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History of the web browser
following release version .april bernd richter ceased development stating let microsoft activex development kit rest.microsoft thus far marketed browser finally entered fray internet explorer product version .released august purchased spyglass inc. began known browser wars microsoft netscape competed web browser market...
History of the web browser
victory standardized web cascading style sheets proposed håkon wium lie accepted netscapes javascript style sheets jsss wc.late microsoft vs netscape netscapes share browser market reached internet explorer edging microsoft began integrating browser operating system bundling deals oems.within years release ie browser m...
History of the web browser
helped browser maintain technical edge internet explorer slow netscapes declining market share.netscape purchased america online late .first mozilla project struggled attract developers evolved relatively stable powerful internet suite.mozilla .released mark milestone.
History of the web browser
also spinoff project would eventually become popular firefox released.firefox always downloadable free start predecessor mozilla browser.firefoxs business model unlike business model netscape primarily consists deals search engines google direct users towards – see web browserbusiness models.in microsoft announced inte...
History of the web browser
internet explorer released windows xp windows server windows vista october .internet explorer released march windows xp windows server windows vista windows server windows .internet explorer later released version included windows microsoft edge became default browser there.apples safari default browser mac os x versio...
History of the web browser
august apple also ported safari use windows xp vista operating systems.opera first released .popular choice handheld devices particularly mobile phones remains niche player pc web browser market.also available nintendos ds ds lite wii consoles.opera mini browser uses presto layout engine like versions opera runs phones...
History of the web browser
relationships browsers number web browsers derived branched source code earlier versions products.web browsers year table personal computer web browsers year release major version.increased growth internet means current browsers small market shares total users entire market early on.example market share would roughly m...
Outlook.com
year listed version usually year first official release end year end development project change relevant termination.releases os browser early – time frame current focus.many early browsers made run later os later browsers early os cases however situations avoided table.terms defined below.see also history internettime...
Outlook.com
limit free storage mb.hotmail initially backed venture capital firm draper fisher jurvetson.december reported .million subscribers.hotmail initially ran solaris mail services apache freebsd web services partly converted microsoft products using windows services unix migration path.
Outlook.com
msn hotmail hotmail sold microsoft december reported million joined msn group services.hotmail quickly gained popularity localized different markets around globe became worlds largest webmail service million active members reported february .hotmail originally ran mixture freebsd solaris operating systems.project start...
Outlook.com
later development saw service tied microsofts web authentication scheme microsoft passport microsoft account integration microsofts instant messaging social networking programs msn messenger msn spaces later windows live messenger windows live spaces respectively.security issues hackers revealed security flaw hotmail p...
Outlook.com
exploitable vulnerability exposed millions accounts tampering august .competition google announced mail service gmail.featuring greater storage space speed interface flexibility new competitor spurred wave innovation webmail.main industry heavyweights – hotmail yahoo mail – introduced upgraded versions email services g...
Outlook.com
webmail enthusiasts also wanting try beta version could request invitation granting access.new service built scratch emphasized three main concepts faster simpler safer.new versions beta service rolled development period end number beta testers reached millions.the hotmail brand planned phasedout microsoft announced ne...
Outlook.com
old msn hotmail interface accessible users registered windows live hotmail release date chosen update new service.rollout existing users completed october .windows live hotmail awarded pc magazines editors choice award february march february .in announced service would updated focus improving speed increasing storage ...
Outlook.com
support google chrome still incomplete prompting chrome developers temporarily ship browser employed user agent spoofing making requests windows live site.as part update microsoft also added integrated capability instant messaging contacts windows live messenger service.feature realization project began windows live we...
Outlook.com
new version began gradual release hotmail users june completely rolled august .exchange activesync support enabled hotmail users august allowing users sync mail contacts calendar tasks mobile devices supports protocol.addition fullsession ssl released november .throughout microsoft added several new features hotmail al...
Outlook.com
transition outlook.com outlook.com first introduced july beta version made available general public.existing hotmail customers could freely upgrade preview version outlook.com downgrade back.outlook.com graduated preview stage february .according microsoft upgrade deployed april users kept existing hotmail accounts rec...
