Here is a question about this article: About 75% of the population is employed in subsistence agriculture upon Swazi Nation Land (SNL). In contrast with the commercial farms, Swazi Nation Land suffers from low productivity and investment. This dual nature of the Swazi economy, with high productivity in textile manufacturing and in the industrialised agricultural TDLs on the one hand, and declining productivity subsistence agriculture (on SNL) on the other, may well explain the country's overall low growth, high inequality and unemployment.
What is the answer to this question: In terms of Swaziland, what does SNL refer to?
****
So... Swazi Nation Land

Here is a question about this article: Countrywide, sued by California Attorney General Jerry Brown for "unfair business practices" and "false advertising" was making high cost mortgages "to homeowners with weak credit, adjustable rate mortgages (ARMs) that allowed homeowners to make interest-only payments". When housing prices decreased, homeowners in ARMs then had little incentive to pay their monthly payments, since their home equity had disappeared. This caused Countrywide's financial condition to deteriorate, ultimately resulting in a decision by the Office of Thrift Supervision to seize the lender.
What is the answer to this question: What happened to home equity when housing prices decreased?
****
So... disappeared

Here is a question about this article: Photometric studies (also sometimes referred to as "layouts" or "point by points") are often used to simulate lighting designs for projects before they are built or renovated. This enables architects, lighting designers, and engineers to determine whether a proposed lighting setup will deliver the amount of light intended. They will also be able to determine the contrast ratio between light and dark areas. In many cases these studies are referenced against IESNA or CIBSE recommended lighting practices for the type of application. Depending on the type of area, different design aspects may be emphasized for safety or practicality (i.e. such as maintaining uniform light levels, avoiding glare or highlighting certain areas). Specialized software is often used to create these, which typically combine the use of two-dimensional digital CAD drawings and lighting calculation software (i.e. AGi32or Dialux).
What is the answer to this question: What type of study is used to simulate lighting designs?
****
So...
Photometric studies