Personal assistant for your emails streamlines your life

IT'S one of the luxuries of the corporate elite: a personal assistant who takes your overflowing inbox and turns it into a simple to-do list. Many people would love such help, if only they could afford it. But what if the cost was less than $2 a day? That's the idea behind software that uses crowdsourced workers to manage email overload.

GmailValet, developed by Nicolas Kokkalis and colleagues at Stanford University in California, works by connecting a Gmail account with oDesk, a crowd-labour web platform that draws upon a relatively skilled workforce. Users can deal with privacy fears by deploying filters that limit the access given to oDesk workers. All emails from family members can be excluded from the system, for example.

Once the workers are in, they examine new emails and, if appropriate, extract a task from the message, which appears in a to-do list that sits alongside the inbox on the GmailValet website, such as reminding the user to respond to a meeting request, for example. Users are encouraged to provide feedback on the tasks, so that the assistants can better understand their needs.

In initial tests, the assistants were paid the California minimum wage of $8 per hour. The researchers suggest that a single assistant could monitor dozens of inboxes simultaneously, though. If that proves to be the case, the service could end up costing each user as little as $1.80 per day.

The tests also revealed that users benefited from the to-do lists: the task-completion rate for those who worked with assistants was nearly 60 per cent, compared with less than 30 per cent for control participants, who had to create their own task lists. One user described the appearance of the tasks as "like magic".

"This is an important step forward in enabling the crowd to work on private and sensitive information," says Aniket Kittur, a computer scientist at Carnegie Mellon University in Pittsburgh, Pennsylvania. "It opens the door for the crowd helping us with our personal lives in ways we wouldn't have imagined even a few years ago."

The work will be presented next month at the Computer Supported Cooperative Work and Social Computing conference in San Antonio, Texas. The system is available to try out for free at gmailvalet.com.

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China notes S Korean frustration with Pyongyang policy

SEOUL: A top Chinese envoy acknowledged on Friday South Korea's "dissatisfaction" with China's policy towards North Korea, but asked for Seoul's understanding over Beijing's reluctance to punish Pyongyang.

Chinese Vice Foreign Minister Zhang Zhijun also suggested that China and South Korea should stand side by side in pushing Japan to face up to its aggressive militaristic past.

Zhang was wrapping up a three-day visit to Seoul as the envoy of China's next leader Xi Jinping that included talks with South Korean president-elect Park Geun-Hye.

During their meeting on Thursday, Park had stressed the need for South Korea and China to send a "clear and consistent" message to North Korea to abide by its international responsibilities.

Seoul is known to be frustrated with China's reluctance to approve expanded UN sanctions against Pyongyang for its long-range rocket launch last month, which most of the world saw as a disguised ballistic missile test.

"I understand some South Korean friends are dissatisfied with China's policy toward the North, but I ask them to understand China's difficulties as well," Zhang said Friday.

China is North Korea's sole major ally and has repeatedly argued that pushing Pyongyang into a corner could provoke a reaction that would seriously destabilise the Korean peninsula and the wider region.

"The greatest tragedy of the North and the South was the fratricidal conflict," Zhang said, referring to the 1950-53 Korean War.

"All the measures China has been taking so far have been aimed at preventing such a tragedy happening again," he told a breakfast meeting of businessmen and journalists.

"The chronic disease with regard to issues of the Korean Peninsula is a lack of trust," he added.

Separately, Zhang urged Japan to avoid any rightward, nationalist shift under the new premiership of the hawkish new Prime Minister Shinzo Abe.

"If Japan walks a dangerous path, it will significantly hurt cooperation among China, Korea and Japan," Zhang said.

Beijing and Seoul are involved in separate territorial disputes with Tokyo and both have long criticised Japan for failing to show enough contrition for the abuses of its military expansionist past.

"If Japan continues denying history and turning a blind eye to history, it will not be able to act with moral authority in the international community," Zhang said.

"Korea and China should stand up on this issue of history and express their positions," he added.

There is still widespread public resentment in South Korea over Japan's 1910-45 colonial rule and the plight of Korean women who were forced to serve as sex slaves for Japanese soldiers.

- AFP/xq

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Beheading exposes exploitation

(File photo) Sri Lankan women protest outside the Saudi Arabia embassy in Colombo on November 9, 2010.

