The Michigan Daily - michigandaily.com Wednesday, November 14, 2007 - 7A Detroit 2nd in foreclosures FPager California, Florida cities rank high on list LOS ANGELES (AP) - Home- owners across the U.S. are increas- ingly having trouble making their mortgage payments on time, but borrowers in metro areas of Cali- fornia, Florida and other once- booming housing markets are accounting for the biggest spikes in foreclosure filings, according to a mortgage research company. An analysis of foreclosure activity in the nation's largest 100 metropolitan areas during the three months ended Sept. 30 shows seven cities in California STADIUM From Page 1A to correct the cited violations" or the department will refer the case to the U.S. Department of Justice, which could choose to sue the University. University spokeswoman Kelly Cunningham confirmed that the University received the letter and said the University plans to reply by the deadline. A resolution between the Uni- versity and the Office of Civil Rights seems likely to be particu- larly difficult, because the orga- nizations disagree over a crucial distinction in ADA law. While the Office of Civil Rights argues that the stadium fails to meet ADA requirements based on the reasoning that the project was a renovation, the University argues that the stadium is subject to a less stringent set of rules because that project was only a repair. The University could voluntari- ly make changes without conced- and five each in Florida and Ohio were among the top 25 metro areas with the highest foreclosure rates, accordingto the study being released today by RealtyTrac Inc. The Irvine-based company cal- culates its foreclosure rate rank- ing by comparing the number of households in a metro area with the number of foreclosure filings, which include notices of default, auction sale notices or bank repos- sessions. Stockton, about 83 miles east of San Francisco, had the highest foreclosure rate in the third quar- ter among the top 100 metro areas, with one foreclosure filing for every 31 households, RealtyTrac said. Detroit was second, with one foreclosure filing for every 33 ing that the concrete replacement was a renovation, but that could weaken its case in an existing lawsuit filed against the Univer- sity by the Michigan Paralyzed Veterans of America. That group has argued thatthe University has made renovations and intends to make further renovations without upgrading the facilities to meet ADA regulations. Interim University General Counsel Gloria Hage declined to comment on the letter, saying it would be inappropriate to discuss it before the University officially responds. Cunningham said the University remains optimistic that it can negotiate a solution despite the office's rejection of the University's argument. "We are very hopeful that we're going to reach a resolution," she said. "We've always worked to resolve this issue and that remains the same." The disagreement with the Office of Civil Rights began Oct. 29 when the office sent a letter ordering the University to bring households. The Riverside-San Bernardino metro area, located about 60 miles east of Los Angeles, was third, with one filing for every 43 households. Riverside-San Bernardino also accounted for the most foreclo- sure filings in the U.S. during the quarter, RealtyTrac said. The housing market slump has made it harder for financially strapped homebuyers to sell their homes and avoid missing pay- ments or losing their homes in foreclosure. Increasingly, many borrowers who took out adjust- able-rate mortgages and other loans that potentially adjust to higher monthly payments after an initial period are also finding they can't afford their payments. the stadium into compliance. The letter, which described conditions for disabled fans as inadequate and often oppressive, also accused the University of ignoring the office's requests for information about construction on the stadium. The University replied last week with a letter contesting the office's argument, arguing that the replacement of concrete should be considered a repair rather than a renovation because it maintained the original struc- ture of the bowl. The letter also defended the accessibility of the facilities offered to disabled fans and maintained that the Uni- versity has accommodated all requests for information by the Office of Civil Rights. Bradshaw said in an interview that the Office of Civil Rights still hopes to resolve the situa- tion without intervention by the Department of Justice. "We've invited the University of Michigan to meet with us to negotiate