INPUT ARTICLE: Article: This program is designed to keep people from going into foreclosure, so a few missed payments will be okay. Your financial hardship must put your mortgage in danger.  Steady employment is required for HAMP to ensure loan payments will not be missed or late. This is the goal of the HAMP program. It must be before January 2009.  Most major lenders are participating in HAMP and would rather modify your mortgage than foreclose on your home.

SUMMARY: Demonstrate financial hardship. Check to see if your mortgage is owned by Freddie Mac, Fannie Mae, or another qualified lender that has registered with the Department of Treasury to be eligible for HAMP. Document a stable income. Look for an interest rate and payment terms that will bring your mortgage payment down to less than 31 percent of your monthly income. Look for the origination date of your loan. Ensure that a criminal background check will show you have not been convicted of a felony in the last 10 years. Look for a modification with your current mortgage company.


INPUT ARTICLE: Article: This will open the Settings page for your account. You'll find it underneath "Security and privacy." In order to change your password, you'll need to enter the password you're currently using first. If you don't know your password, see the Resetting a Lost Password section below. You'll need to enter it twice to confirm it. This will immediately apply your new password to your Twitter account. Changing your password will sign you out of Twitter on any other devices you are logged into. You'll need to enter your new password to sign back in. Your browser may have saved your old Twitter password for easy logins. You may have to enter your new Twitter password the next time you are logged out of the website.

SUMMARY: Click your profile image in the upper-right corner and select "Settings." Click the "Password" tab in the menu on the left side of the Settings page. Enter your current password. Enter the new password you want to use. Click "Save changes" to save your new password. Sign back in on your other devices.


INPUT ARTICLE: Article: Don't worry too much if your caterpillar suddenly stops eating, becomes sluggish or starts to change color - it is probably just preparing to molt or pupate, so this is completely normal behavior.  The caterpillar may also become more active then usual, moving around its container continuously. If this is the case, it is probably just looking for a good place to pupate. Unfortunately, these behaviors may also be signs that the caterpillar is sick, so you should refrain from handling it at this time. Just wait to see if it successfully pupates. If you are keeping multiple caterpillars and one of them dies, remove the dead caterpillar from the container immediately. This will prevent any disease from spreading. Once the caterpillar is ready it will pupate, thus beginning the process of turning into a moth or butterfly. Moth caterpillars will bury into the earth to make a cocoon, while butterfly caterpillars with enclose themselves in a chrysalis, hanging above ground.  While the underground cocoons do not need any attention, you may need to move or re-hang the chrysalis if it is in an unsuitable location or of it falls from its original hanging spot. If you believe the chrysalis is in too tight a spot for the emerging butterfly to spread its wings, it may be best to move it. Handle the chrysalis very gently and hang it from a stick or attach it to the side of the container. You can do this by threading a piece of string through the pointy end of the chrysalis, or by sticking a small pin through it and hanging it from a suitable location. Once the pupa has formed, you should clean out the caterpillar container, removing any old food or waste. Even though the pupa is still alive, it does not require any food or water.  Leave any sticks in the container when cleaning out. These will be necessary once the butterfly or moth emerges, as it will use the stick as a perch while it spreads its wings. If the butterfly or moth has nothing to perch on, its wings will not form properly and it will die.  Also try to keep the container humid by checking it every few days. If the the container is too dry the pupa will dry out, but if it is too moist the pupa can go moldy. Both of these things can prevent the butterfly/moth from emerging. If the soil at the bottom of the container feels very dry, mist it with some water. If you see any condensation forming on the sides of the container, wipe it off.  Consult a caterpillar/butterfly guide to find exact instructions regarding the optimum temperature and humidity for your species of pupa. Now all that's left to do is wait! Some butterflies and moths will emerge after as little as eight days, while others may take several months or even years.  If you caught your caterpillar in the fall, chance are it will spend the winter months in its pupa and only emerge in the spring - this process is known as "overwintering". Some telltale signs that a butterfly is getting ready to emerge from its chrysalis are the chrysalis turning darker in color, or even becoming clear. Keep a close eye on the chrysalis from this point on, as butterflies can emerge from their pupa in a matter of seconds and you don't want to miss it! As moth cocoons are underground, you will not be able to observe any changes. If the chrysalis turns a very dark color, this may be an indication that the pupa is dead. Test it by gently bending the pupa around the abdominal region - if it stays bent this is a good indication that the pupa is dead. Once the butterfly or moth has magically emerged from its pupa, it will crawl up a stick and hang upside down until its wings dry out and unfold. This is a very important process and can take several hours.  When the butterfly or moth begins to flutter its wings and starts flapping around the cage, it's time to release it. These creatures do not like to be confined and they can damage their wings if they are continually beating them against the sides of the container, trying to escape.  Take the container outside, to the location where you originally found the caterpillar, open the lid and let your butterfly happily fly away.

SUMMARY: Don't worry if your caterpillar stops eating or becomes sluggish. Make sure the pupa is hanging above ground. Clean out the container and keep it humid. Wait for the pupa to turn dark or clear. Release the butterfly.


INPUT ARTICLE: Article: For the natto, you’ll need 4 cups (800 g) of soybeans. Place the beans in a colander or strainer, and rinse them thoroughly under cold water in the sink. Shake the beans well afterward to remove the excess moisture. As you rinse the soybeans, remove any shrunken or discolored beans. After you’ve rinsed the soybeans, place them in a large pot. Cover the beans with 12 cups (2.8 l) of cold water to create a ratio of 3 parts water to 1 part beans so the beans have room to expand. Allow the beans to soak for 9 to 12 hours. During colder months, you may need to soak the beans longer, so it may take as many as 15 to 20 hours. When the beans have finished soaking, dump them into a colander or strainer. Shake well to remove all of the excess moisture.

SUMMARY:
Wash the soybeans. Soak the beans overnight. Drain the beans.