![]() The dynamic “overlapping-generations (OLG) model”, originally based on the seminal work by Diamond (1965) and Auerbach and Kotlikoff (1987), is the workhorse framework for analyzing the impact of government debt on the economy through both, tax and spending channels. These insights generally apply to the workings of other dynamic models used by government scoring agencies.Īs we have discussed elsewhere, government debt reduces economic activity by crowding out private capital formation and by requiring future tax increases or spending cuts to accommodate future interest payments. We provide a small “primer” for policymakers and other readers to understand how PWBM analyzes the impact of debt on the U.S. This introduction to this brief is, by necessity, a bit more technical than found in most PWBM briefs. ![]() When Does Federal Debt Reach Unsustainable Levels? If, instead, they started to believe otherwise, debt dynamics would make the time window for corrective action even shorter. This time frame is the “best case” scenario for the United States, under markets conditions where participants believe that corrective fiscal actions will happen ahead of time. Unlike technical defaults where payments are merely delayed, this default would be much larger and would reverberate across the U.S. Under current policy, the United States has about 20 years for corrective action after which no amount of future tax increases or spending cuts could avoid the government defaulting on its debt whether explicitly or implicitly (i.e., debt monetization producing significant inflation). Larger ratios in countries like Japan, for example, are not relevant for the United States, because Japan has a much larger household saving rate, which more-than absorbs the larger government debt. ![]() debt held by the public cannot exceed about 200 percent of GDP even under today’s generally favorable market conditions. The economics profession has long focused on “debt held by the public”, currently equal to about 98 percent of GDP at $26.3 trillion, for assessing its effects on the economy. “public debt outstanding” of $33.2 trillion often cited by media is largely misleading, as it includes $6.8 trillion that the federal government “owes itself” due to trust fund and other accounting. If financial markets started to believe otherwise, debt dynamics would “unravel” and become unsustainable much sooner. Forward-looking financial markets are, therefore, effectively betting that future fiscal policy will provide substantial corrective measures ahead of time. Summary: PWBM estimates that-even under myopic expectations-financial markets cannot sustain more than the next 20 years of accumulated deficits projected under current U.S.
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![]() ![]() The Bohr model is the one most often depicted when drawing an atom.Quantum and atomic physics can often be an abstract and difficult subject for students to learn.Niels Bohr helped rescue and provide jobs for scientists escaping Germany during the Nazi regime by giving them positions at the theoretical physics institute he ran and helping them get visas to other countries.In his later years, Niels Bohr advocated for openness between nations in atomic weapons development.Niels Bohr was awarded the Nobel Prize in physics in 1922 for his work investigating the structure of an atom.Electrons in circular orbits should emit energy, eventually resulting in their collision with the nucleus.Does not match what scientists would later learn that an electron can be both a wave and a particle.The Bohr model did not describe the changes seen in emission spectra when a magnetic field was present (known as the Zeeman effect).The atomic model could not explain the different line intensities in emission spectra.The emission spectrum of atoms with more than one electron could not be explained. The Bohr atomic model could not accurately describe larger atoms. ![]() Hydrogen and other 1 electron systems are the only ones accurately explained by the Bohr Model Problems with Bohr’s Model When there is more than one electron interactions between the nucleus and electrons become too complicated for the Bohr model. Other ions that also have one electron can also be explained accurately (for example, He +). When there is more than one electron the model does not accurately predict the energies. The Bohr model of hydrogen is the only one that accurately predicts all the electron energies. Previous models had not been able to explain the spectra. Using Bohr’s model of the atom the previously observed atomic line spectrum for hydrogen could be explained. No other model had done this before and was a big step towards the development of quantum mechanics. It is the first atom model that accounts for quantized or discrete energy steps. Thomson in 1904), the Saturnian model (by Hantaro Nagaoka in 1904), and the Rutherford model (by Ernest Rutherford in 1911).