a resolution to this case," Bradshaw said. "Most people know my great- grandfather, Henry Ford, as the person who created the afford- able automobile, put the world on wheels," Ford said. "But Henry Ford was actually one of the 20th century's early environmentalists" Ford said. Ford reassured his audience of Ford Motor Company's contin- ued dedication to contributing to sustainable transportation. He addressed the company's growing efforts to tackle the growingneces- sity for sustainable transportation. Ford said the company has been exploring alternative energy technologies like hybrids, plug-in hybrids, hydrogen fuel cells, inter- nal combustion fuel cells and flex fuel engines. Ford said that the public does not realize the efforts being taken by auto companies. "There's this mindset out there that people in Detroit are a bunch of Neanderthals," Ford said. Ford said he was eager to prove them wrong. Mary Lemmer, who is co-presi- dent of the Environmental Issues Commission in the Michigan Stu- dent Assembly, said she originally thought Ford would use the lecture as a public relations ploy. Her opin- ion changed over the course of the speech. "I was very surprised," she said. "I mean, I knew that Ford was doing COMPUTER From Page 1A wide. Jones said he expects Virtual Sites to help students save money because they won't have to pur- chase expensive software programs that are already installed on campus computers. He said the University will save money, too, because fewer MAX COLLINS/Daily Bill Ford, the executive chairman of the Ford Motor Company's board of directors, spoke about sustainability at Rackham Auditorium last night. stuff, but I thought it was more of a 'green-washing' sort of thingto sort of green their image."' But some were less impressed. John Hassett, a graduate student at the School of Natural Resources staff will be needed to maintain the physical area in which the comput- ers are set up. The University will not have to purchase monitors, mice or keyboards for computers specifi- cally designated for Virtual Sites. Ruth Addis, executive director of ITCS, said faculty will be able to hold more class sessions that fur- ther integrate technology without being ina computer lab. "This is going to help change and Environment, said he was dis- appointed with Ford's evasion of responsibility. "He seemed a lot like a commer- cial at a shareholders' meeting," Hassett said. campus computing," she said. Jones said there are currently 40 computers on campus reserved for Virtual Sites users, but only one remote user can use each computer at a time. Jones said that ITCS is looking to expand the program so more people can use Virtual Sites simultaneously. Addis said the creation ofVirtual Sites won't cause any University computer labs to close. ELECTRICITY From Page 1A the fish following them use the same motion to push off of vorti- ces and propel themselves. And backers of the technol- ogy say fish will be one of its beneficiaries. John Kerr, director of eco- nomic development at the Detroit/Wayne County Port Authority, said VIVACE said other hydroelectric technologies include underwater turbines, which operate like underwa- ter windmills and have harmed fish. But Kerr said VIVACE won't do that. "The worst-case scenario with these cylinders is that fish get disoriented for a little bit," he said. VIVACEextracts energy from the currents in the river, but part of what makes it groundbreak- ing is its ability to extract energy from currents at lower speeds, unlike other technologies. According to the Electric Power Research Institute, tur- bines and water mills need an average current speed of 5-7 knots - or about 6-8 miles per hour - to be financially viable. Most currents flow at speeds of less than three knots. VIVA- CE allows access to those cur- rents for energy. "Currents are a reliable source of energy," Bernitsas said. "Waves, solar power and wind are often unpredictable." Bernitsas said water is the largest medium that absorbs energy, most of which comes from the sun. If humans could harness just 0.1 percent of that energy, he said, it would cover the needs of 15 billion people. The device took Bernitsas and others about three years to develop and will be used to power a 20,000-square foot building on the Detroit River. Kerr said he expects for the Detroit River to be a good dem- onstration site for Bernitsas' technology because it is deep and has a relatively strong cur- rent. Bernitsas and his team plan to finish a feasibility study by the end of this year. As long as the results are what they expect, about 18 months will be spent putting the device in the Detroit River. The Detroit/Wayne County Port Authority is helping fund the project along with the DTE Foundation, an electric compa- ny. In addition to the $400,000 received so far, Bernitsas's com- pany expects to raise another $3-5 million in funding. the michigan daily GREAT LOCATION AT South U. FALL '0 and Washtenaw. 