...Loan Origination Fees Origination fees consist of all of the following: a. Fees that are being charged to the borrower as prepaid interest or to reduce the loan's nominal interest rate, such as interest buy-downs (explicit yield adjustments) b. Fees to reimburse the lender for origination activities c. Other fees charged to the borrower that relate directly to making the loan (for example, fees that are paid to the lender as compensation for granting a complex loan or agreeing to lend quickly) d. Fees that are not conditional on a loan being granted by the lender that receives the fee but are, in substance, implicit yield adjustments because a loan is granted at rates or terms that would not have otherwise been considered absent the fee (for example, certain syndication fees addressed in paragraph 310-20-25-19) e. Fees charged to the borrower in connection with the process of originating, refinancing, or restructuring a loan. This term includes, but is not limited to, points, management, arrangement, placement, application, underwriting, and other fees pursuant to a lending or leasing transaction and also includes syndication and participation fees to the extent they are associated with the portion of the loan retained by the lender. Provision 2) > Non-Performance-Related Default Covenants 05-8Some lease agreements contain default provisions that are unrelated to the lessee's use of the property, such as financial covenants (for example...
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...Between Edward and Peg, in the back seat, the top of Peg's blue Avon case can be seen, above that the beige leather back seats are visible. Above the back seats, reaching to the same level as the rear-view mirror, is the black back dash shelf of the car, while pieces of the view from the rear windshield are seen above it, interrupted by the rear-view mirror, Peg and Edward's heads, and the chassis outline of the car (window and door frames). To far left and right hand side the view of the town outside the car can also be seen, interrupted at points by the door and window frames. Most of the colors in the outside view are bright pastels, except for the grey asphalt and bright green grass in the lawns. Several people are shown walking, with dogs, or playing in the background as the car drives by. Parts of peoples' houses, cars, and nearly identical mailboxes are also visible, including a house that is covered in a blue and orange striped fumegation tarp. The rear windshield, windows, backseat top edges, and front seat top edges create several “frames within a frame” and emphasize the frame's depth of...
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...Behavior | The Coke Side of Life | | | | The Coke Side of Life | | | Table of Contents I. Introduction --------------------------------------------------------------------- pg. 2 II. Research Design --------------------------------------------------------------- pg. 3 III. The Coke Side of Life -------------------------------------------------------- pg. 3 - 9 a. Symbolism of Colors ----- pg. 4 - 7 b. Contrast --------------------- pg. 7 - 8 c. Proximity -------------------- pg. 8 d. Alignment ------------------- pg. 8 - 9 e. Limited Recognition ------ pg. 9 IV. Conclusion --------------------------------------------------------------------- pg. 9 - 11 V. Work Cited --------------------------------------------------------------------- pg. 12 VI. Appendix ---------------------------------------------------------------------- pg. 13 VII. Interview #1 -------------------------------------------------------------------- pg. 14 - 15 VIII. Interview #2 -------------------------------------------------------------------- pg. 16 – 17 IX. Interview #3 -------------------------------------------------------------------- pg. 18 – 19 Introduction The psychology of color as it relates to persuasion is one of the most interesting and most controversial aspects of marketing. Using the right colors to promote a business during a marketing and advertising campaign is extremely important...
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...Lab #1 “Who has the same solid that I have?” Abstract Different Physical and chemical tests were performed on 10 numbered unknown solids and the results of all tests were compared as a class to try and determine which groups had the same unknown solids based on similarities in properties. It was found that my given unknown solid #11 shared similar properties with the unknown solid #1. A side by side analysis of the reactivity test in which Hydrochloric acid (HCI), lead nitrate (Pb(NO3)2) and sodium hydroxide (NaOH) was added to three separate samples of the compounds unknown #1 and #11 aqueous solutions. The results for both unknowns were identical, leading to the conclusion that my unknown solid #11 was the same unknown solid as #1. Introduction When conducting research it is important to be comfortable communicating your results with other researchers so that they can be further analyzed and compared with the results of other research experiments. Another large part of conducting research is to be comfortable determining, describing and comparing chemical and physical properties of compounds. Many compounds can look very similar, but have drastically different chemical properties, so it is important to know which tests can be performed on a compound to help determine what it is, or what it is not. In this experiment 2 sets of six unknown solid compounds were put into small jars and labeled with the numbers 1-12, numbers 4, 6 and 8 were not used. Each lab group was given...
