Understanding Sales

Things to Know About the Global Life Sciences Products You can now have the new product of GLS or Global Life Sciences which is known as TUNE that boasts of the Activeda Technology. Such is known to be the first water-soluble CBD that is full spectrum hemp extract, Xanthohumol and Curcumin. When you are interested about knowing more on this product, then you should get to know more about cannabidiol first. Such is one kind of interesting chemical. This is responsible for the people’s change in perspective about the use of marijuana for purposes in medicine. A lot of people could be aware about THC but they may not have any clue about CBD. These two chemicals come from marijuana but they serve different purposes. The THC in the marijuana may get you high but you must know that CBD is actually something that has lots of benefits from the point of view of medicine. The CBD also doesn’t have similar side effects as the THC. Here are the things that you need to know about CBD. The key ingredient in this is cannabis. When you would check out the main ingredients that are contained in Cannabis, you should note the relevance of THC and CBD. Know that these chemicals are actually present in the highest concentrations as the cannabis crop regardless of how this is grown. The marijuana breeders have also seen that there are definitely high levels of CBD in the crop. There are those who have also managed to grow cannabis with so many CBD but with just little THC and such strains are also getting more popular every year. People are also happy with the benefits that the CBD offers without the side effects of THC.
Why Oils Aren’t As Bad As You Think
Moreover, you must understand that CBD is not psychoactive. Unlike the belief of a lot of people, products such as the CBD oil or the CBD capsules won’t cause you to become high. The CBD in such products or what you can find in cannabis won’t make you feel the same as the THC. Know that it is the THC that is known as the psychoactive substance. This won’t cause interference in the psychological functions as well as the psychomotor of a person. Understand that CBD is really 100 percent safe and won’t get you high.
Why not learn more about Sales?
When you are interested on trying this product, you can surely get TUNE from Global Life Sciences. You may check out their website and you can get more information that you require. You may also go through the different testimonials or reviews out there so that you will become better informed. You will be amazed at the different good things which people say about this kind of product.

Blown Film Extrusion Introduction

Blown Film Extrusion Introduction
Blown film extrusion is a technology that is the most common method to make plastic films, especially for the packaging industry. The process involves extruding a tube of molten polymer through a die and inflating to several times its initial diameter to form a thin film bubble. This bubble is then collapsed and used as a lay-flat film or can be made into bags. Usually polyethylene is used with this process, and other materials can be used as blends with these polymers. A diagram of a polyethylene chain is shown in Figure 1 to the right.
Background Theory on Polymers

In the cooling step of blown film extrusion, the amorphous, transparent melt crystallizes to form a translucent, hazy, or opaque film. The point where opacity begins in the bubble is known as the frost line. 
Fig 1: Model of polytheylene chain frompolyethylene Wikipedia article.The frost line height is controlled by several parameters: the air flow, film speed, and temperature difference between the film and the surroundings. Properties of the film, such as tensile strength, flexural strength, toughness, and optical properties, drastically change depending on the orientation of the molecules. As the transverse or hoop direction properties increase, the machine or longitudinal direction properties decrease. For instance, if all the molecules were aligned in the machine direction, it would be easy to tear the film in that direction, and very difficult in the transverse direction.

The Film Blowing machine Process

Fig 2: Schematic of set-up from User:J.Chiang.

Typically, blown film extrusion is carried out vertically upwards, however horizontal and downward extrusion processes are now becoming more common. Figure 2 shows a schematic of the set-up for blown film extrusion. This procedure consists of four main steps: The polymer material starts in a pellet form, which are successively compacted and melted to form a continuous, viscous liquid. This molten plastic is then forced, or extruded, through an annular die. Air is injected through a hole in the center of the die, and the pressure causes the extruded melt to expand into a bubble. The air entering the bubble replaces air leaving it, so that even and constant pressure is maintained to ensure uniform thickness of the film. The bubble is pulled continually upwards from the die and a cooling ring blows air onto the film. The film can also be cooled from the inside using internal bubble cooling. This reduces the temperature inside the bubble, while maintaining the bubble diameter. After solidification at the frost line, the film moves into a set of nip rollers which collapse the bubble and flatten it into two flat film layers. The puller rolls pull the film onto windup rollers. The film passes through idler rolls during this process to ensure that there is uniform tension in the film. Between the nip rollers and the windup rollers, the film may pass through a treatment centre, depending on the application. During this stage, the film may be slit to form one or two films, or surface treated. Advantages Blown film generally has a better balance of mechanical properties than cast or extruded films because it is drawn in both the transverse and machine directions. Mechanical properties of the thin film include tensile and flexural strength, and toughness. The nearly uniform properties in both directions allow for maximum toughness in the film.
Blown film extrusion can be used to make one large film, two smaller ones, or tubes that can be made into bags. Also, one die can make many different widths and sizes without significant trimming. This high level of flexibility in the process leads to less scrap material and higher productivity. Blown films also require lower melting temperatures than cast extrusion. Measured at the die opening, the temperature of cast film is about 220 C, where as the temperature of blown film is about 135 C. Furthermore, the cost of the equipment is approximately 50% of a cast line.

