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Q992 | What building in NYC did Frank LLoyd Wright Design | Frank Lloyd Wright | His work includes original and innovative examples of many different building types, including offices, churches, schools, skyscrapers, hotels, and museums. | 00
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Q992 | What building in NYC did Frank LLoyd Wright Design | Frank Lloyd Wright | Wright also designed many of the interior elements of his buildings, such as the furniture and stained glass . | 00
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Q992 | What building in NYC did Frank LLoyd Wright Design | Frank Lloyd Wright | Wright authored 20 books and many articles and was a popular lecturer in the United States and in Europe. | 00
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Q992 | What building in NYC did Frank LLoyd Wright Design | Frank Lloyd Wright | His colorful personal life often made headlines, most notably for the 1914 fire and murders at his Taliesin studio . | 00
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Q992 | What building in NYC did Frank LLoyd Wright Design | Frank Lloyd Wright | Already well known during his lifetime, Wright was recognized in 1991 by the American Institute of Architects as "the greatest American architect of all time." | 00
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Q995 | what does it mean for a ship to be flagged by another country | Maritime flag | A medieval ship flag captured by forces from Lübeck in the 1420s showed the arms of Denmark, Sweden, Norway and Pomerania. | 00
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Q995 | what does it mean for a ship to be flagged by another country | Maritime flag | The original flag was destroyed during a World War II attack on the city, but a 19th century copy remains in Frederiksborg Palace , Denmark. | 00
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Q995 | what does it mean for a ship to be flagged by another country | Maritime flag | The saint accompanying the Virgin Mary and infant Christ is Saint James the Greater , identified by his scallop shell emblem. | 00
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Q995 | what does it mean for a ship to be flagged by another country | Maritime flag | A maritime flag is a flag designated for use on ships , boats , and other watercraft. | 00
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Q995 | what does it mean for a ship to be flagged by another country | Maritime flag | Naval flags are considered important at sea and the rules and regulations for the flying of flags are strictly enforced. | 00
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Q995 | what does it mean for a ship to be flagged by another country | Maritime flag | The flag flown is related to the country of registration : so much so that the word "flag" is often used symbolically as a synonym for "country of registration". | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Points, sometimes also called a "discount point", are a form of pre-paid interest . | 11
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Q1012 | what are points on a mortgage | Point (mortgage) | One point equals one percent of the loan amount. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | By charging a borrower points, a lender effectively increases the yield on the loan above the amount of the stated interest rate . | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Borrowers can offer to pay a lender points as a method to reduce the interest rate on the loan, thus obtaining a lower monthly payment in exchange for this up-front payment. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | For each point purchased, the loan rate is typically reduced by 1/8% (0.125%). | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Paying Points represent a calculated gamble on the part of the buyer. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | There will be a specific point in the timeline of the loan where the money spent to buy down the interest rate will be equal to the money saved by making reduced loan payments resulting from the lower interest rate on the loan. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Selling the property or refinancing prior to this break-even point will result in a net financial loss for the buyer while keeping the loan for longer than this break-even point will result in a net financial savings for the buyer. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | The longer you keep the property financed under the loan with purchased points, the more the money spent on the points will pay off. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Accordingly, if the intention is to buy and sell the property or refinance in a rapid fashion, buying points is actually going to end up costing more than just paying the loan at the higher interest rate. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Points may also be purchased to reduce the monthly payment for the purpose of qualifying for a loan. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Loan qualification based on monthly income versus the monthly loan payment may sometimes only be achievable by reducing the monthly payment through the purchasing of points to buy down the interest rate, thereby reducing the monthly loan payment. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Discount points may be different from origination fee or broker fee . | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Discount points are always used to buy down the interest rates, while origination fees sometimes are fees the lender charges for the loan or sometimes just another name for buying down the interest rate. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Origination fee and discount points are both items listed under lender-charges on the HUD-1 Settlement Statement . | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | The difference in savings over the life of the loan can make paying points a benefit to the borrower. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | If you intend to stay in your home for an extended period of time, it may be worthwhile to pay additional points in order to obtain a lower interest rate. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Any significant changes in fees should be re-disclosed in the final good faith estimate (GFE). | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | Also directly related to points is the concept of the ' no closing cost loan '. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | If points are paid to acquire a loan, it is impossible at the same time for a broker bank or lender to make a premium for a higher rate. | 00
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Q1012 | what are points on a mortgage | Point (mortgage) | When premium is earned by making the note rate higher, this premium is sometimes used to pay the closing costs. | 00
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Q1018 | when did 311 make Amber | 311 (band) | 311 (pronounced "three-eleven") is an American rock band from Omaha , Nebraska . | 00
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Q1018 | when did 311 make Amber | 311 (band) | The band was formed in 1988 by vocalist/guitarist Nick Hexum , lead guitarist Jim Watson (who would later be replaced by Tim Mahoney), bassist Aaron "P-Nut" Wills and drummer Chad Sexton. | 00
