In one sentence, describe what the following article is about: The American Bankers Association and the Mortgage Bankers Association both offer ongoing training and certification programs for loan officers. Legally, you don't need to be certified. But these programs will boost your credentials and chances of advancing. You'll take a series of courses to improve your knowledge of banking, credit analysis, and mortgage law. You can even choose a program that is designed for your loan specialization. For example, a loan officer can earn a residential or commercial Certified Mortgage Banker (CMB) certificate through the Mortgage Bankers Association. The American Banker's Association offers certificates in Commercial Lending, Residential Mortgage Lending, and another in Lending Compliance. Pursuing your professional development with a certification course in underwriting will, once again, increase your credentials and potential for advancement. Underwriting programs are designed for those already in the industry; you will take courses that improve your understanding of loan risk based on things like property types and value, capital, and debt. Two or even four-year degree programs are also available. One skill that underwriting programs will give you is software literacy. While some banks still judge loan applications by set guidelines and human judgement, increasingly they are using specialized underwriting software that evaluates loan applicant. Knowing your way around these programs is a great skill to put on your resume. You will have to do a lot of professional development to be a great loan officer. Laws change often at the state and federal level. You will have to stay on top of these changes. Also, remember that you will need to complete a minimum amount of continuing education hours per year to maintain your license. Whether it be for certification, staying up-to-date, or just continuing education, it's in your interest to keep learning.
Summary: Get a professional certification. Take a program in underwriting. Continue to learn.

" This will open the DirectX Diagnostic Tool. This tab should show the version for each individual DirectX application.
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One-sentence summary -- Click on the Windows "Start" button. Select "Run" and type "Dxdiag. Click the "DirectX Files" tab. Click "Exit" to close the DirectX Diagnostic window.

Q: Position your head so it is center of your pillow and fluff up the sides to cushion your face when you lay down on your back. The pillow barricade may help you subconsciously stay on your back while you are sleeping. If you can't sleep on your back for long periods of time, sleep on your back for the first couple of nights after you have gotten the extensions. This will give your lashes enough time to properly set. If you have to sleep on your side for comfort, sleep with your face off the edge of a pillow to keep the area around your eye from rubbing up against the pillow. Use a pillow made of memory foam or one that has a styled wave-shape to keep your neck and head from turning in your sleep. When your head turns, your cheek will push up against your lashes and damage them over time. A wide range and style of these pillows can be purchased in the bedding section of a local department store, or online with major retailers. Instead of swapping out your pillow, purchase a silk or satin pillowcase. The slippery texture will reduce any tugging that occurs to your lashes while you sleep. Carefully, lift and slip the cupped mask over your eyes before you lay down to go to sleep. The cupped style of the mask will protect your extensions from rubbing against your pillow or blankets. Avoid wearing a flat sleep mask to keep your lashes from getting crushed. These can be purchased at your local department store in the sleepwear section, or online with major retailers. Don't drape your arm over your eyes when you go to sleep at night. Even with the mask, this will apply a tugging pressure to the extensions and will eventually cause the lashes to fall out prematurely. Rubbing your eyes extensively will cause your eyelash extensions to loosen and fall out. Make the conscious decision not to rub your eyes when you wake up. This may be hard to do at first, but after a few days, you should be able to break the habit.
A: Sleep on your back to avoid crushing your lashes. Invest in a form-fitting pillow that will keep you from rolling onto your side. Purchase a cupped facemask to protect your lashes while you sleep. Avoid rubbing your eyes when you wake up to prevent damaging the lashes.

Article: Choose two canes that are roughly the same thickness as your pinky finger. Ideally, they should grow as near to the head of the vine as possible, and the buds should be close together. The "head" of the vine is the point at which the trunk intersects with the top wire of your support system. The two canes should be positioned on either side of the trunk. These two canes will be your primary canes. During the following season of growth, they will grow new shoots that can bear fruit. Selecting canes close to the trunk head prevents the arms from becoming too long. Excessively long arms can create nonproductive gaps in the vine. Make sure that your chosen canes have firm wood with a brown outer layer of bark nearly all the way to the tip. They must not have any visible damage, either. Prune your two chosen canes down so that only 8 to 10 buds remain. Tie the remaining portions of both canes to your support system. Choose four additional shoots that are thinner than your two primary canes. Trim these down to two buds each. These spur canes will act as sources of renewal during the following year's cane production. These shoots should all be close to your primary side canes. Remove any other cane not already selected by cutting it away at trunk level.
Question: What is a summary of what this article is about?
Select one or two canes. Trim the canes down. Set aside one or two spur canes. Cut away the rest of your canes.

Problem: Article: The "right time" means something different for every kid and every parent. As a general rule of thumb, consider that your child should probably know how to practice safe, consensual sex by the time that he or she winds up in a sexual situation. If your child is approaching his or her teen years, then hormones are coming, and the time is nigh. In this digital age, more children are learning about sex from the Internet. If your child gets curious, then they may do a lot of exploratory searching. Use your knowledge to act as a guiding figure. Your child may know more than you think. Many schools incorporate some form of sexual education into their curriculum. Try using this as a reason to engage with your kids about the realities of sex. Set yourself up as a resource, and offer to answer any questions that your children might have. Sex can be an embarrassing topic for adults to discusslet alone children or teenagers! If the topic comes up naturally, then take the opportunity to discuss it. Otherwise: plan out what you are going to say, and try to build upon what your child already knows. Keep an open mind. Be respectful of boundaries. If your son or daughter doesn't want to talk about the "birds and the bees," then don't force the conversation. There are various books, websites, and other resources available that make it easier for kids and teenagers to learn about healthy sex. If your child is younger than 10-12, consider going through these resources one-on-one. If you are dealing with a teenager, then you can likely just pass along the information and let your teen explore on his/her own time. What Makes A Baby by Cory Silverberg is a children's book for parents looking to explain to young children how babies are conceived and born. The website BishUK provides a range of topics for parents and teens. The site covers not only the physical aspects of sex, but its emotional impact. MTV, as an offshoot of their Teen Mom series, runs the website [mysexlife.org mysexlife.org]. The site helps teenagers understand sex and sexuality, and it can help teach young adults how to make safe decisions regarding their bodies. Speakeasy, a Family Planning Association, features online guides to help parents talk to kids about sex and reproduction. There are guides available for a variety of ages.
Summary:
Know when it's time to talk to your child about sex. Bring it up gently. Use outside resources.