Outlook.com
transition new infrastructure may microsoft announced would move service described office based infrastructure.followed june introduction optin preview new features including new calendar layout options filtering service called clutter new theme designs.microsoft also introduced ability thirdparty providers paypal ever...
Outlook.com
however windows live mail could configured use imap protocol less effective pop fetch mail only.microsoft concluded preview stage february began roll new version users accounts beginning north america.redesign august microsoft launched new optin beta toggle allowing users test upcoming changes outlook.com mail includin...
Outlook.com
existing outlook.com premium subscribers may continue renew existing subscription.the old interface dated phased .features similar major webmail services outlook.com uses ajax programming techniques supports later versions internet explorer firefox safari google chrome.features include keyboard controls giving ability ...
Outlook.com
critics claim actions violate privacy laws well microsofts promises regards users personal information others pointed access permitted microsofts privacy policies order protect rights property microsoft necessary order prevent crime intended inflicted billions dollars damage action microsofts part unprecedented years.r...
Outlook.com
singleuse code sent user requested login.office web integration outlook.com integrates office web allow viewing editing microsoft word excel powerpoint documents attached email messages.users directly open attached office documents within web browser save onedrive.users also perform edits received office documents dire...
Outlook.com
users also save emails onenote.skype integration preview version skype outlook.com started rolling uk april .feature allows users make skype video call within outlook.com without using skype desktop client.aliases users create additional unique email addresses called aliases microsoft account.april users sign alias cre...
Outlook.com
given account aliases use inbox contact list account settings—including password—as primary address.alias set users choose email sent address go inbox different folder.emails sent alias reveal recipients come account addresses.keyboard shortcuts freeware version hotmail.com provides list almost keyboard shortcuts web u...
Outlook.com
default view three column view folders groups left list email messages middle selected message right.mails active view allows users interact directly contents functionality within email message.example photo attachments previewed directly using active view.addition mail provides partner platform allows contents functio...
Outlook.com
sweep performed user may choose configure mail remember sweep settings perform move delete actions future emails.users may also set custom message rules based senders recipients information subject email attachments email.also option deletemove messages older specified number days keep latest message sender.quick views...
Outlook.com
calendar outlooks timemanagement web application first released january windows live calendar updated wave release june .updated microsofts metro design phased rollout users april .calendar features similar interface desktop calendar applications windows calendar supports icalendar files users import calendar entries c...
Outlook.com
people outlooks contacts management service originally known windows live contacts windows live people.provides users access contacts profiles information allowing share different information different groups people.besides address book people also provides integrated services social media facebook twitter.service rebr...
Outlook.com
task management component outlook.com introduced transition office based infrastructure.mail client access outlook.com supports email clients connecting following protocols listed chronological orderwebdav used outlook express discontinued september .microsoft outlook introduced microsoft office xp included integrated ...
Outlook.com
hotmail amended service agreement stating account engaging activities would terminated without warning.requests contact details ability associate outlook.com accounts mobile phones email addresses initially advertised optional feature.however update required many users associate accounts website would allow log – refus...
Security Content Automation Protocol
see also comparison webmail providers references external links official websitefisma federal information security management act compliance.national vulnerability database nvd u.s. government content repository scap.example implementation scap openscap.purpose guard security threats organizations need continuously mon...
Security Content Automation Protocol
applications conduct security monitoring use standards measuring systems find vulnerabilities offer methods score findings order evaluate possible impact.scap suite specifications standardize nomenclature formats used automated vulnerability management measurement policy compliance products.a vendor computer system con...
Security Content Automation Protocol
february software identification swid tags scap checklists security content automation protocol scap checklists standardize enable automation linkage computer security configurations nist special publication sp controls framework.current version scap meant perform initial measurement continuous monitoring security sett...
Embedded OpenType
scap validation program scap validation program tests ability products employ scap standards.nist national voluntary laboratory accreditation program nvlap accredits independent laboratories program perform scap validations.a vendor seeking validation product contact nvlap accredited scap validation laboratory assistan...
Embedded OpenType
copy protection measures used encryption list trusted roots source end proprietary decrypting library receiving end.if embedded font available web page reason missing font file wrong keys file nonsupport web browser secondchoice font specification used ensuring page readable even without intended font.embedded opentype...
