![]() ![]() ![]() One of the service requirements to meet the proposed definition of seasoned QM states the loan must be “held in portfolio until the end of the seasoning period.” CBA member banks would like for the Bureau to confirm this requirement includes loans pledged to the Federal Home Loan Bank. If the Bureau excludes subordinate liens from the seasoned QM rule, it will have the unintended impact of limiting consumers ability to access affordable credit.ĬBA urges the Burau to clarify what “held in portfolio” means for seasoned QM requirements. However, CBA strongly urges the Bureau expand the definition of covered transactions to include subordinate liens meet the other stated requirements. Specifically, a covered transaction would have to meet the following restrictions to be eligible: loan is secured by a first lien loan has a fixed rate, with fully amortizing payments and no balloon payment loan term does not exceed 30 years and the total points and fees do not exceed specific limits. Pursuant to the proposed rule, a covered transaction would receive a safe harbor from ATR liability at the end of a 36-month seasoning period as a seasoned QM if it satisfies certain product restrictions, points-and-fees limits and underwriting requirements, and the loan meets performance and portfolio requirements during the seasoning period. Include Covered Subordinate Liens in the Definition of Covered Transactions.The remainder of this letter will provide more details about the suggested modifications to the seasoned QM proposed rule. Lastly, we recommend the Bureau develop a grandfathering clause to include all covered transactions, not only those from applications received after the effective date. Moreover, CBA would like for the Bureau to clarify what it means to be “held in portfolio.” CBA member banks also need clarifications to seasoning requirements and to certain terminology. First, we strongly encourage the Bureau to expand the covered transactions pursuant to the seasoned QM rule to include subordinate liens. To support the Bureau’s efforts, CBA urges the Bureau to consider the following modifications to the proposed seasoned QM rule. Furthermore, we also believe the Bureau issuing a seasoned QM proposal encourages safe and responsible innovation in the mortgage origination market, including for certain loans which are not QMs or are only rebuttable presumption QMs under the existing QM categories. CBA agrees a seasoned QM definition would complement existing qualified mortgage (“QM”) definitions and help ensure access to responsible, affordable mortgage credit. The Consumer Bankers Association welcomes the Consumer Financial Protection Bureau’s (“CFPB’” or “Bureau”) efforts to create a new category for seasoned qualified mortgages (“seasoned QMs”).
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Located just down the street from H2O Suites, La Te Da is yet another incredible adults-only boutique hotel in the heart of Key West. When you’re not exploring Key West, soak up the sun around the hotel’s rooftop pool. You can also rent a bike from the friendly staff and pedal to the nearby Southernmost Point and Ernest Hemingway Home and Museum. H2O Suites is located right in the heart of Key West, so you can walk to all of the best restaurants and bars in town. If you’re in town for a special celebration, the suites with private plunge pools are well worth the splurge! For a leisurely night in, you can wrap yourself in the plush robe, mix up a cocktail at the wet bar, and get cozy on the couch. The complimentary happy hour each evening will also help you have an ultra-relaxing vacation!Įach of the 22 suites boasts a king bedroom, a stylish living room, an Italian marble bath, and a private balcony or patio. With the tropical courtyard and the free welcome drink, you’ll be in vacation mode the second you step foot on this gem of a property. This luxurious all-suite hotel is adults-only, so it’s a great option for honeymooners and couples looking for a romantic escape. ![]() If you’re looking to stay in one of the coolest boutique hotels in the Florida Keys, H2O Suites might just be the perfect pick. No matter where you decide to stay in the Florida Keys, you’ll find plenty of incredible hotels to choose from!ġ2 Best Hotels in the Florida Keys 1. And if you’re searching for a romantic retreat, you’ll find all sorts of hidden gems scattered around the Florida Keys. Islamorada is known as the “Sport Fishing Capital of the World” and is just 25 minutes from Key Largo. If fishing and boating are at the top of your itinerary, you’ll definitely want to book a stay at a hotel in Islamorada. Not only will you find all sorts of amazing hotels and resorts dotting the island but Key Largo is home to beautiful white sand beaches and world-class diving spots. Located just 65 miles from Miami, at the top of the Florida Keys, Key Largo is another excellent place to stay in the Florida Keys. There’s so much to do, you’ll never get bored! Not only does the historic downtown boast excellent restaurants and bars but the island is home to some of the Florida Key’s most popular tourist attractions. There are plenty of reasons this is the most-visited island in the Keys. If this is your first visit to the Florida Keys, Key West is a great place to base yourself. But most of the best hotels in the Florida Keys are clustered around the tiny island of Key West. You’ll find a variety of amazing boutique hotels and lavish resorts throughout the Florida Keys. ![]() So we’ve created a list of the 12 best hotels in the Florida Keys to help you plan your perfect getaway!