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Financial Aid Frequently Asked Questions
|General Financial Aid
|The FAFSA (Free Application for Federal Student Aid)
|Changes that affect Financial Aid
|Independent vs. Dependent
|Financial Aid Eligibility
|Pell Grants
|SAP (Satisfactory Academic Progress)
|Student Loans
General Financial Aid
How do I apply for Financial Aid?
A: Go to the Financial Aid Homepage and click on "How To Apply" for details on what you need to do.
What is CCC's Title IV School Code?
What documents do I need to complete my financial aid file?
A: About a week after you have completed your FAFSA, we will inform you (by mail and/or email) of the documents necessary to complete your file. You can check your financial aid status on Self Service. Click on Financial Aid> Financial Aid Status> Select CurrentAid Year > view Unsatisfied Student Requirements to see what we need from you.
What is verification and why was I "selected for verification"?
A: Verification is a process initiated by the U.S. Department of Education or financial aid used to confirm that the information you entered on the Free Application for Federal Student Aid (FAFSA) is accurate. You will be required to submit other documents to financial aid and you will not be considered eligible for federal aid until this process is completed. Between 30% and 50% of all financial aid applicants are selected for verification and some students are selected due to discrepancies or missing information on their FAFSA after file review. We email students at their CCC student email address and send a secure link for students to view any documents needed to verify their file. As a courtesy, we will also send a letter to you at the address you have listed with CCC.
To find out what other documents are required if you are selected, login to Self Service. Click on Financial Aid > Financial Aid Status > Select Current Aid Year > view Unsatisfied Student Requirements to see what we need from you. It is the student's responsibility to respond to our requests for verification documentation. Failure to respond will cause your financial aid file to not be verified, and thus not awarded.
What is Federal Work Study and how do I apply?
A: The Federal Work-Study (FWS) program provides part-time jobs for students with financial need, allowing them to earn money to help pay education expenses. The program encourages community service work and work related to the recipient's course of study. To qualify for Federal Work Study, students must have a complete and verified financial aid file with remaining need; be enrolled and be in Good or Warning SAP status according to CCC's SAP to be considered. Students will also go through an interview process with a prospective supervisor. To apply, FWS Applications and job openings are available at our Federal Work Study page.
When I register for classes will financial aid hold them?
A: Depends. If we have received your FAFSA and you have submitted all required documentation as stated on the Financial Aid Calendar we will award your financial aid which will hold your classes. Please see the Student Accounts page for more information. If for any reason after your file has been verified and it is determined you are not eligible for a grant or loan you will be responsible for payment of your tuition and fees or you will be dropped for non-payment.
How do you process financial aid for summer?
A: Students who wish to receive financial aid in summer must have a complete and verified financial aid file for the current year. Once the student has registered we will automatically award financial aid as long as the student has a complete and verified FAFSA. Pell grants are automatically awarded to students the night that they enroll for summer courses. Summer loans are typically awarded the business day after the student has enrolled in summer classes, as long as the student has turned in a Loan Request Form. For more information go to Summer Financial Aid
Does CCC offer a payment plan or payment deferments?
A: Yes. CCC participates in the FACTS program, which allows students to pay their tuition in installments. For more information on this program you may contact the Cashiering Office at 928-226-4237. You may sign up by going to Student Accounts.
Can my parent(s) or spouse be given information on my file in person or on the phone?
A: You must sign and submit in person a Student Authorization To Release Information form, (Financial Aid Forms) authorizing CCC to release your specific information to the person(s) you have designated. If your parent/spouse wants information in person, their picture ID is still required to verify whom we can release information to regarding your financial aid file. We cannot identify a student/parent/spouse over the phone, which means we will not give out any detailed information on your file. We can only release general information over the phone.
The FAFSA (Free Application for Federal Student Aid)
Is it free to complete a FAFSA online?
A: Yes. The Free Application for Federal Student Aid (FAFSA) is always available at no cost. For the free FAFSA, you must go to https://studentaid.ed.gov/sa/fafsa. Avoid any other websites labeled FAFSA but not affiliated with the U.S. Department of Education. You do not need to pay a company to complete your FAFSA. It is free.
How do I know which FAFSA to fill out?
A: A FAFSA covers an academic year which includes the fall, spring and summer semester. Example: Completing the 2017-18 FAFSA includes Fall 2017, Spring 2018 and Summer 2018 semesters.
I received a Student Aid Report (SAR) by email (or in the mail). What do I do with it?
A: Read it to make sure all the information is correct and CCC is listed to receive your FAFSA information. If everything is correct, keep it for your records. If something is incorrect please come see us.
How long will it take for financial aid to receive my FAFSA information?
A: Generally we receive your FAFSA a week or two after you have submitted it online. You must be admitted to CCC for us to receive your FAFSA information. Be sure you have completed all the requirements with Enrollment Services.
Do I have to fill out the FAFSA again next semester
A: No, you complete the FAFSA once for every Academic Year (Fall, Spring & Summer). You can complete your FAFSA as early as January 1st which is eight months prior to the start of the upcoming Fall semester.
What is this IRS Data Retrieval Tool on the FAFSA?
A: When FAFSA asks for income you are given the option to complete it using the IRS Data Retrieval Tool. The IRS Data Retrieval Tool will display your filed tax information from the IRS and allow you to import it into the FAFSA. Using this tool will insert accurate information and could reduce the likelihood of being "selected for verification" (General Financial Aid Questions). For more on IRS Data Retrieval Tool information please visit our Financial Aid Tax Information page.
Who's my parent when I fill out the FAFSA?
A: Check out this guide to determine whose information should be included on your FAFSA.
Changes that affect Financial Aid
If I drop a class will it affect my financial aid?
A: Probably. Your financial aid may be reduced or canceled and you may owe money back. Talk to us before you drop any classes, for more information on how your aid may be affected go to Award Adjustments. You may also be jeopardizing future financial aid by dropping classes. Please review our Satisfactory Academic Progress (SAP) policy and talk to us before you drop any classes.
What happens to my financial aid if my class gets canceled?
A: You may enroll in another class if classes are available to replace the canceled class. If you do not enroll in a replacement class your financial aid will be adjusted accordingly.
How does the 100% refund deadline and deadline to add affect my financial aid?
A: The "100% refund deadline" and "deadline to add" are both normally the 5th business day of the semester. If you drop a class before this date, your tuition gets refunded, and per federal regulations we typically need to decrease or cancel your financial aid. Click here for more information on financial aid Award Adjustments. These deadline dates are posted online on the Academic Calendar, located on the Enrollment Services page . Dropping classes can jeopardize your future financial aid. Please consult our Satisfactory Academic Progress (SAP) page for more information.
Can I change my major and still get financial aid?
A: Changing a major is a normal thing. Financial Aid requires that you be working toward a degree or certificate. If you change your major too many times and start to accumulate too many credits (150% of the credits required for your current degree or certificate), you will lose financial aid eligibility because you have exceeded a normal time frame to complete a degree. For more information, please visit our Satisfactory Academic Progress (SAP) page. We recommend that you visit a counselor in Student Support Services to decide as early as possible on a major. You may contact them at 928-226-4323.
Independent vs. Dependent
Am I dependent or independent?
A: You are considered an Independent student if at least one of the following situations describes you:
- You were born before January 1, 1996 (2019-2020) / January 1, 1997 (2020-2021).
- You're married as of the date you complete the FAFSA.
- You have obtained a Bachelors degree.
- You are currently serving on active duty in the U.S.Armed Forces (for purposes other than training).
- You are a veteran of the U.S. Armed Forces (or will be a veteran as of June 30, 2021, or you attended a service academy and were released under a condition other than dishonorable).
- You have children who receive more than half their support from you.
- You have dependents other than your spouse or children who live with you and who receive more than half their support from you.
- You are an emancipated minor, as determined by a court in your state of residence.
- You are or were in foster care or were a ward or dependent of the court at any time when you were 13 or older.
- You are a self-supporting unaccompanied youth who is homeless or at risk of homelessness.
You may also visit StudentAid.gov for more information on how to determine your status.
With the exception of your birth-date, we typically ask for documentation to validate that any of the above statements are true. We will notify you of any documents necessary to determine if you are dependent or independent. You can see these required documents by logging in to MyCCC> click on Financial Aid (the piggy bank)> Financial Aid Status> Select Current Aid Year > view Student Requirements. You will see the "Unsatisfied Requirements" list that you are required to submitt.
I've answered NO to all of the independency questions, but I think I should be considered independent.
A: If you cannot answer yes to any of the independency questions but have extenuating circumstances you may submit a Request for Independent Status Appeal, click on the appropriate year Financial Aid Forms page for this document. If you do not meet the criteria for this appeal, you will be required to provide parental information on the FAFSA.
I live on my own and my parents do not support me at all. Am I an "Independent" student for Financial Aid?
A: Not living with your parents and parents not supporting you does not classify you as an independent student. Per federal regulations, the FAFSA has criteria that determine if you are dependent or independent for financial aid purposes. These regulations are not the same as tax law or health care law. The determination on the FAFSA of your dependency status may not concur with what you think it should be. To be considered independent for financial aid purposes you must be able to answer yes to at least 1 of 13 questions in Step 3 on the FAFSA. Use the Dependency status work sheet to assist you in determining if you are dependent or independent. If your answers to the all of the questions is no, then you are dependent and must report your parents' information. If you are independent, our office may be required to collect supporting documentation from you proving your status.You may also visit StudentAid.gov for more information to determine your status.
If I get married after I completed the FAFSA, should I complete a new one with my spouse's information?
A: No. You complete the FAFSA with your marital status as of that day you are filling out your FAFSA. There are circumstances where we can correct your marital status on the FAFSA if you get married at a later date. Please contact our office so that we can better understand your situation.
Financial Aid Eligibility
What is an EFC, and what is it for?
A: EFC stands for Expected Family Contribution. An EFC is calculated when you submit a FAFSA. Based on the information you reported on the FAFSA, the Department of Education uses a formula to calculate how much you and your family are expected to be able to pay towards your education. Your eligibility for federal and institutional aid is based on your EFC.
What is the maximum amount I can make and still receive financial aid?
A: That is dependent on how the Department of Education classifies you. If you are independent your eligibility is determined from your income and/or your spouse's income from the previous tax year. If you are dependent your eligibility is determined from your income and your parent's income from the previous tax year. Fill out the FAFSA to find out.
Can I receive financial aid at CCC and another school?
A: You may not receive Pell Grant or loans at two schools at the same time. You may be able to enter into a consortium agreement, which allows you to count the credits taken at both schools towards the school that is providing the financial aid. Visit Consortium Agreements for more information on Consortium Agreements.
How many credit hours must I be registered in to receive financial aid?
A: You can take as few as 1 credit hour per semester and still receive financial aid if you have been determined to be eligible by the Department of Education and CCC. If you are approved for a loan you must be enrolled and attending for at least 6 credit hours per semester.
How will I know if my classes count towards my degree or certificate?
A: Students can:
- Meet with an academic advisor by visiting the Lone Tree campus or calling 928-226-4323. OR
- Sign-in to myCCC > Click on Degreeworks > On your Degreeworks worksheet, look at the classes you have registered for. If your classes do not apply to your degree, they will fall into the section that reads "Not Degree Applicable." If a class shows up under the "Not Degree Applicable" section, then financial aid cannot be used to pay for it with the exception of any developmental/ remedial coursework (coursework below 100 as well as MAT 111, 121, 122) which is fundable with financial aid.
I want to take a couple of classes at CCC so that I can transfer them somewhere else. I don't want to get a degree from CCC. Can I get financial aid at CCC?
A: No, not from CCC, but possibly from the other College. Per federal regulations, in order to receive financial aid, you must be enrolled as a regular student in an eligible program for the purpose of obtaining a degree or certificate from the college you are receiving financial aid from. If you are at CCC taking a few classes to transfer to another college, but are not seeking a degree, you are not eligible for financial aid. If you are in this situation, we recommend that you contact the financial aid office at the college that you are pursuing a degree at and ask about your options for being funded financial aid using a consortium agreement from that school in partnership with CCC. You must be seeking a degree or certificate at CCC in order to receive financial aid.
What is a Cost of Attendance and Financial Need?
A: A standard Cost of Attendance (COA) is an estimate of your educational expenses for the period of enrollment. The COA includes tuition & fees, allowance for books & supplies, housing & food, transportation and personal expenses. Financial need is then calculated by taking your COA minus your EFC (Expected Family Contribution) to total your financial need (COA - EFC = NEED). We use your "need" to determine your eligibility for need based aid such as grants, Federal Work Study and Federal Subsidized loans. Click here to see CCC's Cost of Attendance.
How many times may I repeat a course and still receive financial aid?
A: Students who fail or withdraw from a class may repeat the class and receive financial funding again if, and only if they have not been suspended due to Satisfactory Academic Progress. Students who pass a course (A,B,C,D or S) and wish to take it again may do so one time with financial aid funding. If a student attempts to take a passed class for the third time, they will be denied financial aid funding for it. For example, a student earns a grade of D, then repeats the course and earns a grade of F, the student is not eligible to receive financial aid funding a third time in an attempt to improve their grade.
What is the Pell Grant Eligibility limit (Pell LEU)?
A: Beginning in Fall 2012, students are now limited to 600% Lifetime Eligibility of Pell Grant or 12 full-time semesters (or its equivalent). Students that are currently receiving Pell Grant and would have reached or exceeded their Lifetime Eligibility Used (LEU of 600%) will no longer be eligible to receive Pell Grant. This change affects all students regardless of when or where they received their first Pell Grant.