Embedded OpenType
adjusts html files creates embedded opentype files inclusion web site.files usually use extension .eot.weft embed fonts embed fonts designated embedding fonts designers.weft may reject fonts problems identified.in past embedded fonts widely used generate nonenglishlanguage websites.as january recent version tool weft ....
Mortgage-backed security
.eot files extracted .pptx file used directly web pages.security issues critical security update windows vista kb resolves several security issues could allow remote code execution user viewed content rendered specially crafted embedded opentype eot font.fonts could embedded web sites including host userprovided conten...
Mortgage-backed security
prevalence mortgage bonds commonly credited mike vranos.the shares subprime mbss issued various structures cmos identical rather issued tranches french slices different level priority debt repayment stream giving different levels risk reward.tranches mbs —especially lowerpriority higherinterest tranches— arewere often ...
Mortgage-backed security
basics aremortgage loans mortgage notes purchased banks lenders possibly assigned special purpose vehicle spv.the purchaser assignee assembles loans collections pools.the purchaser assignee securitizes pools issuing mortgagebacked securities.while residential mortgagebacked security rmbs secured singlefamily two fourfa...
Mortgage-backed security
issuances privatelabel mortgagebacked securities increased dramatically ended abruptly real estate markets began falter.example privatelabel issuer real estate mortgage investment conduit remic taxstructure entity usually used cmos among things remic structure avoids socalled double taxation.advantages disadvantages se...
Mortgage-backed security
mortgage backed securities helped move interest rate banking sector facilitated greater specialization among financial institutions.however mortgagebacked securities may led inexorably rise subprime industry created hidden systemic risks.also undid connection borrowers lenders.historically less people lost homes forecl...
Mortgage-backed security
fha helped develop standardize fixedrate mortgage alternative balloon payment mortgage insuring helped mortgage design garner usage.in government also created governmentsponsored corporation fannie mae create liquid secondary market mortgages thereby free loan originators originate loans primarily buying fhainsured mor...
Mortgage-backed security
freddie mac issued first mortgage passthrough called participation certificate composed primarily private mortgages.fannie mae issued first mortgage passthrough called mortgagebacked security.freddie mac issued first collateralized mortgage obligation.in government enacted real estate investment trust act allow creatio...
Mortgage-backed security
tax reform act significantly contributed savings loan crisis resulted financial institutions reform recovery enforcement act dramatically changed savings loan industry federal regulation encouraging loan origination.subprime mortgage crisis lowquality mortgagebacked securities backed subprime mortgages united states ca...
Mortgage-backed security
distinguish basic mbs bond mortgagebacked instruments qualifier passthrough used way vanilla designates option special features.subtypes mortgagebacked security includepassthrough securities issued trust allocate cash flows underlying pool securities holders pro rata basis.trust issues passthrough certificates taxed gr...
Mortgage-backed security
often contain sequential pay security structure least two classes mortgagebacked securities issued one class receiving scheduled principal payments prepayments class.paythrough securities classified debt income tax purposes.a stripped mortgagebacked security smbs mortgage payment partly used pay loans principal partly ...
Mortgage-backed security
alta loans conforming loans eligible purchase fannie mae freddie mac.subprime mortgages generally weaker credit scores well little verification income assets high debttoincome ratios etc.jumbo mortgage size loan bigger conforming loan amount set fannie mae freddie mac.mortgage rates jumbo loans somewhat higher conformi...
Mortgage-backed security
infusion capital investors provides mortgage lenders banks thrifts mortgage bankers loan originators market loans.addition providing liquidity increasing overall efficiency secondary market smooth geographic credit disparities.however respects particularly subprime riskier mortgages involved secondary mortgage market m...
Mortgage-backed security
tbas traded mbs traders notional amounts.settlement days traders make good trades.time choose fractions various pools make tba.agency mortgagebacked securities trade tba market.tba transaction parties agree price delivering given volume agency passthrough mortgagebacked securities specified future date.
Mortgage-backed security
distinguishing feature tba transaction actual identity securities delivered settlement specified date execution “trade date”.instead parties trade agree five general parameters securities delivered issuer mortgage type term coupon month settlement.tbas critical determining ultimate interest rates mortgage borrowers pay...
