Chavez allies re-elect legislative chief

CARACAS, Venezuela (AP) — Allies of cancer-stricken President Hugo Chavez on Saturday chose to keep the same National Assembly president — a man who could be in line to step in as a caretaker leader in some circumstances.
The vote to retain Diosdado Cabello as legislative leader signaled the ruling party's desire to stress unity and continuity amid growing signs the government plans to postpone Chavez's inauguration for a new term while he fights a severe respiratory infection nearly a month after cancer surgery in Cuba.
The opposition has argued that if Chavez is unable to be sworn in as scheduled on Thursday, the president of the National Assembly should take over on an interim basis.
Cabello's selection quashed speculation about possible political reshuffling in the midst of Chavez's health crisis, and it came a day after Vice President Nicolas Maduro joined other allies in suggesting that Chavez could remain president and take the oath of office before the Supreme Court later on if he isn't fit to be sworn in on the scheduled date.
"It strikes me that the government has decided to put things on hold, to wait and see what happens with Chavez's health and other political factors, and figure out the best way to insure continuity," said Michael Shifter, president of the Inter-American Dialogue think tank in Washington. "Maduro and Cabello are clearly the key players within Chavismo today, each heading separate factions, but for the time being the idea is to reaffirm both and project a sense of unity."
Cabello, a former military officer who is widely considered to wield influence in the military, was re-elected by a show of hands by Chavez's allies, who hold a majority of the 165 congressional seats.
Pro-Chavez party leaders ignored calls to include opposition lawmakers among the legislative leadership, and opposition lawmaker Ismael Garcia said the choices represented "intolerance."
Hundreds of Chavez's supporters gathered outside the National Assembly to show their support, some holding flags and pictures of the president.
The Venezuelan Constitution says the presidential oath should be taken Jan. 10 before the National Assembly. It also says that if the president is unable to be sworn in before the Assembly, he may take the oath before the Supreme Court, and some legal experts in addition to Chavez allies have noted that the sentence referring to the court does not mention a date.
"When, it doesn't say. Where, it doesn't say either," Cabello told supporters after the session. Apparently alluding to possible protests by opponents over the issue of delaying the inauguration, Cabello told Chavez's supporters: "The people have to be alert on the street so that there is no show."
Without giving details, Cabello urged them to "defend the revolution."
The latest remarks by Cabello and Maduro sent the strongest signals yet that the government intends to try to postpone the 58-year-old president's inauguration.
If Chavez dies or is declared incapacitated, the constitution says that a new election should be called and held within 30 days, and Chavez has said Maduro should be the candidate. There have been no public signs of friction between the vice president and Cabello, who appeared side-by-side waving to supporters after the session and vowed to remain united.
If the government delays the swearing-in and Chavez's condition improves, the president and his allies could have more time to plan an orderly transition and prepare for a new presidential election.
Opposition leaders have argued the constitution is clear that the inauguration should occur Thursday, and one presidential term ends and another begins. They have demanded more information about Chavez's condition and have said that if Chavez can't make it back to Caracas by Thursday, the president of the National Assembly should take over provisionally.
If such a change were to occur, it might not lead to any perceptible policy shifts because Cabello is a longtime Chavez ally who vows to uphold his socialist-oriented Bolivarian Revolution movement. But the latest comments by pro-Chavez leaders indicate they intend to avoid any such changes in the presidency, at least for now.
"We're experiencing political stability," Soto Rojas said as he announced the choices of Chavez's United Socialist Party of Venezuela. Referring to Chavez, the former legislative leader said: "Onward, Comandante. ... We're continuing with the Bolivarian process."
Speaking on television Friday, Maduro read from a small blue copy of the constitution, arguing that opponents were using erroneous interpretations to try to drive Chavez from power.
Maduro called the swearing-in a "formality" that could be taken care of before the Supreme Court at a later date. He echoed other Chavez allies in suggesting that the president should be given more time to recover from his cancer surgery if needed.
Shifter said the government's stance has left opposition on the defensive, with its only tactic being to insist that Jan. 10 is the established date.
"The opposition's strong objections to the government's plan are unlikely to get much political traction," Shifter said. "What the government is doing may be of dubious constitutionality but it fits a familiar pattern under Chavez's rule and will probably have minimal political costs."