Blown Film Extrusion Disadvantages Blown film has a less effective cooling process than flat film. Flat film cooling is done by means of chill rolls or water, which have significantly higher specific heat capacities than the air that is used in the blown film cooling process. The higher specific heat capacity allows the substance to absorb more heat with less change in the substance temperature. Compared to cast film, blown film has a more complicated and less accurate method to control film thickness; cast film has a thickness variation of 1 to 2% versus the 3 to 4% for blown film. The resins used for casting typically have a lower melt flow index, which is the amount of polymer that can be forced through a standard die in 10 minutes according to a standard procedure. The melt flow index for cast film is about 5.0 g/10 min where as for blown film it is about 1.0 g/10 min. Consequently, the production rates for cast film are higher: cast film lines can reach production rates of up to 300m/min where as blown film lines are usually less than half this value. And finally, cast film has better optical properties, including transparency, haze, and gloss.

Common Problems Air entrapment between film layers and rollers – this may cause film scratching or wrinkling, or processing problems when winding up the film due to reduced friction. Possible solutions to this is using a vacuum to remove entrapped air or by using winding rolls with a diamond shaped groove in the rubber cover to increase surface area and decrease amount of entrapped air in the film. Large output fluctuations from the die – this causes thickness variations, and can be prevented by keeping the extruder clean and by using more consistently shaped pellets in the extruder. Melt fractures – these appear as roughness or wavy lines on the film surface, and can be eliminated by lowering the viscosity of the polymer melt. This can be done by increasing the melting temperature or by adding an internal lubricant to the material composition. Thickness variations in the film – this can be avoided by centering the die in the extrusion line before every run, adjusting the air speed of the cooling system, or by using heated die lips. Die lines on the surface of the film – this defect reduces the aesthetic appeal of the film, reduces optical properties, and weakens mechanical properties such as tear strength. This can usually be avoided by routinely cleaning the inner surfaces of the die and by refinishing scratched or roughened flow surfaces. Gels – these defects are small, hard globules encapsulated in the film or stuck on the film surface and reduce the aesthetic appeal of the film and cause stress concentration points which may result in premature failure. These are caused by overheating to the point of polymer degradation in the die, and can therefore be avoided by cleaning the inner surfaces of the die on a regular basis. Optimization of the Process Coextrusion One way to improve the line efficiency of blown film extrusion is to implement coextrusion. This is the process of extruding two or more materials simultaneously through a single die. The orifices in the die are arranged such that the layers merge together before cooling. This process saves time because it extrudes two or more layers at the same time, and it provides a method with fewer steps to produce multilayer films. The production rate for a coextruded multilayer film of three layers is about 65m/min, and the production rate for a single layer of blown film is about 130m/min. Thus, in order to produce 10 000m of a three layer multilayer film, it would take almost 4 hours using a single layer blown film process, and only 2 and a half hours using the coextrusion process. Furthermore, the film produced from the single layer process would require an extra step to glue the layers together using some sort of adhesive. Coextrusion is the least expensive means of producing layered films and the coextrusion system is capable of quick changeovers to minimize production line down time.