Mortgage-backed security
market regulated since creation law governing securities germany .key difference covered bonds mortgagebacked assetbacked securities banks make loans package covered bonds keep loans books.means company mortgage assets books issues covered bond balance sheet grows would occur issued mbs although may still guarantee sec...
Mortgage-backed security
market size liquidity second quarter .trillion total outstanding us mortgage debt..trillion total us mortgagerelated securities.trillion securitized guaranteed governmentsponsored enterprises government agencies remaining .
Mortgage-backed security
trillion pooled private mortgage conduits.according bond market association gross us issuance agency mbs see also chart usd .trillion usd .trillion usd .trillion usd .trillion usd .
Mortgage-backed security
trillion pricing valuation weightedaverage maturity wam weighted average coupon wac used valuation passthrough mbs form basis computing cash flows mortgage passthrough.article describes bond year bond coupon rate article describes passthrough mbs billion passthrough passthrough rate .wac month wam.passthrough rate diff...
Mortgage-backed security
costs incurred collecting loan payments transferring payments investors.to illustrate concepts consider mortgage pool three mortgage loans following outstanding mortgage balances mortgage rates months remaining maturity weightedaverage maturity weightedaverage maturity wam passthrough mbs average maturities mortgages p...
Mortgage-backed security
× .× .× ...
Mortgage-backed security
.monthsanother measure often used weightedaverage loan age.weightedaverage coupon weightedaverage coupon wac passthrough mbs average coupons mortgages pool weighted original balances issuance mbs.example iswac .× .
Mortgage-backed security
.× ..× ..
Mortgage-backed security
...theoretical pricing pricing vanilla corporate bond based two sources uncertainty default risk credit risk interest rate ir exposure.mbs adds third risk early redemption prepayment.
Mortgage-backed security
number homeowners residential mbs securitizations prepay increases interest rates decrease.one reason phenomenon homeowners refinance lower fixed interest rate.commercial mbs often mitigate risk using call protection.since two sources risk ir prepayment linked solving mathematical models mbs value difficult problem fin...
Mortgage-backed security
models type numerical methods provide approximate theoretical prices.also required models specify credit risk stochastic function ir correlation.practitioners typically use specialised monte carlo methods modified binomial tree numerical solutions.interest rate risk prepayment risk theoretical pricing models must take ...
Mortgage-backed security
prepayment classified risk mbs investor despite fact receive money tends occur floating rates drop fixed income bond would valuable negative convexity.words proceeds received would need reinvested lower interest rate.hence term prepayment risk.professional investors generally use arbitragepricing models value mbs.model...
Mortgage-backed security
drivers prepayment function prepayment risk independent interest rate aseconomic growth correlated increased turnover housing markethome prices inflationunemploymentregulatory risk borrowing requirements tax laws country change change market profoundlydemographic trends shifting risk aversion profile make fixed rate mo...
Mortgage-backed security
additionally fannie mae freddie mac generally require private mortgage insurance loans borrower provides payment less property value.pooling many mortgages uncorrelated default probabilities creates bond much lower probability total default homeowners able make payments see copula.although risk neutral credit spread th...
Mortgage-backed security
general uniform liquid mbs greater transparency availability prices.traders money managers use bloomberg intex analyze mbs pools esoteric products cdos although tools citis yield book barclays point blackrocks anser also prevalent across wall street especially multi–asset class managers.institutions also developed prop...
Mortgage-backed security
due actual pools shown.forward prices next delivery months since pools cut issuing agency coupon dollar amount revealed.specific pool whose characteristics known would usually trade tba plus x ticks payup depending characteristics.called specified pools since buyer specifies pool characteristic heshe willing pay for.th...
Mortgage-backed security
purchase price investor loses cents every dollar prepaid may significantly decrease yield.likely happen holders highercoupon mortgages larger incentive refinance.conversely may advantageous bondholder borrower prepay lowcoupon mbs pool bought discount .due fact borrower pays back mortgage par.investor purchases bond ce...