The maximum amount of Pell Grant funding a student can receive each year is equal to 100%. Each full-time semester equates to 50% of your total LEU which yields a maximum percentage of 600% for 12 semesters. This means that:
If you received a full-time federal PELL award for both the fall and spring semesters, you have used 100% of your 600% lifetime maximum;
If you received a half-time award in the fall semester and a full-time award in the spring semester, you have used 75% of your 600% lifetime maximum;
If you received a half-time award in the fall semester and a half-time award in the spring semester, you have used 50% of your 600% lifetime maximum;
The Department of Education keeps track of your LEU by adding together the percentages of the Pell Grant awards that you received for each award year.
To view your LEU, log on to the NSLDS (National Student Loan Data System) Student Access Web Site using your Federal Student Aid PIN. The LEU will be found on the Financial Aid Review page.
For more information about Pell Lifetime Eligibility visit the Federal Student Aid website.
I see my financial aid is awarded so when will I receive it and how?
A: First disbursement of financial aid funds are released based on confirmed enrollment, attendance and participation in your classes which occurs about three weeks from the first day of class. Same rule applies for late start classes. We recommend you sign up for direct deposit so that you do not have to wait for your check to arrive in the mail. Checks will take a few more days to arrive in the mail. Please visit our Disbursement page for more information.
I am separated from my spouse (parents are separated if you are a dependent student) so do I have to count my spouse's information on the FAFSA?
A. It depends. In most cases, documentation of a legal separation is required. A document from the court that the separation was filed will suffice, it must show the submission date and have court signatures. In situations where divorce paperwork has been filed with the court but not finalized, our office requires a copy of the paperwork showing the submission date to the court. This documentation will be accepted for one academic year, the following academic year the student must submit final divorce paperwork that includes the court signature(s).
In extenuating circumstances, when a legal separation is not possible, a documented informal separation may be accepted. To prove informal separation our office requires evidence that you and your spouse (parents for dependent students) were living apart continuously for the last 6 months of the last calendar year by requesting at least two forms of documentation, such as: rent checks, copies of leases from both parties, copies of utility bills, photocopies of driver's licenses showing different addresses, a letter from a third party certifying that the spouse was living with them, etc. The proof of maintenance of separate households is a key concept in determining informal separation. Students submitting documentation for an informal separation must resubmit current documentation each year.
Pell Grants
Are Pell Grants available in Summer?
Yes, students may receive Federal Pell Grant for a summer term even if they received a full Federal Pell Grant during the fall and spring semesters. Year-round Pell allows students to receive up to 150% of a regular Pell grant award over the course of the academic year so that they can continue taking classes in the summer and finish their degrees faster.
With careful planning, Pell Grant recipients may take advantage of this regulation to earn their degree faster. Students should consult with their academic advisor to develop a manageable course load for the shorter summer term. Just because students may be eligible for full-time Pell Grant funds does not mean students are required to carry a full-time load.
To be eligible for year-round summer Pell Grant funds:
- students must be eligible to receive Pell Grant funds after verification of the FAFSA information.
- students must be maintaining satisfactory academic progress.
- students must be enrolled at least half-time (6 credit hours) during the summer term if they have already received a full-time Pell Grant for both the preceding fall and spring semesters.
SAP (Satisfactory Academic Progress)
For additional SAP information, please visit our Satisfactory Academic Progress (SAP) page.
What does it mean to have to maintain SAP to remain financial aid eligible?
A: Per Federal regulations, a student receiving Title IV Federal funds (financial aid) must maintain Satisfactory Academic Progress (SAP). SAP is checked at the completion of every semester by monitoring grade point average (GPA), total credit hours earned and total credit hours attempted (150% rule).
Financial aid recipients must:
- Maintain a cumulative GPA of a 2.0 or better
- Complete credit hours at a cumulative rate of 66.66% and,
- Not exceed 150% beyond the total credit hours required to complete their program/major.
What does SAP Check Pending in my Self Service Banner status mean?
A: This means Financial Aid will be checking your academic progress at the end of the current semester to determine your eligibility for the upcoming semester. Semesters that haven't occurred yet will usually have this status listed. Pay special attention to the current semester to ensure you're aware of your status.
If I'm on 'Warning' or 'Probation' am I still eligible to receive Financial Aid?
A: Yes. but you will need to meet certain criteria to be removed from Warning or Probation and placed into Good standing. Visit our Satisfactory Academic Progress (SAP) page on how to maintain Good financial aid status.
What is Academic Plan?
A: You are allowed to receive financial aid, but we have placed restrictions and terms that you are required to follow to receive it. We work with academic advisors to ensure your success. As part of an academic plan we may require you to take certain courses, a reduced course-load or require you to meet with advisors throughout the year. You are placed on academic plan so that we can assist you in being successful.
What is Suspension?
A: Students on financial aid suspension are not eligible to receive Title IV aid, which includes grants, loans, federal work study and some scholarships. To return to Good standing you must complete the suspension requirements listed in our Satisfactory Academic Progress policy. If you have extenuating circumstances that led to your suspension status, you may submit a Satisfactory Academic Progress (SAP) Appeal.
Why am I on suspension and what can I do to get my financial aid back?
A: Financial aid suspension results when a student does not satisfy the financial aid requirements. Students who meet all the Satisfactory Academic Progress (SAP) standards will be eligible for financial aid. Please visit our Satisfactory Academic Progress (SAP) page to read about financial aid SAP standards. To resolve your suspension status, please read "Resolving Financial Aid SAP Suspension" to begin the process for completing the suspension requirements. If you have extenuating circumstances that led to your suspension status, you may submit a Satisfactory Academic Progress (SAP) appeal, which is located on our Forms page..
Student Loans
What are Direct Loans?
A: Loans made through a program called the William D. Ford Federal Direct Loan Program are referred to as Direct Loans. These loans are borrowed directly from the U.S. Department of Education. Direct Loans include subsidized and unsubsidized Direct Stafford Loans and Direct PLUS Loans.
How do I get a loan?
A: Please visit our Student Loan Information page for the steps you must take to apply for a loan.
How much can I request for loans?
Direct Loan Annual Loan Limits at Coconino Community College
|Grade Level
|Dependent Students
|Independent Students
|Freshman (0 - 29 credits)
|*$5,500 per Academic Year- up to $3,500 of this amount may be in subsidized loans.
|*$9,500 per Academic Year - up to $3500 of this amount may be in subsidized loans.
|Sophomore (30+ credits)
|*$6,500 per Academic Year- up to $3,500 of this amount may be in subsidized loans.
|*$10,500 per Academic Year - $4,500 of this amount may be in subsidized loans.
* These amounts are for an academic year (Fall + Spring + Summer).
Loans requested for one semester only must be prorated (or reduced) and will be awarded in two equal disbursements: one at the beginning of the semester, and one at the mid-point of the semester, per Federal Regulations. If you borrow the maximum academic year amounts for which you are eligible in the fall and spring semesters, you will not have any eligibility left for the summer semester. If you are considering summer attendance, budget accordingly.
What are the interest rates for Direct Loans and Direct PLUS Loans?
Fixed Rate Loans
|Loan Type
|Date of First Disbursement
|Fixed Interest Rate
|Undergraduate Students
|Direct Subsidized and Unsubsidized Loans
|7/1/19 – 6/30/20
|7/1/18 – 6/30/19
|7/1/17 - 6/30/18
|7/1/16 - 6/30/17
|7/1/15 - 6/30/16
|7/1/14 - 6/30/15
|7/1/13 - 6/30/14
|Direct PLUS Loans
|7/1/19 – 6/30/20
|7/1/18 – 6/30/19
|7/1/17 - 6/30/18
|7/1/16 - 6/30/17
|7/1/15 - 6/30/16
|7/1/14 - 6/30/15
|7/13/13 - 6/30/14
What is a subsidized and unsubsidized loan?
A: A subsidized loan is awarded on the basis of financial need. You will not be charged any interest until your enrollment drops below 6 credits or you graduate or leave school. The federal government "subsidizes" the interest while you are enrolled in school in at least 6 credit hours.
An unsubsidized loan is not awarded on the basis of financial need. You will be charged interest from the time the loan is disbursed until it is paid in full. If you allow the interest to accumulate, it will be capitalized; which means the interest will be added to the principal amount of your loan and additional interest will be based upon the higher (capitalized) amount. You do have an option to pay the interest only while you are enrolled in school which will then lessen the amount you will have to repay.
What is the 150% Direct Subsidized Loan Limit?
A: Effective for new Direct Loans for which the first disbursement is made on or after July 1, 2013, Direct Subsidized Loan eligibility is limited to a maximum of 150% of the student's current academic program. Read for more information on the 150% Federal Direct Subsidized Loan Limit.
My parent was denied a PLUS loan. What do I do now?
A: If a parent is denied a PLUS loan due to credit, the parent borrower may want to reapply with an endorser who would be willing to cosign. If this is not an option, the student may request to be considered for additional unsubsidized loan.
If I had a FFELP loan before how will changes to Direct Loans affect me?
A: Your loans may be serviced by different entities, which means you once you leave school you may be paying off two or more servicers. If this happens to you we recommend you contact your loan servicers to see if they can be consolidated with one servicer.
Are there additional requirements I have to complete to receive my Direct loans?
A: Yes, please go to our Student Loan Information page for those requirements
I received Direct Loans at NAU and signed an MPN (Master Promissory Note), do I have to sign another MPN?
A: If your MPN has not expired, no, you do not have to sign a new MPN. Direct Loan MPN's expire 10 years from the day you sign it online. If you are unsure about if your MPN will work, we recommend that you complete a new one. Please visit our Student Loan Information page.
I have now completed the loan requirements, when will I receive my loan money?
A: First loan disbursement of funds is based on confirmed enrollment, attendance and participation in your classes which is about three weeks from the first day of class. If you are a first-time, freshman borrower CCC must wait at least 30 days from the first day of class to disburse loan funds, per Federal Regulations. We recommend you sign up for direct deposit so that you do not have to wait several extra days for your check to go through the mail. Please visit the Financial Aid Disbursement page for more information.
Why do I need to wait 30 days to get my loan money?
A: If you are a first-time, freshman borrower CCC must wait at least 30 days from the first day of class to disburse loan funds, per Federal Regulations. We recommend you sign up for direct deposit so that you do not have to wait several extra days for your check to go through the mail. Please visit the Financial Aid Disbursement page for more information.
If I borrowed FFELP loans in the past and then receive a Direct Loan, will my FFELP loan still be deferred?
A: Yes. As long as you are enrolled in at least 6 credit hours in college your loan repayment will continue to be deferred.
How will loan repayment work if I've borrowed FFELP and Direct Loans?
A: When you go into repayment, you will have to make two separate payments to both your FFELP lender and U.S. Department of Education unless your FFELP loan has been sold to the Department of Education. You do have the option to consolidate with the Direct Loan program so that you will have only one monthly payment. You can begin the process of consolidating your loans here.
I've received my loan check but I don't need that much. Can I return some?
A: Yes, you have 14 days to return all or part of your loan. Within the 14 days you are able to return the amount directly to CCC and financial aid will then send that amount back to the Department of Education. The amount that you return will be deducted from the total amount of your loan you have borrowed.
Why does my loan come in two disbursements? When will I get the second disbursement?
A: Fall and Spring loans must be awarded in two equal disbursements: one at the beginning of fall semester and one at the beginning of spring semester. Single semester loans (fall only, spring only or summer only) will be awarded in two equal disbursements: one at the beginning of the semester, and one at the mid-point of the semester. We do this per federal regulations.
If I want to start repaying my loan while I'm still in school, do I pay the school?
A: No, once your loan has been disbursed to you it is now in the hands of the Department of Education. You need to contact the Direct Loan Servicing at the Department of Education if you would like to start making payments towards your loans.
My FFELP loan (from a bank) just got sold. Now what do I do?
A: Due to economic conditions, the Department of Education has been buying loans from FFELP lenders. If your loan was sold to Department of Education, you will receive notice from your original lender and from the Department of Education. Your loan debt is now with the Department of Education, but the terms of your loan remain unchanged. Some lenders refer to this as the "PUT" program. If you hear that your loan has been "put," that means it has been sold to the Department of Education. You can see your loans by going to the National Student Loan Data System (NSLDS),
I just started going to school again, how do I defer loan repayment?
A: In order to delay having to start repaying your loan, your lender needs to verify that you are enrolled in at least 6 credit hours at a post-secondary institution. To complete the enrollment verification process, you must login to Self Service> Student Services> Student Records> Enrollment Verification> choose the current Aid Year and continue to read the instructions.
What is a Lifetime (or Aggregate) limit?
A: An Aggregate is a limit of the total amount, or total sum, of Stafford loans a student can borrow throughout their entire college experience. The total that an independent undergraduate student can borrow while enrolled in college is $57,500 ($23,000 of that may be in a subsidized loan). A dependent undergraduate student can borrow a total of $31,000 ($23,000 of that may be in a subsidized loan).
How do I keep track of my loan history?
A: It is a good idea to keep track of the amount of loans you have borrowed throughout college. The National Student Loan Data System (NSLDS), is the U.S. Department of Education's database for student financial aid records. NSLDS allows students to manage their student loans and grants online.
What is loan default and how will it affect me?
A: Loan default occurs when you fail to repay a student loan according to the terms you agreed to when you signed the Master Promissory Note (MPN). You will go into default on your loan if you do not make a monthly payment for 270 days. If you default on your student loan:
- You lose eligibility to defer payments
- You could be charged collection costs
- You may lose federal and state income tax refunds
- You lose other federal or state payments
- Your Social Security benefits could be garnished
- Your wages could be garnished
- You lose eligibility for other student aid and assistance under most federal benefit programs
- The Department of Education could take legal action
- You may lose a professional license
- Your credit rating will suffer- anybody who pulls your credit score will see the default
- You interest rates may increase
What is loan consolidation?
A: The combining of a number of loans into a single new loan. Consolidation may lower your monthly payment with different interest rates and typically extends your repayment period. However, there could also be some disadvantages. To consolidate, you must be in your six-month grace period or in repayment of your loans. Please visit Direct Consolidation Loans for more information.