STORY HIGHLIGHTS

• Saudi authorities beheaded Rizana Nafeek, a Sri Lankan woman


• She was convicted of killing a baby of the family employing her as a housemaid


• This was despite Nafeek's claims that the baby died in a choking accident


• Becker says her fate "should spotlight the precarious existence of domestic workers"

Jo Becker is the Children's Rights Advocacy Director for Human Rights Watch and author of 'Campaigning for Justice: Human Rights Advocacy in Practice.' Follow Jo Becker on Twitter.

(CNN) -- Rizana Nafeek was a child herself -- 17 years old, according to her birth certificate -- when a four-month-old baby died in her care in Saudi Arabia. She had migrated from Sri Lanka only weeks earlier to be a domestic worker for a Saudi family.

Although Rizana said the baby died in a choking accident, Saudi courts convicted her of murder and sentenced her to death. On Wednesday, the Saudi government carried out the sentence in a gruesome fashion, by beheading Rizana.

Jo Becker

Read more: Outrage over beheading of Sri Lankan woman by Saudi Arabia

Rizana's case was rife with problems from the beginning. A recruitment agency in Sri Lanka knew she was legally too young to migrate, but she had falsified papers to say she was 23. After the baby died, Rizana gave a confession that she said was made under duress -- she later retracted it. She had no lawyer to defend her until after she was sentenced to death and no competent interpreter during her trial. Her sentence violated international law, which prohibits the death penalty for crimes committed before age 18.

Rizana's fate should arouse international outrage. But it should also spotlight the precarious existence of other domestic workers. At least 1.5 million work in Saudi Arabia alone and more than 50 million -- mainly women and girls -- are employed worldwide according to the International Labour Organization (ILO).

Read more: Indonesian maid escapes execution in Saudi Arabia

Again according to the ILO, the number of domestic workers worldwide has grown by more than 50% since the mid-1990s. Many, like Rizana, seek employment in foreign countries where they may be unfamiliar with the language and legal system and have few rights.

When Rizana traveled to Saudi Arabia, for example, she may not have known that many Saudi employers confiscate domestic workers' passports and confine them inside their home, cutting them off from the outside world and sources of help.

It is unlikely that anyone ever told her about Saudi Arabia's flawed criminal justice system or that while many domestic workers find kind employers who treat them well, others are forced to work for months or even years without pay and subjected to physical or sexual abuse.

Passport photo of Rizana Nafeek

Read more: Saudi woman beheaded for 'witchcraft and sorcery'

Conditions for migrant domestic workers in Saudi Arabia are among some of the worst, but domestic workers in other countries rarely enjoy the same rights as other workers. In a new report this week, the International Labour Organization says that nearly 30% of the world's domestic workers are completely excluded from national labor laws. They typically earn only 40% of the average wage of other workers. Forty-five percent aren't even entitled by law to a weekly day off.

Last year, I interviewed young girls in Morocco who worked 12 hours a day, 7 days a week for a fraction of the minimum wage. One girl began working at age 12 and told me: "I don't mind working, but to be beaten and not to have enough food, this is the hardest part."

Many governments have finally begun to recognize the risks and exploitation domestic workers face. During 2012, dozens of countries took action to strengthen protections for domestic workers. Thailand, and Singapore approved measures to give domestic workers a weekly day off, while Venezuela and the Philippines adopted broad laws for domestic workers ensuring a minimum wage, paid holidays, and limits to their working hours. Brazil is amending its constitution to state that domestic workers have all the same rights as other workers. Bahrain codified access to mediation of labor disputes.

Read more: Convicted killer beheaded, put on display in Saudi Arabia

Perhaps most significantly, eight countries acted in 2012 to ratify -- and therefore be legally bound by -- the Domestic Workers Convention, with more poised to follow suit this year. The convention is a groundbreaking treaty adopted in 2011 to guarantee domestic workers the same protections available to other workers, including weekly days off, effective complaints procedures and protection from violence.

The Convention also has specific protections for domestic workers under the age of 18 and provisions for regulating and monitoring recruitment agencies. All governments should ratify the convention.

Many reforms are needed to prevent another tragic case like that of Rizana Nafeek. The obvious one is for Saudi Arabia to stop its use of the death penalty and end its outlier status as one of only three countries worldwide to execute people for crimes committed while a child.

