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Reverse Mortgage vs. Cash-out Refinance: Your Complete Guide

Are you confused about choosing the right mortgage? Here is everything you need to know about reverse mortgages & cash-out refinance.

The post Reverse Mortgage vs. Cash-out Refinance: Your Complete Guide appeared first on Lonestar Financing.


Everything You Need to Know About Refinancing Your Mortgage

Your house is a financial asset. If you’re a homeowner, you could be hearing about refinancing from everyone from your neighbors to television anchors. You may utilize your house to leverage your investment by refinancing. Many people choose to refinance for a variety of reasons, including taking cash out of their property, decreasing their monthly […]

The post Everything You Need to Know About Refinancing Your Mortgage appeared first on Lonestar Financing.


30-Year Mortgages: Everything You Need to Know

Speak with the best mortgage lenders in Texas to learn how a 30-year mortgage works. Contact Savant Lonestar today!

The post 30-Year Mortgages: Everything You Need to Know appeared first on Lonestar Financing.


How to Refinance a Reverse Mortgage: The Ultimate Guide

The process of refinancing a reverse mortgage is similar to that of traditional refinance. There are standard eligibility criteria set by mortgage lenders and certain steps to be followed.  In most cases, it helps stabilize the financial situation. However, it has consequences as well. So, understanding the basics of refinancing your Texas reverse mortgage loan […]

The post How to Refinance a Reverse Mortgage: The Ultimate Guide appeared first on Lonestar Financing.


The Underwriting Process: Everything You Need to Know

Do you know that 65% of homeowners in the US have a Mortgage?  Are you planning to take out a home loan in Texas? Many mortgage lenders can help you get approved for a loan. However, one thing sets a lender apart from the rest- underwriting approval. Before applying for a mortgage, you need to […]

The post The Underwriting Process: Everything You Need to Know appeared first on Lonestar Financing.


How Much Money Will You Need to Purchase a Home in 2022?

Are you wondering how much money youall need to come up with in order to buy your dream home? Well, weave come up with the ultimate guide for you! Trying to figure out how much money you’ll need to purchase a house has always been difficult for first-time buyers. But in 2022, it’s become even […]

The post How Much Money Will You Need to Purchase a Home in 2022? appeared first on Lonestar Financing.


In-House Underwriting: Top Criteria & Benefits You Must Know

Are you in the last stages of your home loan application? Now that you’ve gone through the tedious process of rate locking, appraisals, and inspections, you may be wondering what comes next, which brings us to the underwriting process. It may sound frightening at first, but it becomes much less intimidating once you understand what […]

The post In-House Underwriting: Top Criteria & Benefits You Must Know appeared first on Lonestar Financing.


Manual Underwriting Vs. Automated Underwriting: The Complete Guide

The mortgage underwriting process helps mortgage lenders determine if your financial status is solid enough to repay the home loan youare applying for. Because anyone’s financial condition can change, the underwriting process considers whether the property you want to buy is worth enough to repay the loan if the lender has to foreclose. In a […]

The post Manual Underwriting Vs. Automated Underwriting: The Complete Guide appeared first on Lonestar Financing.


VA Home Loan v/s Conventional Home Loan: Choosing the Best Loan Option

When you are planning to buy a home, the type of mortgage you choose is an important decision. But with so many options available, it can be challenging to decide which loan is right for you. Each loan product has its advantages and disadvantages, so it is imperative that you understand the differences between a […]

The post VA Home Loan v/s Conventional Home Loan: Choosing the Best Loan Option appeared first on Lonestar Financing.


Fixed & Adjustable Mortgage Rates: Everything You Need to Know

When youare considering taking out a mortgage loan, you must first determine which loan is best for you. Getting a clear understanding of different mortgage companies, types of mortgages, primarily Fixed Rate Mortgage or Adjustable Rate Mortgage, will help you plan and proceed accordingly. In addition, our experienced mortgage lenders in Texas can help you […]

The post Fixed & Adjustable Mortgage Rates: Everything You Need to Know appeared first on Lonestar Financing.


Internet Banking and Privacy Policies

Privacy policy legislation affects internet banking just as it does any other type of banking establishment. You might want to keep your personal information private. If so, it is good to know how your bank treats privacy policy. A study was done to determine how well different banks, including internet banking companies, dealt with privacy [...]