īohr’s model is different from the preceding model (the Rutherford model) because electrons can only orbit at certain radii or energy. The Bohr model replaced earlier models such as the plum-pudding model (by J.J. (From Wikipedia Commons) Improvements From Previous Models Each orbit change has a unique energy difference.Ītomic line spectra of hydrogen. And the blue line would be caused by an electron moving from shell 3 to shell 2. For example, the red line would be caused by the electron moving from shell 2 to shell 1. Only light of specific energy (or color) is released, shown by the sharp lines seen in the spectra, not all colors of light. These discrete energy steps are what cause atomic line spectra, like the one seen for hydrogen below. The energy is released in the form of light. When the electron moves from a larger higher-energy shell to a smaller lower-energy one it releases energy. When an electron moves to a smaller shell, it releases energy which we observe as light. The amount of energy absorbed or emitted is dependent on the difference in energy between the shells. For an electron to move to another shell it must absorb or release energy. The closer the shell is to the nucleus, the smaller the energy of that shell. Electrons (blue) orbit in circular shells around the nucleus (red).Įach shell has a specific energy level, and electrons cannot exist outside of these orbits. In this atomic model, all electrons must exist in a discrete shell and can’t be between shells. The planets are held in orbit by gravitational force and the electrons are held in their orbit by the electrostatic or Coulomb force between the electrons and protons. The electrons orbit around the nucleus similar to how planets orbit around the sun. The model is also referred to as the planetary model of an atom. In this model, the electrons travel around the nucleus of an atom in distinct circular orbits, or shells. The model was proposed by physicist Niels Bohr in 1913. In this tutorial, you will learn what the Bohr Model is, how it improved upon previous models of the atom, and what problems the Bohr model fails to solve. ![]() ![]() Before you register your out-of-state paperwork in Colorado, you will need to give the out-of-state. Determine what information you need before you start your case. If you have any questions regarding how to fill out these forms, please contact the Legal Form Help Line. If you are a guardian in another state and you need to do some specific things in Colorado related to the guardianship, you can register your out-of-state paperwork in Colorado. Please keep in mind that each case is different. No portion of any content within this Portal may be reproduced or incorporated into any form except for such personal use (not for resale or Permissive Use Policy: Except as may otherwise be allowed by law, the viewing, printing or downloading of any content, form or document from this Portal is permitted The purpose of modifying or terminating the guardianship or conservatorship in the best interests of the Minor or Protected Person. Use our free printable Temporary Guardianship Form to create a legal agreement. Save time and money on legal document creation. Other forms permit other interested parties to petition the courts to ensure the accountability of guardians and conservators, or for Edit, download and print in PDF and Word format from any device. If you want to be the guardian over an adult, there are many forms you must fill out to open a case. In Missouri, Wards can also lose the right to vote. This includes decisions about their medical care, where they live, who they spend time with, and more. ![]() In a guardianship, the ward loses the right to make their own decisions. The forms can assist the guardianĪnd conservator with meeting their statutory and court-ordered reporting obligations, and with meeting any requirements associated with modifying or terminating the A person called the Guardian makes certain decisions instead of the ward. These forms are designed to be used by guardians, conservators, and interested parties after appointment of the guardian or conservator. Guide and File – Answer Questions Online, Draft Initial Inventories, Conservator Accountings, and Guardian Reports Year Song Artist 1970 'Well Have It Made' The Spinners: single 1973 'Bad Weather' The Supremes: 2002 'The Christmas Song' India Arie : Voyage to India bonus References. Conception: An Interpretation of Stevie Wonders Songs: various Tracks. mp3ĮMD music offers a premium experience that includes unlimited downloads and access to CD quality music. b/w 'Happy Birthday' (from Hotter Than July) 26 20 49. Learn how to download music to your computer. Live concert albums of your favorite band. Top hit songs are in the MP3 format and can be played on any computer, laptop, phone or MP3 Player. But better late than never.Search and download from millions of songs, albums and