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Q1018 | when did 311 make Amber | 311 (band) | In 1992, Doug "SA" Martinez joined to sing and provide turntables for 311's later albums, rounding out the current line-up. | 00
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Q1018 | when did 311 make Amber | 311 (band) | 311 is generally known as an alternative rock band, but it is also classified as rap rock , rap metal , funk rock , funk metal , reggae and jazz fusion . | 00
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Q1018 | when did 311 make Amber | 311 (band) | The band's name originates from the police code for indecent exposure in Omaha, Nebraska, after the original guitarist for the band was arrested for streaking . | 00
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Q1018 | when did 311 make Amber | 311 (band) | After a series of independent releases, 311 was signed to Capricorn Records in 1992 and released the albums Music (1993) and Grassroots (1994) to moderate success. | 00
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Q1018 | when did 311 make Amber | 311 (band) | They achieved greater success with their 1995 triple platinum self-titled album , which reached No. 12 on the Billboard 200 on the strength of the singles " Down " and " All Mixed Up ", the former of which topped the Billboard Hot Modern Rock Tracks in 1996. | 00
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Q1018 | when did 311 make Amber | 311 (band) | The band's next three albums, Transistor (1997), Soundsystem (1999) and From Chaos (2001), did not achieve the massive success of the self-titled album, though they were still successful, with the first going platinum and the last two going gold. | 00
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Q1018 | when did 311 make Amber | 311 (band) | Their 2004 compilation album Greatest Hits '93–'03 was also certified gold. | 00
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Q1018 | when did 311 make Amber | 311 (band) | The band's most recent studio album is 2011's Universal Pulse . | 00
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Q1018 | when did 311 make Amber | 311 (band) | To date, 311 has released ten studio albums, one live album, four compilation albums, four EPs and four DVDs. | 00
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Q1018 | when did 311 make Amber | 311 (band) | As of 2011, 311 has sold over 8.5 million records in the US. | 00
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Q1018 | when did 311 make Amber | 311 (band) | They are currently working on a new album, which is due for release in 2013. | 00
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Q1021 | who did cy young play for | Cy Young | Denton True "Cy" Young (March 29, 1867 – November 4, 1955) was an American Major League Baseball pitcher . | 00
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Q1021 | who did cy young play for | Cy Young | During his 22-year baseball career (1890–1911), he pitched for five different teams. | 00
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Q1021 | who did cy young play for | Cy Young | Young established numerous pitching records, some of which have stood for a century. | 00
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Q1021 | who did cy young play for | Cy Young | Young compiled 511 wins , which is most in Major League history and 94 ahead of Walter Johnson who is second on the list. | 00
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Q1021 | who did cy young play for | Cy Young | Young was elected to the National Baseball Hall of Fame in 1937. | 00
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Q1021 | who did cy young play for | Cy Young | One year after Young's death, the Cy Young Award was created to honor the previous season's best pitcher. | 00
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Q1021 | who did cy young play for | Cy Young | In addition to wins, Young still holds the major league records for most career innings pitched (7,355), most career games started (815), and most complete games (749). | 00
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Q1021 | who did cy young play for | Cy Young | He also retired with 316 losses , the most in MLB history. | 00
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Q1021 | who did cy young play for | Cy Young | Young's 76 career shutouts are fourth all-time. | 00
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Q1021 | who did cy young play for | Cy Young | He also won at least 30 games in a season five times, with ten other seasons of 20 or more wins. | 00
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Q1021 | who did cy young play for | Cy Young | In addition, Young pitched three no-hitters , including the third perfect game in baseball history, first in baseball's "modern era". | 00
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Q1021 | who did cy young play for | Cy Young | In 1999, 88 years after his final major league appearance and 44 years after his death, editors at The Sporting News ranked Cy Young 14th on their list of "Baseball's 100 Greatest Players". | 00
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Q1021 | who did cy young play for | Cy Young | That same year, baseball fans named him to the Major League Baseball All-Century Team . | 00
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Q1021 | who did cy young play for | Cy Young | Young's career started in 1890 with the Cleveland Spiders . | 00
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Q1021 | who did cy young play for | Cy Young | After eight years with the Spiders, Young was moved to St. Louis in 1899. | 00
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Q1021 | who did cy young play for | Cy Young | After two years there, Young jumped to the newly-created American League , joining the Boston franchise. | 00
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Q1021 | who did cy young play for | Cy Young | He was traded back to Cleveland in 1909, before spending the final two months of his career with the Boston Rustlers . | 00
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Q1021 | who did cy young play for | Cy Young | After his retirement, Young went back to his farm in Ohio , where he stayed until his death at age 88 in 1955. | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | A fiscal year (or financial year, or sometimes budget year) is a period used for calculating annual ("yearly") financial statements in businesses and other organizations. | 11