Books on Internet Banking

There are many intellectual books on internet banking. There seem to be few that the average person can read and understand. With a little investigation at your local bookstore and online, you can find some fairly recent books that have something to say to the average consumer about internet banking. Scams and Swindles: Phishing, Spoofing, [...]

Problems with Internet Banking

Most people who have accounts with traditional banks do some internet banking now. Some are hesitant because of problems they see in the industry. While there are some disadvantages to internet banking, many of the problems start with the consumer. For example, there are still quite a few people who do not use internet banking [...]

Time Management a Itas Not Work That Kills You

Talking of good time management, the first thing that comes to our mind is our professional work or household duties. People say they spend a lot of time in the workplace, hence, do not have time to spend with their family or on themselves. Wrong! The fact is people waste a large amount of time [...]

Phishing And Fraud a What Is It?

Phishing is a very sneaky type of fraud conducted over the Internet. Its name is a throw back to the early days of hacking and identity theft and the practice of phone phreaking. While there can be very complicated schemes devised, they are all based on a very simple concept. Phishers try to persuade you, [...]

Steps To Take If You Are A Victim Of Identity Theft

Identity theft can be one of our worst nightmares, since the stolen identity is always used for illegal purposes. Apart from having your identity stolen from you, you could also become a target of litigation from parties hurt by the actions of the identity thief. So what should you do if you ever become a [...]

How to Prevent Identity Theft

In 1996, Mari Frank lost her identity to an internet hacker when a stranger accessed her credit report online. Ten months later, Frank, of Laguna Niguel, California, had a creditor call him about “her” outstanding debt and it was a lot, a huge lot, including payments for a red convertible that she apparently bought. What [...]

Understanding An Adjustable Rate Mortgage

Among the options you have when choosing a mortgage loan, there are those of a fixed or adjustable interest rate. While the fixed rate is easy to understand – the same interest throughout the life of the loan, it could be a good idea to have a closer look at how an adjustable rate mortgage [...]

Questions From an Identity Theft Victim

Identity theft is a crime in which the imposter obtains key pieces of information such as Social Security and driver’s license numbers to obtain credit, merchandise and services in the name of the victim. The victim is left with a ruined credit history and the time-consuming and complicated task of regaining financial health. The imposter [...]

APR and FEES Credit Cards

Many card providers calculate APR based on several tables. The APR is part of the package when receiving a credit card that you must understand to avoid debt. Nowadays, nearly any company that offers consumers the ability to pay their debts via phone will charge a fee. The fee sometimes starts at $1.50 and reaches [...]

Get a credit card with a low interest rate

Before you choose a credit card it would be wise to first find out the interest rates offered by all the credit card companies and banks. While you compare credit card companies and banks, take note of the ones with low interest rates and offer the best benefits. Don’t miss the fine print as that [...]

What You Need to Know about Identity Theft

When somebody uses your personal information, such as your name, address, phone number, credit card number, social security number and so on, with the intent to fraud or deceive, then they are committing identity theft. Typically, the information is used for financial gain by the thief. It may be to make unauthorized charges on your [...]

A Credit-free Card: What is a prepaid credit card?

In this high-tech era of computers and machines, the purchasing power of people is mostly based on credit. Nowadays, credit cards are almost indispensable in almost any business transaction. For one, nobody can purchase anything online without a credit card. People who have a poor credit history though, will have a hard time getting or [...]

How to Prevent Internet Banking Fraud

Internet banking, like any other business arena, is susceptible to fraud. Phonies abound in every type of business, and this is no different. Yet, there are some ways you can prevent being taken. One kind of fraud is done on fake bank sites. These are look-alike sites that imitate your internet banking website. They sometimes [...]

Capital One Financial Cards

We all need money to live to tell the tale and from time to time when our cash is low, a credit card can come in handy. Credit cards can also come in handy if you are traveling. Since, most people hate to carry cash while traveling they will often use a major credit card. [...]

How to Keep Your Internet Banking Account in the Black

If you keep a large balance in your internet banking account, it may be easy for you to keep it in good standing. However, if you are like many people, you might be running on a tight budget. If so, you will need to be careful about how you handle your account. One of the [...]

Red Alert Credit Cards

Therefore, you think you want a credit card and only know that the cards will provide you credit when you are low on funds. Nowadays, you need to know more that defaults, late fees, APR, annual fees, cash advance, rewards, and so forth to understand credit cards. Recent reports have clearly made known that these [...]