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This manual describes the general operation of an Evolve™ 350 column fitted with 10mm i.d. tubing (High Flow kit)
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General operating instructions for the Evolve™ 200 & 250 mm i.d. columns including specifications, chemical...
Most Recent Flipbooks
EvolveD™ Technical User Guide
Refresh kit fitting guide 350 Column High Flow
EvolveD™ Disposable Column Brochure
A pre-packed, ready to use bioprocess column format. Designed for use with PBL and most other manufacturers adsorbents.
Evolve™ Bio-process Column Refresh Kits
The refresh kits replace all wetted components of the Evolve™ bioprocess columns, eliminating the risk of product carry-over and more.
Evolve™ Bio-process Column brochure
Contains technical and operational information on the Evolve™ range containing 70 mm, 100 mm, 140 mm, 200 mm, 250 mm and 350 mm column diameter columns.
Animal Free Statement Evolve Columns
EvolveD™ EtoxiClear™ Technical User Guide
EvolveD™ - Validation Support Document
This document contains information regarding materials used to construct the EvolveD™ columns, their resistance to different solutions and extractables & leachables data.
General Operating Manual for Evolve™ 350 Column with Low Flow kit
This manual describes the general operation of an Evolve™ 350 column fitted with 6mm i.d. tubing (Low Flow kit)
Evolve™ Bio-process Columns: Accessories Guide
The Evolve™ process columns have many additional accessories for the range including disposable valves & bubble traps, support brackets and connectors.
General Operating Manual (70 to 140 mm)
Operating instructions for the Evolve™ chromatography columns 70 to 140mm id. include specifications, chemical compatibility and spare part details to complement the semi disposable approach..
General Operating Manual (200 mm & 250 mm)
General operating instructions for the Evolve™ 200 & 250 mm i.d. columns including specifications, chemical compatibility and spare part details to complement the semi disposable approach.
Evolve BioProcess Columns - Validation Support Document
This binder contains validation support for all materials used to construct the Evolve™ bio-process columns. This includes material certificates for all wetted components to support the single use app
4 Port 2 Way Valve - Validation Support Document
This document contains the validation support document for the Evolve™ bio-process column accessory: 4 Port 2 Way Valves.
Evolve BioProcess Column - Replacement parts guide
This document shows the contents of each of the spare part kits available for the Evolve™ chromatography columns.
Tube Replacement Kit - Fitting Guide
Instructions for replacing the disposable bio-process column tube on an Evolve™ column.
Bubble Trap - Fitting Guide
How to guide on fitting the bubble trap to an Evolve™ bio-process column. The bubble trap will prevent air being introduced into the column and will also dampen any pulsation caused by the pump system
Support Bracket - Fitting Guide
Instructions for fitting the support bracket for the Evolve™ bio-process columns. The bracket can be used to support valves, tubing and other accessories.
Column Isolation kit - Fitting Guide
This kit allows the column the to be isolated from a chromatography system or pump, eliminating possibility of introducing air and protecting the column.
Column flow reversal kit- Fitting Guide