concerts. Stevie Wonder - Happy Birthday Audio File. Play over 320 million tracks for free on SoundCloud. And some companies even gave King Day off for the very first time this year. You May Also Like: What a Wonderful World (Louis Armstrong) Signed, Sealed, Delivered (Stevie Wonder) Superstition (Stevie Wonder) Arrangements of This Song: View All. 41.6K subscribers Subscribe 135K 43M views 11 years ago Artist: Stevie Wonder Song: Happy Birthday Album: Hotter Than July (EMI 1980). Stream Stevie Wonder - Happy Birthday by Audio File on desktop and mobile. Now? King Day is largely used as a day of service for many. King, with the help of thousands, had accomplished too much and come too far to be stopped by a few companies or a few people who preferred to ignore civil rights history. It speaks to the power of music, the power of the people and to the power of ancestral alignment. Also, despite being signed into law in 1983, the federal government first celebrated King Day on Monday, January 20, 1986. Sometimes it even falls on his actual birthday of January 15. Regardless of the day off or on, it is a federal holiday and federal employees do not work on King Day, which is usually the third Monday of January. ![]() Some, however, do offer it as a floating holiday for employees. In fact, fewer than 50% of American companies recognize King Day. (New Hampshire was the last, in 1999, using it to replace Civil Rights Day.) Yet, it’s 2023 and not all companies are in compliance, though those same companies often happily release Memorial Day, Thanksgiving and Christmas as non negotiable holidays. However, by the year 2000, all states were in compliance. In honor of the anniversary of ASCAP’s founding on February 13, here are 20 alternative bday songs to sing in our repertory, whatever your birthday mood. ![]() Upload, customize and create the best GIFs with our free GIF animator See it. Hill (the reputed writers of Happy Birthday to You), there are tons of other great songs to celebrate the anniversary of your birth. Browse MakeaGifs great section of animated GIFs, or make your very own. And to this day, many companies still won’t allow their employees to have the day to volunteer for the King Day of Service or to volunteer. With all due respect to sisters Patty and Mildred J. One social media post from 2022’s MLK Day claimed that the song was written to promote the movement to make MLK Day a federal holiday. Though the vote passed, some states - and many companies - still refused to honor Dr. About Press Copyright Contact us Creators Advertise Developers Terms Privacy Policy & Safety How YouTube works Test new features NFL Sunday Ticket Press Copyright. Some people have wondered if Stevie Wonder’s song Happy Birthday, which includes King’s name in the lyrics, is connected to the holiday. Stevland Hardaway Morris (né Judkins May 13, 1950), known professionally as Stevie Wonder, is an American singer-songwriter, who is credited as a pioneer and influence by musicians across a range of genres that include rhythm and blues, pop, soul, gospel, funk, and jazz. Let’s consider the second and third sections of the song: On October 19, 1983, the bill passed Senate and on November 2, 1983, President Ronald Reagan signed it into law. The naysayers were ready to vote it down except their plan to use FBI files against King’s memory fell flat. King’s legendary “I Have A Dream” speech, the anniversary of March on Washington for Jobs and Freedom, and the 15th anniversary of King’s assassination, it finally happened. Stevie Wonder, American singer, songwriter, and multi-instrumentalist, a child prodigy who developed into one of the most creative musical figures of the late 20th century, known for the hit songs ‘My Cherie Amour,’ ‘Superstition,’ ‘Higher Ground,’ and ‘You Are the Sunshine of My Life,’ among others. ![]() Then, in 1983, after the 20th anniversary of the Dr. M.L.K Gala at The Atlanta Civic Center in Atlanta Georgia, Janu(Photo by Rick Diamond/Getty Images Getty Images ATLANTA JANUARY 01: Martin Luther King III, Stevie Wonder and Coretta Scott King backstage during. The layer with the windows mostly has 1 x 2 bricks (tan and trans black) placed perpendicular to the walls. Now, let us look at the two layers of bricks that make up each floor (with a total height of 2 bricks or 6 plates). Instead of 42 floors I ended up having 42 x 5/6 = 35 floors in the main tower (the floor count in all the other sections had to be scaled down in a similar manner). In order to use 6 plates instead of 5 for each floor, and still maintain the correct proportions, I needed to scale down the number of floors in the main tower. This is the only instance (out of all the skyscraper models I have designed) where I was forced to compromise on getting the floor count accurate in my model. With 1 x 1 bricks used for the accents, we would have 2 bricks or 6 plates per floor (assuming we use trans black bricks for the windows