If you no longer find yourself paying the full balance, then asking could save you hundreds of dollars each year. Choose a non-profit and government recommended company for this. If you have good credit, but you've developed a large credit card balance, compare the loan rate to the credit card annual percentage rate. See if you can get a loan to pay off the credit card, and then pay a lower interest payment to the bank each month. Credit cards help people to spend more than they can afford to pay. Pay cash or debit for purchases, unless you are committed to paying off the credit card balance every month. If you are able to pay off the balance and remain disciplined, you may be able to improve your quality of life by routing all your purchases through your credit card. Sign up for a rewards-based card that gives you miles or cash back. Pay your rent, utilities and food bills on a credit card, then pay it back by the due date each month. Cash in your rewards for free tickets or money.
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One-sentence summary -- Call your credit card company and ask for a reduction in your rate. Consolidate your student loans into one monthly rate. Get out of high-interest debt with a credit union or bank loan. Keep a credit card for emergencies only.

Metal frames are a great way to hang any metal prints sizes 20in 20in (510mm 510mm) and larger. The frame is typically 1.3in (33mm) deep. You can hang the frame to the wall using its wire hanger and a nail. Stand-outs are 34 inch (19mm) thick, edge-banded foam board. They are mounting devices that make your print ready to hang. Stand-outs come in two sizes, either Reveal or Flush Cut. Both options come with metal hanging brackets and can be used with all sized prints. Reveal style stand-outs have rounded corners and are 18 inch (3.2mm) smaller than your print. Use if your print has rounded corners. Flush cut stand-outs have sharp, square corners. You can select black edge banding for all sizes. White, silver, or maple edge banding is available for certain sizes. Purchase these stand-outs from a craft store, home supply store, or camera supply store. Stainless steel posts are 34in (19mm) in diameter and hold your aluminum print 34in (19mm) off the wall. Attach the posts through 4 holes in the 4 corners of the metal print. To attach your print to the wall, screw the barrels of the posts to the walls, and then attach the threaded caps into the stainless steel barrels. You will have to select this mounting option when ordering your metal print so that your print will come with 4 holes pre-drilled for easy assembly. Posts are available for mostly all sizing options, though they work best for sizes between 8in 8in (200mm 200mm) and 30in 40in (760mm 1,020mm). Acrylic coverings with metal posts create a professional and finished frame, often used in art galleries. You can select plastic acrylic in 14in (6.4mm) or 12in (13mm) to protect the surface of your print. The acrylic will arrive with pre-drilled holes for easy assembly, so be sure to select this mounting style when ordering your aluminum print. Acrylic and metal posts work great for metal prints 16in 16in (410mm 410mm) and larger, as well as panoramic sizes.
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One-sentence summary -- Use a metal frame for your larger aluminum print. Purchase stand-out mounts to make your print a statement piece. Go with stainless steel posts to give your prints a modern look. Hang your print with acrylic and metal posts for a gallery-quality look.

Green is a secondary color. To create it, you'll need to combine equal parts of blue and yellow, both of which are primary colors. "Primary" colors exist on their own and cannot be created by mixing other colors. The three primary colors are red, blue, and yellow, but you only need blue and yellow to create green. "Secondary" colors are colors obtained through the mixture of two primary colors. Green is a secondary color because it's made from blue and yellow. The other two secondary colors are orange and violet. Pure green is a mixture of pure yellow and pure blue, but if you add more blue or more yellow, you'll create a different slightly different hue of green. The two most basic variations are "blue green" and "yellow green," which are also referred to as "tertiary" colors since they fall between secondary and primary colors on the color wheel. Blue green is made with two parts blue and one part yellow. You could also create it by mixing equal parts of green and blue. Yellow green is made with two parts yellow and one part blue. You could also create it by mixing equal parts of green and yellow. If you want to lighten green without changing its hue, you'll need to add white. If you want to darken green, you need to add black. Light shades are referred to as "tints" and dark shades are called "shades."
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One-sentence summary -- Mix yellow and blue. Vary the proportions to change the hue. Change the value with black or white.

When starting the game, you will be able to choose a few upgrades for your virus. What you choose here will have a huge impact on how the game plays out, so choose wisely. There are a few suggested upgrades that you should pick to make this game easier: DNA Gene - ATP Boost. This will give you extra DNA points at the beginning. Travel Gene - Aquacyte. Basically required to infect difficult islands like Greenland, Iceland, and New Zealand. Evolution Gene - Patho-Stasis. This will make your upgrades much cheaper. Mutation Gene - Genetic Mimic. This slows the cure progression, offsetting the negative effects of the Patho-Stasis upgrade. Environment Gene - Extremophile. This boosts the infection rate in every environmental condition. Before choosing a starting country, use your ATP Boost bonus to purchase a few starting upgrades. These upgrades will increase ineffectiveness while keeping lethal mutations from showing up too early. Coughing Gene Compression 1 and 2 Your starting country is very important, as this will determine how quickly the virus starts spreading. Most guides recommend starting in India due to the large population and proximity to China, though others suggest Saudi Arabia. Work will begin on the cure shortly after the game begins.
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One-sentence summary --
Choose your genes. Buy some initial upgrades. Choose a starting country.