Actual - Real Estate

The sub prime market is declining due to a high rate of foreclosures. These foreclosures are th

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

e result of the proliferation of stated income loans that allow borrowers to multiply their real

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

income on papers. The problem is larger than we think. On a loan, there are so many partners

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

involved and each partner is there to make sure the loan closes. A non exhaustive list will sho

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

w mortgage brokers and loan officers, loan processors at mortgage companies, account executives,

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

bank processors, underwriters, title companies, appraisers, and realtors. Everyone is there to

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

make money and there is no money if the loan does not close for most of the parties involved, e

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

cept for the appraiser that earns his or her money upfront. That explains why there have been

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

so many bad home loans.

I would like to point out the fact that our economy is based on results

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

, not on processes. As long as a manager can show a number of loans that exceed the company's q

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

uota, upper management is happy. We need to shift from a result oriented management to a proces

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

s oriented management. I have seen so many irregularities in the American companies just becaus

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

e employees have to show quantity instead of quality. This management culture has caused so man

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

y problems to American companies.

We have to learn our lesson. Companies that will survive are

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

those that can make a difference between quantity and quality. Quality should prevail over quan

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

tity in our economy. The collapse of many giants in the mortgage industry may be a good thing f

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

or the future of the mortgage industry. The survivors will be more careful in approving mortgag

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

e loans and we will see fewer foreclosures.

We have to learn from our mistakes. We have to sto

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

p writing loans to borrowers that do not have the required income. Let's discipline our practi

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

ces while waiting for a better market.

Any question, visit www.melphis.com for more information

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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