fall in India"?IndiaTimes?7:23 AM
  • "Smartphone shipments to hit 1.5 billion in 2017: New data suggests worldwide smartphone shipments will hit 1.5 billion by 2017: that's more than double the number of smartphones that shipped last year."?CNET News?12:39 PM
  • "iPhone sales in India reportedly down 47% for Q1 2013, despite marketing and monthly payment options"?The Next Web?8:33 AM
  • "iPhone sales in India take a dip in Q1"?ZDNet?7:26 AM
  • "Android closing Apple's iOS developer revenue gap"?ZDNet?7:25 AM
  • "Chart of the day: Apple TV's market share, revisited"?Fortune?2:26 PM
  • "Russian mobile operators stop selling Apple's iPhone, report says"?Reuters?4:17 PM
  • "Apple Has a Russian iPhone Problem"?TheStreet?9:04 AM
  • "Why It's Suddenly A Lot Harder To Buy An iPhone In Russia"?Business Insider?9:15 AM
  • "Apple And Motorola Re-Visit Old Values In New Ads"?Forbes?10:21 AM
  • "Faulty charger, not iPhone, could have killed Chinese stewardess"?ZDNet?7:24 AM
  • "Man Sues Apple for His Porn Addiction: The Tennessee lawyer demands new filter to block indecent content"?Time?10:19 AM
  • "Adobe is giving the stylus a second life"?Fortune?8:18 AM
  • "iPhone 6 and Samsung: Not much in common"?CNET News?7:26 AM
Non-Apple News
  • "Google to hit Apple's iPad Mini with an upgraded Nexus 7, here are the leaked specs, gallery and video"?9 to 5 Mac?6:09 PM
  • "MIT study analyzes deceptive online reviews written by loyal customers"?GeekWire?2:35 PM
  • "Get 50GB of AT&T Locker cloud storage for free"?CNET Reviews?12:39 PM
  • "Samsung is trying everything else, why not a flip phone?"?CNET News?8:53 AM
Publications/Podcasts
  • "ACM 213: Apple's Mac Commitment to Pros & Google Maps 2.0"?The Mac Observer?5:54 PM
  • "TUAW TV Live: Doctors Without Borders Edition"?TUAW?4:15 PM
  • "Kirk McElhearn Takes Control of LaunchBar"?MacVoices?2:38 PM
  • "MacBreak Weekly 359: Hamburger, Buttons and Basements"?iMore?8:41 AM
  • "Rumored iPhone 5S production shots & specs: IGZO display, Fingerprint, NFC, 12MP cam"?9 to 5 Mac?8:58 AM
  • "Budget iPhone Photos Compared to iPhone 5"?BGR?8:59 AM
  • "Photographs of Supposed iPhone 5S Claim NFC, Fingerprint Recognition"?The Mac Observer?8:22 PM
  • "iPhone shipments hit at least 29 million last quarter, says analyst: The forecast from Morgan Stanley's Katy Huberty tops the Wall Street consensus of 26.5 million."?CNET News?8:12 AM
  • "Smartphone upgrades slowing as Apple is rumored to be prepping low-cost iPhone"?AppleInsider?12:10 PM
  • "The Boy Genius Report: iPhone 5S to feature indestructible LiquidMetal case"?BGR?10:15 AM
  • "Liquidmetal iPhone Rumors Return As New Patent Surfaces"?LAPTOP Magazine?9:16 AM
  • "Apple-Liquidmetal Collaboration Awarded Patent on Process for Mass Production of Amorphous Metals"?MacRumors?10:22 AM
  • "Apple awarded new Liquidmetal patent"?ZDNet?12:10 PM
  • "Apple patents advanced Liquidmetal processing techniques as new gadgets loom"?iDownload Blog?2:21 PM
  • "Apple May Delay Introduction of IPhone 5S, Commercial Times Says"?Bloomberg?9:21 AM
  • "Apple delaying iPhone 5S due to switch in screen size? Apple is rumored to be delaying release of the iPhone 5S due to a screen-size specification change."?CNET News?7:23 AM
  • "Wildly unlikely report claims larger 4.3-inch display causing iPhone 5S delays"?9 to 5 Mac?9:22 AM
  • "Genuine-looking iPhone 5S production images and specs leak"?iDownload Blog?8:49 AM
  • "Next iPhone May Have Bigger Screen: Apple may push back the release of the next-gen iPhone due to a sudden change in its design."?InformationWeek?12:39 PM
  • "Smartwatches to explode by 2014, says Canalys"?DigiTimes?8:27 AM
  • "Warm up your wrist: 5M smartwatch shipments expected in 2014"?GigaOM?9:22 AM
  • "Tumblr urges password reset after iPhone/iPad security lapse"?ZDNet?7:24 AM
  • "Tumblr Urges Users to Update iOS App, Password Amid Security Issue"?Mashable?8:28 AM
  • "Apple files patent involving scene adaptive auto exposure"?AppleDailyReport?7:18 AM
Price Trackers/Deals
  • "Pattern Puzzle For iPhone And iPad Is Temporarily Available For Free (Normally $0.99)"?Apple Sliced?8:46 AM
  • "WhatsApp Messenger For iPhone Is Free Right Now (Previously $0.99)"?Apple Sliced?8:46 AM
  • "Floris For iPhone And iPad Is Free Today (Was $1.99)"?Apple Sliced?8:46 AM
  • "MacBook Air Prices & Sales"?MacPrices?8:00 AM
  • "Mac mini Prices & Sales"?MacPrices?8:00 AM
  • "PadGadget Daily App Deal ? 13 iPad Apps on Sale"?PadGadget?10:15 AM
  • "Refurbished iPad: Mini, $279; iPad 2, $319; iPad 3, 379; iPad 4, $419"?FairerPlatform?2:20 PM