More Than Meets The Eye: What Is A Chase Credit Card?

With so many credit cards dominating the market these days, people can no longer tell the difference between one card to another. It all seems like a wide array of credit cards all committed to provide the consumers with substantial means in cashless shopping. However, there is one credit card that aims to be above [...]

For Reality: What Is A Low Apr Credit Card

Shopping had never been lousy since the advent of credit cards. Since then, people had always been indulging into various cashless shopping due to the convenience of the credit card. However, most people get credit cards only for the sake of shopping. They do not even read the fine print on their credit card and [...]

Asian Countries Worried About Identity Theft

For many people in Singapore and other Asian countries, theft of their identities is the biggest worry they face, according to the latest Security Index. Eighty percent of people who were surveyed in Singapore along are worried about others stealing their identities or using their credit cards without their knowledge. Hong Kong and Malaysia had [...]

Keyword Selected: home

Reverse Mortgage vs. Cash-out Refinance: Your Complete Guide

Are you confused about choosing the right mortgage? Here is everything you need to know about reverse mortgages & cash-out refinance.

The post Reverse Mortgage vs. Cash-out Refinance: Your Complete Guide appeared first on Lonestar Financing.


Everything You Need to Know About Refinancing Your Mortgage

Your house is a financial asset. If you’re a homeowner, you could be hearing about refinancing from everyone from your neighbors to television anchors. You may utilize your house to leverage your investment by refinancing. Many people choose to refinance for a variety of reasons, including taking cash out of their property, decreasing their monthly […]

The post Everything You Need to Know About Refinancing Your Mortgage appeared first on Lonestar Financing.


30-Year Mortgages: Everything You Need to Know

Speak with the best mortgage lenders in Texas to learn how a 30-year mortgage works. Contact Savant Lonestar today!

The post 30-Year Mortgages: Everything You Need to Know appeared first on Lonestar Financing.


How to Refinance a Reverse Mortgage: The Ultimate Guide

The process of refinancing a reverse mortgage is similar to that of traditional refinance. There are standard eligibility criteria set by mortgage lenders and certain steps to be followed.  In most cases, it helps stabilize the financial situation. However, it has consequences as well. So, understanding the basics of refinancing your Texas reverse mortgage loan […]

The post How to Refinance a Reverse Mortgage: The Ultimate Guide appeared first on Lonestar Financing.


The Underwriting Process: Everything You Need to Know

Do you know that 65% of homeowners in the US have a Mortgage?  Are you planning to take out a home loan in Texas? Many mortgage lenders can help you get approved for a loan. However, one thing sets a lender apart from the rest- underwriting approval. Before applying for a mortgage, you need to […]

The post The Underwriting Process: Everything You Need to Know appeared first on Lonestar Financing.


How Much Money Will You Need to Purchase a Home in 2022?

Are you wondering how much money youall need to come up with in order to buy your dream home? Well, weave come up with the ultimate guide for you! Trying to figure out how much money you’ll need to purchase a house has always been difficult for first-time buyers. But in 2022, it’s become even […]

The post How Much Money Will You Need to Purchase a Home in 2022? appeared first on Lonestar Financing.


In-House Underwriting: Top Criteria & Benefits You Must Know

Are you in the last stages of your home loan application? Now that you’ve gone through the tedious process of rate locking, appraisals, and inspections, you may be wondering what comes next, which brings us to the underwriting process. It may sound frightening at first, but it becomes much less intimidating once you understand what […]

The post In-House Underwriting: Top Criteria & Benefits You Must Know appeared first on Lonestar Financing.


Manual Underwriting Vs. Automated Underwriting: The Complete Guide

The mortgage underwriting process helps mortgage lenders determine if your financial status is solid enough to repay the home loan youare applying for. Because anyone’s financial condition can change, the underwriting process considers whether the property you want to buy is worth enough to repay the loan if the lender has to foreclose. In a […]

The post Manual Underwriting Vs. Automated Underwriting: The Complete Guide appeared first on Lonestar Financing.


