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It was just barely two weeks ago that I wrote "Mortgage Rate-Yesterday's Answers Won't Solve Today's Problems". 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 article discussed the schemes of the boom mortgage market that were fine-"until the cows came home". It appears a

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

Examples of combination products may in

s though the cows have come home.

The article opined that the non traditional loans of interest only, ARM's, cash

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

uts and 50 year loans among others that were so popular then, were okay in a rising real estate market. Little did

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

I realize that a scant two weeks later I would hear on NBC about home foreclosures being the highest ever.

The so

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

Combination pro

called exotic loans or non traditional loans are coming in at a staggering 39% this year compared to a ten year ave

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

rage of 2%. It is predicted that there will be 1.3 million foreclosures this year, up 53% from last year.

The NBC

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

story seemed to place the blame on the "exotics" as the story called them-the non-traditional loans cited in my art

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

cle. But who really gets the blame the lender or the borrower?

There is probably plenty of blame to go around. Of

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

course most folks will want to put the blame on the lender for being too greedy and I am sure there is certainly is

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

some of that. But what about the greedy borrowers who had eyes bigger than their heads. What about them?

The trut

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

Following aspects would a

h is the borrowers have to take the bow on this one (unless that greedy lender had a gun to his head). Borrowers wh

dd to the challenges in developing combination products:

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

o for their first home in an up surging market had that "cannot fail", "don't hold me back", "keep up with the Jone

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

's" attitude.

When a county like Boulder County in Colorado (very high income and education levels) leads the nati

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

on in foreclosures then maybe there is something wrong. Relaxed lending requirements are being taken advantage of b

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

both borrower and lender so maybe there is another culprit. Could it be that they are the culprit, these relaxed l

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

Professional from academic institutions, pharmaceutical industries, health care indust

ending requirements?

In the good old days when you had to qualify for a loan based on income, the borrower got a f

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

ixed percentage of the value of the home. Pure and simple. But with all the competition and over 50 loan programs f

.

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

om the sublime to the ridiculous, borrowers and lenders alike are almost encouraged to stretch themselves. The resu

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

Companies that provide selfless information through particip

lt-when the cows come home it is time to pay the piper. The math doesn't look so good and foreclosure is the result

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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