Mortgage-backed security
common specifications mbs pools loan amount ranges mortgage pool must pass.typically highpremium highcoupon mbss backed mortgages original loan balance larger command largest payups.even though borrower paying market yield dissuaded refinancing small loan balance due high fixed cost involved.low loan balance mid loan b...
Mortgage-backed security
varying liquidity premiums related instruments changing liquidity time make difficult task.one factor used express price mbs security pool factor.recording mortgage electronic registration systems one critical component securitization system us market mortgage electronic registration systems mers created created privat...
Mortgage-backed security
legal inconsistencies mers originally appeared trivial may reflect dysfunctionality entire us mortgage securitization industry.see also notesbank america home loansdollar rolllewis ranieri father mbssnew centuryunited states housing bubble references bibliography external links vink dennis thibeault andré .abs mbs cdo ...
Mortgage-backed security
prevalence mortgage bonds commonly credited mike vranos.the shares subprime mbss issued various structures cmos identical rather issued tranches french slices different level priority debt repayment stream giving different levels risk reward.tranches mbs —especially lowerpriority higherinterest tranches— arewere often ...
Mortgage-backed security
basics aremortgage loans mortgage notes purchased banks lenders possibly assigned special purpose vehicle spv.the purchaser assignee assembles loans collections pools.the purchaser assignee securitizes pools issuing mortgagebacked securities.while residential mortgagebacked security rmbs secured singlefamily two fourfa...
Mortgage-backed security
issuances privatelabel mortgagebacked securities increased dramatically ended abruptly real estate markets began falter.example privatelabel issuer real estate mortgage investment conduit remic taxstructure entity usually used cmos among things remic structure avoids socalled double taxation.advantages disadvantages se...
Mortgage-backed security
mortgage backed securities helped move interest rate banking sector facilitated greater specialization among financial institutions.however mortgagebacked securities may led inexorably rise subprime industry created hidden systemic risks.also undid connection borrowers lenders.historically less people lost homes forecl...
Mortgage-backed security
fha helped develop standardize fixedrate mortgage alternative balloon payment mortgage insuring helped mortgage design garner usage.in government also created governmentsponsored corporation fannie mae create liquid secondary market mortgages thereby free loan originators originate loans primarily buying fhainsured mor...
Mortgage-backed security
freddie mac issued first mortgage passthrough called participation certificate composed primarily private mortgages.fannie mae issued first mortgage passthrough called mortgagebacked security.freddie mac issued first collateralized mortgage obligation.in government enacted real estate investment trust act allow creatio...
Mortgage-backed security
tax reform act significantly contributed savings loan crisis resulted financial institutions reform recovery enforcement act dramatically changed savings loan industry federal regulation encouraging loan origination.subprime mortgage crisis lowquality mortgagebacked securities backed subprime mortgages united states ca...
Mortgage-backed security
distinguish basic mbs bond mortgagebacked instruments qualifier passthrough used way vanilla designates option special features.subtypes mortgagebacked security includepassthrough securities issued trust allocate cash flows underlying pool securities holders pro rata basis.trust issues passthrough certificates taxed gr...
Mortgage-backed security
often contain sequential pay security structure least two classes mortgagebacked securities issued one class receiving scheduled principal payments prepayments class.paythrough securities classified debt income tax purposes.a stripped mortgagebacked security smbs mortgage payment partly used pay loans principal partly ...
Mortgage-backed security
alta loans conforming loans eligible purchase fannie mae freddie mac.subprime mortgages generally weaker credit scores well little verification income assets high debttoincome ratios etc.jumbo mortgage size loan bigger conforming loan amount set fannie mae freddie mac.mortgage rates jumbo loans somewhat higher conformi...
Mortgage-backed security
infusion capital investors provides mortgage lenders banks thrifts mortgage bankers loan originators market loans.addition providing liquidity increasing overall efficiency secondary market smooth geographic credit disparities.however respects particularly subprime riskier mortgages involved secondary mortgage market m...
Mortgage-backed security
tbas traded mbs traders notional amounts.settlement days traders make good trades.time choose fractions various pools make tba.agency mortgagebacked securities trade tba market.tba transaction parties agree price delivering given volume agency passthrough mortgagebacked securities specified future date.