VA Home Loan v/s Conventional Home Loan: Choosing the Best Loan Option

When you are planning to buy a home, the type of mortgage you choose is an important decision. But with so many options available, it can be challenging to decide which loan is right for you. Each loan product has its advantages and disadvantages, so it is imperative that you understand the differences between a […]

The post VA Home Loan v/s Conventional Home Loan: Choosing the Best Loan Option appeared first on Lonestar Financing.


Fixed & Adjustable Mortgage Rates: Everything You Need to Know

When youare considering taking out a mortgage loan, you must first determine which loan is best for you. Getting a clear understanding of different mortgage companies, types of mortgages, primarily Fixed Rate Mortgage or Adjustable Rate Mortgage, will help you plan and proceed accordingly. In addition, our experienced mortgage lenders in Texas can help you […]

The post Fixed & Adjustable Mortgage Rates: Everything You Need to Know appeared first on Lonestar Financing.


Marijuana entrepreneur sells Lloyd Wright's neo-Mayan masterpiece for $6.16 million

CBD entrepreneur Dan Goldfarb has hauled in $6.16 million for the John Sowden House, a striking neo-Mayan-style home built by Lloyd Wright in Los Feliz.


Southern California housing prices will fall, some experts say. The question is how much

Rising mortgage rates are slowing the housing market, prompting some analysts to say home prices will decline.


Inside Frank Gehry's latest Los Angeles mega-project

Architect Frank Gehry's latest project opens in downtown Los Angeles.


R.E.M.'s Mike Mills seeks $6.5 million for home overlooking the Hollywood Bowl

R.E.M. bassist Mike Mills is asking $6.5 million for his hillside home, which is only one of two properties that directly overlook the Hollywood Bowl.


Hearst heiress sells Lautner's famous Wolff House to Louis Vuitton's director for $11 million

In an off-market deal, Louis Vuitton creative director Nicolas GhesquiA"re has paid $11 million for John Lautner's iconic Wolff House.


Drake's party compound, the 'Yolo Estate,' sells for $12 million

Drake has hauled in $12 million for the 'Yolo Estate,' a Hidden Hills ranch that the rapper transformed into a party compound over the last decade.


'How I Met Your Mother' star Alyson Hannigan asks $18 million for Encino compound

Actress Alyson Hannigan and her husband, actor Alexis Denisof, are asking $18 million for their prized architectural estate in Encino.


Beverly Hills' historic Saks Fifth Avenue complex set for development into offices and apartments

Saks Fifth Avenue, one of Beverly Hills' most famous department stores, is set to move to make way for a mixed-use complex that could energize a sedate stretch of Wilshire Boulevard near Rodeo Drive.


They didn't get their security deposits back. Now a big L.A. landlord agrees to pay $12.5 million

The firm owned by controversial developer Geoffrey Palmer has agreed to repay security deposits to 19,000 tenants in a class-action lawsuit settlement.


Finneas O'Connell sells a coastal cottage in Malibu for $5.66 million

Grammy winner Finneas O'Connell just sold his Malibu beach house for $5.66 million, $160,000 more than he was asking.


Wiz Khalifa wants $4.5 million for modern Encino home

Wiz Khalifa is shopping around his Encino home of three years for $4.5 million after updating some spaces and adding a basketball court out back.


L.A. needs 90,000 trees to battle extreme heat. Will residents step up to plant them?

L.A. City is relying on a network of neighborhood tree ambassadors and nonprofits to boost tree canopy in underserved neighborhoods. Will it work?


The feud over Bill Gross' lawn sculpture has come to an end. There were no winners

The battle between the billionaire bond king and his neighbors started over lawn decor and devolved into psychological warfare. It ended in mutual defeat.


Affordable housing in California now routinely tops $1 million per apartment to build

At least seven low-income housing developments funded by the state have eclipsed more than $1 million per apartment to build in the last two years.


Architect to the stars Richard Landry sells his own Brentwood home for $19.5 million

In an off-market deal, prolific architect Richard Landry has sold his own custom-built home in Brentwood for $19.5 million.


Ernst Lubitsch's Bel-Air estate, an Old Hollywood time capsule, asks $20 million

For the first time in 60 years, the Bel-Air home built for famed director Ernst Lubitsch has hit the market for $20 million.


Help is now available for more Californians who are behind on their mortgages

The state expanded its mortgage relief program to cover people who have missed payments in 2022, as well as homeowners with incomes up to 150% of their county's median income level.