Minimizing the Melt Temperature
The efficiency of blown film extrusion can be improved by minimizing the temperature of the polymer melt. Reduction of the melt temperature causes the melt to require less heating in the extruder. Normal extrusion conditions have a melting temperature at about 190 C despite the fact that the temperature of the melt only needs to be about 135 C. However, it is not always practical to decrease the melting temperature by that much. By decreasing the melt temperature 2 to 20 C, the motor load can be decreased by about 1 to 10%. Furthermore, reduction of the melt temperature causes less need for cooling, so there is a reduced use of the cooling system. Moreover, removing heat from the bubble is usually the rate-limiting factor in this extrusion process, so by having less heat in the polymer to remove, the rate of the process can be increased, thus yielding higher productivity. A way to maintain the melt temperature at a minimum is to choose an extruder that is matched to the specific processing conditions, such as the material of the melt, pressure, and throughput.

Heated Extrusion Die Lips
Typically, solutions to melt fractures involve decreasing the output or increasing the melt temperature to decrease the shear stress in the extruder. Both of these methods are not ideal because they both reduce the efficiency of the blown film line. Heated extrusion die lips can solve this problem. This targeted heating method allows for film extruders to be run at higher production rates with narrower die gaps while eliminating melt fractures. Direct heat is applied to the surface of the polymer melt as it exits the die so that viscosity is reduced. Therefore, melt fractures, which are caused when trying to extrude too much of the polymer at one time, will no longer act as a limiting factor to increasing the production rate. Furthermore, heated die lips use less energy than increasing the melting temperature because only the surface of the melt is heated and not the bulk of the liquid. Another benefit of using heated die lips is that thickness variations can be controlled by adding heat to certain areas along the die circumference to make the film at that position thinner. This would ensure that no excess material is used.
Determine how much energy each of these processes can save per given volume of material. 

Above article from www.appropedia.org

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The Beginners Guide To Options (What You Need To Know To Get Started)

How To Take Advantage of Payday Loan Consolidation

These days, getting payday loans is really easy and sadly, payday loan debt is also east to get. There are many people who overspend and encountered some unforeseen emergencies have found themselves relying on these short term loans that have high interest, and this can be a huge problem one day if they cannot manage it properly. Even so, this kind of loan is still considered to be a great help for those people who are looking for quick money that can be difficult to get hold of particularly in this tough economy we have nowadays.

Hence, if you have some difficulties with your many loans, therefore, there is one valuable alternative which you may want to consider and that is the payday loan consolidation. Take into account, this should be your option in the event you cannot find the money for your balances which you need to pay off in full and you find yourself sinking in their renewal fees. If you have some preventable and needless expenses, cut them down so you will have the money to fully pay off your debts, therefore, this is what you must do. If your debt problem is getting out of control and you know you are putting your family’s comfort and security at risk, in that case, you must try to negotiate with each and every one of your creditors, or you may also engage the services of the expert who can accomplish this task for you.

Hence, how does payday loan consolidation works? The simplest definition for this is to bring together all your debts so a one monthly payment is possible. In essence, this can be accomplished through a number of ways. Each and every consolidation strategy being employed nowadays strive to lessen the monthly outlay and in addition to that, pay off the principle as opposed to simply paying off the renewal cost or the interest of the loan.

You have the option of engaging the services offered by payday loan consolidation companies to accomplish this task for you. On the other hand, if you are sure that this is the perfect option for you, therefore, doing your homework is very important. There are diverse types of payday loan consolidation company existing nowadays and the majority of them can offer you with a free consultation so that you will be aware of what they do exactly and how they can help you with your debt problems.

It is highly suggested that you make use of their offered free consultation and you also have to listen to them carefully, in this manner, it will be easy for you to understand how their service works and how it can help you.

Source: http://lovinglifeandlivingonless.com/2016/11/coping-with-a-cashflow-crisis-what-are-your-options/

How Pay Day Loans Works Extremely Well Safely and securely

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Payday cash loans could be a genuine lifesaver. When you are contemplating trying to get this type of personal loan to find out you through a financial crunch, there can be several things you have to think about. Read on for several helpful advice and comprehension of the number of choices provided by pay day loans.

You may want to investigate the company and also the terms of the financing upfront, for you to do this before you decide to decide on a pay day loan. Ensure these people have a reasonable status which the conditions are obvious. Typically whenever we are facing an economic turmoil, we track out everything we don’t would like to pick up and later locate our own selves in very hot water over it.

If you would like get a payday advance, your best bet is to apply from well reputable and well-known loan companies and websites. These websites have built a solid reputation, and you won’t put yourself at risk of offering sensitive information and facts to a scam or less than a good loan provider.

