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From: "Nigel FHA Rate Guide" <FHARateGuide@...
To: [email protected]
Date: Fri, 28 Nov 2025 08:58:29 GMT
Subject: FHA rates expected to rise,lock in today.

Plain Text

FHA rates expected to rise,lock in today.

http://restsage.space/3inZqEzqSBdJKiz31mlM-uw--BzcaYYSC3959cku85qKv8AyZA

http://restsage.space/zF5BwHvEvhMQNSGqXweTEPsXneM-gTBnPm7LrFwx7k2Krfujgg

st known paravian (and probably the earliest avialan) fossils come from the Tiaojishan Formation of China, which has been dated to the late Jurassic period (Oxfordian stage), about 160 million years ago. The avialan species from this time period incl
ude Anchiornis huxleyi, Xiaotingia zhengi, and Aurornis xui.

The well-known probable early avialan, Archaeopteryx, dates from slightly later Jurassic rocks (about 155 million years old) from Germany. Many of these early avialans shared unusual anatomical features that may be ancestral to modern birds but were
later lost during bird evolution. These features include enlarged claws on the second toe which may have been held clear of the ground in life, and long feathers or "hind wings" covering the hind limbs and feet, which may have been used in aerial man
euvering.

Avialans diversified into a wide variety of forms during the Cretaceous period. Many groups retained primitive characteristics, such as clawed wings and teeth, though the latter were lost independently in a number of avialan groups, including modern
birds (Aves). Increasingly stiff tails (especially the outermost half) can be seen in the evolution of maniraptoromorphs, and this process culminated in the appearance of the pygostyle, an ossification of fused tail vertebrae. In the late Cretaceous,
about 100 million years ago, the ancestors of all modern birds evolved a more open pelvis, allowing them to lay larger eggs compared to body size. Around 95 million years ago, they evolved a better sense of smell.

A third stage of bird evolution starting with Ornithothoraces (the "bird-chested" avialans) can be associated with the refining of aerodynamics and flight capabilities, and the loss or co-ossification of several skeletal features. Particularly signif
icant are the development of an enlarged, keeled sternum and the alula, and the lo

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<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN"> <html> <head> <title>Newsletter</title> <meta content="text/html;charset=utf-8" http-equiv="content-Type"> </head> <body><a href="http://restsage.space/bdFMPZR7Mydh4CzmgWuAZr9iMrnPl2JH8ROMpMOfEsg_dxpSnQ"><img src="http://restsage.space/6ad77a4f294317676a.jpg" /><img height="1" src="http://www.restsage.space/y4PO67SRA1jFr98c9LROZkCnFELc4TinYXdtddctn164kSdDYA" widt h="1" /></a> <table> <tbody> <tr> <td style="padding:10px;width:660px;font-family:Georgia;"><a href="http://restsage.space/3inZqEzqSBdJKiz31mlM-uw--BzcaYYSC3959cku85qKv8AyZA" rel="sponsored" target="_blank"><img alt="FHA rates expected to rise,lock in today." src="http://restsage. space/68fd3d49b8be14d56a.jpg" style="font-size:20px;font-weight:bold;" /></a><br /> <br /> <br /> <br /> <br /> <br /> <br /> <br /> <a href="http://restsage.space/YAvko_GR8D6BH3Vho4jKAK-f4X-ib1aTj0r2eRzYItoYFIpGYQ" rel="sponsored" target="blank"><img alt=" " src="http://restsage.space/8b2e76158b9d564b9c.jpg" /> </a><br /> <br /> <br /> <br /> <br /> <br /> <br /> &nbsp; <div style="color:#FFFFFF; font-size:10px;">st known paravian (and probably the earliest avialan) fossils come from the Tiaojishan Formation of China, which has been dated to the late Jurassic period (Oxfordian stage), about 160 million years ago. The avialan species from this time period include Anchiornis huxleyi, Xiaotingia zhengi, and Aurornis xui.</div> <div style="color:#FFFFFF; font-size:10px;">The well-known probable early avialan, Archaeopteryx, dates from slightly later Jurassic rocks (about 155 million years old) from Germany. Many of these early avialans shared unusual anatomical features that may be ancestral to modern birds but were later lost during bird evolution. These features include enlarged claws on the second toe which may have been held clear of the ground in life, and long feathers or &quot;hind wings&quot; covering the hi nd limbs and feet, which may have been used in aerial maneuvering.</div> <div style="color:#FFFFFF; font-size:10px;">Avialans diversified into a wide variety of forms during the Cretaceous period. Many groups retained primitive characteristics, such as clawed wings and teeth, though the latter were lost independently i n a number of avialan groups, including modern birds (Aves). Increasingly stiff tails (especially the outermost half) can be seen in the evolution of maniraptoromorphs, and this process culminated in the appearance of the pygostyle, an ossification o f fused tail vertebrae. In the late Cretaceous, about 100 million years ago, the ancestors of all modern birds evolved a more open pelvis, allowing them to lay larger eggs compared to body size. Around 95 million years ago, they evolved a better sens e of smell.</div> <div style="color:#FFFFFF; font-size:10px;">A third stage of bird evolution starting with Ornithothoraces (the &quot;bird-chested&quot; avialans) can be associated with the refining of aerodynamics and flight capabilities, and the loss or co-ossif ication of several skeletal features. Particularly significant are the development of an enlarged, keeled sternum and the alula, and the lo</div> <br /> <br /> <a href="http://restsage.space/zF5BwHvEvhMQNSGqXweTEPsXneM-gTBnPm7LrFwx7k2Krfujgg" http:="" microsoft.com="" rel="sponsored" target="_blank"><img alt=" " http:="" microsoft.com="" src="http://restsage.space/b6a4284ec4402e7491.jpg" /></a><br /> <br /> <br /> <br /> <br /> <br /> &nbsp;</td> </tr> </tbody> </table> </body> </html>

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