Refinancing Replacing an older mortgage with a new mortgage at better terms. Refine To purify or process a substance. Reflective A material that bounces back light, such as a mirror. Reflective Insulation Insulation with a surface such as foil that reflects heat to enhance the insulating effect. Reformation Correction of a contractual error that did not reflect the intent of both parties to the deal.
Fault needs to extend to both parties unless the error of one person was due to fraud by the other.
The bending of light. For example, light is refracted as it passes through water. Refractory Materials Materials that are heat resistant. Refrigerant Fluid used in cooling systems that absorbs heat, changing into a vapor in the process. Refrigeration System A mechanism used for cooling, such as an air conditioner or refrigerator.