subset: commoncrawl


text: Find this wine Find this wine Silver Oak Cabernet Sauvignon 2007 Recommended 2007 Alexander valley Cabernet Sauvignon - excellent one of my favorites Pin It Tweet 7 years ago by Mmbressi33 More posts Silver Oak 2010 Cabernet Sauvignon Unbelievable 4 years ago by Diannachane Silver Oak 2005 Alexander Valley Cabernet Sauvignon personal cellar 4 years ago by Diane L. Line Shack Cabernet Sauvignon Bottle Like silver oak total wine 4 years ago by Whitehousecw Silver Oak 2009 Cabernet Sauvignon Iconic 2009 Alexander Valley Silver Oak Cab from the 2014 Napa Valley trip. Worth every penny as an upscale red 🍷🍷🍷🍷 4 years ago by Ed's Wines Silver Oak 2009 Cabernet Sauvignon Wine Bottle Jay & Nat brought. 5 years ago by Janroberts25


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Posts Tagged 'Doors'
A Securing Your Home – Steel Exterior Doors
Recent years have noticed a surge in the number of reported burglaries together with home invasions. The degree of home transgression incidents that are recorded in a mere the last 36 months in the world alone is usually alarming. In spite the greatest efforts of law enforcement officials on any local level, the law-breaking rate retains increasing as well as there is very much no result in sight to the current trend. We have are crucial we happen to be doing exactly what we can to guard our households, families along with possessions. One way that people can accomplish this is tee trying steel outdoor doors at our home to keep out people who would can bad matters. They appear in a lot of styles and give a varied quantity of options to slip any homeowner's requires. You should just be sure you replace each of the exteriors doors of your house with ideal steel external surfaces doors when getting the largest benefit that you may from the employment of the entrance doors.
Of course you desire your property to these days only always be safe but additionally beautiful. You might concerned that you're the use of these opportunities, then the design of people home may very well be diminished. They can be a just not in reality, they include a wide range of styles and can include many options which will fit the overall look and feeling of your household. You can usually get them having windows, show panels, impure glass, frosted magnifying glass panels, and better. The neatest thing about these is the belief that they are usually painted for you to any color that you want and several even feature outer films that are created from real wooden veneers to grant the look of a compelling wood gates but along with the weight and additionally indestructibility off metal side. The neatest thing is that should you not find what you are researching for in regards to your potential customers you may always keep these things custom intended to order. They can be a perfect solution but if the home includes a very different or abnormal design that you might want the doors to slip into easily.
You may additionally find yourself having to worry about this durability about steel external surfaces doors. You'll have heard that they can rust available easily or are usually dented utilizing little hard work. The fact is that high-quality steel external surfaces doors can easily with withstand even by far the most sever connected with impacts and never receive injury. You might also want to know how the newer types of rock exterior doors are made to be fully rust data and potent enough for you to last forever.


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This Saturday, I'm going to be part of a fantastic concert!
I don't think I mentioned it before — whoops! — but my original song I'm a Fool for You was chosen by a jury to be part of Yukon Women in Music's newest CD.
(Just look at the artwork! Isn't it gorgeous? The painting in the background was donated by local artist Emma Barr.)
The gorgeousness keeps going inside the album, too. Fourteen songs are on it, in all sorts of styles, and I can't stop listening to it.
And you can hear them all live at the Yukon Arts Centre this Saturday evening. I'm so excited, I could bust!
There'll also be a reception afterward, so you can have your CD signed by your favourite artists and view the original painting by Emma Barr. (Which, by the way, will be going up for auction in a month or two.)
You can get your tickets on the Arts Centre website or by phoning the box office at 667-8574.
(Our last CD release concert sold out, so do get your tickets!)
Now, should I go with the long red gown… or the crazy colour-shifting shoes…?


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Ingredients and Preparation
- Pour liquid milk into a deep bowl.
- Add dry milk and beat slowly with beater until dry milk is dissolved (usually less than five minutes).
- Refrigerate and serve cold.
Tip: If it tastes too strong, start with ½ cup of dry milk powder and gradually work up to 1 cup.
Use fortified milk when making:
- Macaroni and cheese
- Puddings and custards
- Cream sauces for vegetables
- Mashed potatoes
- Cocoa
- French toast or pancake batter
- Soup


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Seventies Running Team
The Amateur Athletic Association Seventies Running Team Lucca was founded by a group of friends, all born in the 70s, bringing together all running lovers proposing to participate in competitive/noncompetitive sporting events. The Seventies Running Team Lucca organizes and engages passionate people who are willing to travel and take part in projects that reflect the interests of the city of Lucca. Since its founding in 2013 to date, the Association has about one hundred registered athletes boasting participation in marathons and other important competitive races within the international scene. The Associations modern approach, with particular attention and sensitivity to social issues, has inspired CCH Tagetik to support them in the belief that through competitive sports combined with the generosity with which the Seventies Running Team Lucca approaches rising issues of the city of Lucca, can contribute to the growth of a human territory dear to our company.
2017 CCH Tagetik Calendar
"Colours of Heroes" is the theme of the photo contest for the 2017 CCH Tagetik Calendar. The theme reflects the recent campaign launched by CCH Tagetik, "Be a Finance Hero". Participants were asked to submit photos that had a color palette similar to the logo of the super hero of the month. The photos were selected by an external jury.
This year CCH Tagetik has decided to donate all calendar sales proceeds to the City of Amatrice. Amatrice was the city most affected by the August 2016 earthquakes in Italy, the city's Administration council has set up a bank account to receive donations.


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But although the 300GW mark was passed last year, the rate at which wind power growth slowed, or stopped altogether, in many countries and regions gives cause for concern. The 34.5GW of capacity added across the globe was 10GW down on the previous year, and the lowest since 2008. Political instability, policy uncertainty and investment inadequacy are themes common to many of the market status reports on the following pages. It was another year where many so-called emerging markets remained stubbornly submerged.
China provides the outstanding exception to the 2013 rule, the country installing very nearly as much new wind capacity during the year as Europe and North America combined. It now has more than 75GW online, nearly a quarter of the worldwide total, and shows no sign of cutting back in the foreseeable future.
With China leading the way, the global outlook for wind power in 2014 looks more promising. The US is now back on the path to building, South Africa is poised to make its presence felt, and there are good prospects for growth in Brazil, Mexico and India.
Offshore wind accounted for just over 5% of 2013's new capacity, virtually all of it in Europe, and most of it in UK waters. Whether 2014 is the year that the US finally starts installing offshore remains to be seen.
Windpower Monthly's international correspondents offer comment and analysis on every major wind country's achievements in 2013, and the prospects for this coming year.
Some figures have been rounded, so there may be minor discrepancies between the sum of a set of data and the overall stated total.
A tale of two continents
While Asia Pacific enjoyed healthy growth last year, led by a resurgent China, a sharp drop in additions in the US hit the North American 2013 installation figures. Meanwhile, Europe experienced steady growth.