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  • "Byliner's new iPad app aims to find your next long read"?paidContent?2:58 PM
  • "Logic Remote - Apple Launches Logic Pro X Companion App"?148Apps?2:31 PM
  • "Chrome 28 for iOS is out: Open links in other Google apps, enhanced voice search, fullscreen on iPad, and more"?The Next Web?2:32 PM
  • "Chrome for iOS adds improved Google apps integration, 'experimental' data compression"?The Verge?2:31 PM
  • "Chrome for iOS update adds support for opening links in other Google apps"?AppleInsider?2:31 PM
  • "Chrome for iOS gets better integration with Google apps, fullscreen on iPad, access to full browser history"?Engadget?2:25 PM
  • "New Trent Airbender Mini brings a keyboard and rugged protection to your iPad mini"?TechnologyTell?2:21 PM
  • "Recycadelic: How to Turn an Old, Unused iMac Pedestal Into the Ultimate iPad Stand!"?MacTrast?12:13 PM
  • "Gentlemen! The Time Has Come For A 19th Century Duel"?AppAdvice?12:10 PM
  • "Potluck, The Link-Sharing Service For The Rest Of Us, Arrives On iPhone"?TechCrunch?11:52 AM
  • "With iGab, you can select a 3D animated 'Gabber' to send a personalized video message recorded in your voice."?iGab?11:17 AM
  • "Apartment List Launches Android App For Finding Roommates, With iOS To Come"?TechCrunch?9:59 AM
  • "Tumblr's iOS fix for clear-text password login howler was weeks late"?The Register?9:36 AM
  • "8 Best Speakers for iPhone" [Slideshow]?Mashable?9:35 AM
  • "Tech For Life: Apps and gear for enjoying the great outdoors"?TechHive?8:51 AM
  • "Airfoil Remote: Control Airfoil For Mac From your iPhone Or iPad"?Cult of Mac?8:51 AM
  • "Muku Shuttr Remote Release For iPhone Works With Almost Any Camera App"?Cult of Mac?8:51 AM
  • "Play And Control Logic Pro X From Your iPad With Apple's New Logic Remote App"?AppAdvice?8:44 AM
  • "Updated iCab Mobile Web Browser Lets You Open Apps Using Predefined Gestures"?AppAdvice?8:44 AM
  • "Want to make 'flat' apps? Here's a new UI tool"?VentureBeat?8:41 AM
  • "iPad publisher Inkling nabs $16M and partners with Pearson and Elsevier"?paidContent?8:35 AM
  • "WhatsApp for iPhone gets iCloud backups, multiple photos sends, more; goes subscription-based"?TUAW?10:15 AM
  • "WhatsApp to charge iPhone users annual subscription: But the yearly price tag for the messaging app is only 99 cents."?CNET News?9:35 AM
  • "WhatsApp for iPhone moves to $0.99 annual subscription model"?The Verge?8:32 AM
  • "10 Accessories to Jazz Up Your Smartphone" [Slideshow]?Mashable?8:28 AM
  • "Fairer Deal: $999 New MacBook Pro, 50% Off Carbon Fiber Zaggfolio, Cheap Parallels, etc"?FairerPlatform?7:23 AM
  • "Google Maps Winds Way To Apple iPad: Apple's iPad, the device that put tablets on the map, finally has its own version of Google Maps. Here's what it can do for you."?InformationWeek?4:17 PM
  • "Catching Up With Android, Google Maps 2.0 For iOS Offers iPad Support, Indoor Directions"?TechCrunch?9:36 AM
  • "Google Maps Finally Lands on the iPad"?Wired?7:57 AM
  • "Google Maps App For iPad Released"?AppleBitch?7:21 AM
  • "Google Maps 2.0 Released for iPhone & iPad (Direct Link)"?The Mac Observer?7:21 AM
  • "Fuze Releases FitX - Personal Fitness App Designed by Pro Trainers"?prMac?8:49 AM