Lee Iacocca's longtime Bel-Air estate sells for $27.7 million

In Bel-Air, 'Shahs of Sunset' star Lilly Ghalichi has sold the longtime home of late auto titan Lee Iacocca for $27.7 million.


A 20-story tower. A liquor box with $100 bills. The first trial in the Huizar case begins

Lawyers delivered opening statements Tuesday in the case against Dae Yong Lee, a developer accused of paying a $500,000 bribe.


Keyword Selected: loan

Reverse Mortgage vs. Cash-out Refinance: Your Complete Guide

Are you confused about choosing the right mortgage? Here is everything you need to know about reverse mortgages & cash-out refinance.

The post Reverse Mortgage vs. Cash-out Refinance: Your Complete Guide appeared first on Lonestar Financing.


Everything You Need to Know About Refinancing Your Mortgage

Your house is a financial asset. If you’re a homeowner, you could be hearing about refinancing from everyone from your neighbors to television anchors. You may utilize your house to leverage your investment by refinancing. Many people choose to refinance for a variety of reasons, including taking cash out of their property, decreasing their monthly […]

The post Everything You Need to Know About Refinancing Your Mortgage appeared first on Lonestar Financing.


30-Year Mortgages: Everything You Need to Know

Speak with the best mortgage lenders in Texas to learn how a 30-year mortgage works. Contact Savant Lonestar today!

The post 30-Year Mortgages: Everything You Need to Know appeared first on Lonestar Financing.


How to Refinance a Reverse Mortgage: The Ultimate Guide

The process of refinancing a reverse mortgage is similar to that of traditional refinance. There are standard eligibility criteria set by mortgage lenders and certain steps to be followed.  In most cases, it helps stabilize the financial situation. However, it has consequences as well. So, understanding the basics of refinancing your Texas reverse mortgage loan […]

The post How to Refinance a Reverse Mortgage: The Ultimate Guide appeared first on Lonestar Financing.


The Underwriting Process: Everything You Need to Know

Do you know that 65% of homeowners in the US have a Mortgage?  Are you planning to take out a home loan in Texas? Many mortgage lenders can help you get approved for a loan. However, one thing sets a lender apart from the rest- underwriting approval. Before applying for a mortgage, you need to […]

The post The Underwriting Process: Everything You Need to Know appeared first on Lonestar Financing.


How Much Money Will You Need to Purchase a Home in 2022?

Are you wondering how much money youall need to come up with in order to buy your dream home? Well, weave come up with the ultimate guide for you! Trying to figure out how much money you’ll need to purchase a house has always been difficult for first-time buyers. But in 2022, it’s become even […]

The post How Much Money Will You Need to Purchase a Home in 2022? appeared first on Lonestar Financing.


In-House Underwriting: Top Criteria & Benefits You Must Know

Are you in the last stages of your home loan application? Now that you’ve gone through the tedious process of rate locking, appraisals, and inspections, you may be wondering what comes next, which brings us to the underwriting process. It may sound frightening at first, but it becomes much less intimidating once you understand what […]

The post In-House Underwriting: Top Criteria & Benefits You Must Know appeared first on Lonestar Financing.


Manual Underwriting Vs. Automated Underwriting: The Complete Guide

The mortgage underwriting process helps mortgage lenders determine if your financial status is solid enough to repay the home loan youare applying for. Because anyone’s financial condition can change, the underwriting process considers whether the property you want to buy is worth enough to repay the loan if the lender has to foreclose. In a […]

The post Manual Underwriting Vs. Automated Underwriting: The Complete Guide appeared first on Lonestar Financing.


VA Home Loan v/s Conventional Home Loan: Choosing the Best Loan Option

When you are planning to buy a home, the type of mortgage you choose is an important decision. But with so many options available, it can be challenging to decide which loan is right for you. Each loan product has its advantages and disadvantages, so it is imperative that you understand the differences between a […]

The post VA Home Loan v/s Conventional Home Loan: Choosing the Best Loan Option appeared first on Lonestar Financing.


Fixed & Adjustable Mortgage Rates: Everything You Need to Know

When youare considering taking out a mortgage loan, you must first determine which loan is best for you. Getting a clear understanding of different mortgage companies, types of mortgages, primarily Fixed Rate Mortgage or Adjustable Rate Mortgage, will help you plan and proceed accordingly. In addition, our experienced mortgage lenders in Texas can help you […]

The post Fixed & Adjustable Mortgage Rates: Everything You Need to Know appeared first on Lonestar Financing.