ĭon’t forget to check out our web story: 12 Cool Boutique Hotels in the Florida Keys So many, in fact, that you might have a hard time choosing the perfect one. There’s no doubt that the Florida Keys are chock full of trendy boutique hotels, adults-only resorts, and lavish oceanfront hotels. Key West is also famous for its bustling Mallory Square, the Ernest Hemingway Home and Museum, and the Southernmost Point Buoy. You’ll definitely want to spend some time shopping, dining, and bar hopping on Duval Street. You should also make time to stop off at a few of the Key’s stunning national parks, iconic seafood restaurants, and charming coastal towns!Įven though it’s the farthest key from the mainland, Key West is easily the most-visited island in the Florida Keys. So if you have the time, you can drive all the way from the sandy beaches of Key Largo to the southernmost (and most popular!) island, Key West.Īlong the way, you can indulge in a slice of key lime pie at The Blond Giraffe, go diving or snorkeling off the coast of Islamorada, and spot loggerhead turtles in Marathon. ![]() The islands are linked by the Florida Keys Overseas Highway and a series of 42 bridges. ![]() Visitors flock to the Keys year-round for their postcard-perfect beaches, pristine turquoise waters, and lavish oceanfront resorts. The Florida Keys are made up of a 125-mile-long string of islands that radiate off the tip of Florida. No trip to Florida is complete without spending at least a few days exploring the magical Florida Keys. ![]() If you like it then please share your thoughts in the comments box. 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The project will enable the facility to offer a turnkey engineering service to support its customers and facilitate the company’s growth plans over the next three years.Īs a result of the decision to expand and add jobs in Michigan, DSD has been awarded a $175,000 Michigan Business Development Program performance-based grant. The Drive System Design (DSD) group is now a world-leading expert in driveline refinement, efficiency improvement and electrified powertrains.ĭSD is looking to design, construct and house a custom development rig that will establish an advanced development capability for electrified powertrains, supplementing existing engineering capabilities at its current facility in Farmington Hills. “We’re pleased to work with our local partners and support this investment, and we look forward to working with the company as it continues to develop EV technologies in Michigan,” Mason said.ĭrive System Design was established in 2014 to grow and expand the technical engineering capability established by its UK parent, Drive System Design Ltd. “Drive System Design’s decision to invest in Farmington Hills rather than another state means excellent jobs for Michigan residents and further solidifies Michigan’s leadership position in automotive R&D and electric vehicle advancements,” said Jeff Mason, CEO of MEDC, the state’s chief marketing and business attraction arm that administers programs and performs due diligence on behalf of the MSF. Michigan was chosen for the expansion over a competing site in California. The project is expected to generate total private investment of $1.7 million and create 25 high-wage engineering jobs. – Drive System Design, Inc., a global engineering consultancy specializing in the design, development and control of future transmission and driveline systems, is expanding in Farmington Hills with support from the Michigan Strategic Fund, the Michigan Economic Development Corporation announced today. Project creates 25 high-tech jobs Development underscores strength of Michigan’s engineering talent, automotive R&D assets Note that the aspect ratio of an image refers to … Facebook Ad Specs: The Complete Guide | Image Sizes, Aspect Ratios. Understanding the image size and ratio is important because it affects how you compose your shot and what the print size will be. Enter either a new width (W 2) or new height (H 2) on the right to calculate the remaining … Understanding Aspect Ratios in Photography | Adobe Express. Enter the values for the original width (W 1) & original height (H 1) on the left. While an image's aspect ratio will help you understand its shape, it doesn't determine the image's actual size. Here are some other common aspect ratios for photos: 1:1 – this