  • "What's that color called? Find out with Colors: Live! for iOS"?prMac?8:49 AM
  • "Life Productivity Wizard Lets Users Plan, Focus and Get Desired Results"?prMac?8:48 AM
  • "Get Gabbin' for iOS: Conversation-Starter App Provides 250+ Questions"?prMac?7:21 AM
  • "Home Budget Calculations App Comes To iPad"?prMac?7:21 AM
  • "Gormaya Announces Version 3.0 of Substitutions for iPhone/iPod touch"?prMac?7:21 AM
  • "Gettysburg: The Tide Turns, Wargaming for iOS Comes to Kickstarter"?prMac?7:21 AM
  • "Get the authentic Word writing & editing experience on iOS with iDocs"?prMac?7:21 AM
  • "Brand New Dressup Game for iPad/iPhone: BFF Dressup for Girls"?prMac?7:21 AM
  • "Book your App Review and Ad Spot in our Annual Medical App Edition"?prMac?7:21 AM
  • "More major Dell stakeholders say no to go-private deal: Michael Dell's effort faces strong opposition; Icahn wants his job."?Ars Technica?9:29 PM
  • "Salvaging Dell: Will Michael Dell and his company be able to weather the storm?"?New York Times?9:30 AM
  • "Team Icahn Has Dell On The Run"?Forbes?9:27 AM
  • "Icahn slams Dell board, remains bullish on Herbalife: CNBC"?CNBC?7:03 PM
  • "Icahn thanks rival Ackman for making him even richer"?Reuters?7:33 PM
  • "Shareholders voting on $24.4 billion Dell buyout: As Dell shareholders weigh $24.4 billion buyout offer, company makes late push for votes"?Associated Press?3:32 PM
  • "Dell warns stockholders that Icahn's plan would 'hamstring' company"?The Register?2:31 PM
  • "Dell faces key shareholder vote on go-private plan"?AFP?9:27 AM
  • "Dell Committee Mulls Buyout Vote Delay: Dell's directors are reportedly considering a delay for the shareholder vote over the troubled buyout proposal"?TechWeekEurope?9:29 AM
  • "Michael Dell faces buyout ultimatum from large shareholders"?Financial Times [Paid Membership Required]?9:29 AM
  • "Vanguard Now Seen Voting Against Dell Buyout, Boosting Opposition"?AllThingsD?2:59 PM
  • "Report: Dell may delay vote on buyout"?USA Today?9:27 AM
  • "Dell's special committee says Carl Icahn is trying to scare investors"?The Inquirer?9:27 AM
  • "Dell Buyout Opponents Would be Betting on 'Pipe Dream'"?WSJ Blogs?9:01 AM
  • "Microsoft COO: We Have 'The Most Secure Platform On The Planet'"?CRN?8:56 AM
  • "Microsoft Tells The Obama Administration: 'The Constitution Is Suffering' Under PRISM"?Business Insider?8:45 AM
  • "Microsoft Defends Itself Against PRISM Allegations: The Constitution is suffering (and so is Microsoft) with all this NSA and PRISM talk."?ReadWrite?8:57 AM
  • "Microsoft wants US to let it speak more freely about NSA data sharing: Redmond says that its practices have been 'misinterpreted' in the media."?Ars Technica?6:04 PM
  • "Microsoft Slams Reports of Direct NSA Access to Outlook, Skype"?PC Magazine?10:50 AM
  • "Microsoft Asks Attorney General to Ease Gag Order on NSA Program"?Associated Press?8:58 AM
  • "Now Microsoft wants to reveal NSA requests"?Reuters?8:18 AM
  • "Microsoft Wants To Tell How It Handles National Security Requests"?Escapist Magazine?8:57 AM
  • "We got over 400 requests from India for information on IDs: Microsoft"?DNA India?8:56 AM
  • "Nielsen: Microsoft Pays The Most Right Now To Promote Its Products. Tech Ads Jump 30% To $723M In Q1, MSFT Jumps 200%"?TechCrunch?11:52 AM
