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18 ON THE WEB WEBSITES TO GET TO KNOW. SHOEBOXED provides users with a quick, secure, painless way to scan, digitize, and archive receipts, business cards, and other important documents into a database that is easily and fully searchable, organized, and categorized–and the database can be accessed from anywhere at any time. Shoeboxed is compatible with virtually any accounting program–Quickbooks, Xero, Wave Accounting, Outright, ScanSnap, Evernote, and many others. With Shoeboxed, users can not only streamline the accounting and bookkeeping process, but they can maximize every possible tax deduction and email expense reports instantly. Shoeboxed is also used worldwide–it serves users in more than 100 countries and supports 14 international currencies. TEAMLY is a project management site that "turns a flow of conversations into an organized list." Teamly is integrated with the tibbr wall–with Teamly, any conversation on the tibbr wall about a customer, supplier, or a product can become part of an easy-to-manage task list in tibbr. You can also use Teamly to build custom workflows in case the workflows of your tasks don't match the Teamly defaults. You can also receive reminder emails to make sure you never miss an important task. Teamly can be used from all tibbr apps, both desktop and mobile, and it also works with Yammer and NewsGator. An especially valuable tool for real estate professionals, GROUND SIGNAL is a location- based audience platform that can help you identify and understand location-based audiences and influencers anywhere in the world. When you select any location within Ground Signal's aggregation of major social media channels, you can hear and understand the conversation, see people's profiles, view images, connect with high influencers, collect prospects, and build audiences to expand your business. Discover like-minded prospects nearby and experience personalized engagement with audience members. With Ground Signal, you can extract valuable data and insights–all on one platform. TEAMLY.COM 2 SHOEBOXED.COM 1 GROUNDSIGNAL.COM 3 FSOC RECOMMENDS GSES CONTINUE SPREADING MORTGAGE CREDIT RISK ACROSS PRIVATE MARKET In its annual report the Financial Stability Oversight Council (FSOC) recommended that the Federal Housing Finance Agency (FHFA) continue to encourage Fannie Mae and Freddie Mac to spread mortgage credit risk across the private market. e FSOC noted in its report that the GSEs have engaged in risk-sharing with market participants in the past year, thus reducing their exposure to mortgage credit risk. e council recommended a further reduction in the GSEs' retained portfolios, particularly in the area of less liquid assets, by using measures that do not interfere with mortgage market stability or restrict credit access. e GSEs' retained portfolios declined by almost 14 percent in 2014. e council also noted that the FHFA and HUD have been working with the Federal Housing Administration (FHA) and the GSEs in the last few years to clarify the requirements for originators to buy back loans backed by the GSEs and the FHA. At the same time, however, the FSOC recommended that the FHFA, Treasury, and HUD work with participants in the mortgage market to clarify their representations and warranties policies, citing "uncertainty regarding repurchase requirements as a major driver of their credit policies for GSE and FHA loans, which are often more conservative than these institutions require." e annual report was the councils' fifth, and it was unanimously approved. Among the agencies represented on the FSOC that helped draft the annual report include Treasury, the Federal Reserve, the Office of the Comptroller of the Currency, the SEC, the FDIC, the Commodity Futures Trading Commission, the FHFA, and the National Credit Union Administration. Fannie Mae and Freddie Mac were taken into conservatorship by the FHFA in September 2008 after receiving a taxpayer bailout of $187.5 billion in order to continue operations. e two GSEs returned to profitability in 2012, but the controversial conservatorship continues, with many analysts stating they do not see it ending in the foreseeable future.