Problem: Article: Rollers should be left in your hair for around 10 hours so a good time to have them in is while you sleep. Since you will need to wash your hair before putting in the rollers, it also makes sense to do this at night. It is best to put in the curlers when your hair is damp so that the curls last longer. Additionally, the hair will be easier to work with if it is damp.  Let your hair air dry rather than using a towel. Using a towel will make your hair difficult to put into rollers. Only use water when washing your hair before a curling. Combing your hair can help straighten it out so that the rollers will be more effective. Refer to this article about combing for more information. Continue combing until the comb does not catch any knots. It is best to use a spray as a cream can leave white flakes behind in your hair. Let the spray sit in your damp, combed hair for around 3-5 minutes before putting in the rollers. Divide your hair into equal 1-inch wide sections. Roll each of these sections into the roller so that your hair looks uniformly curly after the rollers are removed. Continue putting in the rollers until all of your hair is rolled up. If you do not have naturally curly hair, hairspray is the key to ensuring your curls will last a long time. Do not use much more than three sprays since too much hairspray can be damaging to your hair and the environment. Remove the rollers slowly so that your hair does not snag. Instead of pulling the rollers, roll them out. Reverse the process of putting them in. Apply even more hairspray to ensure that your curls last for a long time.
Summary: Start this process at night time. Wash your hair then let it dry so that it is damp. Comb your hair to remove any knots. Apply a curling enhancer before putting in the rollers. Put in the rollers. Apply a few more sprays of hairspray after you have applied the curlers. Remove the rollers in the morning to finish the process of curling your hair.

INPUT ARTICLE: Article: To keep your feet clean and make the nail pliable, you will need to soak your affected foot in warm water. You may want to soak both feet to make this process a bit more relaxing. Soak your feet four to five times per day for 10 to 15 minutes each time. You can add two tablespoons of Epsom salts to the foot bath or just use plain water. Tea tree oil may help to fight off infections.After each time that you soak your feet, put a drop or two of tea tree oil on the affected nail. The tea tree oil may help to prevent infection and keep the nail a bit softer. After the tea tree oil soaks in, you can also put a dab of Vicks VapoRub to the sore area of your nail. The menthol and camphor may help to reduce the pain and will also keep your nail soft for the next part of the treatment. Keep the menthol/camphor on for 12 to 24 hours using a bandage or a small piece of gauze. The following day soak your feet for about 20 minutes. Then, take a small piece of cotton (gauze or cotton ball) and roll it between your fingers so that it forms a cotton “tube” that is about ½ inch long. Tape one end of the cotton tube to the top of your toe. Then, gently lift the corner of the ingrown nail up a little bit with one hand.  With the other hand, work the free end of the cotton tube under the corner of the nail and out the other side so that the cotton is between the skin and the nail. This might be a little painful or strange at first, but it is necessary to lift the nail away from the skin to prevent it from growing deeper into the skin. Keep the cotton in place and replace it every day after soaking your foot.  You will need to repeat this process for two weeks or until the toenail grows out a bit, but you should notice some improvement after a few days. If you do not notice any improvement, then call your doctor.

SUMMARY: Soak your feet. Put a drop or two of tea tree oil on the nail. Apply Vicks VapoRub to ease pain. Use cotton to lift the toenail. Repeat this process for up to two weeks.

In one sentence, describe what the following article is about: The interest rate stated on your investment prospectus or loan agreement is an annual rate. If your car loan, for example, is a 6% loan, you pay 6% interest each year. Compounding once at the end of the year is the easiest calculation for compounding interest.  A debt may compound interest annually, monthly or even daily. The more frequently your debt compounds, the faster you will accumulate interest. You can look at compound interest from the investor or the debtor’s point of view. Frequent compounding means that the investor’s interest earnings will increase at a faster rate. It also means that the debtor will owe more interest while the debt is outstanding. For example, a savings account may be compounded annually, while a pay-day loan can be compounded monthly or even weekly. Assume that you own a $1,000, 6% savings bond issued by the US Treasury. Treasury savings bonds pay out interest each year based on their interest rate and current value.  Interest paid in year 1 would be $60 ($1,000 multiplied by 6% = $60). To calculate interest for year 2, you need to add the original principal amount to all interest earned to date. In this case, the principal for year 2 would be ($1,000 + $60 = $1,060). The value of the bond is now $1,060 and the interest payment will be calculated from this value. To see the bigger impact of compound interest, compute interest for later years. As you move from year to year, the principal amount continues to grow.  Multiply the year 2 principal amount by the bond’s interest rate. ($1,060 X 6% = $63.60). The interest earned is higher by $3.60 ($63.60 - $60.00). That’s because the principal amount increased from $1,000 to $1,060. For year 3, the principal amount is ($1,060 + $63.60 = $1,123.60). The interest earned in year 3 is $67.42. That amount is added to the principal balance for the year 4 calculation. The longer a debt is outstanding, the bigger the impact of compounding interest. Outstanding means that the debt is still owed by the debtor. Without compounding, the year 2 interest would simply be ($1,000 X 6% = $60). In fact, every year’s interest earned would be $60 if you did earn compound interest. This is known as simple interest. It can be handy to visualize compound interest by creating a simple model in excel that shows the growth of your investment. Start by opening a document and labeling the top cell in columns A, B, and C "Year," "Value," and "Interest Earned," respectively.  Enter the years (0-5) in cells A2 to A7. Enter your principal in cell B2. For example, imagine you are started with $1,000. Input 1000. In cell B3, type "=B2*1.06" and press enter. This means that your interest is being compounded annually at 6% (0.06). Click on the lower right corner of cell B3 and drag the formula down to cell B7. The numbers will fill in appropriately. Place a 0 in cell C2. In cell C3, type "=B3-B$2" and press enter. This should give you the difference between the values in cell B3 and B2, which represents the interest earned. Click on the lower right corner of cell C3 and drag the formula down to cell C7. The values will fill themselves in. Continue this process to replicate the process for as many years as you want to track. You can also easily change values for principal and interest rate by altering the formulas used and cell contents.
Summary:
Define annual compounding. Calculate interest compounding annually for year one. Compute interest compounding for later years. Create an excel document to compute compound interest.