INPUT ARTICLE: Article: You may find someone listed in a regular classified ad, from various sources on the Internet, or you may just meet a fellow collector at a gun show. In Texas, one private individual is allowed to sell a gun to another private individual, without further licensing, as long as each of them is a Texas resident and each is legally allowed to own a gun. Texas does not require a license just to own, to purchase, or to sell a gun privately. There are certain classifications of people who may not own a gun (minors, convicted felons, psychiatric patients), and it is up to the seller at least to ask if the buyer falls within one of these groups. For a private sale, in person, within the state boundaries of Texas, a license is not required. For personal safety, if you do not know the seller personally, you should take a friend along with you. A bill of sale is not required under Texas law, but it is a good idea, both for you and for the seller. A good bill of sale will include the name and address of both the seller and the buyer, along with a description of the gun and the sale price. In case the police ever show up asking about the gun, you can show by the bill of sale that you came by it lawfully, and you can identify the source. Most likely, the seller will have a bill of sale, or at least a blank form. You can find your own forms online at several sources like formsbirds.com, texasguntrader.com, or tidyforms.com. You should ask the seller before you get together what form of payment is acceptable. Most likely, a private individual is not going to be able to take a credit card, and carrying that much cash with you is dangerous.

SUMMARY: Find someone with a gun you wish to purchase. Make arrangements to meet. Be prepared to complete a bill of sale for your purchase. Complete your purchase.

In one sentence, describe what the following article is about: This is most common dangerous and powerful drugs like heroin. Downers, like opiates, usually leave people in a happy stupor, unable and unwilling to move off the couch they're on. They often squirm around sensually like a baby in blankets, getting comfortable and enjoying every single second of it. Watch Ewan McGregor's masterful performance as a heroin addict in Trainspotting to see how quick this shift can be. Opiates often hit hard, bringing a wave of euphoria, before putting the user into a mellow, sleepy, and often useless state. Most opiate users have their heads blissfully in the clouds. They may start a thought, but finishing it isn't really important. Ask someone's attention, but don't have anything to say when they turn to you. Keep your voice low and quiet. The overall idea is to remain stuck in the clouds, unable to pin down your thoughts. More often than not, this leads to literally falling asleep, your head lolling up in surprise slightly every so often, as if just waking up. Again, this is particularly true of heroin, but drugs like Oxycontin are actually the same type of compound, just slightly weaker. Scratch on your forearms, but don't make a big deal of it. This is just another uncontrollable tic, not some dedicated urge.
Summary: Act like a sleepy, happy baby, talking little and smiling sleepily. Lurch into wide-eyed happiness right after "taking" the drug, then fade into sleepiness. Let your words and actions drift off into nothing. Drift off regularly, either by falling asleep or simply zoning out into oblivion. Scratch at yourself regularly, as itchiness is often a side-effect of opiates.

INPUT ARTICLE: Article: There are several different types of mutual funds available, each of which has a different level of risk. Even if you are a relatively conservative investor, you still may want to add one or two higher-risk funds.  A diversified basket of mutual funds that meets your overall preferred level of risk allows your portfolio to experience some growth rather than merely preserving your capital. Within your overall investment account, you want to reserve at least 5 percent of your assets in cash so you can take advantage of opportunities as they arise. Money market funds generally have the lowest risk level. Stock funds and bond funds are generally higher risk funds. Target date funds carry a mix of investments and are best if you have a specific retirement date in mind. Before you start buying shares in mutual funds, you need a good understanding of the types of funds available, the possible returns associated with those funds, and the expenses involved.   You can learn a lot about mutual funds by reading on the internet, especially at the website of the U.S. Securities and Exchange Commission (SEC), which regulates mutual funds. You also can download a complete consumer guide to mutual funds at https://investor.gov, which will walk you through all the details of the market generally and provide guidance on investing wisely. Online ratings services, such as Lipper or Morningstar, offer risk assessments for each mutual fund. Compare these to the risk tolerance you've established to decide which mutual fund is right for you.  These services also detail all fees and charges related to each mutual fund. These expenses can eat into your returns significantly, so you need to research each fund carefully before you commit any money. Look beyond the name of a fund. Just because a fund carries the name of a particular bank may not mean that bank still runs that fund. A fund called a "stock fund" may carry other investments besides corporate stock. While investing in an actively-managed fund will give you more flexibility, you likely will pay higher fees to an investment manager. Passive investment in index-based funds may be a better option for you if you are new to investing. Index-based funds typically have lower fees than actively-managed funds, but they also run the risk of underperforming once you take fees and taxes into account. Generally, investing in mutual funds will be more satisfying if you plan to hold your shares for five years or longer. The longer you hold your shares, the better your chance of a decent investment return. Some funds offer several different share classes, typically A, B, and C classes. Each class has a different fee structure. The length of time you plan to hold your shares can help you determine which share class is most appropriate for you.

SUMMARY:
Determine your risk tolerance. Research the market. Visit financial websites. Choose an active or passive investment strategy. Decide how long you plan to hold your investments.