Take all measurements with the tape flat against your skin, but not compressing it:  Look straight ahead and relax your shoulders without hunching. Place the tape flat around your neck, just below the larynx (Adam's apple). Keep the tape level, at the same height on the front and back of the neck. Round the measurement up to the nearest half inch. For example, if your neck measures 14.6 inches, round up to 15 inches. Guide the measuring tape around the circumference of the waist at the most narrow point, usually between the belly button and the sternum. If you're not sure where this is, measure at several points and use the smallest value:  For best results, hang your arms at your sides while someone else measures. Breathe in and exhale normally. Record the abdomen measurement at the end of the breath. Round down to the nearest half inch. For example, your abdomen might measure 28 inches around. Women may carry more body fat around their hips compared to men. Including this measurement is important for an accurate estimate of female body fat:  You can measure against your skin or over thin clothing. If you are wearing tight clothing that compresses your soft tissue, change into something else and wait 30 minutes.  Wrap the measuring tape around the hips so that it winds around the widest part of the buttocks, as viewed from the side. Keep the tape parallel to the floor. Record this measurement, rounding down to the nearest half inch. An example of your hip measurement might be 32 inches. Take height into account, since a taller woman has larger measurements than a shorter woman with the same proportions:  Stand straight against a wall or other flat surface. Pull your shoulders back, keep your head up, and look straight ahead. Place a ruler or straight edge against the top of your head. Hold it flat and mark the wall with a pencil. Measure from the floor up to the pencil mark on the wall. Record the result in inches. For example, if you are 5'5", write down 65 inches. To avoid rounding errors, enter the following equation on one line of a calculator:  Female body fat % =163.205log⁡(waist+hip−neck)−97.684log⁡(height)−78.387{\displaystyle 163.205\log(waist+hip-neck)-97.684\log(height)-78.387}  For instance, entering the example measurements above:Body fat % =163.205log⁡(28+32−15)−97.684log⁡(65)−78.387{\displaystyle 163.205\log(28+32-15)-97.684\log(65)-78.387}=163.205log⁡(45)−97.684log⁡(65)−78.387{\displaystyle =163.205\log(45)-97.684\log(65)-78.387}=14.33{\displaystyle =14.33}This woman has approximately 14.33% body fat. This formula uses log10{\displaystyle log_{10}}, the default log button on calculators. Use these guidelines as a starting point to determine whether you are at a healthy body fat percentage:  A body fat percentage above 33% (if under 40 years old) may be considered overweight, while 39% or higher puts you in the highest risk category. A typical healthy woman has a body fat percentage between 21 and 33% (23–34% if over age 40, or 24–36% if over 60). Female athletes typically have a body fat of 14–20%, varying by sport. Women typically carry about 10-12% of essential body fat. Falling below this can be dangerous.
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One-sentence summary -- Measure your neck. Measure your waist. Measure your hips. Measure your height. Enter your recorded data into the correct equation. Interpret your results.

Q: Choose an empathetic friend who is a good listener. Say you need to vent about the breakup. Have this friend listen as you reflect on the breakup.  Make sure you select a friend who is a good listener. A friend who tends to interrupt, or give advice, is not the best option. Self-reflection can help you understand the loss. As you go over the relationship with a friend, you may begin to see what went wrong. You can process the information out loud, which can allow you to see something you missed before. Let your friend know exactly what you need from them. Whether it's a shoulder to cry on, someone to bring you out for a good time, or a fellow person to be angry with, your friend should know what you want from them. For example, you could say, "Thanks for listening to me, Jen. I know I've talked a lot about this breakup with you, and I really appreciate that you're taking the time to listen. I need to talk this through again to help me understand what happened." As with talking, writing is a great form of self reflection. Try writing down your thoughts in a journal. You can also write a letter to your ex you do not intend to send. Here, you can talk about your confusion and sadness over the breakup.  You can express anything you wanted to say to your ex but could not. Talk about what you loved about the relationship, but also what was frustrating. Do not censor yourself. Just let your thoughts unfold. You may gain some insight through writing. As you write about the relationship, you may have a realization about why it ended. You may, for example, start to see you and your ex were very different as you write things down. This can help you gain insight. During a period of self reflection, ask yourself hard questions about the relationship. The answers to these questions may help you understand why things ended.  Were you and your ex really right for one another? Think about whether you were compatible long term. Did you have different interests and goals? Were you personalities always compatible? Were the two of you really in love? Love does fade over time. It's possible the passion had drained from the relationship. Were there any differences you missed before? Some differences and disagreements are hard to reconcile. It's not always possible to understand why a relationship ended. Human beings are complicated. You may not get an understandable answer, even if you were able to speak to your ex.  Try to come to terms with the fact there will always be confusion surrounding a breakup. Even if your ex were to explain, there's a chance you would not understand or accept his explanation. Remember, you can heal from the breakup without closure. While it can be helpful to know why things ended, it is not necessary to move forward. Ask yourself if knowing why it ended will make it hurt any less.
A: Talk things over with a friend. Write out your feelings. Ask certain questions. Accept you may not get closure.

Article: Many individuals who are having trouble paying their mortgage attempt to negotiate a Loan Modification Agreement with their lender. Such an agreement reduces their monthly mortgage payment. If the person staying on the mortgage qualifies financially, the Loan Modification Agreement can be written to remove your name from the mortgage. The person seeking loan modification should submit an application with documents reflecting their financial situation. Similar to applying for a refinancing or new loan, the lender will expect the person to show they can afford the monthly payment alone. However, as it is a modification, the person must also show a financial situation that justifies lowering the monthly payment. If the lender approves the loan modification, it will send a Loan Modification Agreement with the terms of the new loan. The payment on the agreement should be lower than the original mortgage. The attorney will make sure it is drafted properly and that it takes your name off the mortgage. The attorney can also ensure you are no longer listed on the county’s property records.
Question: What is a summary of what this article is about?
Contact your lender to see if it will negotiate a Loan Modification Agreement that removes your name. Apply for loan modification. Receive approval of loan modification. Enlist the services of an attorney to review the agreement.