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Given the buzz surrounding Knight Rider and Speed Racer, we're surprised we haven't seen more people flipping out over the possible reamke of The A-team. Fox seems to get that nostalgia plus questionable acting equals buzz and has John Singleton (Boyz N The Hood) in the wings to direct. Oh, and Ice Cube may play B.A. Baracas!
According to Variety, the latest version involves a group of Iraq vets on the run from the U.S. Military for crimes they didn't commit ("that wasn't our naked pyramid"). But the line that has us really excited is this:
"[The] story has been given a modern twist by involving oil tycoons and laser technology."
Need we say more?
The big question, of course, is it going to be a classic GMC van, a new GMC Sierra or, as our tipster put it "will Ford usurp the General's place in yet another 80's revival?" We actually think the Ford Flex could make a good ride if they're going in that direction. What does everyone think?(Hat tip to ThnderbltDoherty) [Photo of A-Team Limo story Variety]


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Tab navigation
- Most recent
- News release finder- selected tab,
To use the news release finder, click the date and subject of the news release you are looking for to narrow the list. To broaden your list, click "remove" or "remove all."
To use the news release finder, click the date and subject of the news release you are looking for to narrow the list. To broaden your list, click "remove" or "remove all."
|18 Jan 2018:
|IBM Reports 2017 Fourth-Quarter and Full-Year Results
|18 Jul 2017:
|IBM Reports 2017 Second-Quarter Results
|29 Sep 2016:
|IBM Announces Planned Acquisition of Promontory to Transform Regulatory Compliance with Watson
|28 Sep 2016:
|Clarient Global Adopts IBM Cloud, VMware for Enhanced Private Cloud Capabilities
|02 Jul 2014:
|Vissensa Selects IBM Enterprise Cloud System to Improve Performance and Deliver New Services for Customers
|20 Dec 2013:
|Allianz Concludes IT Operations Service Agreement with IBM for Data Centers Operation Support
|19 Dec 2013:
|IBM Teams with Eurobank to Deliver First-Ever Cloud-Based Digital Experience for International Trade
|06 Aug 2013:
|New IBM Flex Systems Allow Clients to Build Larger Clouds in Smaller Data Centers
|23 Jul 2013:
|IBM Boosts zEnterprise Mainframe Portfolio to Help Clients Build Better Customer Experiences
|20 Jun 2013:
|Thermax Ltd Chooses IBM PureSystems and SmartCloud Over Cisco and Dell
|10 Jun 2013:
|Freight and Transportation Giant Damco loads up IBM PureSystems to help meet Business Demands
|10 Jun 2013:
|Tongliao City Turns to IBM PureSystems to Spur Economic Development
|30 May 2013:
|IBM Helping Brazilian Companies Improve Customer Service in Key Growth Market
|30 May 2013:
|Trimax adopts IBM PureSystems to meet growing customer cloud infrastructure needs
|23 Apr 2013:
|Seguros El Norte Updates IT Infrastructure With IBM PureSystems; Adding New Social and Mobile Capabilities for Insurance Customers
|13 Mar 2013:
|IBM PureSystems Help in Search for Natural Gas for China's Chuanqing Drilling Engineering
|27 Feb 2013:
|Online Retailer LabelSneak Captures Consumer Attention with Unique Shopping Experience
|26 Feb 2013:
|The Cheesecake Factory® Tackles Big Data with IBM Analytics for an Exceptional Brand Experience
|26 Feb 2013:
|IBM Launches Cloud-Based Analytics and Mobile Initiatives for Global Ecosystem to Capture New Markets
|05 Feb 2013:
|IBM Forges New Routes to Market with Power and Storage Systems Tuned for Big Data and Cloud Computing


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Loan Against Car Johannesburg
Struggling to keep up with your financial duties? Loan Against Car Johannesburg comes to your rescue with loan services that are designed to ensure that the loan you are getting is for you and not someone else. Give us a call for same day payments and professional loan services you can always rely on.
Loan Against Car Johannesburg secures your cash fast through same day loan services.
- Collateral car loan Johannesburg
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- Pawn your car and still drive it Johannesburg
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- Pawn car title Johannesburg
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For the best in loaning services against your car, we advice firstly being honest with yourself and what you need at that moment. Our customers get the best of both worlds, that includes pawn car and drive it Johannesburg.
At Loan Against Car Johannesburg we have offered so many loans in the past that we tend to think that some of those people are always ready for the next level but that is far from the conversation.
At Loan Against Car Johannesburg we always take care of customers because without them our business is truly nothing thus protecting our customers becomes a need for success.
We provide you with the following Loan Against Car services:
- Loan Against Car Amount Inspection
- Vehicle inspection services
- Document verification services
- Loan Extensions
Loan Against Car Johannesburg makes applying for a loan a quick drive to the corner store!
At Loan Against Car Johannesburg we have seen many customers come and go due to not having all the required details before applying for a loan. Make sure that you know what is required from you before applying for a loan.
Loan Against Car Johannesburg will need the following in order to start processing your loan and ensure that you get the money you are looking for:
- Car Ownership Documents
- Identity Documents
- 3 Month latest Bank Statements
Loan Against Car Johannesburg is a big deal with loan experts that make it a pleasant experience!
Big Deal Loan Against Car in Johannesburg
Yes, it can be a big deal when getting a loan against your car the first time. We provide customers with a process that will help you mentally prepare yourself and ensure that you doing what is best for you.
Expert Loan Against Car Johannesburg
Working with people who extensive experience in the loaning business will help you make a better deal because you have to ensure that you get your car back and that all parties involved in the deal can make the most out of it. Always ensure that you are working with people who know exactly what they are doing.
Our loan experts are a team of highly experienced financial experts who have over 25 years in the financial industry and they ensure that the company and the customer strike a mutually beneficial deal.
At Loan Against Car Johannesburg we strive to make getting a loan against your car is simple as possible. Get in touch with us for guaranteed same day loans that is well known for providing you with the cash you need today!


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Previous media releases
UBS appoints David Aufhauser Global General Counsel for UBS's Investment Bank
UBS announced today the appointment of David Aufhauser to the position of Global General Counsel for UBS's Investment Bank and to UBS General Counsel, North America.
He will succeed Bob Dinerstein, who has informed the firm of his decision to step down from his current role, having reached UBS's customary retirement age. In order for UBS to continue to benefit from Bob Dinerstein's experience and counsel, he will be appointed Vice-Chairman of the Investment Bank, Americas, and will con-tinue to be a member of the Investment Bank Board.
In his new role, effective as of September 1, 2004, David Aufhauser will report to John Costas, Chairman and Chief Executive of UBS's Investment Bank, and Peter Kurer, Group General Counsel of UBS. David Aufhauser will be a member of the UBS Group Managing Board.
David Aufhauser was previously General Counsel of the U.S. Department of the Treasury, providing legal counsel in the areas of banking, international finance, securities, taxation, trade and enforcement. He also served on the U.S. President's Corporate Fraud and Abuse Task Force at the Department of Justice, as counsel to the President's Working Group on Financial Markets, the Federal Financing Bank and the Committee on Foreign Investments.
John Costas, commenting on David Aufhauser's appointment, said:
"David brings with him a wealth of experience and insight in today's complex financial and legal environment. His appointment ensures that the UBS name and franchise, both in global investment banking and in North America, continues as one of the strongest in the market."
Commenting on Bob Dinerstein's contribution to the firm and his appointment to Vice Chairman, John Costas said:
"Bob's senior advisory position as Vice Chairman reflects the importance of his experience. In his long and successful career, he has been instrumental in building the Investment Bank's legal department to one of the strongest in the market. We thank him for his highly valuable contribution and look forward to working with him in his new role."
Media Inquiries:
Mark Arena: + 1 212-713-2027
Mark Hengel + 1 212-713-8701
Christine Walton: + 1 212 713-2138
David D. Aufhauser (appointment to UBS effective 1 September 2004
Global General Counsel, Investment Bank
UBS General Counsel, North America
Member of the Group Managing Board
Date of birth: 19 November 1950
1977 University of Pennsylvania Law School, J.D.
1974 Harvard University, M.B.A.
1972 Wesleyan University, A.B., Phi Beta Kappa
Professional History
After finishing law school in 1977, David Aufhauser joined Washington law firm William & Connolly LLP where he worked as a securities litigator for most of his career, with an increasing emphasis on broader regulatory and policy issues over the years.
Between March 2001 and November 2003, Mr. Aufhauser was General Counsel of the U.S. Department of the Treasury. Mr. Aufhauser supervised 1600 lawyers in the Department's Banking & Finance, International Affairs and Enforcement groups, and in the Internal Revenue Service, the U.S. Bureau of Customs, the Bureau of Alcohol, Tobacco and Firearms, the Office of Foreign Asset Controls, the Financial Crimes Enforcement Network, the Office of Terrorist Financing, the U.S. Mint, the Bureau of Public Debt, the Financial Management Service, and the Bureau of Printing and Engraving.
In addition to his responsibilities as General Counsel of the Department, Mr. Aufhauser also served on the President's Corporate Fraud and Abuse Task Force at the Department of Justice, as counsel to the President's Working Group on Financial Markets, the Federal Financing Bank and the Committee on Foreign Investments in the US, and as a senior policy maker on the National Security Council.
David Aufhauser rejoined William & Connolly LLP in 2004 where he provided counsel on compliance and litigation advice in finance, securities, tax, trade and federal regulatory matters.
He is a Senior Fellow at the Center for Strategic & International Studies and a member of the Council on Foreign Relations.
Awards/Honors (inter alia)
The U.S. Treasury Department Alexander Hamilton Award for Distinguished Service, 2003
U.S. State Department Citation for Distinguished Leadership and Service in Diplomatic and Security Affairs, 2003
Married with 3 children


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@TWISTAgmg and @Jeremih Drop "Next to You"
Chicago rapper Twista made his recording debut on "Po Pimp," a platinum single by his fellow Windy City rappers Do or Die. Following "Po Pimp," Twista signed with Big Beat/Atlantic and released his debut, Adrenaline Rush, in the summer of 1997. Mobstability followed a year later, and in 1999 Twista returned with Legit Ballin'. In fall 2002, he hooked up with Ludacris, Jay-Z, Bone Thugs-N-Harmony, and other rap moguls for the recording of his third album. Kamikaze came out at the beginning of 2004 and promptly hit the Billboard 200, riding the impetus of his number one hit single "Slow Jamz." In 2005, he returned with the album The Day After and the hit single "Girl Tonite" with Trey Songz. Two years later, Adrenaline Rush 2007 appeared. After forming his own label, Get Money Gang, in 2008, he released the album Category F5 in 2009. The following year brought The Perfect Storm, which featured guest appearances from both Chris Brown and Tia London. Then, in 2013, it was reported that Twista had begun sessions for a ninth studio album. Titled The Dark Horse, the record arrived in August 2014.
Follow @TWISTAgmg on twitter!
Follow @Jeremih on twitter!
Follow @Jeremih on twitter!