7+rms. 3 bath. 2 at 811 Sy] kitchens, laundry, and prkg. $4750/mo. 5 min to b + water. 734-260-4003. Major HOUSE FOR 5-6, 852 Brookwood. 734.341' Prkg., porch, wsbr./dryer, dishwshr., EXECU' garage, & 1g. bdrms. Basement. 248- your suit 214-8708. $2400 per month. Fall 2008. else! 741- HOUSES FOR RENT Fall 2008- 2009. Please visit the gazette page on EARLY P our website rossley www.cappomanagement.com for a list ig, dry, $ of possible houses. Not all unil smay e avail. 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Not req. ple, get 3 free trips! Campus reps Call 888-722-4791. needed. www.StudentCity.com or 800- 293-1445. WOLVERINESNEEDJOBS.COM 293-_445. Paid survey takers needed in A2. SPRING BREAK '08 Lowest Prices!!! 100% FREE to join. Click on Surveys. www.sunsplashtours.com 800-426-7710 EARN $800-$3200 A month to drive SPRING BREAK 2008. Sell Trips, Ean $ewc-$s32ithadsmplthedtoneEarn Cash, Go Free! Best Prices Guar- brand new cars with ads placed on them. www.AdCarClub.com anteed! Call for group discounts. 1-800- 648-4849 or www.ststravel.com For Wednesday, Nov. 14, 2007 ARIES (March 21 to April 19) Brace yourself for surprises when dealing with bosses, parents, teachers or any authority figures in your life. You might like what happens; but if not, you'll be defiant! TAURUS (April 20 to May 20) Unusual or different people will cross your path today. Some of you will learn about a different religion or a new way of thinking. You're definitely more in touch with the outside world. GEMINI (May 21to June 20) Unexpected news about the resources of others could occur today. Stay in touch with unpaid bills and your bank account. Make sure your phone or elec- tricity is not threatened. CANCER (June 21to July 22) Partners and close friends might sur- prise you today. They might do or say something quite out of character. Alternatively, you might meet someone who is new and different. LEO (July 23 to Aug. 22) Your daily work schedule will be interrupted today. Fire drills, power out- ages, computer crashes or staff shortages are all possibilities. VIRGO (Aug. 23 to Sept. 22) Surprising flirtations might make you sit up and take notice. (Who knew?) Parents should be extra-vigilant with children. This is a mildly accident-prone day for them. LIBRA (Sept. 23 to Oct. 22) You could have unexpected company, or surprising events could occur at home today. Minor breakages might happen. Take things slowly. Expect the unex- pected. SCORPIO (Oct. 23 to Nov. 21) You'll meet someone new today who is interesting. Others will hear surprising news about siblings or relatives. It's not a boring day! SAGITTARIUS (Nov. 22 to Dec. 21) Impulse buying and spontaneous pur- chases are likely today. Some of you could discover ways of making money independently or earning something on the side. CAPRICORN (Dec. 22 to Jan. 19) You feel excited, independentand a bit saucy today. You don't want anyone telling you what to do. (You can do that very well by yourself, thank you.) AQUARIUS (Jan. 20 to Feb. 18) You feel a bit restless today. This is because you're dealing with a situation over which you have little control. You feel at the mercy of others, which makes you very much on your guard. PSCES (Feb. 19 to March 20) Either you will meet someone unusual today or someone you already know will do something that surprises you. Either way, it's interesting. You might join forces with someone to fight'for reform or to try to improve things. YOU BORN TODAY You're' con- cerned with your surrounding environ- ment. You care about how things are evolving. You're happy working behind the scenes; you don't need the glory. You understand the dynamics and needs of society. This is why many of you are in manufacturing. You'll be happy to know that the year ahead could be one of the best years of your life. Dream big! Birthdate of: Prince Charles, British royal; Laura San Giacomo, actress; Josh Duhamel, actor. NAL TRAINING/PILATES. 3422. Maryheth2@juno.com F TUTORING FOR LSAT, HOOL, BAR EXAM ntials: - 80 on LSAT n Law graduate (3.85 GPA) attorney of teaching experience sof delighted students 861 www.TESTGURU.com EDITING- LANGUAGE, on, format. 25 yrs. U-M exp. or writeon@iserv.net S2007 Ding Features Syndicate. Inc.