Mortgage-backed security
distinguishing feature tba transaction actual identity securities delivered settlement specified date execution “trade date”.instead parties trade agree five general parameters securities delivered issuer mortgage type term coupon month settlement.tbas critical determining ultimate interest rates mortgage borrowers pay...
Mortgage-backed security
market regulated since creation law governing securities germany .key difference covered bonds mortgagebacked assetbacked securities banks make loans package covered bonds keep loans books.means company mortgage assets books issues covered bond balance sheet grows would occur issued mbs although may still guarantee sec...
Mortgage-backed security
market size liquidity second quarter .trillion total outstanding us mortgage debt..trillion total us mortgagerelated securities.trillion securitized guaranteed governmentsponsored enterprises government agencies remaining .
Mortgage-backed security
trillion pooled private mortgage conduits.according bond market association gross us issuance agency mbs see also chart usd .trillion usd .trillion usd .trillion usd .trillion usd .
Mortgage-backed security
trillion pricing valuation weightedaverage maturity wam weighted average coupon wac used valuation passthrough mbs form basis computing cash flows mortgage passthrough.article describes bond year bond coupon rate article describes passthrough mbs billion passthrough passthrough rate .wac month wam.passthrough rate diff...
Mortgage-backed security
costs incurred collecting loan payments transferring payments investors.to illustrate concepts consider mortgage pool three mortgage loans following outstanding mortgage balances mortgage rates months remaining maturity weightedaverage maturity weightedaverage maturity wam passthrough mbs average maturities mortgages p...
Mortgage-backed security
× .× .× ...
Mortgage-backed security
.monthsanother measure often used weightedaverage loan age.weightedaverage coupon weightedaverage coupon wac passthrough mbs average coupons mortgages pool weighted original balances issuance mbs.example iswac .× .
Mortgage-backed security
.× ..× ..
Mortgage-backed security
...theoretical pricing pricing vanilla corporate bond based two sources uncertainty default risk credit risk interest rate ir exposure.mbs adds third risk early redemption prepayment.
Mortgage-backed security
number homeowners residential mbs securitizations prepay increases interest rates decrease.one reason phenomenon homeowners refinance lower fixed interest rate.commercial mbs often mitigate risk using call protection.since two sources risk ir prepayment linked solving mathematical models mbs value difficult problem fin...
Mortgage-backed security
models type numerical methods provide approximate theoretical prices.also required models specify credit risk stochastic function ir correlation.practitioners typically use specialised monte carlo methods modified binomial tree numerical solutions.interest rate risk prepayment risk theoretical pricing models must take ...
Mortgage-backed security
prepayment classified risk mbs investor despite fact receive money tends occur floating rates drop fixed income bond would valuable negative convexity.words proceeds received would need reinvested lower interest rate.hence term prepayment risk.professional investors generally use arbitragepricing models value mbs.model...
Mortgage-backed security
drivers prepayment function prepayment risk independent interest rate aseconomic growth correlated increased turnover housing markethome prices inflationunemploymentregulatory risk borrowing requirements tax laws country change change market profoundlydemographic trends shifting risk aversion profile make fixed rate mo...
Mortgage-backed security
additionally fannie mae freddie mac generally require private mortgage insurance loans borrower provides payment less property value.pooling many mortgages uncorrelated default probabilities creates bond much lower probability total default homeowners able make payments see copula.although risk neutral credit spread th...
Mortgage-backed security
general uniform liquid mbs greater transparency availability prices.traders money managers use bloomberg intex analyze mbs pools esoteric products cdos although tools citis yield book barclays point blackrocks anser also prevalent across wall street especially multi–asset class managers.institutions also developed prop...
Mortgage-backed security
due actual pools shown.forward prices next delivery months since pools cut issuing agency coupon dollar amount revealed.specific pool whose characteristics known would usually trade tba plus x ticks payup depending characteristics.called specified pools since buyer specifies pool characteristic heshe willing pay for.th...
Mortgage-backed security
purchase price investor loses cents every dollar prepaid may significantly decrease yield.likely happen holders highercoupon mortgages larger incentive refinance.conversely may advantageous bondholder borrower prepay lowcoupon mbs pool bought discount .due fact borrower pays back mortgage par.investor purchases bond ce...