Chavez was re-elected in October to another six-year term, and two months later announced that his pelvic cancer had returned. Chavez said before the operation that if his illness prevented him from remaining president, Maduro should be his party's candidate to replace him in a new election.
Chavez hasn't spoken publicly or been seen since his Dec. 11 operation. The government revealed this week that Chavez is fighting a severe lung infection and receiving treatment for "respiratory deficiency."
That account raised the possibility that he might be breathing with the assistance of a machine. But the government did not address that question or details of the president's treatment, and independent medical experts consulted by The Associated Press said the statements indicated a potentially dangerous turn in Chavez's condition, but said it's unclear whether he is attached to a ventilator.
Chavez has undergone four cancer-related surgeries since June 2011 for an undisclosed type of pelvic cancer. He also has undergone chemotherapy and radiation treatment.
Other legislative leaders chosen Saturday included Dario Vivas as first vice president and Blanca Eekhout as second vice president, keeping her in the same role.
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Stay happy by avoiding junk food, says study

Feeling blue? Drop the burger and donuts.
While junk food and processed foods may provide a dose of instant gratification, Spanish researchers say they’ve found a direct link between the consumption of fast food and depression.
After observing 8,964 participants over six months, scientists found that consumers of fast food were 51 percent more likely to develop depression. And the more they ate, the greater the risk.
Their findings, published in the March issue of Public Health Nutrition, reveal a grim portrait of the junk food binger: single, inactive, with poor dietary habits like eating less fruit, nuts, fish, vegetables and olive oil.
They also tend to be smokers who work more than 45 hours a week.
While the chosen participants had never been diagnosed with depression or taken anti-depressants, by the end of the study 493 were diagnosed with the condition or started to take mild anti-depressants.
Even eating small quantities of processed foods like pre-packaged cakes and hot dogs is linked to a significantly higher chance of developing depression, researchers said.
The latest study builds on previous research from the same group which found that while trans fats and saturated fats have been linked to an increased risk of depression, olive oil can actually protect against mental illness.
Meanwhile, WebMD.com offers a list of mood-boosting foods which also happen to be rich in vitamins and nutrients.
For example, look for foods rich in folic acid like beans and spinach, and fish, lean poultry and dairy, which are good sources of vitamin B12, two nutrients which have been shown to help keep mood disorders at bay.
Strong evidence has also linked depression to deficiency in Vitamin D –- better known as the sunshine vitamin. Dietary sources include fatty fish, beef liver, cheese and egg yolks.
And for an instant mood lift, treat yourself to a small piece of dark chocolate, which releases the feel-good endorphins that can send people on a momentary, all-natural high.
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Aging in America Conference Attendees Told Who Will 'Transform Aging'

The American Society on Aging held its annual Aging in America Conference that ended Sunday in Washington. The Sunday general session answered concerns about how aging will change within the decade.
Aging in America 2012 Conference
The conference is held each year to allow those interested in aging and older adults to come together to talk, learn and advocate for their various agencies, businesses and institutions, as explained in the conference introduction. Three thousand attendees were expected for the event. With 80 million Americans reaching age 65 from 2011 to 2029, all aspects of American life will be affected, just as they have been throughout the lifetimes of the baby boomer generation.
Putting Effects of Baby Boomer Aging into Perspective
Ken Dychtwald, CEO of AgeWave and noted gerontologist, was one of the panel of presenters at the conference. Dychtwald said just as hospitals, pediatricians, schools and other institutions were strained by the volume of those people born from 1946 to 1964, so it is with health care and geriatric medicine today, according to the Huffington Post.
Solutions for Dealing with Aging and the Future
Baby boomers have done more than strain institutions and budgets throughout the decades. As Dychtwald stated, "Anyone who thinks (the boomers) will turn 65 and be the same as the generation before are missing out on the last 60 years of sociology. The boomers change every stage of life through which they migrate."
Rhonda Randall, chief medical officer of United Healthcare, said the single biggest factor driving the cost of health care upward is the care required for chronic diseases. Preventive care is becoming increasingly important -- and covered -- by health insurance providers.
Scripps Howard columnist Ann McFeatter reported Dychtwald's proposed solutions for the future in CrescentNews.com: Americans need to take control of their health by avoiding unhealthy lifestyle choices such as smoking and becoming/remaining overweight; more funding is needed for scientific research to eliminate, control and cure diseases affecting older adults; and more health care professionals need to be better versed in health and lifestyle issues associated with aging.