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | In many jurisdictions, regulatory laws regarding accounting and taxation require such reports once per twelve months, but do not require that the period reported on constitutes a calendar year (that is, 1 January to 31 December). | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | Fiscal years vary between businesses and countries. | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | The "fiscal year" may also refer to the year used for income tax reporting. | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | Some companies choose to end their fiscal year on the same day of the week, such day being the one closest to a particular date (for example, the Friday closest to 31 December). | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | Under such a system, some fiscal years will have 52 weeks and others 53 weeks. | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | Major corporations that adopt this approach include Cisco Systems . | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | In the United Kingdom, a number of major corporations that were once government owned, such as BT Group and the National Grid , continue to use the government's financial year, which ends on the last day of March, as they have found no reason to change since privatisation . | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | Nevertheless, the fiscal year is identical to the calendar year for about 65% of publicly traded companies in the United States and for a majority of large corporations in the UK and elsewhere (with notable exceptions Australia, New Zealand and Japan). | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | Many universities have a fiscal year which ends during the summer, both to align the fiscal year with the school year (and, in some cases involving public universities, with the state government's fiscal year), and because the school is normally less busy during the summer months. | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | In the Northern hemisphere this is July in one year to June in the next year. | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | In the southern hemisphere this is January to December of a single calendar year. | 00
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Q1027 | WHAT IS A FY QUARTER | Fiscal year | Some media/communication based organizations use a broadcast calendar as the basis for their fiscal year. | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | Gertrude Stein , 1935 | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | The sentence "Rose is a rose is a rose is a rose." was written by Gertrude Stein as part of the 1913 poem Sacred Emily, which appeared in the 1922 book Geography and Plays. | 11
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | In that poem, the first "Rose" is the name of a person. | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | Stein later used variations on the sentence in other writings, and "A rose is a rose is a rose" is probably her most famous quotation, often interpreted as meaning "things are what they are," a statement of the law of identity , "A is A". | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | In Stein's view, the sentence expresses the fact that simply using the name of a thing already invokes the imagery and emotions associated with it, an idea also intensively discussed in the problem of universals debate where Peter Abelard and others used the rose as an example concept. | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | As the quotation diffused through her own writing, and the culture at large, Stein once remarked "Now listen! | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | I’m no fool. | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | I know that in daily life we don't go around saying 'is a ... is a ... is a ...' Yes, I’m no fool; but I think that in that line the rose is red for the first time in English poetry for a hundred years." | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | (Four in America) | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | She herself said to an audience at Oxford University that the statement referred to the fact that when the Romantics used the word "rose" it had a direct relationship to an actual rose. | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | For later periods in literature this would no longer be true. | 00
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Q1032 | who wrote a rose is a rose is a rose | Rose is a rose is a rose is a rose | The eras following romanticism, notably the modern era, use the word rose to refer to the actual rose, yet they also imply, through the use of the word, the archetypical elements of the romantic era. | 00
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Q1033 | what is a notary for | Notary public | An embossed foil Notary Seal from the State of New York . | 00
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Q1033 | what is a notary for | Notary public | A notary public (or notary or public notary) in the common law world is a public officer constituted by law to serve the public in non-contentious matters usually concerned with estates, deeds, powers-of-attorney, and foreign and international business. | 11
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Q1033 | what is a notary for | Notary public | A notary's main functions are to administer oaths and affirmations, take affidavits and statutory declarations , witness and authenticate the execution of certain classes of documents, take acknowledgments of deeds and other conveyances, protest notes and bills of exchange, provide notice of foreign drafts, prepare marine or ship's protests in cases of damage, provide exemplifications and notarial copies, and perform certain other official acts depending on the jurisdiction . | 11
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Q1033 | what is a notary for | Notary public | Any such act is known as a notarization. | 00
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Q1033 | what is a notary for | Notary public | The term notary public only refers to common-law notaries and should not be confused with civil-law notaries . | 00
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Q1033 | what is a notary for | Notary public | With the exceptions of Louisiana , Puerto Rico , Quebec , whose private law is based on civil law , and British Columbia , whose notarial tradition stems from scrivener notary practice, a notary public in the rest of the United States and most of Canada has powers that are far more limited than those of civil-law or other common-law notaries, both of whom are qualified lawyers admitted to the bar: such notaries may be referred to as notaries-at-law or lawyer notaries. | 00
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Q1033 | what is a notary for | Notary public | Therefore, at common law, notarial service is distinct from the practice of law , and giving legal advice and preparing legal instruments is forbidden to lay notaries such as those appointed throughout most of the United States of America. | 00
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Q1064 | who played the lead roles in the movie leaving las vegas | Leaving Las Vegas | Leaving Las Vegas is a 1995 romantic drama film directed and written by Mike Figgis , based on a semi- autobiographical novel of the same name by John O'Brien . | 00
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Q1064 | who played the lead roles in the movie leaving las vegas | Leaving Las Vegas | Nicolas Cage stars as a suicidal alcoholic who has ended his personal and professional life to drink himself to death in Las Vegas . | 11
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Q1064 | who played the lead roles in the movie leaving las vegas | Leaving Las Vegas | While there, he forms a relationship with a hardened prostitute , played by Elisabeth Shue , which forms the center of the film. | 00
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Q1064 | who played the lead roles in the movie leaving las vegas | Leaving Las Vegas | O'Brien committed suicide two weeks after production of the film started. | 00
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Q1064 | who played the lead roles in the movie leaving las vegas | Leaving Las Vegas | A halt was considered, but work continued as a tribute. | 00
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