themselves). If you recall from Part I, the 1/230 scale we are using calls for 5 plates per floor. Using this “corner” brick I can attach 1 x 1 x 5 or 1 x 1 x 3 bricks in the corners. This creates a 2 x 2 corner brick that combines two different colors (in this case I am using Dark Bluish Gray for the window accents). ![]() It involves attaching 1 x 1 bricks with studs on 2 adjacent sides to 1 x 1 technic bricks with holes. It would be considered illegal (strictly speaking) but works well enough. When I originally designed this model, I decided to focus on finding a solution for the corners, and here is the technique I came up with. ![]() It is still not clear what we can do about the corners where we will need tall stacks of 1 x 1 bricks with no easy way to attach them to the main structure. But if we were to make our walls two studs thick, we can have bricks or plates placed horizontally in the inner layer that is hidden from view. These would span the entire height of the tower and there would be no way to add any tan horizontal cross-members (needed to hold the model together) at least in the outer layer of bricks. In LEGO terms, if we were to use tan for the wall color, we would only see tall stacks of tan bricks that are 1-stud wide between the banks of windows on the outside of the model. Looking at pictures of the Empire State Building, we see that the windows alternating with the gray accent panels form unbroken vertical lines on the exterior of the building. Next, we look at how the walls of the main tower are actually built. We had determined the scale ( 1/230) we were going to be using for the model and what that translated to, in terms of LEGO dimensions for the main tower ( 30 x 22 studs). This is done more out of necessity than anything else, because the small scale they are using doesn’t allow for regular walls created by stacking bricks.Ĭontinuing with my process for designing LEGO models of skyscrapers, we return to the example I was using in Part I – the “main tower” of the Empire State State Building. They have internal structures usually built out of technic elements, wrapped with external facades that are composed of plates and other elements like 1 x 2 grille tiles. The 1/650 scale models of skyscrapers built by Spencer Rezkalla and Rocco Buttliere hew closer to real skyscrapers in terms of how they are built. The reason of course, is that it is a lot easier with LEGO to simply stack bricks, than it is to try to mimic the structure of a real skyscraper. The models are hollow for the most part, with no internal framework to support the walls. Ironically, my LEGO models of skyscrapers are built very much like conventional masonry structures with walls created by stacking bricks. These exterior walls form the facade of the building but don’t actually support any weight. Instead, they have a steel framework to which “curtain walls” made of brick, stone or glass are attached. ![]() Michigan Avenue (John Hancock Center)ĭo you know how modern skyscrapers are different from the tall buildings that preceded them (like the Philadelphia City Hall which was the tallest building in the world from 1894 to 1908) ? Unlike masonry-built tall buildings, skyscrapers don’t have load-bearing walls. Different versions of Empire State Building. ![]() You can get your food almost immediately after ordering. It is unlike other restaurants in that serves its food in a quick manner. ![]() The Panda Express food is true, delicious. Additionally, you may add crunchy ingredients like pickled cucumbers or crispy shallots from there as well as condiments like sweet and sour. You may add your choice of meat, such as orange chicken and honey walnut shrimp, to your base of chow mein noodles, fried rice, white rice, brown rice, salad greens, or scallion pancake. Okay, so strictly speaking, it is a wrap that is offered in the Panda Express innovation kitchen. ![]() Your unwavering love of sweet and crispy orange chicken and transportable, on-the-go burritos with all the ingredients are combined in this inventive cuisine hybrid. The orange chicken burrito from Panda Express has people drooling, and for good reason. The meat provides a healthy quantity of protein, while the broccoli provides fiber and iron to keep you fuller longer. Even if this main dish isn’t the model of a healthy meal, it is nonetheless among Panda Express’s top choices. Pin Photo Credit: Panda Express FB Pageīroccoli Beef – For a supper that is quick and simple, try this dish! The succulent bits of sirloin and veggies are covered in a delectable glaze made from a mixture of honey, soy sauce, garlic, and other ingredients. Red bell peppers and onions offer a delicate, delectably sweet contrast to the fiery beef, while the breading maintains its crunch despite being coated in the sweet, sour, sticky sauce. See also Ohayo Menu Prices Panda Express Menu Beefīeijing Beef – The Panda Express Beijing Beef is a popular choice, proving that the concept was successful. It has a lot of umami and is savory and appetizing.