INPUT ARTICLE: Article: Button up the majority of the buttons so the shirt will hold its shape and stay together while you fold it. Run your hands over the fabric to straighten out any wrinkles or creases, then adjust the collar until it lays flat and neat. Use a clean, flat surface such as a table, dresser, or bed as your workspace for folding. Lay the shirt facedown carefully, smoothing it out and adjusting the collar if it has folded or collapsed. Start the fold at the shoulder and bring the left arm across the back of the shirt. This will make the left side of the shirt one long line. The goal is to turn the shirt into a long rectangle shape, so make sure that the cuff on the left arm doesn’t extend past the right side of the shirt! If the arms are extra long and extend past the edge of the shirt, fold the cuff backwards so it stays within the rectangle. Now that you’ve mastered the left sleeve, do the same move with the right sleeve! Fold the right arm in at the shoulder and bring it across the left arm so they cross in the center of the shirt. Once again, make sure the right sleeve doesn’t extend past the edge of the shirt. You can always fold the cuffs back in if they extend past the sides of the shirt. Fold the bottom third of the shirt up, then fold the next third up so it meets the shoulders of the shirt. This creates the perfect size for placing the shirt in a suitcase, drawer, or shelf. Straighten out any wrinkles and make sure the collar is neat before packing or storing your shirt. This technique will help protect the collar from being crushed and the fabric from wrinkling too much. Although this technique protects your shirt from excessive wrinkling, you may still notice a little wrinkling from the folds. Just keep in mind that the next time you wear your shirt, you may have to do a bit of steaming first!

SUMMARY: Button up and smooth out the dress shirt. Lay the shirt out facedown on a flat surface. Fold the left sleeve in toward the center of the shirt. Bring the right sleeve across the left sleeve to complete the rectangle shape. Start at the bottom and fold the shirt up in thirds. Flip the shirt back over and adjust the collar.


INPUT ARTICLE: Article: Divide the 1kg dough into 10 balls for large rolls, or 13-15 balls for dinner rolls. Pick up one end in your thumb and fingers and wrap the other end around your fingers, going away from you. The dough end should now be tucked underneath the loop to form a simple knot. This is similar to tying a knot in a balloon.  You may also roll the dough thinner, and tie a double knot, reef knot or any other form such as a pretzel which is also attractive. Another variation is to pick up the dough "sausage" in the middle and then twist the two halves around each other like you would make string or twine, then tuck the exposed ends underneath to make a round knot shape. You may dip in seeds or grains as per the Baguette method. Place them directly on the baking tray to proof, or on a floured cloth from which you can later transfer to a hot stone. Proof until doubled in size.  Also splash the oven with water if you desire a crisp crust. The rolls should be golden and hollow when tapped.

SUMMARY: Prepare the portions. Roll each ball into little baguettes about 15cm / 6 inches long. Decorate as desired. Bake for 10-15 minutes.


INPUT ARTICLE: Article: Most flowers that are considered annuals are self-pollinating. Each self-pollinating flower has a stamen to produce pollen, a stigma to collect pollen, and a pistil leading to the ovule. Identify these structures in the flower. This will allow you to collect and move pollen to and from the correct structures.  The stamina (or stamens) look like little antennae that carry pollen. The pistil is usually in the center of the flower, and the stigma is on top of the pistil. The ovule can be found at the base of the pistil. Some self-pollinating flowers, such as lilies and roses, are also capable of cross-pollination. Pollen reaches the ovule by travelling down the pistil. The stop of the pistil, or stigma, is designed to collect pollen and move it down to the ovule. Use your brush to transfer pollen onto the stigma.

SUMMARY: Identify organs located on the flowers for self-pollinating plants. Transfer the pollen to the ovule.


INPUT ARTICLE: Article: The first thing you should include is the amount of the loan and the interest rate. Your state has probably set a maximum interest rate you can charge as well, which you can find online.  If you want to charge interest, research your state and federal laws. For example, the IRS requires that you charge a minimum interest rate, otherwise, they may interpret the loan as a “gift” for tax purposes. Sample language could read: “Lender promises to loan $5,000 USD to Borrower. Borrower promises to pay back this amount to Lender, with interest payable on the unpaid principal at a rate of 4% per annum, calculated yearly not in advance.” You should include the date the loan will be paid in full. You also might want to attach to your payment agreement a schedule listing when monthly payments are due. On your schedule, list the day of each payment and the amount that the borrower should pay. If you aren’t charging interest, then divide the amount by the number of monthly payments. Sample language could read: “Borrower will make payments as set forth on Schedule I. The Loan will be repaid in full on August 12, 2016.” The borrower might find that he or she can pay off the loan early. You should explain in the payment agreement whether this is allowed. Generally, prepayment is a good deal for the lender because he or she will get the money paid back early; however, the lender would lose out on some interest. A sample prepayment provision could read: “Borrower has the right to make payments of principal before they are due. Borrower may make a full prepayment or partial prepayments without penalty, provided Borrower gives advance notice of its intent to prepay. Lender will use prepayments to reduce the amount of principal. If Borrower makes a partial prepayment, there will be no change to the due date or in the amount of the monthly payment unless Lender agrees.” The seller might want to charge a penalty or additional interest if the borrower is late with payment. You should explain what the late charge will be and how you will calculate it. For example, if you want to charge a percentage penalty, you could write: “If Lender has not received full amount of any monthly payment within 15 calendar days after the date it is due, Lender may assess a late charge to Borrower of 1% of any overdue payment.” “Default” occurs when the borrower does not follow the terms of the payment agreement. Typically, the borrower will default when he or she misses a payment. However, the lender usually reserves the right to declare a default.  The lender usually reserves the right to immediately demand payment of all outstanding principal and interest. Sample language: “If Borrower defaults in the performance of any obligation under this Agreement, Lender may declare the principal amount owing and any interest due immediately due and payable.” With this provision, the lender doesn’t have to declare a default, but he or she has the option if payment is missed.

SUMMARY:
Identify the loan amount and interest. Explain the schedule of payments. Grant a right to prepayment. Explain any late charges. Identify default.