Never borrow more than it is possible to pay back. You might have probably observed this about charge cards or another lending options. Although in relation to payday cash loans, these tips is much more crucial. When you know it is possible to pay out it again immediately, you may stay away from lots of fees that usually have these types of personal loans.

The best suggestion available for employing pay day loans would be to never have to utilize them. In case you are being affected by your debts and could not make finishes satisfy, payday loans are certainly not the right way to get back in line. Try building a price range and protecting some cash so that you can avoid using most of these personal loans.

An effective hint for anybody who has gotten out a pay day loan is to understand any checks which could inflatable bounce and leave you with insufficient cash. Not only will you be billed through your bank, but you will additionally standard on your financial loan charging you even additional money.

Never fill out a payday loan app well before you know what charges you may be incurred for that financial loan you try to acquire. Numerous cash advance organizations will explain to submit kinds before you understand the amount, but that may simply make you accountable for it even should you not recognize.

Read all the small print on what you read, signal, or may possibly signal at the paycheck lender. Ask questions about anything you may not fully grasp. Evaluate the assurance of the responses provided by the workers. Some simply check out the motions all day long, and were actually trained by an individual performing the identical. They will often not understand all the fine print them selves. In no way hesitate to call their toll-cost-free customer care number, from inside of the retailer to connect to a person with solutions.

When considering a cash advance, make sure that the loan originator is up-top about their payback requirements. A reputable business will give you helpful advice and notify you of the value of make payment on personal loan rear promptly. An inadequate decision would have been a organization that offers a roll-over personal loan being a good substitute in case you are not able to pay back the very first financial loan.

For those who have time, ensure that you shop around for your pay day loan. Every single payday advance provider may have an alternative rate of interest and payment composition for his or her payday cash loans. To acquire the lowest priced pay day loan around, you should take a moment to compare personal loans from various providers.

A payday advance can be a loan that is due on your following pay day. You need to remember, that any money you obtain has to be repaid on that specific time. By taking any further than that to pay back, the money they are going to cost you a lot of costs.

Since there are typically additional fees and conditions concealed there. Many people make your error of not performing that, and they turn out owing much more than they loaned to begin with. Always make sure that you realize fully, anything that you will be putting your signature on.

With a little luck, you may have located the info you needed to reach a choice about a likely pay day loan. All of us need just a little help sometime and whatever the source you ought to be a knowledgeable customer prior to making a responsibility. Look at the assistance you might have just study and alternatives carefully.

The Beginners Guide To Marketing (Finding The Starting Point)

The Rise of Internet Marketing and the Decline of Yellow Pages.

The internet yellow pages are common with modern internet users. Most of the user have no knowledge about the origin of yellow pages. Yellow pages are used to refer to a telephone directory which arranges business address in categories as opposed to the use of alphabets. Advertising on the yellow pages is paid for. The term yellow pages were coined after the printer of the white pages ran out of white papers and used yellow papers. It is a list of business providing details for firms within a certain place. Most of the yellow pages were published by local phone companies though independent publishers also exist. Some of the publishers specialize on a certain demography such as health yellow pages. They are usually printed every year. The local people in an area are given the copies free of charge. The yellow pages company derives their income from selling advertising space on the book.

Recent signs are pointing towards declining of yellow pages. The internet search engines and search directors have become the common trend for advertisers shoppers. Most of the people prefer to use the internet while relatively fewer will rely on the print yellow pages. The pace out of the yellow pages has been increased by legislation prohibiting delivery of the phone book. Some of the states have put in place the laws limiting the delivery of the handbook to instances when they have been requested by the resident. Minimal positive outcomes have been borne out of the attempts by the yellow pages companies to defend their source of income.

As a result, most of the companies are resulting to implementing the yellow pages ideas in the internet. The results are promising to the investors. To search for various product sellers and service providers, consumers are turning to the internet. The online directories are providing the listing services to businesses which are optimizing sales through the internet search. The sellers who are not on the online platform are letting a big portion of customers go. The online directories make it easy to search the company and review its profiles. The client can also communicate with the seller using his interactive features of the website.

The print yellow pages may still command some acceptance but limited. This trend may not change soon, and the equation will hold since consumers and advertisers are trusting the internet more than before. The online consumers have no interest in perusing the people making it mandatory for the company to reach them online. The reason behind the favor accorded to the search engines and online directories are that they provide ease of use. The yellow pages receives thanks for providing platform on which the internet yellow pages.

