美國控訴Rocket Homes 涉嫌非法回扣計劃

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美國控告Rocket Homes涉及抵押貸款計劃的“非法回扣”

（路透社）—— 美國消費金融的最高監管機構在週一指控Rocket Homes（Rocket Companies旗下的一個單位）及一組房地產經紀公司參與一個非法回扣計劃，旨在將抵押貸款申請引導至Rocket Mortgage。

CFPB（消費者金融保護局）局長Rohit Chopra表示：「Rocket參與了一個回扣計劃，這使得購房者在比較購房選擇和獲得最佳交易時受到抑制。」他補充道：「在許多人感到擁有住房變得遙不可及的時候，企業不應以非法方式阻礙競爭，從而推高住房成本。」

這一指控再次引發了對美國住房市場的關注，尤其是在住房價格高漲和購房者面臨越來越多困難的當下。Rocket Homes的行為如果被證實，將對整個抵押貸款行業造成影響，並可能引發進一步的監管行動。

在當前經濟環境下，許多家庭正面臨著購房的挑戰，而這類行為不僅損害了消費者的權益，還可能加劇市場的不公平競爭。監管機構的介入是必要的，因為它們不僅需要保護消費者，還需維護市場的公正性。

這一事件突顯了在美國住房市場中，透明度和公平競爭的重要性。隨著政府對此類不當行為的重視，未來可能會出現更嚴格的監管政策，以防止類似情況的重演，並促進更健康的市場環境。

以上文章由特價GPT API根據網上資料所翻譯及撰寫，過程中沒有任何人類參與 🙂

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{ "intro": "Create an ultra realistic 8K UHD DSLR editorial fashion photo based on the attached image as a reference of facial features, maintaining 100% likeness.", "subject": { "identity": "A beautiful real human woman styled as a modern high-fashion Cleopatra queen, maintaining 100% likeness to the reference image.", "angle": "Full-body portrait captured at eye level with ultra-sharp clarity and no blur.", "pose": "She stands confidently with one hand gently touching a tall carved pharaoh statue — the kind commonly found in Egyptian palace entrances — while her other hand holds an ornate cobra staff.", "expression": "Regal, intense, and empowered.", "hair": "Shoulder-length dark brown hair, sleek, glossy, and styled with subtle volume.", "makeup": "Full glam with bold editorial colorful eye makeup — vibrant turquoise, sapphire blue, violet, and gold blended in a dramatic high-fashion shape, winged liner, glowing highlighted skin, sculpted cheeks, and glossy nude-rose lips." }, "wardrobe": { "outfit": "A luxurious high-fashion Egyptian couture gown with a dramatic, sexy silhouette — fitted bodice, flowing structured panels, iridescent fabrics, and metallic serpent-inspired embellishments wrapping around her hips and waist. The gown is elegant, regal, and runway-level extravagant.", "footwear": "Flat Egyptian-style sandals with gold straps and gemstone accents.", "accessories": "Opulent Egyptian jewelry including a golden collar necklace, serpent arm cuffs, gemstone earrings, and stacked bracelets.", "headpiece": "A stunning Egyptian queen crown or headpiece featuring intricate gold filigree, gemstones, and a central cobra motif.", "prop": "A tall ceremonial cobra staff with sculpted scales, gemstone inlays, and a dramatic raised cobra head." }, "background": { "location": "In front of the exterior wall of an Egyptian palace.", "environment": "Ancient sandstone walls decorated with deep carvings and hieroglyphics. Beside her stands a traditional Egyptian palace statue — a tall carved pharaoh figure — which she touches with her hand. Warm golden desert sunlight illuminates the scene.", "atmosphere": "Powerful, cinematic, regal — blending ancient Egyptian grandeur with high-fashion editorial aesthetics. No blur effect, all textures crisp." }, "camera": { "lighting": "Dramatic editorial lighting using strong directional sunlight with soft diffused fill, highlighting the gown’s texture, gold accents, and facial features.", "lens": "50mm or 85mm prime lens for hyper-detailed realism.", "settings": "ISO 100, f/5.6, 1/250 sec for a perfectly clear full-body image.", "quality": "8K ultra-realistic, HDR, vibrant color grading with warm desert tones and high-fashion contrast." } } Base Setup keep 100 percent facial information adherence of the attached image and turn her into a lone traveler posed on a sunlit desert dune ridge, captured as a live action photograph or movie still, not an illustration or CGI render, with a sexy, confident, heat soaked editorial mood. Shot and Camera Full body shot from slightly low height, framing her on the right third, with sweeping dunes rolling into the distance on the left, using a wide cinematic lens feel that keeps the landscape vast and minimal. Identity and Pose She has a slim, toned build, medium height impression, sun kissed skin, and long loose hair blown by the wind. She stands barefoot on the crest, one leg forward so the hip shifts naturally, one hand resting on her upper thigh and the other lightly gripping a sheer wrap at her side, wearing a high cut desert bikini with a gauzy open sarong that shows plenty of leg and midriff without nudity, head turned over her shoulder with a subtle, knowing smile, 8k Photorealistic and hyper realistic. Lighting and Environment Harsh midday sun from high right casts crisp shadows along her body and the dune ripples, with soft sky bounce filling the shadows enough to keep detail. The sand textures, wind carved ridges, and pale blue sky remain exactly like the reference, with faint footprints and slight imperfections grounding her on the slope. Masking and Constraints Change only by adding the subject and her wardrobe, keep dune shapes, lighting direction, perspective, horizon line, and white balance identical, preserving realistic body proportions and clear contact between her feet and the sand. Absolutely no added text, no painterly or toon look, no CGI plastic skin, no see through fabric on intimate areas, no warped limbs or floating feet, strictly require consistent perspective, natural film like grain, fine skin texture and sand detail, and physically correct contact shadows in the sand depressions around her feet. Create a hyper-realistic 8K close-up body portrait of a female model, using the uploaded photo as the exact facial reference. Maintain 100% accuracy of the facial features — do not alter or modify any aspect of the face. Render the skin texture, lighting, and overall composition with photo-realistic detail, ensuring lifelike color tones and natural depth of field. A man with his original hair is sitting casually on a white cube, smiling warmly at the camera. He is wearing a cream-colored cable-knit sweater, blue jeans, and brown loafers. His legs are crossed, with one hand resting on his knee. The background reveals a cozy and festive living room. A large, beautifully decorated Christmas tree with numerous warm lights and gold ornaments stands prominently behind him. Several wrapped gift boxes are visible at the base of the tree. To his left, another smaller decorated Christmas tree and a wreath on the wall further enhance the holiday atmosphere. The lighting is soft and inviting, creating a warm and welcoming scene.
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