Labor reforms are also critically important. They may have prevented the recruitment of a 17 year old for migration abroad in the first place. And they can protect millions of other domestic workers who labor with precariously few guarantees for their safety and rights.

Read more: Malala, others on front lines in fight for women

The opinions expressed in this commentary are solely those of Jo Becker.

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Sheriff: High school gunman felt he'd been bullied

TAFT, Calif. Authorities say a teen who fired on classmates and critically wounded one at a rural California high school had planned the attack and targeted students he felt had bullied him for more than a year.

Kern County sheriff Donny Youngblood said at a news conference Thursday night that the 16-year-old used a shotgun that belonged to his brother and went to bed Wednesday night with a plan to shoot two fellow students.

"He believed that the two people he targeted had bullied him, in his mind. Whether that occurred or not, we don't know yet," Youngblood said.

Youngblood added that the suspect came to Taft Union High School with ammunition stuffed in his pockets.

According to Youngblood, surveillance video shows the teen trying to conceal the gun as he nervously enters the building through a side entrance after school had started Thursday morning.

The boy went into a classroom, shot one student, then fired on but missed others before a teacher and another staff member talked him into surrendering, Youngblood told reporters.

Morgan Allredge, 16, calmly described what happened to CBS Los Angeles station KCBS. To see the interview, click on the video at left.

The wounded student was flown to a hospital in Bakersfield and was listed in stable but critical condition. He is also 16, reports CBS Bakersfield, Calif. affiliate KBAK-TV.

When the shots were fired, teacher Ryan Heber tried to get the 28 students out a back door and engaged the shooter in conversation to distract him, Youngblood said.

Some students got out the back door, while some barricaded themselves in a classroom storage closet, KBAK says.

A third and final shotgun blast was directed to the windows of the classroom, KBAK reports.

Campus supervisor Kim Lee Fields responded to a call of shots fired and also began talking to the teen.

"(Heber and Fields) talked him into putting that shotgun down. He in fact told the teacher, "I don't want to shoot you,' and named the person that he wanted to shoot," Youngblood said.

"The heroics of these two people goes without saying. ... They could have just as easily ... (have) tried to get out of the classroom and left students, and they didn't," the sheriff said. "They knew not to let him leave the classroom with that shotgun."

The shooter didn't show up for first period, then interrupted the class.

Youngblood did not release the student's disciplinary record, saying he didn't have it.

The Sheriff's Department did not release the boy's name because he was a juvenile and had yet to be charged.

But many students and community members said they knew the boy and said he was often teased, including Alex Patterson, 18, who went to Taft with the suspect before graduating last year.

"He comes off as the kind of kid who would do something like this," Patterson said. "He talked about it a lot, but nobody thought he would."

Trish Montes, who lived next door to the suspect, said he was "a short guy" and "small" who was teased about his stature by many, including the victim.

"Maybe people will learn not to bully people," Montes said. "I hate to be crappy about it, but that kid was bullying him."

Montes said her son had worked at the school and tutored the boy last year, sometimes walking with him between classes because he felt sorry for him.

"All I ever heard about him was good things from my son," Montes said. "He wasn't Mr. Popularity, but he was a smart kid. It's a shame. My kid said he was like a genius. It's a shame because he could have made something of himself."

Officials said a female student was hospitalized with possible hearing damage because the shotgun was fired close to her ear, and another girl suffered minor injuries during the scramble to flee when she fell over a table.

Officials said there's usually an armed officer on campus, but the person wasn't there because he was snowed in. Taft police officers arrived within 60 seconds of first reports.

The alleged shooter apparently lives close to the school, and neighbors saw him carrying the gun into school and called 911, KBAK says.

Wilhelmina Reum, whose daughter Alexis Singleton is a fourth-grader at a nearby elementary school, got word of the attack while she was about 35 miles away in Bakersfield and immediately sped back to Taft.

"I just kept thinking this can't be happening in my little town," she told The Associated Press.

"I was afraid I was going to get hurt," Alexis said. "I just wanted my mom to get here so I could go home."

Taft is a community of fewer than 10,000 people amid oil and natural gas production fields about 120 miles northwest of Los Angeles.

About 900 students are enrolled at the high school, which includes ninth through 12th grades.

The attack there came less than a month after a gunman massacred 20 children and six women at Sandy Hook Elementary School in Newtown, Conn., then killed himself.

