12/26/2013

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National Suit Russian folk costume for over 150 years since the end of XVIII century to the late 20-ies of XX century, much has changed. This process was continuous: some elements disappear and others appear. Changes have occurred due to internal development, and under the influence of external factors, primarily the European fashion. In the XVIII century, its influence on the folk costume is still insignificant. It is manifested mainly in a festive costume relief: for example, in occasions stopped carrying several coats at the same time, rudd, worn over kokoshniks, were replaced by shawls, oriental silk brocade fabric gave way to the domestic production of fabrics with patterns of Western European type. The inclusion in the national dress clothing elements of the European model started only in 20-30s of the XIX century. When you borrow, in most cases going organic connection of the national Russian and European elements. Often not even possible to separate the traditional costume of a European element. So, for example, can not be considered entirely or wholly European Russian tradition of using women as a headdress tattoos, made of tissue, slaughtered pins, gloves, Wristguards, etc. However, there is a suit and things that are defined by how soon borrowed - is galoshes, hats, umbrellas, muffs, etc., changed Russian suit and under the influence of tra conventionally clothing neighboring peoples: the Norwegians, the Nenets, Aboriginal Siberia, North Caucasus. It included a number of articles of clothing people - sovik, jumper, torbaza, malakhai, chekmen, etc., which was due to natural conditions, unusual for Russian, with new classes for them (commercial fishing, reindeer herding), as well as trade relations between the E nations.
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Mortgage Securities Mortgage-backed securities (MBS), in English literature MBS (mortgage-backed securities), are special cases of ABS (asset-backed securities). ABS are securities that give their owners the right to receive cash flows from a specific pool (Set) of assets. In the case of MBS assets represent contractual rights to mortgage loans secured by real estate collateral. Mortgage loans are repaid monthly (or quarterly) payments. Owners MBS backed by this pool, get a large portion of these payments on some predetermined pattern. In world practice, a wide variety of MBS, which differ in the type of ensuring assets, warranties, risk-sharing, etc. However, there are only two fundamental ways to distribute cash proceeds from asset MBS: 1. Payments are sent to owners of MBS after will be made for retaining administrative and servicing MBS. Such papers are called 'cross-cutting'. They constitute the vast majority of emitted MBS in the world. 2. The whole issue of MBS is divided into several classes. Payments, and risks redistributed between these two classes in accordance with a set of rules to structure and service. Such securities are called structured. Typical examples are structured MBS CMO (collateralized mortgage obligations) and CMBS (Commercial mortgage-backed securities). In Russia, the only statute providing for such tools, today is the Law "On Mortgage Securities 152-FZ of 11 November 2003. The Act provides for securitization of mortgage loans through mortgage-backed bonds and mortgage participation certificates. The most common form of mortgage-backed securities in Russia - a mortgage. The concept of a mortgage as a free traded in the securities market has appeared in federal law in 1998 "On Mortgage".

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