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From Europe to Africa to Asia to the USA, our colorful collection of botanical teas showcase flavors & cultures from around the World. No matter the mood or ambience, there's an herbal tea that's just right for the very essence of your body, mind & soul. Enjoy!
- Sort by Default Order


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Kasie Adventures Namibia
Kasie Adventures is a tour company established by the Young Achievers Empowerment Project as an income generating business to provide the organization with a suitable, non-donor dependent source of support.
Mission : To provide tours around Katutura & to educate our clients about the History of Katutura.
read more...


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Explore Our Hotel
Come explore the newly renovated Holiday Inn Express Romulus/Detroit Airport where you can enjoy our Hot Express Start Breakfast and complimentary Wi-Fi throughout the entire hotel! Our convenient location, less than 1 mile to Detroit Metro Airport, makes our hotel the perfect stop whether you are traveling for business, leisure or a fun filled family vacation. Stay Smart and be yourself with our amazing Fitness Center as well as our Business Center, which can be used for completing your work, printing boarding passes or entertaining your children.
Our Park Stay and Go Package includes one night accommodations at the hotel and eight days of convenient parking in Qwik Park; Qwik Park is located directly behind our hotel. This package is perfect for stress free travel accommodations.
Along with our featured amenities we also provide complimentary 24-hour shuttle service to and from Detroit Metro Airport, our shuttle service is operated by Qwik Park. Shuttle service picks up and drops off from DTW located at Ground Transportation level, located at either terminal.
We look forward to having the Holiday Inn Express Romulus MI as your next stop on your travel itinerary!
- Black-out Shades
- Iron/Ironing Board
- Separate Hanging Closet
- In-Room Heating and A/C Controls
- Extra Bedding Available
Bathroom/Personal Care
- Private Bathroom
- Bathroom Amenities Available
- Hair Dryer
- Bathtub
- Separate Vanity Area
In-Room Features
- Mini Refrigerator
- Microwave
- Coffee Maker
- Flat-screen TV
- Work Desk with Lamp
- Desk-level Electrical Outlet
- Free Local Calls
- Cable/Satellite
- Premium Channels
- Pay-per-view Available
- Stereo/Radio
- Direct-dial Phone
- Two-line Phone
- Phone with Voicemail
- Windows Open by Guest
Added Value
- Connecting Rooms Available
- Oversized Bath Towels
- Complimentary Coffee/Tea Supplies
- Full Breakfast Included
- Breakfast Buffet Included
- Continental Breakfast Included
- Complimentary Coffee in Lobby
Business Services
- 1 Meeting Room(s) Available
- On-Site Business Center
- Printer
- Copier
- Scanner
- Office supplies available
Internet Access
- Free High-Speed Internet in all Rooms
- Wireless Internet service is free for all IHG® Rewards Club members
Health & Fitness
Complimentary Fitness Center
We are proud to provide to offer state of the art True Fitness Equipment; Treadmills, elliptical, recumbent bike, multi-function stretching machine, and medicine balls are provided. All equipment has touch-screen displays with TVs and ipod compatability.
Hours of Operation: 12:00 AM to 11:59 PM
Fitness Center Type: EXTENSIVE
Fitness Center Equipment:
- Treadmill
- Elliptical Machines
- Free Weights
- Stationary Bicycle
Last Renovation of Fitness Center Equipment: 2013
Housekeeping & Laundry
- Daily Housekeeping
- On-site Guest Self-Laundry Facilities
- Hours of Operation: 12:00 PM - 11:59 PM
Added Value
- ATM/Cash Machine
- Ice Machine
Hotel Details
7680 Merriman Road
Romulus, Michigan 48174
United States
Check In: 3:00 PM
Check Out: 12:00 PM
Check-in Age: 21
Parking + -
- Complimentary Self Parking Available
Shuttle + -
- Complimentary Local Area Shuttle
- Hours Of Operation From 12:00 AM-To 11:59 PM
- Complimentary Airport Shuttle Service Available For :Detroit Metropolitan Wayne County Regional Airport
Accessibility + -
- Public Entrance
- Guest Rooms
- Elevators
- Public Restrooms
- Registration Desk
- Exercise Facility
- Business Center
- Number of Accessible Meeting Rooms: 0
Accessible Hotel Areas
- Registration Area
- Accessible Guest Rooms
- Business Center
- Meeting Room
- Exercise Facility
Hotel Areas with Accessible Routes from Accessible Public Entrance
- Accessible Self Parking
- Van Accessible Self Parking
- Ramp Access
- Portable Bathtub Seats
- Closed Caption TVs
- Telephone with TDD
- Visual Alarm/Alert in Guest Rooms
- Visual Alarm/Alert in Public Spaces
Provided by Hotel
Pet Policy + -
- Service Animals Allowed
Facility + -
- Smoke-Free Facility
- Number of Floors: 3
- Total Number of Rooms: 110
- Number of Suites: 7
- Number of Non-Smoking Rooms: 103
- Number of Accessible Rooms: 8
- Connecting Rooms Available
- Public Spaces Renovated in: 2013
- Guest Rooms Renovated in: 2013
Languages + -
Languages Spoken by Staff
- English
Credit Cards + -
- American Express
- Visa
- MasterCard
- Diners Club
- Carte Blanche
- Discover


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Hello Alexander. Good luck on your application. Be careful about capitalization. For example, you wrote english and german instead of English and German.
Dear Sir or Madam
My name is xxx and I am writing to you to express my interest in applying for the Master Progamme of xxx at the xxx, scheduled to start in October 2012. I appreciate this opportunity and I would like to provide further information about myself and motivation.
I'm currently studying Business Economics at the xxx [I assume this is the name of your current univeristy?], and will graduate in August 2012. During my time at the University of xxx, I've gained a strong academic background in the fields of marketing, management and human resource management. Combined with my work experience in the field of new media and recruitment marketing and my leadership experience I am confident that I will fulfill your requirements.
The first time I realized my passion for marketing and communications was during my practical semester at the xxx in Cologne. Based on a market research, it was my task to identify new ways to acquire qualified applicants using new media communication. Together with the head of Human Resource Management and Corporate Communications, I developed and discussed an integrated concept. Working with different media agencies, I found ways to implement our ideas. Within several months I've gained the professional and technical competences to become a key person in my company
about providing advicesin the field of new media and communication. That is what I want to focus on in my continuing studies [maybe?].
My professional goal is to work in a leading position for a well-known agency in the field of marketing and communication after successfully finishing my master's degree. This Master Programme will contribute positively to the evolution of my career. It will allow me to gain more theoretical knowledge about the necessary general and strategic management of media agencies, project and customer management, as well as practical experience by realizing my own extensive media project.
I see myself as an ambitious, focused and socially oriented person, as demonstrated by my engagement with the General Students' Committee from 2008 till 2011. As head of the department for higher education politics I learned how to convey my views towards higher institutions and organizations such as the Ministry of Education. During my chairmanship, I organize and coordinated [You don't need to "prove" anything - it's not a court. Show it by what you did, not by saying "I was a leader!"] the activities of all departments. Additionally, it was my responsiblity to manage fiscal and actuarial concerns. I always enjoyed the trust of my fellow students and the reputation I gained from the training staff for my good work. This was a personal experience I'm proud of and which
hassharpened the organization, team working and communication skills I'll need to meet the highly competitive demands of this master's program.
I am certain that my previous academic career, my strong interest and existing knowledge in economic topics, my ambition and eagerness to broaden my horizon and educate myself further make me a highly suitable candidate for the xxx master program at your university.
Thank you for considering my application.
Yours Sincerely,
Student or Learner