creates a square image 4:3 – the size of many computer screens and some digital cameras Aspect ratios (and how to pick one) - InVision. For example, an image with a 3:2 ratio could measure 2 x 3 inches or 4 x 6 inches. The aspect ratio is the width of the image compared to the height. Standard Photo Sizes and Common Aspect Ratios for Social …. Aspect Ratio: The aspect ratio of an image is the ratio of its width to its height, and is expressed with two numbers separated by a colon, . What are the available Aspect Ratios that can be used with. The numbers that appear in the ratio are not necessarily representative of the height and width in terms. The video aspect ratio indicates the orientation of a video by providing the ratio of width to height as measured in pixels. ![]() This ratio describes how wide your video is. The video aspect ratio is the video width in proportion to the height. … The Complete Guide to Understanding Video Aspect Ratios. For instance, if a rectangle has an aspect ratio of 2:1, then it is twice as wide as it is tall. The aspect ratio of an image is the ratio of its width to its height. What is Aspect Ratio? | Formula & Examples - Video & Lesson. Also, the screen size and aspect ratio aren’t the same - screen size influences the aspect ratio, but doesn’t represent it - and neither are resolution and … Aspect ratios (and how to pick one) - InVision. Aspect Ratios Explained: Everything You Need to Know. 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Recommended size in this case is 1200 x 600 pixels 2:1 This aspect ratio is mostly used for instagram photos, for example 4:5 This size is the most common to use on instagram … Sizing Policy and Aspect Ratios - Amazon Elastic Transcoder. Empirical analysis has shown that the … Aspect Ratio - Calculate 16:9, 21:9, 4:3 and other aspect ratio. ![]() One important value to keep in mind when conducting PSA is called the aspect ratio, which is the ratio of the length to the width of a particle. Aspect Ratios in Particle Size Analysis - Materials …. In landscape orientation, the A/R is > 1, for portrait orientation the . Aspect Ratio (short: A/R) is the width of an image or screen, divided by the height. How to Change the Aspect Ratio of a Video Online - Clideo. Aspect ratios are expressed as two numbers which represent the long and short sides of the rectangle, usually . Printing Aspect Ratios and Sizes - Learn DamoPhoto. ![]() All the Auto Clicker software that we have mentioned can help you optimize your computer and gaming efficiently. Other than all of these features, unfortunately, it is not open-source software.Īll of these auto-clickers software for Mac can enhance your computer or laptop's performance in many parameters. You can also customize the number of clicks, the time interval and the speed with this auto clicker, and much more. Therefore, the recorded mouse clicks and keystrokes can be replayed unlimited time. The features of the auto clicker are power-packed, and they are effortless and efficient to execute.Īn essential element of the auto clicker is that it is macro-based software. The auto clicker allows you to record your clicks and replay them multiple times as per your wish. This auto clicker is designed to save you from the hustling work of constant clicking. ![]() This software is the only software compatible with Mac and Windows. However, this open-source software does not customize advanced settings. It provides fast and reliable management of the automated clicking task. It is a trusted software that is completely protected from any bugs. It provides you with access to several clicks, And you can customize hotkeys as per your necessities. With this mouse clicker, you can automate every button like middle-click, right-click, left down, right down, middle down, left-click. ![]() It is a user-friendly tool that does not have any sort of complexities. Usually commercial software or games are produced for sale or to serve a commercial purpose.The next best auto clicker is a random mouse clicker that is another software developed by MurGaa only. Even though, most trial software products are only time-limited some also have feature limitations. After that trial period (usually 15 to 90 days) the user can decide whether to buy the software or not. Trial software allows the user to evaluate the software for a limited amount of time. Demos are usually not time-limited (like Trial software) but the functionality is limited. In some cases, all the functionality is disabled until the license is purchased. Demoĭemo programs have a limited functionality for free, but charge for an advanced set of features or for the removal of advertisements from the program's interfaces. In some cases, ads may be show to the users. Basically, a product is offered Free to Play (Freemium) and the user can decide if he wants to pay the money (Premium) for additional features, services, virtual or physical goods that expand the functionality of the game. This license is commonly used for video games and it allows users to download and play the game for free. There are many different open source licenses but they all must comply with the Open Source Definition - in brief: the software can be freely used, modified and shared. Programs released under this license can be used at no cost for both personal and commercial purposes. Open Source software is software with source code that anyone can inspect, modify or enhance. Freeware products can be used free of charge for both personal and professional (commercial use). These is unnofficial fix so we are not responsible if something goes wrong.