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How subprime lending all started in O.C.

A clear plastic plaque on William Komperda's desk memorializes a 1990 deal that helped launch the made-in-Orange County subprime lending bonanza.

It was the first time his client, Long Beach Savings F.S.B., publicly placed securities backed by subprime mortgages. Long Beach Savings was the father of Ameriquest Mortgage Corp., the Orange-based lender that became the nation's largest originator of subprime loans.

Bankrate Unveils New Retirement Calculators

NEW YORK, Oct. 15 /PRNewswire-FirstCall/ -- Bankrate, Inc. (NASDAQ: RATE) today published a new suite of 15 calculators as part of its recently launched Retirement Channel. Bankrate's calculators have been designed to help consumers evaluate and plan their retirement savings. The new calculators, which are free to consumers, enable users to compute net worth, monthly savings schedule, 401(k) contributions, early withdrawal from retirement accounts, required minimum distributions, retirement income and more. To view the full listing of retirement calculators go to http://www.bankrate.com/brm/calculators/retirement.asp.

"The enhanced calculator offering takes the guess-work out of assessing retirement savings," said Thomas R. Evans, President and CEO of Bankrate, Inc. "Bankrate provides consumers with the tools they need to stay ahead of the retirement planning curve," Mr.

The ultimate penalty

We all have our little moan from time to time, don't we, but when someone has lived through horror like that, it puts things in perspective."

Boothroyd says his players love Bangura - it's not just the commitment with which he plays, it's his attitude to life, his sense of fun, his big smile. They deal with his situation largely by taking the mick, he says. How? "Oh, you know. They say he's not really 19 because he's well beyond his years, and he's 45, a chieftain with loads of kids. It's all in good faith, the ignorance you'd expect from us footballers. Humour gets you through so much, you know."

Bangura made his first-team debut at 17. "When I put him on there were quite a few raised eyebrows," Boothroyd says. "It was against Stoke, to avoid relegation. He came on and was absolutely fantastic.

Corrections, clarifications

A Friday Tulsa World Sports story incorrectly referred to Eddie Sutton's time at Central High School in Tulsa. Sutton was a basketball coach at Central.

A Friday Dow Jones Newswires Business story about the sale of Clear Channel Communications Inc. erroneously reported that the Federal Communications Commission approved the $19.5 billion deal without conditions. According to the FCC order, Clear Channel must transfer control of 48 radio stations to a divestiture trust so that the new owners will comply with FCC ownership limits.

A Wednesday Tulsa World Southside, Westside and Broken Arrow Community World story about two students earning perfect scores on their ACT college entrance exams incorrectly reported the name of the Girl Scouts of the United States of America, in which one of the students participates.