  • "Microsoft reseller rips company's 'insane' strategy for selling the Surface"?BGR?6:05 PM
  • "In Case You Don't Appreciate How Fast The 'Windows Monopoly' Is Getting Destroyed..."?Business Insider?8:44 AM
  • "Microsoft must embrace 'grim option' of Windows cannibalization: Accept lower Windows revenue to drive devices-and-services strategy, urges IDC"?Computerworld New Zealand?7:16 PM
  • "Microsoft 'funds' new Oz CO2 trading scheme"?The Register?7:56 AM
  • "IBM Reports 2013 Second-Quarter Results: Raises 2013 Operating EPS Expectation by $0.20 to $16.90, Excluding $1 Billion Second-Quarter Workforce Rebalancing Charge"?Business Wire?3:31 PM
  • "IBM beats second-quarter EPS estimates, misses on revenue"?Reuters?3:31 PM
  • "IBM earnings beat forecasts, sending shares up 3%"?CNBC?3:31 PM
  • "IBM Raises Full-Year Profit Outlook: Computer Giant's Second-Quarter Net Sags on Restructuring Charges, Weaker Hardware Sales"?WSJ.com [Paid Membership Required]?4:14 PM
  • "IBM Raises Annual Forecast After Earnings Top Analyst Estimates"?Bloomberg?3:30 PM
  • "IBM Rising: Q2 Rev Misses, EPS Beats; Raises Year EPS View"?Barron's?3:31 PM
  • "International Business Machines Corp. (IBM) Q2 Earnings Preview"?ValueWalk?9:25 AM
  • "Intel, IBM Feel Putin Pinch as Medvedev Tech Hub Falters"?Bloomberg?9:25 AM
  • "Intel Reports Second-Quarter Revenue of $12.8 Billion, Net Income of $2.0 Billion"?Business Wire?3:33 PM
  • "Intel Q2 Earnings Come in Below Expectations"?AllThingsD?3:30 PM
  • "Revenue Falls at Intel as PC Sales Sag"?New York Times [Free/Paid Registration Required]?4:17 PM
  • "Intel Misses In Q2 2013, Reports EPS Of $0.39 And Revenue Of $12.8 Billion"?TechCrunch?6:43 PM
  • "Intel's CEO Discusses Q2 2013 Results - Earnings Call Transcript"?Seeking Alpha?8:21 PM
  • "Intel cuts 2013 revenue forecast as PC industry sags"?Reuters?3:32 PM
  • "Intel profit falls as Q3 forecast is lowered"?CNET News?4:17 PM
  • "Intel Profit Falls Again on PC Slump"?WSJ Blogs?3:32 PM
  • "Intel lowers outlook as quarterly profits slide: The chip maker now expects no sales growth for the year, as the PC market continues to suffer"?Computerworld?6:07 PM
  • "Intel earnings fall as forecast is lowered: Chip giant sees flat revenue in 2013; capital spending plan reduced"?MarketWatch?3:32 PM
  • "Intel trims full-year forecast; shares bounce"?MarketWatch?3:33 PM
  • "Intel outlook in question as PC sales fall: Analysts say chip giant will be hard-pressed to meet current forecast"?MarketWatch?9:04 AM
  • "Intel going somewhere: no one knows if it is up or down"?TG Daily?6:23 PM
  • "Tech's Billion-Dollar Tomorrow: Intel's Future Lab"?Bloomberg TV?9:02 AM
  • "Leaked Images Possibly Show HP's Forthcoming iPhone-Like Smartphone"?HotHardware?9:22 AM
  • "HP Adds Three New Directors, Expanding to 12 Members"?The VAR Guy?9:23 AM
  • "Oracle's July patch release includes 27 fixes for remote exploits"?IDG News Service?8:45 AM
  • "Oracle plugs 89 security holes in July critical patch update"?The Inquirer?8:12 AM
  • "Oracle releases July patch batch... with 27 fixes for remote exploits"?The Register?7:57 AM
  • "How Cisco picks and builds apps for its employees"?CITEworld?6:05 PM
? ?