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2020 Kia SportageLX AWD
- Southfield, MI
- Southfield, MI
Vehicle Overview
Exterior Color
- Black Cherry Pearl
Interior Color
- Black
- 21 cty / 25 hwy
- 2.4L Inline-4 Gas
- Automatic
Drive Type
Fuel Type
- Gas
Popular Features
Included Features
Others recently saved 4.1% off MSRP on averageHow is this calculated?
How Is This Calculated?
Total MSRP:
Estimated Payment Based on MSRP:
$449/mo at 3.99% for 60 months with $2,712 down View & Edit
TruePrice Breakdown
- Base MSRP$25,490
- Factory Installed Options$580
- Freight Delivery Charge$1,045
- Dealer Discount1Available
This is what 7 other consumers paid locally for a similar 2020 Kia Sportage LX
How to Use the TrueCar Price Graph
The TrueCar Price Graph shows you new car sales data in a way that helps you easily recognize a fair price for a vehicle similar to the one you want. The vertical bars represent what people in your area recently paid for similar vehicles. These transactions don't include dealer documentation, administrative, or similar processing fees.
How to Use the TrueCar Price Graph
The TrueCar Price Graph shows you new car sales data in a way that helps you easily recognize a fair price for a vehicle similar to the one you want. The vertical bars represent what people in your area recently paid for similar vehicles. These transactions don't include dealer documentation, administrative, or similar processing fees.
Based on actual recent transactions other buyers have made, the Market Average shows you the average price others paid for vehicles similar to the one you want, while taking into account that most of these vehicles have different option combinations from the ones you specified.
MSRP stands for Manufacturer's Suggested Retail Price, sometimes also known as the sticker price. Because this price is only a suggestion, a dealer can choose to sell a vehicle above—or, more often, below—MSRP.
- Location Matters!
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The Manufacturer's Suggested Retail Price ("MSRP"), sometimes known as the sticker price, is the retail price suggested by the manufacturer. Because the price is a suggestion from the manufacturer, a dealer can choose to sell a vehicle above or below the MSRP. Many vehicles are sold below MSRP.
Based on current year EPA mileage ratings. Use for comparison purposes only. Your actual mileage will vary, depending on how you drive and maintain your vehicle, driving conditions, battery pack age/condition (hybrid models only) and other factors.
Total Incentives
Total Incentives includes the following items that are subject to your qualification for the specific manufacturer program rules as determined by Glassman Automotive and which will not be available to you if you are determined to be ineligible. Program rules listed here are for information only and are subject to change at any time per the manufacturer:
2020 Kia Sportage Customer Cash
Cash back from Kia Motors America, Inc (KMA). Must take delivery from a participating dealer and from retail stock from 11/1/2019 - 1/2/2020. Cash back offer when you purchase a new car only and may not be combined with Special Low APR and Special Lease offers. This incentive is for a limited time offer on eligible Kia vehicles. Not all incentive programs are compatible. See dealer for details. Expires 01/02/2020
Dealer Discount
Dealer Discount represents the amount you will save off the MSRP for the vehicle with the specific VIN listed offered by Glassman Automotive. MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area.


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Lakeside Getaways in Choctaw Country
Boasting some of the most breathtaking scenery in the state, Choctaw Country in southeastern Oklahoma is home to stunning vistas and more than a few amazing lakes. Marked by rolling timber, wooded mountains and cypress-lined bayous, this stunning setting creates the perfect backdrop for the area's sparkling lakes. You read all about gorgeous Broken Bow Lake in our "Big Six" overview of the state's top lakes, but check out our round-up of the area's other fantastic bodies of water and start planning your next Choctaw Country adventure.Learn More


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I just started up my Z3.5! LOVE IT! Love Lightbox!
As some of you know, us old school ZBoys called Zspheres zifs.
Well, I'm gonna call Zspheres II Zskiffs for Sketching Zspheres...Two ff's..lol.
Besides, it is easier.
So this will be my zskiff experiment thread. Too bad I am at work right now and I HAVE to teach today's young minds about film and dramatic structure...but I'll be back!


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More on The Legend of Nigga.
"Yes hello, I'd like to make a de-paws-it.""That's funny.""My finances are not a fucking game, Jessica."
I'd be happy to show Green Lantern lady how they work. Sorry, I have nothing else to contribute.: - (


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(question inspired by a similar question about Pocket Frogs )
What are some strategies that can be used to quickly earn money or gain experience in Pocket Planes (especially in the early game, when bootstrapping the economy)? You have the choice to invest in new airports, new airplanes, or upgrading existing ones, which should I prioritize? Should I go and max out airports/airplanes/upgrades, or do some of each?


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In The Hunger Games, Katniss Everdeen embarks on a hero's journey armed only with her bow, her arrows, and her wits: She must survive a televised death match against 23 other young people if she's to return home and continue hunting to provide food for her family. But in the real world, the character Katniss Everdeen faces an even greater challenge: Proving that pop culture will embrace a heroine capable of holding her own with the big boys.
It's a battle fought on two fronts. First, The Hunger Games must bring in the kind of box office numbers that prove to Hollywood that a film led by a young female heroine who's not cast as a sex symbol can attract audiences. And second, for Katniss to truly triumph, she must embody the type of female heroine — smart, tough, compassionate — that has been sorely lacking in the popular culture landscape for so very long.
At bookstores she's already proved her mettle — Suzanne Collins' book series already has some 24 million copies in print in the U.S., according to publisher Scholastic — but at multiplexes her fate has yet to be determined. However, early projections show that The Hunger Games could bring in between $70 million and $100 million on its opening weekend.
Hitting a bull's-eye at the box office would be momentous because it would prove that a major motion picture starring a female hero (in this case played by Jennifer Lawrence, who Rolling Stone's Peter Travers noted "gives us a female warrior worth cheering") can bring in as much money as any Thor ($65.7 million opening weekend) or Iron Man ($98 million). Such a strong opening could turn heads and change minds in Hollywood, where female superheroes rarely get considered.
"There's a glass ceiling cinematically," The Avengers director Joss Whedon, a man known for his strong female characters, said in an interview with Wired last week at South by Southwest. "There is not a major studio that is out there that is trying to make a movie about a female superhero. They'll say, 'This is guy stuff.' They'll say women don't want to see action or men don't want to see women. And I'm like, 'Men don't want to see women? Ninety percent of us really do!'"
Granted, Katniss Everdeen isn't a traditional superhero — she possesses no special power and didn't come from a comic book — but her success could pave the way for those that are. Provided the film remains as true to the book as early clips and filmmaker comments have suggested, the movie could prove revolutionary for portraying a true female hero who is emotionally and physically strong, and isn't romantically involved with a male hero counterpart. (Katniss also doesn't fall into the troubling pattern of women in action movies who sacrifice themselves, like Trinity's death in the Matrix trilogy, or Wolverine killing Jean Gray in X-Men: The Last Stand.)
(Spoiler alert: Minor details and plot points follow.)
For those who haven't read Collins' young-adult novels, here's the gist of Katniss Everdeen's hero CV: Her father died when she was very young and her mother was a bit of hot mess thereafter, leaving Katniss to provide for her family. To do so (and to avoid selling her body for food) she began hunting — a survival skill that makes her an excellent markswoman. In the future dystopia in which she lives, what was North America is now called Panem and has been divided into 12 Districts controlled by a ruthless Capitol located near present-day Denver. Each year, as retaliation for a previous attempt at rebellion by the poor, the Capitol randomly selects a boy and a girl from each District to compete in the Hunger Games and fight to the death in a gruesome reality television show that the oppressed are forced to watch live.
Katniss is the chosen girl — they're called Tributes — from District 12. Her struggle to come to grips with the option of using her archery skills to survive the Games and continue feeding her family or kill other poor children she has no beef with is the emotional thrust of the tale. (In a prescient moment that probably got her the part, Lawrence told the movie's director, Gary Ross, during her audition, "Please remember that after Katniss shoots a bow and kills someone, her face cannot be badass." She added in an interview with Vanity Fair, "She's a hunter but not a killer.") Her actions in the Games — that hand gesture you've seen her make in the trailer means a lot more than "Holla atcha girl!" in Panem — turn her into something of an accidental revolutionary. Suddenly, the Girl On Fire (she's from the District that mines coal) sparks something bigger than herself.
Throughout the book series, Katniss exemplifies what sociologist Kathryn Gilpatric calls a "true action heroine" — a rare sort of character in Gilpatric's studies. In essence, she's not a heroine because she fights next to a male hero — in fact she feels compelled to protect the boy Tribute from her District, Peeta (played by Josh Hutcherson in the film). Her brain is as sharp as the arrows in her quiver — she outsmarts the Gamemakers more than once — and her heroism isn't necessarily something that's played up as sexy. (Lawrence is a beautiful girl, but she's a good Katniss because she's an incredibly multifaceted actress, not because she looks good holding a weapon in spandex.)
"I think Katniss really breaks down gender stereotypes," Gilpatric said in an e-mail to Wired. "[At one point in the book] she stares in the mirror and tries to remember who she is and [says] the presence of Peeta's arm around her shoulders 'feels alien.' It's a great line that really captures her strong sense of self and undermines stereotypes of female dependency."
At first glance, The Hunger Games may seem like young-adult fluff, what with the female lead, the two male leads and packs of screaming teen fans, but at least at this turn those teen fans are screaming for something that might actually turn out to be empowering (love you, Bella Swan, but you're kind of milquetoast). In a study published in 2010 in the journal Sex Roles, Gilpatric examined the way female action heroines were treated in films with an eye on determining how those representations can inform gender stereotypes in popular culture. Looking at 157 different heroines in films released from 1991 to 2005 (though Sigourney Weaver's Lt. Ripley in 1979's Alien is cited as an archetype for a positive heroine) and found that only 15.3 percent were depicted as the main heroine and a depressing 58.6 percent were presented as being submissive to the male hero. She also found that 30 percent of them died by the end of the film, 47 percent were evil characters, who died for their crimes, and many died disturbing, heart-wrenching deaths. No wonder girl geeks feel they have so few ladies to look up to, most of them are dead.
"The [violent female action character] is a recent addition to contemporary American cinema and has the potential to redefine female heroines, for better or worse," Gilpatric wrote in her study. "This research provides evidence that the majority of female action characters shown in American cinema are not empowering images, they do not draw on their femininity as a sources of power, and they are not a kind of 'post woman' operating outside the boundaries of gender restrictions."
Katniss Everdeen arguably does, and it's not a total coincidence: Since Collins set her books in the future, it doesn't seem so out of place that a 16-year-old girl would think she could do everything a young man her age could — presumably gender equality has advanced in the intervening years (think of Starbuck's swagger in the modern Battlestar Galactica). Also, Collins came up with The Hunger Games after a night spent flipping channels between reality television and footage of the Iraq war. And when her agent once suggested she not kill off a beloved, innocent young character, she replied flatly, "This is not a fairy tale; it's a war, and in war, there are tragic losses that must be mourned."
That level of brutality in Collins' books gives them a gravity that could make them inspirational on other fronts. Katniss' actions in the Hunger Games arena that inspire a revolution in the book and movie could easily been seen as a future, fictional version of the leadership of Asmaa Mahfouz, an April 6 Youth Movement founder who posted a video online calling young women to flood the streets of Cairo to protest Hosni Mubarak's rule in Egypt last year. Her call worked: Hundreds of thousands of Egyptians, men and women, joined the movement and Mubarak stepped down in early February 2011, just weeks after Mahfouz posted her video.
While Katniss Everdeen is a fictional character, not a real-life revolutionary like Mahfouz, it's not inconceivable that young people could read her tale and be inspired to sociopolitical involvement (or at least not feel intimidated to investigate a cause they believe in). Even the film's stars acknowledge the political potency of the Hunger Games film — Hutcherson noted in a recent interview there were parallels between the story and the real-world "disconnect between the people who run the country and the people who live in the country" — and an astute commenter on this very blog even recently noted "Occupy should adopt the Mockingjay symbol." (The Mockingjay is the result of cross-breeding between mockingbirds and genetically engineered jabberjays, which were created by the Capitol to spy on rebels, who simply fed the flying moles lies. The existence of the birds is an in-joke in the Districts, a failure of the Capitol that's easy to, well, mock. The symbol becomes a logo of revolution after Katniss wears a Mockingjay pin in the arena during the Games.)
Having the main character from a young adult novel be the new face of the Occupy movement or the Arab Spring may be a stretch — she's no Guy Fawkes, after all — but young women reading a series of books and opting to care about something can't be a bad thing. Also, the self-empowerment inherent in young women identifying as Team Katniss instead of, say, Team Edward or Team Jacob is extremely refreshing.
Katniss' possible ripple effect on the movie industry and the wider culture will depend, at least in part, on how well the film does when it is released in theaters this weekend. As Drew Goddard, director of upcoming horror-comedy The Cabin in the Woods (and a former Buffy the Vampire Slayer writer) told Wired, Hollywood execs look at what did or didn't work in the last year, and their business-driven observations quickly become conventional wisdom. If a female-led movie like Hunger Games underperforms, the weak box office will be used as an excuse not to make similar films. But he's hopeful heroines will re-emerge.
"These things are cyclical, they will come back," Goddard said. "But it's unfortunate that we have to battle against that."
Perhaps in the future, the cycle will stop and audiences can expect an annual superheroine summer blockbuster as much as they expect any other popcorn flick. In documentary Wonder Women! The Untold Story of American Superheroines, director Kristy Guevara-Flanigan traced the impact Wonder Woman had on whole generations of women, from the 1960s to the Riot Grrrls of the 1990s. The impact of the Amazonian superhero's existence proved incredibly far-reaching — and that's just one comic book character.
"I think when you're little, and looking at people's knees, you're so powerless and so unequal that it's really helpful to be able to think yourself into someone who is powerful," activist Gloria Steinem says in the documentary. "Girls actually need superheroes much more than boys, when you come right down to it … and what's revolutionary, of course, is to have a female protector, not a male protector."
Steinem was speaking of the importance of Wonder Woman, but she could just as easily have been speaking of Katniss Everdeen. And, as the culminating montage of Wonder Women! shows, Katniss is just one of a few powerful young female characters who have surfaced in recent years (hacktivist Lisbeth Salander in The Girl with the Dragon Tattoo and Hit Girl also get nods). But Guevara-Flanigan's money is on Katniss.
"I'm thinking The Hunger Games, probably," she told Wired when asked what the next great heroine story would be.
The answer to whether Katniss Everdeen becomes the heroine pop culture needs and deserves isn't very far off — midnight screenings of the film begin Thursday night — but for the sake of girl geeks everywhere, let's hope the odds remain ever in her favor.Go Back to Top. Skip To: Start of Article.


