Q: A career in mortgage underwriting will entail a lot of financial risk analysis. Most day-to-day tasks will involve reviewing applications and conducting an in-depth analysis of the proposed loan package. Common risks that will be predicted and assessed include:   Interest rate risk — this involves the potential losses that may be suffered as a result of fluctuating interest rates.  Default risk — this focuses on the risk of a potential borrower defaulting on his loans if he becomes incapable of paying off his debt.  Pre-payment risk — this risk requires the underwriter to speculate on the likelihood of the borrower paying off his loan before it matures. If this happens, the borrower effectively cuts out the lender's interest payments that would have otherwise accrued. In order to analyze a potential borrower's loan request, a mortgage underwriter will be required to examine the borrower's credit reports and income history, which may require pay stubs and/or W-2 statements. The mortgage underwriter uses this information to calculate the borrower's debt-to-income ratio.  The debt-to-income ratio is calculated by adding the borrower's monthly liabilities (mortgage payments) to his obligations (month-to-month credit and loan payments), and dividing that number by the borrower's net monthly income, factoring in any recurring financial obligations such as child support or alimony. Any additional assets, such as checking/savings accounts, retirement funds, mutual funds, and stocks, are also factored into the equation to determine whether or not the potential borrower would be a high default risk. Once you've entered the mortgage underwriter field, there is not very much room for advancement beyond becoming a manager unless you've earned a master's degree in a related field. For this reason, many mortgage underwriters choose to develop advanced skills in specialized lending systems.  Common lending systems include Local Authorities Pension Plan (LAPP) loans, U.S. Department of Agriculture (USDA) loans, and Federal Housing Administration (FHA) loans.  These lending systems are highly specialized and require a unique knowledge of lending rules and regulations. Skills are usually developed through continuing education classes, which are offered on a regular basis by professional mortgage organizations like the National Association of Mortgage Brokers.
A: Know what's expected. Learn how to underwrite a mortgage. Specialize your skills.

Article: These may be your strongest arguments.  Nobody knows you better than you. " Subtly refer to the fertilized egg as a human being, not a thing. When does a fertilized become "human?" Is it not the moment it is conceived? Does the baby suddenly snap from a funny-looking-fetus-thing to a human being at the second trimester? Show them 4D ultrasounds of babies during the allowed abortion time. It looks like, what? A baby? If you are unable to convince the other person, the two of you may have to simply agree to disagree. Don't say things such as "I'm right and you're stupid." You'll look immature and give a bad image for your cause. Especially if you're talking to a woman who is in the process of deciding. Even if you believe that it isn't her choice to make, bashing her will only make her resent you and your beliefs. But if she asks you for reasons why she shouldn't abort:   Discuss the reasons listed above. If it's that she can't afford to care for the baby (which is usually the case), encourage her to have the baby and either put him or her up for adoption or drop him or her at a safe haven. If it's that the baby is ill and might not make it anyway, remind her that he/she might not live if he/she is born, and will not live if aborted. If the issue is that if she carries through with the pregnancy she has a risk of dying in the process: this is a very touchy subject and it's not so much a pro-life or pro-choice argument.
Question: What is a summary of what this article is about?
Use your own reasons and arguments based on your own personal belief and experience. Refer to the fertilized egg as "he" or "she", not "it. Where is the line? Continue to argue to a point, but know when to stop. Be respectful and professional. If you're talking to a woman who is asking you whether she should abort her baby, be very very comforting.

Problem: Article: Pour the heavy cream into a mixer, and beat on high. This will give you a thick, creamy base for your ice cream. If you don't have an electric mixer, you can use a food processor fitted with whisks. The foil will help keep the ice cream soft, and prevent ice crystals from forming. You can also pour the mixture into individual cups or bowls to make small, ready-to-serve desserts. Once the ice cream is frozen, you can scoop it out into small bowls using an ice cream scoop. If there are any leftovers, put them back into the freezer.
Summary: Beat the heavy cream until still peaks form, about 3 to 4 minutes. Pour the mixture into a freezer-safe container and cover with a piece of foil. Freeze for 4 to 6 hours, and serve.

Q: Both the main perfume and your travel bottle include a covering cap. Gently lift off the cap from both. Then, twist off the sprayer from the glass or plastic travel bottle. This way, you can easily refill from a splash bottle of perfume.  Splash perfume is applied by pouring a small dab of perfume or cologne onto your neck or wrist, rather than spraying it into the air. If your travel bottle comes with a decorative, metal casing, simply slip it off so you can see how much perfume is in the travel bottle. This method does not work for metal perfume atomizers. Use a tiny craft funnel to easily pour in your perfume. The funnel easily fits into the top of your glass or plastic travel perfume bottle. The funnel catches every drop of your perfume so none of it is wasted upon transfer. Once the travel bottle is full, twist the sprayer back into place, and put the cap on top. Then, slide the travel bottle into the casing if it came with 1. In addition, replace the cap on your splash perfume bottle.
A:
Remove the cap from the main bottle and the sprayer of the travel bottle. Place a small funnel at the top of the travel bottle. Replace the sprayer, casing, and cap on your travel bottle.