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...them. Self-portrait on the Borderline Between Mexico and the United States has an almost confusing feel to it. Kahlo is standing between Mexico and the U.S., and seems lost in and confused about where she belongs. The right side, the U.S., is dominated by industry, and the left, Mexico, is represented by landscape and the Mexican culture. The painting has variety and unity. I think that if I looked at this painting without knowing the title and the intension I would say that this piece has only variety, but because I understand what Kahlo wants to communicate, the variety is unified. Model with Unfinished Self-portrait has a simpler feel to it. It seems to be more peaceful and relaxed. A painting to look at and enjoy, not deciphering the “true” meaning behind it. I think the most confusing part about this piece is the title. Without looking at an outside source to see what the artist looks like, is the model sleeping or is the model sitting at the table. My first guess would be that the model is the one asleep and the artist is the man at the table. The first thing that I noticed about the two is the bright colors that both artists have used. In Self-portrait on the Borderline Between Mexico and the United States the pink dress and the bright greens and reds really stand out. The rest of the colors in the painting have a monochromatic harmony using shades of browns and greys. The use of these colors makes the painting...
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...When people try to find light in the dark, they often find this light with the people around us [16]. In the novel, Antoinette and Annette form this binary opposition which is bright and dark. Antoinette favours brightness over darkness while Annette distaste bright and prefers darkness. Antoinette echoed throughout the novel her preferences to brightness as of colours or lights. She mentioned that she wanted to write her name in fire red [34] which is a bright colour and this portrays her likeness to brightness. Although she’s deprived of love from her parents at an early age, she continues to hope, which a sign of light. Whereas Annette distastes brightness and desires darkness. She prefers to walk on their shaded glacis which depicts her...
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...park with my ten year old daughter. Fall has always been my favorite season of the year. I love seeing the color changing leaves across the bright blue sky and the mixture of bright orange, yellow and brown scattered on the dark pavement. This sparked an idea in my head. I wanted to express the colors of autumn in my painting without having to paint actual leaves. I also wanted to express the random scattering of leaves against the dark wet pavement. I wanted to express fall the way I see fall in my imagination; dark and gloomy yet warm and bright all at the same time. In order to express my vision, I needed to think of what materials I needed to put it all together. I went to a local store and bought a 20 x 24 canvas, some fan brush and the acrylic paint necessary to express the fall colors I see in my imagination. I put a lot of thought into what colors I want to incorporate into my painting to express the dark and gloomy. The color black immediately popped into mind. I started to paint my entire 20 x 24 canvas with a thick layer of black acrylic paint and set it aside for 24 hours to dry. While waiting for the layer of black acrylic paint to dry, I thought about what colors I wanted to use to express warm and bright on a dark and gloomy background. I thought of the bright orange leaves against gray gloomy sky and came up with a bright orange red to represent the leaves and an off white color to represent the gray gloomy sky. From this point on I had to come up with an idea...
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...Revolution ended. The first mural shows the dark times for Mexico and the somewhat bright times for the United States. The second mural shows what looks more of a happier time for the nation. The essential question that I chose to go with my two murals was the first one which said ‘Was the Mexican Revolution a true revolution that brought social, economic, and political change to Mexico?’ In the mural ‘The Epic of American Civilization’ there are many things going on. On one side of...
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...Ashton Ben February 13, 2014 ENG 101 MWF 12 # 2 Profile My Island Escape Ever since I was a little kid I knew where I always dreamed of living. My dream home would be more than I could ever imagine. It would be on a bright and warm island. With the white sand all around me, bright from the glistening of the sun, to the feel of the breeze blowing up to the shore and the sound of the beautiful aqua blue waves. As I walk up to the house all I imagine to see is a big porch overlooking the island. I see a two story house with maybe 3 bedrooms or so, not too big. It should be rustic, in a light colored wood or a nice colored plaster, with big windows where I can sit on the windowsill and look out on the island. It will be bright with a light sense and feel to it. Sitting with crisp white rocking chairs so that every evening as the sun goes down I can lose myself in the calm sound of the waves. Where I can be evincible over anything and everything life throws at me. What will be light and cozy from the inside as if you were sitting in the sand, relaxing and not a care in the world about anything stressful. The living room will have huge windows overlooking the gorgeous blue water and will give the room a nice lightning in the day and when the evening comes there will be plenty of candles lit for the warmth feel in the room. With a built in couch all the way down the room so me and my little family could spend hours playing games. The kitchen is a very important room...