įried Rice – Rice that has been prepared and stir-fried in a wok or frying pan is known as “fried rice.” It is usually eaten as a side dish or by itself. Soy sauce, freshly ground pepper, oyster sauce, and toasted sesame oil are all mixed. The side dishes have yet to be described, here are some of them:Ĭhow Mein – The sauce is what gives chow mein all of its flavor and spice. In this item, it is one entrée and one side dish. When you order at Panda Express there are various sizes for their menu items. Its creators are geniuses for utilizing chicken thigh instead of breast, which prevents the bird from drying out. Grilled Teriyaki Chicken – At Panda Express, the Grilled Teriyaki Chicken is seriously underappreciated. Panda Express claims that their food is Sichuan-inspired, which makes sense given that it’s probably the spicier option although it’s not that spicy. There are peanuts, entire roasted chilies that provide smokiness, pieces rather than discs of zucchini, and vibrant bell peppers. Kung Pao Chicken – Kung Pao Chicken at Panda Express is arguably the most intriguing menu item. This is a top-five item and a high school staple. The chicken is very tender, and the onion slivers are delicious. Each string bean in the takeaway container was crisp, the sauce is just right, and there is still a hint of ginger taste. String Bean Chicken Breast – Never has String Bean Chicken misled anyone. No complaints it’s the ideal start to your Panda lunch. The interior is filled with chicken, carrots, cabbage, and glass noodles, while the outside is very crispy. Pin Photo Credit: Panda Express FB PageĬhicken Egg Roll – It’s a shame that ordering this just gives you one egg roll because it’s the tastiest appetizer at Panda Express. Perhaps it’s the absence of fresh scallions, the longing for crab meat chunks, or basically any taste other than sour cream cheese. A fried basket of scallion cream cheese ought to be awesome but eating these from Panda Express made me feel a little unwell. ![]() Panda Express Menu Best SellerĬream Cheese Rangoon – The idea of munching on warm cream cheese globs without having it encased in a jalapeno has a slightly repulsive quality. Since then, the chain has been progressively growing throughout the country. Two years later, in the Westside Pavilion, a second facility was launched. Panda Express was then introduced in October of that same year. Andrew met Terry Donahue, who was then the head football coach at UCLA, and Terry’s brother Dan, who also happened to work in real estate while running Panda Inn. The business was initially so slow that Andrew had to provide freebies and special discounts to get people to eat at Panda Inn. In 1973, Andrew and his father established their first Panda Inn restaurant in Pasadena, California, before expanding throughout the country. ![]() ![]() We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.Ĭalculations are not meant to be credit guarantees and their accuracy is not guaranteed. All examples are hypothetical and are for illustrative purposes. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. Calculate how much cash you will have on hand after selling your home by making additional monthly payments on your loan. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. Total savings Total amount you would save in interest if you made the accelerated payment until your loan was paid in full. Monthly accelerated payment Scheduled payment plus additional monthly payment. Monthly scheduled payment Monthly principal and interest payment based on your original loan amount, term and interest rate. ![]() This payment will be used to reduce your principal balance. Original loan amount The original amount financed with your auto loan, not to be confused with the remaining balance or principal balance.Īdditional monthly payment Your proposed extra payment per month. Loan length (months) Total length, or term, of your original auto loan in months. This can be done simply, and automatically, by clicking the link below:Īnnual interest rate Annual interest rate. If you are seeing this message you will need to download SUN's Java(TM) Plug-in. This Financial Calculator requires a Browser with Java(TM) applet Support. View the report to see a complete amortization payment schedule, and how much you can save on your auto loan! How much interest can you save by increasing your auto loan payment? This financial calculator helps you find out. ![]() local time on June 1) to start the above quest. ![]() Remember, you have until the end of the season (up until 10 a.m. Rewards: Master Ball, 1,000 Stardust, 1000 XP Let’s Go step 5 of 6