Source: http://www.macsurfer.com/redirr.php?u=797527

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Thursday, July 18, 2013

Senators ready to restore lower college loan rates

?Senators are ready to offer students a better deal on their college loans this fall, but future classes could see higher interest rates.

The Senate could vote as early as Thursday on a bipartisan compromise that heads off a costly increase for returning students. The compromise could be a good deal for students through the 2015 academic year, but then interest rates are expected to climb above where they were when students left campus this spring.

Under the deal, all undergraduates this fall would borrow at 3.85 percent interest rates. Graduate students would have access to loans at 5.4 percent and parents would be able to borrow at 6.4 percent. Those rates would climb as the economy improves and it becomes more expensive for the government to borrow money.

The deal was described by Republican and Democratic aides who insisted on anonymity because they were not authorized to discuss the ongoing negotiations by name.

Undergraduates last year borrowed at 3.4 percent or 6.8 percent, depending on their financial need. Graduate students had access to federal loans at 6.8 percent and parents borrowed at 7.9 percent.

The interest rates would be linked to the financial markets, but Democrats won a protection for students that rates would never climb higher than 8.25 percent for undergraduates. Graduate students would not pay rates higher than 9.5 percent and parents' rates would top out at 10.5 percent.

The bipartisan agreement is expected to be the final in a string of efforts that have emerged from near constant work to undo a rate hike that took hold for subsidized Stafford loans on July 1. Rates for new subsidized Stafford loans doubled from 3.4 percent to 6.8 percent, adding roughly $2,600 to students' education costs.

Lawmakers from both parties called the increase senseless but differed on how to restore the lower rates. Republicans have pushed for a link between interest rates and the financial markets. Obama included that link in his budget proposal, as did House Republicans. Democrats balked, saying it could produce government profits on the backs of borrowers if rates continued to climb.

Leaders from both parties, however, recognized the potential to be blamed for the added costs in the 2014 elections if nothing were done.

Senate aides said a vote on the agreement could come as early as Thursday, although it could be pushed back to the middle of next week.

The House has already passed student loan legislation that also links interest rates to the 10-year Treasury note. The differences between the Senate and House versions are expected to be resolved before students return to campus this fall, and Obama is expected to sign the bill.

Few students had borrowed for fall classes. Students typically do not take out loans until just before they return to campus, and lawmakers have until the August recess to restore the lower rates. The students who had borrowed for summer programs since July 1 would have their rates retroactively reduced.

The deal was estimated to reduce the deficit by $715 million over the next decade.

Lawmakers and their top aides have been tinkering with various proposals ? nudging here, trimming there ? trying to find a deal that avoids added red ink for students and the government alike.

Democrats and Republicans met with Obama and Vice President Joe Biden on Tuesday at the White House. An outline of an agreement seemed to be taking shape Tuesday, with follow-up meetings Wednesday in Democratic Sen. Dick Durbin's office yielding a final agreement.

Democratic Sen. Joe Manchin of West Virginia and Republican Sen. Richard Burr of North Carolina were the main negotiators, with Republican Sen. Lamar Alexander of Tennessee and Durbin filling the role of mediators.

Source: http://www.norwichbulletin.com/news/x997483544/Senators-ready-to-restore-lower-college-loan-rates?rssfeed=true

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