Smack dab in the middle of the baby boomer generation, L.L. Woodard is a proud resident of "The Red Man" state. With what he hopes is an everyman's view of life's concerns both in his state and throughout the nation, Woodard presents facts and opinions based on common-sense solutions.
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How to Communicate with Younger Colleagues

How to Communicate with Younger Colleagues
In today's workforce, baby boomers constantly interact with younger co-workers and managers. These younger workers have been raised in a generation of social media, with connectivity always and everywhere. Individuals constantly update their status and current events via Facebook, Twitter, Pinterest, texting, and other technologies. If anything new or unexpected occurs, friends are notified immediately. This tendency to constantly update and make on-the-fly changes sometimes leads to reluctance to meet commitments for meetings and appointments.
When baby boomers were young, our technology was pretty basic. We called each other from a land line, mail was in written form and took days to arrive, and "being connected" meant you knew people, rather than were accessible 24/7. Making plans required planning in advance, and last-minute changes happened only for emergencies. Our lives may have seemed less flexible, but we generally met commitments and arrived on time.
With the advent of today's smart phones, people are perpetually connected. Why worry about making changes in advance when, with a quick text, plans are easily altered at the last moment. It is a new way of thinking. Being late has become acceptable as long as you warn your companion before the actual hour ticks by. Fewer people feel obligated to honor specific time commitments since they can quickly make changes on the fly. Without feeling a need to stick to a scheduled event, a mindset develops that accepts last-minute changes as the norm, often frustrating those patiently waiting at the other end.
Have you had the experience of arriving on time only to receive a last minute message that "plans have changed" as your young friend lays out an alternative agenda? Some young people make on-again, off-again arrangements for a visit which changes multiple times until the very last minute. I have learned to write in pencil on my calendar and believe the kids are coming only when they physically walk through the front door.
Another concern is the incredible distraction that perpetual connectivity encourages. Everywhere you go people are using smart phones to communicate and update their status. Lunches are interrupted, conversations misunderstood, and attention is diverted from where it should be directed. Not only does it give the impression that those on the other end are more important than the person you are currently engaged with, but it can be dangerous. Every day I see people texting while driving. There is a time and a place for connectivity. A balance needs to be maintained if we are to best interact with each other.
Respect for each other's time and busy life is a basic tenant of living and working together harmoniously. Calendars are typically packed with events for the weeks and months ahead as we carefully monitor and balance free time with our obligations. We count on others to be there when they say, and that most changes will be made in advance.
This new lifestyle with instant access everywhere is not a bad thing. It is a powerful technology with broad applications that can be more effective if better controlled and managed. Baby boomers should attempt to understand that this is how the younger generation operates and adapt accordingly. If you have an appointment, reconfirm as the date gets closer. If you experience a last-minute change of plans, don't get angry. At least you were made aware of the delay and understand what is happening, rather than wondering what is up. Feel free to inform others that you are a bit of a stickler when it comes to being on time, but realize that you may be in the minority. Since it appears that perpetual connectivity is here to stay, a little tolerance can go a long way.
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Township fire in South Africa kills 3

JOHANNESBURG (AP) — South African media say three people died and 4,000 were displaced when fires swept through shacks in poor settlements in the Cape Town area on New Year's Day.
Citing disaster management officials, the South African Press Association says the blazes broke out in Khayelitsha and Thembeni, densely populated areas where many residents live in makeshift homes.
The worst fire started just before 5 a.m. in Khayelitsha, when many people were still asleep. Three people died, and another suffered serious burns and was taken to a hospital.
The causes of the fires are under investigation.
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61 killed in New Year's stampede in Ivory Coast

61 killed in New Year's stampede in Ivory Coast
ABIDJAN, Ivory Coast (AP) — At least 61 people were killed early Tuesday in a stampede following a New Year's fireworks display in Abidjan, Ivory Coast's commercial center, said officials.
The death toll is expected to rise, according to rescue workers.
The majority of those killed were young people between eight and 15 years old who were trampled after the fireworks festivities in Abidjan's Plateau district, at about 1 a.m. Tuesday, said Col. Issa Sako, of the fire department rescue team.
Thousands gathered at the Felix Houphouet Boigny Stadium to see the fireworks and after the display the crowds moved out onto the Boulevard de la Republic by the Hotel Tiama, said Sako, on Ivory Coast state television.