įreeware programs can be downloaded used free of charge and without any time limitations. Note: To make Mac Auto Clicker to work on macOS X 10.15 Catalina or later please CLICK this video and follow the instructions.
![]() “After 5 hours, at the bottom of the outer box we can see liquid water as it condenses on the walls and flows down.” This heats the material and releases the water as vapor. “During the day we simply close the lid of the outer box and expose it to sunlight,” Kapustin says. This air is relatively humid compared to the day. At night, they keep the lid open, letting air in. They then put this box inside another clear box with a lid. The researchers took this metal-organic framework and spread it on top of a box. “And then, because the water molecules don't stick too tightly to the interior of the framework, we can release this water by heating the powder.” “If you expose this material to humid air, the framework will get saturated with water molecules,” says chemist Eugene Kapustin, coauthor on the paper. In Chile, for instance, fine nets capture fog and funnel it into pipes for drinking and even beer-making. Collect enough of those droplets and you can get yourself a glass of water. Fog is just a cloud of tiny, innumerable droplets of water. The first technology isn’t a new concept, but a supercharged version of of an old one: fog collection. The techniques won’t quench the collective thirst of humanity, but they’ve got serious potential to help us augment water supplies in particularly dry places, especially as climate change wreaks its havoc. A pair of studies out today in Science Advances, however, describe clever technologies that could suck water right out of the air, one using zero energy and the other using very little. That’s because, even in the driest of lands, the air is loaded with water molecules-they just won’t do you any good.ĭevices exist that can pull that water out of the air and convert it into liquid, but they are bulky and use a lot of energy. Find yourself lost in a desert and you will meet the same fate, also surrounded by water, also undrinkable. A free teacher account also allows you to create playlists of games and assignments for students and track class progress.Find yourself adrift at sea, surrounded by undrinkable water, and you will parch to death. You can access all of the games on Legends of Learning for free, forever, with a teacher account. The warm water near the surface of the ocean heats up with sunlight and evaporates, keeping the water cycle in motion.Ī preview of each game in the learning objective is found below. Gravity pulls denser air and water downward, forcing less dense air and water to move upward. ![]() Cool, dry air is denser than warm, humid air, and cool, salty water is denser than warm, less salty water. It pulls precipitation down from clouds and pulls water downhill. ![]() Gravity is the force of attraction between two objects, and Earth’s gravity pulls matter downward, toward its center. While sunlight is the energy source, the greatest force propelling the water cycle is gravity. Water is most dense as a liquid, then as a solid, and least dense as a gas. When it makes contact with something cooler, it changes the opposite way: gas to liquid (condensation) or liquid to solid (freezing). This causes it to turn from solid to liquid (melting) or liquid to gas (vaporization). When water absorbs sunlight or makes contact with something warmer than itself, it heats up. In the water cycle, this energy comes from sunlight. It changes between these states of matter when it gains or loses energy. ![]() On Earth, water can exist as a liquid, a solid (ice), or a gas (water vapor). Scroll down for a preview of this learning objective’s games and the concepts they drive home. The Role of Sunlight and Gravity in the Water Cycle learning objective - based on NGSS and state standards - delivers improved student engagement and academic performance in your classroom, as demonstrated by research. In this series of games, your students will learn about the way the sun’s energy and the earth’s gravity combine to cause the motion of water through the water cycle. ![]() Although many pidgin and creole scholars have denied a direct link between racial mixing and language mixing, it appears evident that the fear (and attraction) of racial miscegenation was at the heart of many