![]() was founded in 1927 and is headquartered in Duluth, Georgia. It distributes and sells its products through licensed sales representatives. The Corporate and Other Distributed Products segment provides mortgage loans prepaid legal services that assist subscribers with legal matters, such as drafting wills, living wills and powers of attorney, trial defense, and motor vehicle-related matters ID theft defense services auto and homeowners' insurance home automation solutions and insurance products, including supplemental health and accidental death. The Senior Health segment offers segregated funds and medicare advantage and supplement products. The Investment and Savings Products segment provides mutual funds and various retirement plans, managed investments, variable and fixed annuities, and fixed indexed annuities. The Term Life Insurance segment underwrites individual term life insurance products. The company operates in four segments: Term Life Insurance Investment and Savings Products Senior Health and Corporate and Other Distributed Products. For this survey, a sample of 438 insurance licensing exam or continuing education course takers and 295 securities licensing exam takers was interviewed online, of which 172 prepared for an insurance licensing exam or took an insurance continuing education course with Kaplan and 162 prepared for a securities licensing exam with Kaplan.Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. More than 90% Say Courses Are Comprehensive: These are the findings of a quantitative survey conducted by Kaplan between September 29 and November 4, 2022. For this survey, a sample of 295 securities licensing exam takers and 438 insurance licensing exam or continuing education course takers was interviewed online, of which 162 prepared for a securities licensing exam with Kaplan and 123 prepared for an insurance licensing exam with Kaplan. For this survey, a sample of 295 securities licensing exam takers and 438 insurance licensing exam or continuing education course takers was interviewed online, of which 162 prepared for a securities licensing exam with Kaplan and 172 prepared for an insurance licensing exam or took an insurance continuing education course with Kaplan.Ĥ Out of 5 Students Say Our Prep Is Similar to the Exam: These are the findings of a quantitative survey conducted by Kaplan between September 29 and November 4, 2022. For this survey, a sample of 295 securities licensing exam takers was interviewed online, of which 162 prepared for a securities licensing exam with Kaplan.ĩ Out of 10 Students Say Our Courses Are Comprehensive: These are the findings of a quantitative survey conducted by Kaplan between September 29 and November 4, 2022. For this survey, a sample of 438 insurance licensing exam or continuing education course takers was interviewed online, of which 172 prepared for an insurance licensing exam or took an insurance continuing education course with Kaplan.ĩ Out of 10 Securities Students Recommend: These are the findings of a quantitative survey conducted by Kaplan between September 29 and November 4, 2022. 9 Out of 10 Insurance Students Recommend : These are the findings of a quantitative survey conducted by Kaplan between September 29 and November 4, 2022. For this survey, a sample of 438 insurance licensing exam or continuing education course takers and 295 securities licensing exam takers was interviewed online, of which 172 prepared for an insurance licensing exam or took an insurance continuing education course with Kaplan and 162 prepared for a securities licensing exam with Kaplan. 9 Out of 10 Students Recommend: These are the findings of a quantitative survey conducted by Kaplan between September 29 and November 4, 2022. The group was created in November 2018 and required members to upload and share pornographic material if they wished to be allowed to remain in the group. On Oct 14, 2019, four suspects believed to have been administrators or users of online group SG Nasi Lemak were arrested during an islandwide crackdown. Those found in possession of obscene films face a jail term of up to six months and a fine of up to $20,000. PayLah allows users to set custom usernames that can be viewed by others, so ST was unable to find out the name of the administrator.Ĭirculating obscene materials electronically is an offence in Singapore, and those found guilty can face a jail term of up to three months, a fine or both. Subscription fees can be paid using PayLah via a QR code or a bank transfer.Ĭhecks on the PayLah account linked to the QR code found that it belonged to an account called Wise Asia, while the bank transfer was to be made to a POSB savings account – under the name John. When asked if there were photographs and videos of secondary school students, the administrator, who remained anonymous, said such content was available, and was obtained from “special sources” and not from the Internet. ![]() ![]() The administrator promised “1,000 per cent anonymity”, and said the group routinely switches to backup channels and moves paying subscribers to the new channels. |
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