Source: Business Listings

Many People are Considering Properties for Investment Functions

Costs homes in the UK really are drawing near an all time high as significantly more individuals contemplate investing in properties, trying to establish retirement earnings. Brand new rulings which were made that enable folks to employ their very own retirement living funds with a lesser number of limitations. Several financial experts anticipate that at least some of the total funds are going to go directly into housing. Although there are far more residences available, this elevated curiosity about investment for investment ensures that this marketplace is usually restricted for those young individuals wanting to trade upward, and for people who need to edge right into the actual marketplace for all the investment in their particular primary house.

The idea of acquiring houses so as to position them to let is undoubtedly an appealing one to many, which understand that those that get squashed outside the acquiring market it is always in demand of an area to reside in, and thus, very likely to transform right into a easily accessible, continuous flow of renters. The production involving a pre-made base of clients is clearly an attractive one to any kind of entrepreneur. Hire monies could be obtained, preserved, and also invested into yet more houses with regard to the hire market. If you like, pop over here to learn more about this!

What to Consider When Playing Roulette

There are people who choose to play casino during their spare time. A lot of them do play casino for mere entertainment while others go for the winnings they can acquire. Casino provides lot of machinery and table games including roulette. This is actually a game of prediction, you will need to place bets on the number you believe that ball will stop. The thrilling and fun factor of the game has made it more popular and attracted many first timers. However, before deciding to go to casino and play roulette, you should consider knowing the fundamentals of it. The content of this informative article taken from http://how.wheretoplayroulette.com is about how to play roulette and the basic rules of the game.
Roullete Mechanics
A croupier and 8 players is required to begin roulette game. The players need to predict the number where the ball stops and place their bets on their desired number on the roulette table as you may see at WheretoPlayRoulette. After the players placed their best, the croupier will then start spinning the wheel and drop the ball into it. As the wheel spins, the ball will then be launched, once spin slows down, the croupier will then declare that no more bets will be placed and then the ball will be dropped. This is the indication that players can no longer add bets. As the ball stops to a specific number, it is time to declare the winners and give their winnings, it is also the best time to cast bets to ready the table for another round. However, if no one hits the correct number, the dealers will get all the chips on the table.
Roulette Betting Scheme
There are countless betting system included in this game. The following are the kinds of bets that may help you more on how to play roulette game:
•    Straight-up Bet- This is the easiest bet to consider on this game. You can only play the number where you place your chips inside the roulette table. Since you only have a small chance of winning with this betting style, in case you win, you will have the highest payout in the roulette table. •    Split Bet- This type of bet allows the players to place bets on two numbers but with close distance. This gives the player a higher chance of winning since to number are allowed for betting. •    Street bet and trio bet- Because these bets are same in principle, you’re allowed to bet on 3 numbers within a single game. For a street bet, chips need to be placed on the outside row letting you cover 3 horizontal numbers. While in the trio bet, you should place the chip on intersecting triangle that forms either 0,1,2 or 0,2,3. •    Corner bet- This bet will let you cover Four numbers in a square form. Chips should be placed in four intersecting numbers. As an example, you can place your bet on the numbers like 4, 5, 7 and 8  forming an intersecting line of the numbers mentioned. •    Six line Bet- This kind of bet allows you to cover 6 numbers. This lets you place the chips on the intersecting point on the outside edge of horizontal row in order to do it.
If you’d like to play roulette, consider all the things listed above. If you want a further information about the game, making a research on how to play roulette wheel could also help.