"The flood of people leaving the stadium became a stampede which led to the deaths of more than 60 and injured more than 200," said Sako.
President Alassane Ouattara has visited some of the wounded in hospital and he pledged that his government would pay for the costs of their medical treatment, according to the president's office.
Ouattara's government organized the fireworks to celebrate Ivory Coast's peace, after several months of political violence in early 2011 following disputed elections. It was the second year that Abidjan had a New Year's fireworks display.
Desperate parents went to the city morgue, the hospital and to the stadium to try to find children who are still missing.
Mamadou Sanogo was searching for his nine-year-old son, Sayed.
"I have just seen all the bodies, but I cannot find my son," said a tearful Sanogo. "I don't know what to do."
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Central African Republic rebels ignore negotiation

BANGUI, Central African Republic (AP) — President Francois Bozize's government came under growing threat Monday as rebels vowing to overthrow him rejected appeals from the African Union to hold their advance and try to form a coalition government.
Meanwhile, dozens of troops from Republic of Congo arrived at sunset on New Year's Eve in Bangui, the capital, as part of an effort to step up the presence of a multinational regional military force.
After disembarking from their military aircraft, the group of about 120 men was headed toward the line between government forces and a coalition of four rebel groups known as Seleka north of Bangui.
The rebels have seized control of about 10 towns in less than a month's time, and now have moved within striking distance to the capital, a city of more than 700,000 people. The government has imposed a curfew of 7 p.m., leaving the streets largely empty on New Year's Eve.
Soldiers from Central African Republic and a regional military force are currently in Damara, about 75 kilometers (45 miles) from Bangui. The rebels, meanwhile, are holding the city of Sibut, which is about 185 kilometers (115 miles) away.
The rebels on Monday said they did not trust Bozize's offer to form a unity government, raising fears they could attempt confrontation with government forces in the coming days.
"We are not convinced of the commitments made ??by President Bozize," said rebel spokesman Juma Narkoyo when reached by telephone. "Bozize has always spoken, but he never keeps his word."
The rebels said they would enter negotiations "only if the head of state releases all our relatives they have arrested without reason."
The rebels claim that Bozize has abducted more than a dozen of their family members. They warned if the president uses foreign troops to protect his government, they may continue their campaign toward the capital.
In response the rebels were told by the African Union that if they seize power they will face sanctions and Central African Republic will be suspended from the organization.
Meanwhile, French President Francois Hollande welcomed the efforts by the AU and the group of neighboring states to find a negotiated solution. Hollande called for "opening a dialogue between CAR authorities and all the parties present, including the rebellion."
Hollande last week said his government would only protect French interests in CAR, but would not prop up the Bozize government.
Central African Republic has suffered many army revolts, coups and rebellions since gaining independence from France in 1960.
The rebels behind the current instability signed a 2007 peace accord allowing them to join the regular army, but insurgent leaders say the deal wasn't fully implemented.
Neighboring African countries have agreed to send more forces to support the Bozize government.
Representatives from the 10-nation Economic Community of Central African States, or ECCAS, agreed at a meeting in Gabon on Friday to send forces to CAR, but did not did not specify how many troops would be sent or how quickly the military assistance would arrive.
The ECCAS states, with more than 500 soldiers via their regional peacekeeping force in Central Africa, warned the rebels over the weekend to halt their advances.
The neighboring Republic of Congo sent 120 troops from Brazzaville on Monday to bolster the regional force, according to a New Year's statement from Congo President Denis Sassou Nguesso. Troops from Gabon and Cameroon also were expected in the coming days to join extra forces already sent from Chad.
The regional forces are there to help stabilize the area but "will be forced to defend ourselves" if the rebel forces open fire, said Gabriel Enteha Ebia, the Republic of Congo's ambassador to Central African Republic.
The ongoing instability here already has prompted the United States to evacuate about 40 people, including the U.S. ambassador, from Bangui on an U.S. Air Force plane bound for Kenya, U.S. officials said on condition of anonymity because they weren't authorized to discuss the operation.
The United States has special forces troops in the country who are assisting in the hunt for Joseph Kony, the fugitive rebel leader of another rebel group known as the Lord's Resistance Army. The U.S. special forces remain in the country, the U.S. military's Africa Command said from its headquarters in Stuttgart, Germany.
