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14% in October 2015. Moodys puts that monthly increase down to seasonal factors such as household overspending in the run up to Christmas, but still believes 2016 will see a higher number of delinquencies than 2015. The housing market has shown signs of cooling over recent months, Moodys assistant vice president analyst Alana Chen said. Strong housing market activity in both Sydney and Melbourne helped foster relatively strong economic performance in the respective states of New South Wales and Victoria in 2015. But a slower pace of house price growth will mean a slowdown in economic activity and will contribute to a deterioration in mortgage performance in 2016 from current exceptionally healthy levels. Moodys predicts the slower growth of house prices will continue as the Australian economy faces some challenges through 2016. Slowing growth in China, Australias biggest export market, and declining commodity prices, which are at or near multi year lows, will also put pressure on the Australian economy and contribute to below trend growth and a soft labour market in 2016, Chen said. But while Moodys predicts a growing number of borrowers are at risk of becoming delinquent, not all are convinced that will be the case. With all respect to Moodys, who have a number of economists working on this sort of thing, I find it difficult to believe were going to see a real rise in the number of delinquencies, Jane Slack Smith, director of Investors Choice Mortgages, told Australian Brokers sister publication, Your Investment Property. Ive been a broker for 10 years and a property investor for a long time too and thats given me a lot of experience in reading the market and I cant really see anything at the moment thats going to cause a rise in delinquencies. Slack Smith believes the period of low interest rates have allowed a large proportion of Australian borrowers to get in position where they a comfortable with their financial commitments, while others have been prevented from getting in over their heads.

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Responsibilities include relating the schools role and its need to higher authority and affiliated institutions; providing guidance and counsel to operating units within the school; assuring that institutional resources are used efficiently and effectively in support of academic programs and assuring that the schools goals are achieved. The Southern Illinois University School of Medicine SIU SOM is committed to provide the public with well trained physicians who possess the traits of high moral character and standards. The purpose of this policy is to help ensure a safe environment for patients, employees, fellow students, visitors and the general public as well as to protect property by conducting criminal background checks on all matriculants. This policy applies to all applicants receiving offers of acceptance from the SIU SOM on the effective date shown on the acceptance letter. Authorization: Illinois law authorizes the SIU SOM Admissions Office to conduct criminal background checks on accepted medical students who plan to matriculate to SIU SOM, based on the expected patient population, which may include children or vulnerable adults. Criminal background information released to the SIU SOM will be used only for purposes of assisting in making acceptance decisions and/or clinical rotations at affiliated hospitals. If a background check identifies issues, which may preclude acceptance, the case will be referred to the Dean with counsel from the Associate Dean for Student Affairs and the General Counsels Office. Application: The supplemental application includes an inquiry about convictions. The supplemental application will be shared with the Admissions Committee. Applicants, who refuse to complete this section or do not answer truthfully and completely, will have their offers of acceptance reviewed. Waiver/Consent: The acceptance letter to the SIU SOM will include a consent form for a Criminal Background Investigation.

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