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Poor, sad Lady Edith. Early on in "Downton Abbey," the PBS "Masterpiece Classic" family saga, it seemed that the much-overlooked, undervalued middle sister of the Crawley clan had been dealt a rough hand. Her assertive nose, wan manner and decorously dowdy wardrobe had apparently rendered her marriage prospects slim to nil. Be kind to her, she has so few advantages, Lady Cora, her mother, urges Edith's sister Mary. To which Mary peevishly replies that Edith has none at all.
That was then.
Turns out Season 4 of "Downton Abbey," now in progress, has introduced a major shift in plot — the freshly bereaved Lady Mary sheds her widow's weeds to mind the estate and field a few suitors, and Edith whisks herself off to a new life in London — and a shift in style as well. As the time frame moves to the racier 1920s, that change is expressed nowhere as vividly as through Lady Edith, who casts off her puff-pastry fashion persona to emerge as a maverick with real flair.
As Edith is sharply aware, there can be an upside to having no advantages. You are free to invent a few of your own.
With no doting ladies' maid hovering in the wings, Edith (played by the British actress Laura Carmichael) has embarked on a journey of self-creation, embracing the provocative styles of the day and discovering the liberating properties of diaphanous frocks, shoulder-baring necklines and wispy undies that free up her psyche as well as her frame.
In a spate of interviews, Caroline McCall, the show's costume designer, equates Edith's progressive new look with the arc of her story. Her clothes, inspired by the billowy, groundbreaking designs of Paul Poiret and the illustrations of George Barbier, reflect not just the subversive feel of her era, but the rebel long dormant in Edith herself. "She's decided that she's a new independent woman of the early '20s, so her wardrobe has changed to reflect all that," Ms. McCall told Style.com.
That wardrobe, along with her artfully marcelled hair and exotic jewelry, sets her apart as a fashion adventuress, her newfound daring riveting to viewers, especially members of the fashion flock.
"We love to watch an unconventional beauty strike out and find her fashion mojo, and Lady Edith has the potential to do just that," said Simon Doonan, the Barneys executive who detailed the folkways of the contemporary fashionistas in his recent memoir, "The Asylum: A Collage of Couture Reminiscences ... and Hysteria." Her flirtation with Bloomsbury bohemianism "makes her more interesting," Mr. Doonan added, "than somebody who is conventionally pretty."
Hers is a Cinderella story, "and we all love that," said the stylist Penny Lovell, who has dressed Ms. Carmichael, Edith's off-screen alter ego, for the red carpet. "It's so interesting to see Edith become stronger and make some bolder wardrobe choices," she said. "She's a character who can will herself into being beautiful, and people will always find that interesting."
As the plot becomes more densely layered, Mary hardens, coolly remote in lavender and black, and Edith warms, finding the moxie to crusade for the women's vote; write a column for The Sketch, a society rag; and, more brazenly still, to embark on a love affair with its married publisher.
And it's Edith who ditches her stays for a looser, more raffish look, emerging as she gains in confidence as a budding style savant who flirts brashly with the cutting edge. More colorful and softer than Lady Mary, "she is currently shifting," Mr. Doonan noted, "from an Arts and Crafts-y intellectual look to something more alluring and feminine reflective of her emotional and sexual awakening."
Her gumption, partly cloaked in seasons past behind a series of muted, shape-concealing frocks, became apparent early on. She was, after all, the first woman at Downton to get behind the wheel of a car, mustering the courage not long after to drive a tractor, one of many farm chores she gamely mastered.
Her rare combination of breeding and brass surfaces in her choice this season of fluid, drop-waist frocks in vividly arresting tones of burnt orange and green. It emerges when she turns up for an intimate dinner at the Criterion, the London supper club, in a gold-embroidered viridian gown, her bare back on view as she leans in to give her lover a kiss.
Her daring is something she shares with latter-day fashion darlings like Isabella Blow, Anna Piaggi and Diana Vreeland, who made the most of features that were unconventional (not to say ungainly) by cultivating a memorably stylized look.
Small wonder, then, that dedicated "Downton" aficionados, a handful of designers among them, have conflated the character with the actress who brings her to life. "From looking at Edith on the show, you can visualize Laura in gown," said Ms. Lovell. "Laura is being noticed more because of what's going on the show."
Ms. Carmichael was sheathed in a silvery Vionnet gown for the Screen Actors Guild awards. And Victor & Rolf confected the slender graphically bicolor evening column she wore at the Golden Globes.
Her deco-inflected look was compelling enough that Vogue.com saw fit to document her pre-Globes metamorphosis on its website last month. In a series of photographs, a pale and interesting Ms. Carmichael is seen snapping selfies as her stylist sections off long swatches of her hair. She is shown slipping into her starkly black-and-white dress in her hotel room, and finally making a dash for the car outside, waiting to whisk her, like a proper Cinderella, to her rightful place at the ball.


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1 reviews
Very efficient job and done quickly Communication was poor and Car wasn't clean when collected.