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When a person (individual or business) applies for a loan (called a “credit” in the banking industry), many things can happen before the lender decides whether or not to approve the loan request. Most lenders follow the 5 Cs of credit: Character, Capacity, Capital, Collateral, and Conditions. Paying close attention to these details allows lenders…
Given that plants have no pain, nerves, or brains, they don’t feel pain in the way we in the animal kingdom understand it. Pulling carrots or pruning hedges isn’t a form of plant abuse, and you can safely bite the water. But it turns out that many plants can sense and communicate physical stimuli and…
Don’t know about crocodiles? Maybe you’re not alone. Although these large reptiles belong to different families, they have many similarities, such as long snouts, strong tails, short legs and backbones. However, there are some simple ways to tell them apart. The first is the quality of the snout. For crocodiles it is wide and U-shaped,…
Some animals hibernate during the winter months because food is scarce. They go into a long slumber, skipping the morning hours when food is more plentiful (because their body temperature doesn’t drop), but many animals have taken advantage of this change, including jerboas, little brown bats, Eastern chipmunks, prairie dogs, and some species of squirrels. At least one species of bird is thought to hibernate; the poor wren of western North America. Know when it’s time to prepare for hibernation. While the exact mechanisms are unknown, shorter days, reduced food intake, and cold weather all seem to affect HIT, and build up large stores of white and brown fat in the body to help them get through it. Brown fat provides body heat and energy when the animal wakes up. Some animals also store food in their burrows to eat during brief periods of wakefulness. In fact, significant physiological changes occur in the body during hibernation. The animal’s body temperature drops, and its breathing and heart rate slow down. The effects can be so severe that hibernating animals appear to be dead. In regions with mild winters, animals may hibernate for only brief periods or not at all. During the long hibernation period, many animals wake up briefly to go to the bathroom and have a snack before going to sleep. Some bears are unique in that they do not wake up, eat, drink, or go to the bathroom during hibernation, which can last for months.
The rate of expansion of the universe is called the Hubble constant, named after astronomer Edwin Hubble, who, with Milton Harmarson, discovered that galaxies are receding from Earth at a speed proportional to their distance. So speed = Hubble constant × distance. Rearranging this equation gives Hubble constant = speed × distance, so the Hubble constant is expressed in kilometers per second (km/s) per megaparsec (Mpc), where one megaparsec is 3.26 million light-years. > So what is it? How big is the universe? In 1929, Hubble obtained a value of about 500 km/s/Mpc. By 1960, accurate measurements had reduced this speed to 100 km/s/Mpc, but the astronomical community was divided into two camps, those favoring 100 km/s/Mpc and those favoring a similar 50 km/s/Mpc. Resolving this issue became a major task of the Hubble Space Telescope (HST). It took only a few years. Recent accurate measurements of the cosmic microwave background give a value of about 68 km/s/Mpc, while measurements using observations from the HST still give a value of about 72 km/s/Mpc. This disagreement is called the “Harber tension” and has not yet been resolved.
Random lumps and bumps on the skin can be pesky and at times, concerning. So it is natural to wonder what is going on beneath your skin. Two common kinds of skin bumps are cysts and abscesses. While they might look similar, they have distinct differences in their formation, the material within them, and their…
Deciding when to enroll your child in school is one of the most important decisions you’ll make as a parent. While it may be tempting to wait until they’re older, early school enrollment offers advantages beyond academics. From boosting cognitive development to enhancing social skills, enrolling your child early can set the stage for long-term…
The start of primary school is a major milestone for both children and parents. As exciting as it is, the transition can also feel overwhelming. So how do you effectively prepare your child for primary school? Below are seven tried-and-true strategies to help your child feel ready and confident for this new adventure. 1. Create…
Gaming has transformed from a niche hobby into a global phenomenon, but along with its rise comes a growing problem: toxicity in gaming communities. This toxic behavior manifests in various ways—harassment, bullying, and hate speech—and can ruin the gaming experience for many. For both players and developers, understanding the problem of toxicity in gaming communities…
If you’ve been diagnosed with a penicillin allergy, especially years ago, it might be time to re-evaluate that diagnosis. Penicillin is a vital antibiotic, and an outdated or misdiagnosed allergy could prevent you from receiving the most effective treatment for infections. Surprisingly, many people who believe they are allergic to penicillin may not actually be…
Renting properties can be a complex topic, especially when it comes to understanding Goods and Services Tax (GST) implications. Many property owners are unsure about whether GST applies to rental income and if so, under what circumstances. This guide will break down the key aspects of GST on rental income for both residential and commercial…
Earthquakes are one of the few natural disasters that can strike without any warning. Unlike hurricanes or floods that offer some time to prepare, earthquakes can occur at any moment, catching us off guard. While we can’t predict when the next big quake will hit, knowing how to prepare can significantly reduce risks and ensure…
Microlearning is gaining recognition as a highly effective educational approach, especially when traditional, lengthy training can be overwhelming. In a world filled with distractions from gamification, content overload, and an excess of visuals, microlearning stands out as a powerful solution for improving knowledge retention and learner engagement. For organizations seeking efficient and flexible training solutions,…
Project management requires a unique blend of skills, training, certifications, and experience to ensure that projects align with the goals of a business or organization. In addition to managing people and technology, project managers must be well-versed in various project management methodologies. One certification that stands out in the industry is the Project Management Professional…
Continuous learning, known as upskilling, is crucial for career growth, especially in the rapidly evolving digital era. In this context, many professionals wonder whether getting an MBA remains relevant as a form of upskilling. The answer is a resounding yes. An MBA continues to provide a valuable foundation, particularly for leadership and management roles. In…