The Key Elements of Great Training

Benefits Of The OSHA Online Training Course Unlike the world we are living in today, a number of people never put into consideration the importance of the safety trainings. There were so many injuries occurring among the employees due to minimal protection. The OSHA training is meant to be an initiative meant to protect the workers as well as the company in question as well. Protective measures are to be taken when dealing with a number of things in the work stations especially in an industry setting. Many people have been injured through the ignorance of a number of people who believe that since they have been in the business for a length of time then they can go without any formal kind of training done on them. It is very important to have the trainings done which have significantly improved a company’s finances. A lot of money is needed to be paid to the lawyers who represent your company in case of any claims made against the company. There will also be compensation claims required to be paid to the employees as well as the insurers. If a number of workers are injured then the more you will pay the company. In order to avoid this kind of accidents then ensure the workers are well trained on how to handle the different kinds of equipment when doing the onsite work. With this trainings then your company is put to a level that a good number of people will seek your services. In terms of the people required to hire contractors this kind of a certificate puts you forward before a good number of people. It gives a sense of assurance of the kind of work your company will be able to offer through minimal damages. The workers are also encouraged on the kind of work to be done through this kind of a training.
Getting Creative With Businesses Advice
The company’s’ reputation is able to raise to greater levels once they are certified on this kind of trainings. There are the safety regulations that a person is able to adhere to especially with different standards to be followed in the market. The level of the bidding company in such a case is raised to a different level. According to the researchers, the companies known to have gone through this kind of trainings are very effective in the kind of work they do.
Smart Ideas: Options Revisited
This training should never be overlooked by any employee or a supervisor since its benefits are way too many. It is important to understand the rules to go by and the responsibility of each person when it comes to adhering to them. Once you are known to follow the right procedures in a company then you will be good to go.

The Various Types of virgin human hair wholesale

The hair extensions and other set of items which are available in the market are all genuine and as and part of nay hair extension it is really important to get assured product that virgin human hair wholesale suites the personality and the staling sense of the individual. This smallest of thing matters a lot in present scenario and the individual how old are available in the market can guide the process through which they can get attached with so many popular features making it suitable and demanding in certain entertainments.

These are the truest facts with which the sure can get facial results and by that the possible outcomes Brazilian Virgin Hair can be suitable enough. The hair extensions are something which attached and get squirted with the whole outfit that the individual wares and there are so many new designs and styles that are abatable with whole ranges of hair extensions. However it is really important and essential to make into count the height and the basic style that every user want form such hair extensions.
Once all such styles and facts are counted the user can fit into the required product and they can surely make that happen. This Human Hair Extensions are true facts and all servers the chains which will come along the process apart from the consequences this true facts are relatively common and by that the recent pouts all helps the writers so that the hair extensions can be solved enough without no possible systems and common figures into count. These facts are so much common and consequent that it will help the individual into so high demand facts that it will really make it possible to get that done. This all issues are managed and handled by professional hair expert’s hair managed and well known details in such hair quality products.

What Research About Resources Can Teach You

The Benefits of Payday Loan Relief

If you are experiencing a difficult financial situation, you should think about applying for payday loans to help you deal with emergency or essential expenses. Payday loans are small, short term advances that provide you with money when you require it in order to pay your bills and avert the outcomes of bounced checks and other unpaid obligations. Payday lending organizations exist in each state and can help you get the resources you require when you need them. Here are some of the benefits of getting a payday loan relief.

Immediate Cash Source

If you are young and just starting to figure out how to work out your financial budget, sometimes you may be short on money to pay for your expenses from one paycheck to another. Payday loans are an immediate source of cash to deal with a financial situation. If your car has broken down or you need to get a tooth filling, or you just require some help in paying your rent for this month, a payday loan can provide the cash you require, sometimes within a matter of hours.

Easy to Qualify for

Another significant advantage of applying for a payday loan is that you can easily fulfill all the requirements for it. A high credit score is not a requirement to qualify for this kind of loan. Most payday loan firms just need to identify whether you are currently employed and how much money you earn in a month. It is true that they will do a few checks, but they are primarily interested in knowing whether you have the ability to pay back the loan. If you are able to provide these simple requirements, you can often receive your cash. With other types of loan, you need to have a decent credit rating before you can get endorsed and the time it takes to get this endorsement is frequently very inconvenient especially in times of emergencies.

Data is Kept Secure

The majority of payday loan companies these days maintain a solid information security framework. Payday loan firms maintain the confidentiality of your personal and private information. Your application will never be made public. Your data will not sold off in any capacity. Truth be told, all moneylenders utilize information encryption frameworks. This prevents any unauthorized access to your own personal information.

Short Term Basis

The interest rates, when computed on annualized terms, can reach up to 400 percent — so much higher than even the most costly credit credit cards. Nevertheless, because they are meant to be short term loans, you should ensure that you do not get anywhere close to that annualized rate.

Source: http://www.wtffinance.com/2016/11/where-not-to-turn-when-times-get-tough-avoiding-the-curse-of-loans/