western responses to pidgin English in China. primarily dervied from Cantonese & English, with some Portuguese, Mandarin, Malay, Hindi influence (vocabulary) unique: written. The most influential account was that of Leland (1876), whose 'comic' account of Pidgin-English Sing-song contributed to the formation of a cultural imaginary of Chinese people at a time of growing anti-Chinese racism in the United States and Britain. But for the word to transfer from Chinese to English through Pidgin that means it must’ve existed in. From the 17th to the 19th centuries, there was also Chinese Pidgin English spoken in Cantonese-speaking portions of China. In the case of Chinese pidgin English, early accounts of the use of 'broken English' are found in the memoirs of sailors and merchants on the South China coast, and these were later supplemented by missionary and colonial accounts from Canton, Hong Kong and the treaty ports of China. English-based pidgins include Nigerian Pidgin English, Chinese Pidgin English, Hawaiian Pidgin English, Tok Pisin and Bislama (one of the official languages. Chinese Pidgin English is a pidgin language lexically based on English, but influenced by a Chinese substratum. 1: 2013: A Hokkien-Spanish pidgin spoken in the Philippines. The Atlas of Pidgin and Creole Language Structures Online, 2013. In the case of pidgin and creole linguistics (or 'creolistics'), one obvious influence is from European 'race theory' of the late nineteenth century, seen most clearly in the adoption of a vocabulary which includes terms such as monogenesis, polygenesis and hybridization. The emergence of so as a complementizer in Chinese Pidgin English. The history of pidgin begins in the early 19th century in the South China city of Guangzhou. It argues that, although linguistics makes the claim to be an objective and systematic science, an examination of the past reveals that its own discourses have been shaped by a range of powerful forces from outside the disciplinary study of language. This essay looks at the history of pidgin and creole studies in the context of linguistic theory with particular reference to the study of 'Chinese pidgin English'. ![]() Later, the Oswald family lived in Fort Worth, Texas, and New York City, but I sense that for Lee, New Orleans was his emotional home, where he felt most comfortable. ![]() All suggest that Oswald grew up on the run. Lee’s itinerant childhood in New Orleans also included some time in the French Quarter on Exchange Place and several apartments in the Garden District. But nearby on Bartholomew, Pauline, and Congress streets there are other modest residences where briefly in the early 1940s Oswald’s mother moved her three boys (her husband died before Lee was born). There’s only a vacant lot on Alvar Street where Oswald was born the floods of Hurricane Katrina swept away the wooden, bungalow-style house. The Assassination Comes Calling at 544 Camp Street Oswald was born in the city in 1939, at 2109 Alvar Street, and during his short and unhappy life he spent many years living in a string of bungalow houses around New Orleans, mostly in the wards east of downtown.Īlthough JFK was shot in Dallas when Oswald was working at the Texas School Depository along the route of the presidential motorcade, Oswald had spent the summer before the assassination living in New Orleans at 4905 Magazine Street, where he worked hard to establish his street cred as either a Fidel Castro front man (passing out leaflets for something called the Fair Play for Cuba Committee) or as a foot soldier in the guerrilla war that wanted to restore American hegemony over Cuba.įrom the internet I had downloaded maps entitled “Lee Harvey Oswald’s New Orleans Residences” and “Theories on Oswald in New Orleans”, and over the course of a hot and humid day I cruised my bicycle around contours of the conspiracy theories that would indicate that at the very least Oswald was swimming in the waters of assassination politics-and was in way over his head. Lee Harvey Oswald: New Orleans’ Native Son I warmed to the wrought-iron balconies (many are actually Spanish) above the sidewalks, and I enjoyed window shopping over my handlebars, despite the voodoo-themed gifts in many galleries.įarther from the tourist haunts, I spent one of my days in New Orleans tracking down many of the houses and addresses associated with Lee Harvey Oswald (President John F. Photo: Matthew Stevenson.Įarly in the morning, on my way to a breakfast diner, I loved riding my beach cruiser bicycle through the French Quarter, which, despite the evening onslaught of the tourist brigades, come sunrise retained its European sensibility. One of the many bungalow residences in which Lee Harvey Oswald lived with his mother and brothers while growing up in New Orleans. ![]() Lets download this ideal bhojpuri mp3 music app' Bhojpuri mp3 Songs HD or even Bhojpuri mp3 at no cost and enjoy plenty of bhojpuri mp3 music genres. 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