That shooting prompted President Obama to promise new efforts to curb gun violence. Vice President Biden, who was placed in charge of the initiative, said he would deliver new policy proposals to the president by next week.

Sen. Dianne Feinstein, D-Calif., said in a statement that her father had attended Taft Union and she has visited the school over the years.

"At this moment my thoughts and prayers are with the victims, and I wish them a speedy recovery," Feinstein said. "But how many more shootings must there be in America before we come to the realization that guns and grievances do not belong together?"

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Judge: Holmes Can Face Trial for Aurora Shooting

Jan 10, 2013 8:45pm

(Arapahoe County Sheriff/AP Photo)

In a ruling that comes as little surprise, the judge overseeing the Aurora, Colo., theater massacre has ordered that there is enough evidence against James Holmes to proceed to a trial.

In an order posted late Thursday, Judge William Sylvester wrote that “the People have carried their burden of proof and have established that there is probable cause to believe that Defendant committed the crimes charged.”

The ruling came after a three-day preliminary hearing this week that revealed new details about how Holmes allegedly planned for and carried out the movie theater shooting, including how investigators say he amassed an arsenal of guns and ammunition, how he booby-trapped his apartment to explode, and his bizarre behavior after his arrest.

PHOTOS: Colorado ‘Dark Knight Rises’ Theater Shooting

Holmes is charged with 166 counts, including murder, attempted murder and other charges related to the July 20 shooting that left 12 people dead and 58 wounded by gunfire. An additional 12 people suffered non-gunshot injuries.

One of the next legal steps is an arraignment, at which Holmes will enter a plea. The arraignment was originally expected to take place Friday morning.

Judge Sylvester indicated through a court spokesman that he would allow television and still cameras into the courtroom, providing the outside world the first images of Holmes since a July 23 hearing. Plans for cameras in court, however, were put on hold Thursday afternoon.

“The defense has notified the district attorney that it is not prepared to proceed to arraignment in this case by Friday,” wrote public defenders Daniel King, Tamara Brady and Kristen Nelson Thursday afternoon in a document objecting to cameras in court.

A hearing in the case will still take place Friday morning. In his order, Judge Sylvester said it should technically be considered an arraignment, but noted the defense has requested a continuance.  Legal experts expect the judge will grant the continuance, delaying the arraignment and keeping cameras out of court for now.

Sylvester also ordered that Holmes be held without bail.

Holmes’ attorneys have said in court that the former University of Colorado neuroscience student is mentally ill. The district attorney overseeing the case has not yet announced whether Holmes, now 25, can face the death penalty.

SHOWS: World News

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Smartphones make identifying endangered animals easy

Everyday mobile tech takes the legwork out of tracking hard-to-find animals, and makes life easier for field biologists

FIELD biology is notoriously laborious. In one famous 1982 study, Smithsonian entomologist Terry Erwin counted by hand the number of insect species in one hectare of forest canopy in Panama. By extrapolation Erwin estimated the total biodiversity of Earth's insects. What if your smartphone could take some of the strain?

Harvard biologist and computer scientist Walter Scheirer has devised a machine vision system that automatically recognises and counts specific animals and runs on a Motorola Droid X2 smartphone. This will help biologists make quicker, more accurate judgements about the health of delicate ecosystems.

Two years ago, Edwards Air Force Base in the Mojave desert, California, put out a call for a cheap way to monitor the animals that live there. The area is one of the last refuges for the endangered desert tortoises as well as the threatened Mojave ground squirrels (see map). Keeping an eye on the health of the animal population in such a remote location is time-consuming and expensive. So Scheirer developed detection and classification algorithms capable of identifying tortoises and squirrels with nothing more than a standard smartphone.

Automated camera traps already exist, but they are not selective enough. "Right now, we have to manually go through every photo to identify species and separate photos of interest from false photos. It's a very laborious task," says Princeton conservation biologist Siva Sundaresan, who works with Grévy's zebras in Kenya. He says Scheirer's method is potentially very useful to biologists.

But how does a phone tell the difference between a squirrel and a rock or a tumbleweed? Scheirer's system starts off by scanning its environment for objects that could be the animals it wants. It looks for clumps of pixels that are new to the scene, then examines them to decide whether they represent any of the animals it has been trained to recognise. Rather than checking each individual pixel, Scheirer's algorithms analyse the content of a frame of video and look for patterns of pixels that identify the animal. The algorithms don't need intensive processing and so run well on smartphones.