The evacuation of the U.S. diplomats came after criticism of how the U.S. handled diplomatic security before and during the attack on its consulate in Benghazi, Libya, on Sept. 11. The ambassador and three other Americans were killed in that attack.
In Washington, State Department spokesperson Victoria Nuland expressed concern "about the deteriorating security situation in the Central African Republic" and called on the rebel alliance "to cease hostilities and movements towards the capital."
At the same time, she urged the government to respect human rights, saying the U.S. is "concerned by allegations of arrests and disappearances of hundreds of individuals who are members of ethnic groups with ties to the rebel alliance."
She urged both sides to work with the Central African economic community "to seek a political resolution to this crisis."
China announced Monday that it is evacuating its 300 citizens from CAR, although its embassy staff will stay.
French diplomats have remained in Bangui, despite a violent demonstration outside its embassy last week. Dozens of protesters, angry at France's lack of help against rebel forces, threw rocks at the French Embassy in Bangui and stole a French flag.
CAR, a landlocked nation of 4.4 million people, is one of the poorest countries in the world. The current president himself came to power nearly a decade ago in the wake of a rebellion in this resource-rich yet deeply poor country. Despite Central African Republic's wealth of gold, diamonds, timber and uranium, the government remains perpetually cash-strapped.
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Fixed mortgage rates rise above record lows

WASHINGTON (AP) — Fixed mortgage rates rose slightly this week off their record lows. The year ends much like it began, with few people able to take advantage of the best rates in history.
Freddie Mac says the average on the 30-year home loan increased to 3.95 percent from 3.91 percent. Last week's rate was the lowest average on records dating to the 1950s.
The average on the 15-year fixed mortgage rose to 3.24 percent. That's up from 3.21 percent, also a record low.
Rates have been below 5 percent for all but two weeks in 2011. Even so, this year is shaping up to be one of the worst ever for home sales.
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Fixed mortgage rates end year above record lows

WASHINGTON (AP) — Fixed mortgage rates rose slightly this week off their record lows. The year ends much like it began, with few people able to take advantage of the best rates in history.
Freddie Mac said Thursday that the average on the 30-year home loan increased to 3.95 percent from 3.91 percent. Last week's rate was the lowest average on records dating to the 1950s.
The average on the 15-year fixed mortgage rose to 3.24 percent. That's up from 3.21 percent, also a record low.
Rates have been below 5 percent for all but two weeks in 2011. Even so, this year is shaping up to be one of the worst ever for home sales.
Previously occupied homes are selling just slightly ahead of last year's dismal pace. And new-home sales appear headed for their worst year on records going back half a century.
Next year could be better. More than 5 percent of households said this month they plan to purchase a home within the next six months, according to the Conference Board.
Builders are also hopeful that the low rates could boost sales next year. Low mortgage rates were cited as a key reason the National Association of Home Builders survey of builder sentiment rose in December to its highest level in more than a year.
But so far, rates are having no major impact. Mortgage applications have fallen slightly in recent weeks, according to the Mortgage Bankers Association.
High unemployment and scant wage gains have made it harder for many people to qualify for loans. Many Americans don't want to sink money into a home that they fear could lose value over the next few years.
To calculate the average rates, Freddie Mac surveys lenders across the country Monday through Wednesday of each week. The average rates don't include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount.
The average fee for the 30-year loan was unchanged at 0.7; the average on the 15-year fixed mortgage was unchanged at 0.8.
For the five-year adjustable loan, the average rate rose to 2.88 percent from 2.85 percent. The average on the one-year adjustable loan ticked up to 2.78 percent from 2.77 percent.
The average fees on the five- and one-year adjustable-rate loans were unchanged at 0.6.
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Credit score focus of new celeb-backed debit card

NEW YORK (AP) — Personal finance media personality Suze Orman is thinking big. She's the   first out of the gate in the fast-growing prepaid debit card market with a card that aims to help its users build a credit score. It's a gamble that could pay off, if it can help create a way measure the creditworthiness of millions who function outside the traditional financial system.
The latest in a string of celebrities to put their stamp on a prepaid card, Orman will likely avoid the criticism about high fees lobbed at earlier offerings, such as those of hip-hop mogul Russell Simmons and reality show stars the Kardashians. Orman's card costs $3 to obtain, and then just $3 a month, rivaling the hugely popular Walmart MoneyCard.
