14 PRNewswireFirstCall PMI MortgageInsurance Co

100 of 381 MSAs now in elevated or high risk categoriesWALNUT CREEK, Calif., Jan. 14 /PRNewswire-FirstCall/ PMI MortgageInsurance Co., (NYSE: PMI), today released its Winter 2009 Economic and RealEstate Trends Report, and its widely cited U.S. Market Risk Index(SM).Theindex shows that the risk of lower house prices two years from now increasedbroadly across the nation rising in 369 of 381 MSAs (MetropolitanStatistical Areas) or 97 percent highlighting the breath of the economicand housing downturns.PMI estimates that half of the nation's 50 largest MSAs have an elevatedor high probability of seeing lower house prices by the end of the thirdquarter of 2010, relative to the third quarter of 2008.A growing number ofMSAs in the Industrial Midwest and along the East Coast show an increase inprobability of lower home prices in two years."The two primary drivers of increased risk scores across a broader segmentof MSAs are the continued high level of foreclosures and rising unemployment,"said David Berson, PMI's Chief Economist and Strategist."These factors willput additional upward pressure on risk, with increases in affordability andlower mortgage rates providing some offset."PMI's U.S. Market Risk Index(SM) ranks the nation's 381 largest MSAsaccording to the likelihood that home prices will be lower in two years.Riskscores translate directly into an estimated percentage risk that home priceswill be lower in two years.The Risk Index uses economic, housing, andmortgage market factors (including home price appreciation, employment,affordability, excess housing supply, interest rates, and foreclosureactivity) to determine these probabilities.Among the nation's 50 largestMSAs, 23 had a risk score exceeding 50, indicating a greater than 50 percentchance of prices being lower in those markets in 2 years.In an effort to enhance forecasting accuracy, the Winter 2009 Risk Indexincorporates a new home price index.PMI now bases its estimates on the moreprecise MSA-level Repeat Transaction Home Price Index from Loan Performance (adivision of First American CoreLogic, Inc.).Previously the company based itsestimates on Federal Housing Finance Agency (FHFA, formerly the Office ofFederal Housing Enterprise Oversight, OFHEO) data.This change betterreflects the breadth of mortgage market transactions and eliminates any biason home prices resulting from the inclusion of refinancing activity.PMI alsomoved from utilizing state-based measures of mortgage foreclosure activity toMSA-based data to better reflect the impact on house prices from foreclosuresat the local level.A complete copy of the Winter 2009 PMI Economic and RealEstate Trends(SM) (ERET) report and Appendix that provides data for all 381U.S. MSAs is available at: http:// affordability was little changed in the third quarter from thesecond, caused mostly by a slowing in personal income growth in response torising unemployment rates as the recession deepened.Moreover, mortgage rateswere higher in most of the third quarter as the credit crunch worsened.PMI'sproprietary Affordability Index measures today's housing affordability in agiven MSA relative to its 1995 baseline.An Affordability Index scoreexceeding 100 indicates that homes have become more affordable; a score below100 means they are less affordable.For all 381 MSAs, the weighted average Affordability Index reading was114.5 in the third quarter, compared with the second quarter reading of 115.5.Across the nation, 62 percent of the MSAs showed marginally loweraffordability.Affordability improved slightly, however, in 59 percent of the100 MSAs ranked in the two highest risk classifications, mostly in response tosharply falling house prices which averaged a 14.0 percent decline from ayear-earlier, far exceeding the drop in income growth over the period.Winter 2009 PMI U.S. Department of Justice to Release Report on Characteristics of Suspected HumanTrafficking Incidents, 2007-08 The U.S.

Department of Justice's Bureau of Justice Statistics will issue anews release EMBARGOED until THURSDAY, JANUARY 15, 2009, at 9:00 A.M EST. Toaccess the embargoed news release and the full report now available on the BJSwebsite, send an email to . You must type TRAFFICKING in thesubject line to receive a user ID and password. Following publication thereport and press release can be found at http:// Sheila Jerusalem of the Office of Justice Programs - US Department ofJustice, 1-202-616-3227, After hours: 1-202-598-3570/PRNewswire-USNewswire - Jan. 14/SOURCEOffice of Justice Programs - US Department of Justice.

RICHMOND, Va., Jan. 14 /PRNewswire-FirstCall/ Genworth Financial's LongTerm Care (LTC) Insurance business today announced a strategic marketingrelationship with the National LTC Network to sell Genworth's long term careproducts and services.As part of this relationship, the National LTC Network will offer Genworth'slong term care insurance products to both individuals and businesses.Thiswill help expand Genworth's distribution of its long term care insuranceproducts.As the industry leader in individual long term care insurancesales, Genworth's brand recognition will help the National LTC Network in itsefforts to expand both its carrier network and product portfolio.As a memberof the National LTC Network, Genworth will support the Network's efforts toincrease the quality of long term care education for consumers and agents. The National LTC Network is a coalition of 25 long term care insurancedistributors. (NYSE: GNW) is a leading Fortune 500 global financialsecurity company.Genworth has more than $100 billion in assets and employsapproximately 6,000 people with a presence in more than 25 countries.Itsproducts and services help meet the investment, protection, retirement andlifestyle needs of more than 15 million customers. Its products and services are offered through financialintermediaries, advisors, independent distributors and sales specialists. Genworth Financial, which traces its roots back to 1871, became a publiccompany in 2004 and is headquartered in Richmond, Virginia.For moreinformation, visit Genworth .SOURCEGenworth Financial, Inc.Yokima Cureton of Genworth Financial, 1-804-662-2598,. SpiriText and America's Mobile Prayer Network Launches 'FREE' Consumer DrivenMobile Prayer Network Launches Partnership during the Week of Historical Presidential InaugurationHOUSTON, Jan.