A paper due to be presented at the Workshop on the Applications of Computer Vision in Clearwater, Florida, later this month shows how well the algorithms work, with the system able to distinguish between three different species of ground squirrel 78 per cent of the time, even though they are almost identical. Scheirer says that the algorithms have been tweaked and that the recognition rate is now around 85 per cent.

Scheirer says his goal is to build a cheap, easy-to-use system that can automatically detect animals in any environment. More field trials are scheduled for next month, and the team aims to deliver a finished system to the US Air Force by 2014.

Princeton population biologist Dan Rubenstein says machine vision systems will also help us understand delicate ecosystems in finer detail. "You won't be generalising from such small scale to such a massive scale," he says. "We're going to be able to save ecosystems."

Another system presented at the conference, called Hotspotter, recognises individual animals like zebras and giraffes by their stripes and spots, although it still needs some human guidance, unlike the Mojave desert system. Rubenstein, who works on Hotspotter, says that systems like this will allow biologists to look at animals and their actions on an individual basis. "We could start to build massive databases of who's who, and how they move in time. We can use social networks to figure out how they relate to each other."

If you would like to reuse any content from New Scientist, either in print or online, please contact the syndication department first for permission. New Scientist does not own rights to photos, but there are a variety of licensing options available for use of articles and graphics we own the copyright to.

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Taiwan probes illegal money transfer for Macau casinos

TAIPEI: Taiwanese prosecutors said on Thursday they were investigating a locally-based Hong Kong firm for allegedly carrying out huge money transfers for use in Macau casinos, circumventing strict forex rules.

The company, which opened in Taiwan in 2009, allegedly accepted deposits by Taiwanese gamblers allowing them to withdraw the money once they were in Macau, said the Taipei district prosecutors' office.

Prosecutors, who declined to identify the firm, said they suspected it was behind a total of US$179 million in illegal transactions.

The head of the company was questioned on Wednesday on suspicion of violating Taiwanese law which stipulates only banks are allowed to handle domestic and international money transfers, it said in a statement.

Taiwanese media said the services are popular among some gamblers due to Taiwanese laws restricting the amount of cash travellers can take with them abroad to US$10,000 per person.

The company reportedly also offered cash advances to entertainers, elected officials, business tycoons and leading gangsters to help promote business for the Macau casinos.

As there currently is no legal casino in Taiwan, many of the island's gamblers have turned to Macau, which is little more than an hour away by airplane.

The offshore Taiwanese island of Penghu last year passed a referendum to open the first legal casino in Taiwan, although it is still pending a separate law by the parliament on regulating gambling establishments.

- AFP/xq

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Latino should have played lead in 'Argo'

Ben Affleck plays the lead role of Tony Mendez in "Argo," which he also directed.

STORY HIGHLIGHTS

• Oscar nominations on Thursday, and Ben Affleck expected to get one for "Argo"


• Affleck plays real-life Latino who helped diplomats escape in Iran hostage crisis


• Ruben Navarrette: Affleck should have used a Latino actor to play role


• He says it cheats actor out of a job, and the Latino community out of a hero's story

San Diego, California (CNN) -- The upcoming Oscars are no stranger to causes or controversy. And this year, there is a strong dose of both surrounding the film "Argo" -- and its star and director, Ben Affleck.

This controversy bubbled up when the buzz started that Affleck could get an Academy Award nomination for best director when the announcements are made Thursday.

"Argo" tells how an ingenious and daring CIA agent helped orchestrate the rescue of six U.S. diplomats from Tehran during the Iran hostage crisis of 1979-1980. In November 1979, about 300 Islamic students stormed the U.S. Embassy and 66 Americans were taken hostage. But six U.S. diplomats escaped and were hidden at the Canadian Embassy by the Canadian ambassador and his wife.

Ruben Navarrette Jr.

The CIA agent -- Antonio "Tony" Mendez, played by Affleck -- successfully led the mission to evacuate the Americans, which involved Mendez and his associates posing as a Canadian film crew that was eager to make a movie in Iran.

The real Tony Mendez was awarded the Intelligence Star for Valor, and other honors, for leading the rescue. He later wrote a memoir, detailing the events in Tehran.