Although some will question how Orman will recoup the more than $1 million she has invested in the card when charging that little, the real twist isn't the low fee structure. Orman is working with credit reporting agency TransUnion to create a new kind of credit score for users of "The Approved" prepaid MasterCard, one that's based on their spending habits.
Right now, using debit cards — both the prepaid kind and those tied to bank accounts — does not influence an individual's credit score, which is calculated with data related to borrowing. If Orman's experiment is successful, this new type of score could be a game-changer for the estimated 60 million Americans who do most or all of their personal business in cash or with cash alternatives like prepaid cards.
The TV adviser said she approached several companies, urging them to agree to develop such a score, and TransUnion ultimately agreed to gather spending data for 18 to 24 months. It will use that data to try to come up with a formula that works as a way to predict whether the user is a good risk for lenders.
"This is truthfully a work in progress," said Orman.
Banks and other lenders are interested in creating ways to measure how prepaid cards are used, because of the huge market they represent. Consumers loaded an estimated $70.7 billion onto prepaid cards in 2011, up from $2.7 billion in 2005, according to consultancy Mercator Advisory Group.
Mercator projects the market will top $120 billion this year if adoption continues at the same pace.
In general, users can be divided into three groups. The first subset is those caught up in the economy — people who had good credit until it was damaged by events like unemployment or foreclosure. Second are those who have not yet built credit histories, mainly the young and recent immigrants. The third group avoids banks, often because of negative experiences, such as racking up high overdraft fees.
"Wouldn't it be fabulous if, for the first time in history, people are literally rewarded for spending cash, versus penalized, in my opinion, for doing so?" Orman said.
The problem with traditional credit scores from FICO Inc. and its competitors is that they measure how well individuals keep up with their payments, but don't pay any attention to their overall financial health, she said. "Scoring doesn't question where the money is coming from to make payments."
Prepaid cards have already filled some of the void for those who don't use banks, especially because they can be used to receive paychecks via direct deposit. But because they don't contribute to credit scores, the cards can't help users get a mortgage, a car loan or a credit card.
Not having a credit score, or having a low one, also drives up the cost of living in other ways. Lower scores can mean higher car insurance rates, higher rent, difficulty getting a job and paying higher interest rates for any credit available. People with little credit history — known as a "thin file" in the industry — are also the most likely to use alternative services like payday lenders, check cashing stores and bill pay services. These are expensive options when compared with credit cards and banks.
FICO Inc. and other companies use data tied to borrowing to determine a score meant to measure the likelihood an individual will pay back future loans. FICO's 300-to-850 scale is based on an individual's history making payments on loans, the percentage of available credit that is being used and how long the individual has used credit, among other data.
Those with thin credit files have a better chance of having their creditworthiness reflected by FICO's "expansion score," which factors in data like utility bill payments and rent payments. FICO CEO Mark Greene said the expansion scores have shown that the population without traditional scores mirrors to the larger population in terms of credit risk. Other credit score providers are beginning to provide measures based on utility payments and other nontraditional data.
One big difference for developing a prepaid score, however, is that these alternatives still measure how well individuals meet obligations, not how they spend the rest of their income.
"Spending is not actually a great indicator of the thing that we're trying to measure, which is the likelihood you're going to pay your bill," Greene said. "We need to be careful about how we approach that issue."
Another issue a prepaid-linked score must address is the fact that the typical reloadable card is used for just three to four months, said Brian Riley, who analyzes the card market for the consultant The Tower Group.
That timeframe is likely to expand, however, because more users are beginning to have their paychecks deposited to reload prepaid cards. Adding rewards and services, and cutting fees, may also increase customer loyalty.
Orman is adamant that her card will carry only a $3-per-month fee for users who load at least $20 per month onto it. Fees will rise only if the user uses ATMs outside the network it is linked to when withdrawing cash. Consumers who use The Approved Card will also get daily text messages updating their balance, along with one after each purchase, and other free services like ID theft monitoring, credit monitoring and free credit reports from TransUnion.
The media star, whose new show on the Oprah Winfrey Network premieres Monday, said she knows creating the score will be an uphill battle, but believes that if successful, it will help both lenders and borrowers. "You've got to start it somewhere, and this is the beginning of that process.
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