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However, because the collateral of a HELOC is the home, failure to repay the loan or meet loan requirements may result in foreclosure. As a result, lenders generally require that the borrower maintain a certain level of equity in the home as a condition of providing a home equity line, usually a minimum of 15-20%. [3]
Prosper's unsecured personal loans are fully amortized over a period of three or five years, with no pre-payment penalties. Prosper generates revenue by collecting a one-time fee on funded loans from borrowers and assessing an annual loan servicing fee to investors. From 2006 to 2009, Prosper operated a variable rate model.
The Palo Alto Police Department decided to stop using tasers to detain bicyclists after a 2012 incident in which a 16-year-old boy, who had bicycled through a stop sign, was injured after police officers pursued him, fired a taser at him and suddenly braked their patrol car in front of him, causing the boy to crash. [120]
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