"Argo" is loosely based on Mendez's book. Better make that, very loosely based. As movie critics and others have pointed out since the movie opened a few months ago, the filmmakers took lots of dramatic license with the story. Mendez's role is played up, while that of the Canadians who helped hide and protect the Americans is played down. Some scenes depicted in the film never happened. Some characters are composites of several real people.

In other words, it's what you would expect from a Hollywood feature film based on a historical event. It's not a documentary. It's meant to be taken with a grain of salt, and to be entertaining.

Still, there are some Latinos -- in and out of Hollywood -- who think that, in this case, the filmmakers, and especially Affleck, pushed the concept of creativity too far. They say Affleck missed an opportunity to put more Latinos on screen. Moreover, they say, Affleck improperly claimed, for himself, the choice role of Mendez when he should have cast a Latino actor instead. They insist that the director didn't just cheat a Latino out of an acting job but the Latino community out of a feel-good story about one of their own who won acclaim for a heroic deed.

The critics are right, and their cause is just. Affleck should have tried to cast a Latino to play Mendez. That's common sense, and it would have made "Argo" a better movie. Affleck also didn't do himself any favors by trying to dismiss the criticism with a glib remark that essentially said that it really doesn't matter that the actor playing Mendez isn't Latino since Mendez himself isn't, shall we say, overtly Latino.

At a recent forum intended to publicize the film, Affleck responded to a question from the audience about the controversy by noting that "Tony does not have, I don't know what you would say, a Latin/Spanish accent" and that "You wouldn't necessarily select him out of a line of 10 people and go 'This guy's Latino.' "

Ouch. At least Affleck didn't slip and say "line up."

"So I didn't feel as though I was violating something," he said, "where, here's this guy who's clearly ethnic in some way and it's sort of being whitewashed by Ben Affleck the actor."

Johnny Depp set a better example. Several months ago, Depp turned down the role of Mexican revolutionary Francisco "Pancho" Villa in another film. He said that the role should go to a Latino. I praised Depp at the time for showing that, besides being a great actor, he is also a person of character.

The exclusion of Latinos from Hollywood is an old story. This is still a black and white world, where Latinos rarely get cast in the leading role. We're the gardeners and housekeepers, the gang leader and drug dealers, the nannies and farm workers. That's it. There has been some progress, of course. But not enough -- not when you have a Latina in the Supreme Court, three Latinos in the U.S. Senate, and Latinos heading Fortune 500 companies.

I could blame the environment of Southern California, in which most Hollywood writers, producers and directors live and spend most of their time. When they get up in the morning and drive to work, most Latinos they encounter are subservient. We clean their homes, cook their breakfast, trim their hedges, park their cars and otherwise help them get through the day.

Still, you can push this argument too far, and wind up going down a dangerous path -- one that ultimately sets back the greater cause of trying to get television networks and film studios to create a broader range of meatier roles for Latino actors and actresses.

After all, it's a short walk from saying that a director should have cast a Latino to play a Latino to arguing that only Latinos can play Latinos. And, if that's the argument, then on what moral high ground do Latinos stand to also push -- as we should -- for Latino actors and actresses to be considered for generic and mainstream roles that could have gone to white actors? We can't have it both ways.

Even if Latinos succeed in making their point about this one director and this one movie, it could backfire. We could win this battle, and still lose the war.

But before Latinos can be fully integrated into America and not considered outsiders, we have to take every opportunity to push for inclusion and fairness. And acknowledging that Latinos have the skills to play themselves is a good start.

Follow us on Twitter @CNNOpinion

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The opinions in this commentary are solely those of Ruben Navarrette.

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New rules seek to shield consumers, mortgage lenders

WASHINGTON Federal regulators for the first time are laying out rules designed to ensure that mortgage borrowers can afford to repay the loans they take out.

The rules being unveiled Thursday by the Consumer Financial Protection Bureau impose a range of obligations and restrictions on lenders, including bans on the risky "interest-only" and "no documentation" loans that helped inflate the housing bubble.

Lenders will be required to verify and inspect borrowers' financial records. They generally will be prohibited from saddling borrowers with loan payments totaling 43 percent of the person's annual income.

CFPB Director Richard Cordray, in remarks prepared for an event Thursday, called the rules "the true essence of 'responsible lending."'

The rules, which take effect next year, aim to "make sure that people who work hard to buy their own home can be assured of not only greater consumer protections but also reasonable access to credit," he said.

