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The delay-and-antedating hypothesis has no such consequences.

The no-delay hypothesis, which would have the consequences, is wholly unacceptable Libet has in good part failed to understand me.

It serves to save our free will or power of origination. The following paper from The Journal of Theoretical Biology, first published undered the title 'The Time of a Conscious Sensory Experience and Mind-Brain Theories', looks into the the question.

It was attended to confidently by Professor Libet -- Subjective Antedating of a Sensory Experience and Mind-Brain Theories: Reply to Honderich.

Thus, that is the month and year that the creditor must report to the CRA, and that the CRA must use to calculate the time period dictated by Section 605. In sum, we believe that the phrase "commencement of the delinquency that led to the action" in Sections 605(c)(1) and 623(a)(5) of the FCRA should be construed according to its normal meaning.

We are not in accord with the contention that the date "when (the creditor) first reported" the chargeoff to the CRA constituted the start of the delinquency. If a consumer falls behind on an account and never catches up, the delinquency has its "commencement" when the first payment is missed.

Sections 605(c)(1) and 623(a)(5) were recently added to the FCRA to correct the ineffectiveness of the previous FCRA, under which the date that started the seven-year period was uncertain or under the control of the creditor.(1) The legislative history of these provisions makes it clear that they were designed to correct the often lengthy extension of the period that resulted from delayed creditor action: Current law generally prohibits consumer reporting agencies from including in a consumer report accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. From that point on, the account is past due and thus delinquent. The Consumer Credit Reporting Reform Act of 1996 (Title II, Subchapter D, of Public Law 104-280, signed into law on September 30, 1996), made many other changes to the FCRA. The additional 180 day period accords a measure of flexibility to credit bureaus whose furnishers may provide them with the wrong date.

The Committee is concerned that this seven year limitation is ineffective. action occurs months or even years after the commencement of the preceding delinquency. Consequently, the consumer report may contain such information even if the delinquency commences more than seven years before the date on which the report is provided to a user. may begin no more than 180 days after the commencement of the delinquency immediately preceding the ... The opinions set forth in this informal staff letter are not binding on the Commission. However, the expansion of the time period that Section 605 allows chargeoffs and similar actions to be reported accents the desirability of treating the "commencement" of the delinquency as the first missed payment -- not some later date that would further extend the period.

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Aerial photograph of the 316 pits placed in 26 rows and discovered in Gevrey-Chambertin.

To what I thought was my unanswerable 'Is the Mind Ahead of the Brain -- Benjamin Libet's Evidence', Professor Libet did indeed make an answer, published in the next issue of The Journal of Theoretical Biology. ABSTRACT: Libet in his reply misunderstands my claims against his interpretation of certain experimental findings.

Its original title, by the way, was 'Mind, Brain and Time: Rejoinder to Libet'.

The reply in turn got a response -- Honderich's 'Is The Mind Ahead of the Brain -- Rejoinder to Benjamin Libet'.

Abstract: Libet et al., like Popper & Eccles, have the view that some single hypothesis about the time of occurrence of a conscious sensory experience has certain consequences for various mind-brain theories.

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