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...mechanics, however, even Young’s wave description is incomplete). Young, a leading British natural philosopher, formulated an influential theory of color vision. He was also the first to decode the Egyptian hieroglyphics being brought to Europe by Napoleon’s troops. Although Newton and others had observed alternating patterns of bright and dark bands of light under certain circumstances, Young would be the first to explain these patterns, based on an analogy with water waves. Young used very simple equipment to produce patterns of light and dark bands: a candle and a card with a rectangular hole across which he stretched a single human hair. He used his observations to measure the wavelength of light. Notice that he was proposing that light is a wave and measuring its wavelength (something that cannot be directly observed!) to prove that it is indeed a wave. Young described the experiment as follows, in “An account of some cases of the production of colors not hitherto described” [1802], in Henry Crew, ed., The wave theory of light (New York, 1900), 63-64: “I therefore made a rectangular hole in a card, and bent its ends so as to support a hair parallel to the sides of the hole; then, upon applying the eye...
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...Create amazing style for your school locker with LockerLookz collection. Hold up invites, photos, A+ tests and more with this bright set of magnets. Translucent pink diamond encase a small pink button with a picture of a white key. Create amazing style for your school locker with LockerLookz...
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...known today as being one of the most loyal companions a human can have. Dogs view humans as being part of their pact or family. The allegiance among the pact is viewed as crucial to the dog. This loyalty contributes to the success of the pact and makes the pact/family work more effectively for both the dog and human. The makers of this dog food ad used the history and research of dog’s demeanor towards humans to create a fun yet clearly stated message for dog owners. The ad shows a blind man being escorted by his companion down a city side walk. Little does the blind man know; the dog is knowingly leading him straight into a dangerous construction hole. In a humoristic and clever...
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...essayist for each side from the text). Louis P. Pojman provides an argument for retribution as he states, “The moral justification of punishment is not vengeance, but desert. Vengeance signifies inflicting harm on the offender out of anger because of what he has done. Retribution is the rationally supported theory that the criminal deserves a punishment fitting the gravity of his crime” (p. 57). Therefore, retribution is not based on hatred for the criminal but is the belief that the criminal deserves to be punished in proportion to his crime, whether or not the victim or anyone else desires it. Retribution, as explained by Louis Pojman, supports the death penalty as it proposes that those who have taken a life deserve to lose their own life. Hugo Adam Bedau provides an argument against retribution as he states, “Retribution does not yield a coherent and comprehensive system of punishment” (p. 42). Beau argues that the principle by itself does not provide a defense for the death penalty; it is fully satisfied by a lesser punishment, such as imprisonment. Therefore he asked the question, “Why do murderers deserve to die when rapists do not deserve to be raped.” Beau goes on to say, “Retributive considerations rightly tell us who deserve to be punished–it is the guilty. But it does not tell us what their punishment ought to be” (p. 41). Therefore the death penalty is not supported by the principle of retribution. 9. Name two arguments made by Stephen Bright under the Arbitrary...
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...Their joy of laughter when hitting each other straight in the face of one another. With also their Great Dane running and barking around in circles trying to eat the snow that was being thrown. The smoke coming from the chimney next door with the aroma from the pumpkin pie, pot roast, and cheesy mashed potatoes being made in the kitchen. Then, the family across the street decorating their 10 feet Christmas tree through the window with ornaments as colorful as the rainbow and lights as bright as the sun. With that being said, you would see Christmas lights on each house and everyone in the neighborhood singing Christmas carols. You wouldn’t even be able to drive your lifted 2013 Chevrolet due to how much snow would be on the roads. The only way you could see people getting around are the teenagers on their bright blue or bright pink snowmobiles. If you were to also go down to the Southern Rocky Mountains, you would see kids of all ages and adults snowboarding or skiing. Swishing from side to side and doing tricks like no other down this ginormous mountain. Many people don’t see the joy in the freezing cold, but I choose thirty degrees over ninety degrees any...
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...Fitzgerald to create the world in which you are about to read into, by characterising the characters within the book almost straight away through the first person narration by Nick Caraway. For example “her face was sad and lovely with bright things in it, bright eyes and a bright passionate mouth.” Here Daisy Buchanan is characterised to seem romantic, “lovely…bright passionate mouth.” Through this, and various other chapters in the novel, we can see how she portrays the theme of romanticism in the novel, however this will directly contrast with how she is materialistic and seems to be more in love with possessions and money rather her husband, and so she is more in love with the idea of wealth and what her husband can provide for her rather than being in love with him. The juxtaposition of “sad and lovely” can create questioning within the reader as to where there is something beneath the surface that explains her misery, due to the adjectives contrasting one another. This could suggest that Daisy is trying to put on an act to the public, yet Nick sees through the persona and sees the sadness within her. The repetition of “bright” creates a sense of youthfulness in Daisy, which contrasts to where she lives; East Egg, which is known as the ‘old rich’ side. This description can also contrast with another location near to Daisy, “the valley of ashes” as the people are described as “ash-grey” which shows a contrast to the two lifestyles and it also shows Daisy’s class difference to people...
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