Cordray noted that, in years leading up to the 2008 financial crisis, consumers could easily obtain mortgages that they could not afford to repay. In contrast, in subsequent years, banks tightened lending so much that few could qualify for a home loan.

The new rules seek out a middle ground by protecting consumers from bad loans while giving banks the legal assurances they need to increase lending, he said.

The mortgage-lending overhaul is a priority for the agency, which was created under the 2010 financial law known as the Dodd-Frank Act. The agency is charged with reducing the risk of a credit bubble by helping to ensure that borrowers are better informed and loans are more likely to be repaid.

The agency is charged with writing and enforcing rules that flesh out the law passed by Congress. Some provisions are required under the law, but the agency had broad discretion in designing many of the new requirements.

The rules limit features like teaser rates that adjust upwards and large "balloon payments" that must be made at the end of the loan period.

They include several exceptions aimed at ensuring a smooth phase-in and protecting access to credit for underserved groups. For example, the strict cap on how much debt consumers may take on will not apply immediately. Loans that meet separate federal standards also would be permitted for the first seven years.

Balloon payments would be allowed for certain small lenders that operate in rural or underserved communities, because other loans may not be available in those areas.

The bureau also proposed amendments that would exempt from the rules some loans made by community banks, credit unions and nonprofit lenders that work with low- and moderate-income consumers.

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Holmes 'Delighted' by Creepy Self-Portraits: Victims

After two days of apparent indifference, accused Aurora shooter James Holmessmiled and smirked at disturbing self-portraits and images of weapons shown in court today, according to the families of victims who watched him.

"When he sees himself, he gets very excited and his eyes crinkle," Caren Teves said outside of the courthouse, after the hearing. "Your eyes are the window to the soul and you could see that he was very delighted in seeing himself in that manner."

Teves' son Alex Teves, 24, died in the shooting.

Prosecutors showed photos that Holmes took of himself hours before he allegedly carried out a massacre at a Colorado movie theater. He took a series of menacing self-portraits with his dyed orange hair curling out of from under a black skull cap and his eyes covered with black contacts. In some of the photos, guns were visible.

Those haunting photographs, found on his iPhone, were shown in court today on the last day of a preliminary testimony that will lead to a decision on whether the case will go to trial. The hearing concluded without Holmes' defense calling any witnesses.

The judge's decision on whether the case will proceed to trial is expected on Friday.

James Holmes: Suspect in Aurora Movie Theatre Shootings Back in Court Watch Video

Police Testify at Hearing for Accused Colorado Gunman Watch Video

Couple Surprised by Rebuilt Home After Sandy Watch Video

Holmes, 25, is accused of opening fire on a crowded movie theater in Aurora, Colo., on July 20, 2012, killing 12 people and wounding dozens others during a showing of "Dark Knight Rises."

The court room's set-up kept members of the media from being able to see Holmes' face as the photos were displayed, but victims and their families could watch him.

Teves said that Holmes was "absolutely smirking" when images of his weapons and the iPhone photos he took of himself were shown in court.

"I watched him intently," Caren Teves' husband Tom Teves said. "I watched him smile every time a weapon was discussed, every time they talked about his apartment and how he had it set up (with booby traps), and he could have gave a darn about the people, to be quite frank. But he's not crazy one bit. He's very, very cold. He's very, very calculated."

Holmes' has exhibited bizarre behavior after the shooting and while in custody. His defense team has said that he is mentally ill, but have not said if he will plead insanity.

"He has a brain set that no one here can understand and we want to call him crazy because we want to make that feel better in our society, but we have to accept the fact that there are evil people in our society that enjoy killing any type of living thing," a frustrated Tom Teves said. "That doesn't make them crazy. And don't pretend he's crazy. He's not crazy."

The photos presented in court showed Holmes mugging for his iPhone camera just hours before the shooting.

Click here for full coverage of the Aurora movie theater shooting.

Half-a-dozen photos showed Holmes with his clownish red-orange hair and black contact lenses giving the photos a particularly disturbing edge.

In one particularly odd image, he was making a scowling face with his tongue out. He was whistling in another photo. Holmes is smiling in his black contacts and flaming hair in yet another with the muzzle of one of his Glock pistols in the forefront.

Yet another photo showed him dressed in black tactical gear, posing with an AR-15 rifle.

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