Mitt Romney says a return of Donald Trump would feed the nation's 'sickness, probably rendering it incurable'

Romney in an essay for The Atlantic called President Joe Biden "a genuinely good man" who hasn't broken through "our national malady."

National teachers union president says 'radicalized Supreme Court' delivered a 'gut punch' against abortion rights, separation of church and state

The National Education Association's president vowed to "say gay" and fight for "the right to choose." First Lady Jill Biden is an NEA member.

Trump lives in 'alternative reality' and truly believes his election-fraud claims, says UK film-maker with him around Jan. 6

Alex Holder revealed new details about Donald Trump's state of mind in the months culminating in the Capitol riot.

Orlando apologizes after sending Fourth of July message saying it 'can't blame' people who don't want to celebrate America right now

The city of Orlando had written in an email: "Yes, America is in strife right now, but you know what...we already bought the fireworks."

Turkey detains Russian ship Ukraine says is full of stolen grain in part of Putin's plan to use starvation as a weapon

The 7,000 tons of grain aboard the Zhibek Zholy, detained off a Turkish port, is stolen from Russia-occupied Ukraine, Ukrainian officials said.

Security checks for airport bag handlers and maintenance crews in the UK are being fast-tracked in a bid to tackle travel chaos

The UK government says it has introduced a range of measures to help process security checks as quickly as possible.

Jan. 6 committee member asks why the DOJ hasn't subpoenaed star witness Cassidy Hutchinson

Rep. Zoe Lofgren, a Democrat, was responding to a report on a rift between the Justice department and committee.

Oklahoma spent millions on a legal and PR campaign to paint reservations as 'lawless dystopias' and convince the Supreme Court to weaken tribal sovereignty, experts say

Justice Neil Gorsuch and native law experts said Oklahoma's plan worked after the recent Supreme Court decision rolled back tribal sovereignty.

COO of budget airline EasyJet quits after weeks of flight cancellations and travel disruptions

Staff in airports and airlines have created travel chaos in airports around the world. EasyJet has been one of the worst-affected airlines.

Jan. 6 live updates: New witnesses have been coming forward to the panel since Cassidy Hutchinson's damning testimony, Kinzinger says

The House select committee is investigating the Capitol riot and the role Donald Trump and his allies played in trying to overturn the 2020 election.

All the best 4th of July deals you can shop right now

We rounded up all the best 4th of July sales and deals available across the internet on mattresses, outdoor gear, and fashion.

Expect a 'procession of recessions' across many of the world's major economies within the next year, Nomura says

There are "increasing signs that the world economy is entering a synchronized growth slowdown," analysts at Nomura wrote in a research note.

I took a Finnair flight from London to Helsinki on an Airbus A350. I liked the themed decor and free blueberry juice, but found some features a bit basic.

The flight was enjoyable but the onboard Wi-Fi didn't work for me and I was surprised by the lack of amenities.

An Emirates Airbus A380 flew for nearly 14 hours with a large hole in its side after a tire ruptured and damaged its exterior

Passengers reported hearing a large bang about 45 minutes after the jet departed Dubai for Brisbane on Friday, according to The Courier Mail.

You need to be a millionaire to be 'financially comfortable' in these five major US cities, new survey says

From $671K in Denver to $1.7M in San Francisco, here's the average net worth residents say you need to be financially comfortable in their city.

'I'm thankful I was part of it': the Tesla workers who still believe in Elon Musk's vision despite being sacked

Adam Ryding, who joined Tesla in 2016, says some of his sacked colleagues might be "mad or frustrated, but I'm not. I'm thankful I was part of it."

From Rep. Marjorie Taylor Greene to Sen. Tommy Tuberville, meet the Republican lawmakers heavily invested in companies that will pay for employees to get out-of-state abortions

Some anti-abortion groups are calling on Republican members of Congress to divest of their stock in companies that support abortion rights.

Meet Washington's 'Crypto Queen,' a Republican senator who owns $100,000 in bitcoin and wrote a bill to finally regulate the industry

Sen. Cynthia Lummis owns bitcoin, understands crypto, and has the power to police it, a rare combination in an aging Congress and new technology.

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