In one sentence, describe what the following article is about: Knowing your total debt payments per month is important. But creditors like to look at the ratio of your total debt service to your total income in order to evaluate your creditworthiness. This is called the debt service coverage ratio (DSCR). The debt service coverage ratio (DSCR) measures the percentage of net income used for debt service coverage. It is calculated by dividing the total net income by the total debt service, using the equation DSCR = total net income / total debt service. Creditors look at this information to assess a debtor's ability to pay current or new loans. They want to be sure that the borrower has enough operating income to cover current debt plus enough left over to service new loans. The higher the ratio, the more capable the company is of paying its debt obligations on time. Use this formula: net income / total debt service. For example, suppose a rental company generates a net income of $500,000 and has a debt service of $440,000. The debt service represents the total annual mortgage payments on the properties the company owns. The DSCR is calculated with the equation $500,000 / $440,000 = 1.14. The rental company generates 14 percent more income than they need to service their debts. The minimum DSCR a lender may demand varies depending on the performance of the economy. Lenders may overlook lower DSCRs when the economy is growing. However, such lack of scrutiny leaves lenders at risk for large numbers of borrowers defaulting on loans for which they shouldn't have qualified. If the DSCR is greater than 1, then the company or individual has enough cash to service the debt. If the DSCR is less than 1, then there is not sufficient cash to service the debt. For example, a DSCR of .87 means that the individual or business only has enough cash to pay 87 percent of the interest and principal on debt for that year. The borrower would have to draw from savings or borrow more to service the debt. Some creditors may require debtors to keep their DSCR above a minimum threshold while the loan is outstanding. Most creditors will require a ratio of 2 or more before granting any new debt.
Summary: Learn about the debt service coverage ratio. Calculate the debt service coverage ratio (DSCR). Analyze the DSCR.

Standard bocce sets contain 8 colored balls 4 balls each to a color, typically green and red and one smaller ball, called the jack or pallino. Different skill levels are often associated with different sizes of bocce balls. Smaller balls tend to be used by beginners and kids, while the larger ones are used by professionals. Regulation-sized bocce balls have a standard diameter of 107 mm (4.2 inches) and a standard weight of 920 g (~2 lbs). Standard bocce sets will run you at least $20, but if you're going to buy a professional set, you could need more than $100. Bocce ball can be played by two single players pitted against one another, or by two teams with two, three, or four players each. Teams of 5 or more are not advisable, as fewer balls than players means that not everyone will get a chance to bowl. " If you don't have a bocce court, you can always play in open space, although a defined court is preferred. A regulation court is a maximum 4m (13 feet) wide and a maximum 27.5m (90 feet) long, although any rectangular court measuring about 13'x90' should do. Regulation bocce courts have a raised barrier around the edge of the rectangle. In most cases, this raised barrier measures a maximum of 20 cm (~8 in) high. Mark a foul line, if not already given, beyond which players cannot step as they bowl a bocce ball. Some players prefer to pound a regulator peg in the exact center of the court. This is the point beyond which the jack or pallino must pass when it is thrown out at the beginning of the game. This is one variation of how many people play bocce, although it is not standard.
++++++++++
One-sentence summary -- Gather your bocce ball set. Choose your teams. Set up your game area, known as "the court.

Problem: Article: This will help keep the soil inside the pot and prevent it from falling out. Alternatively, you can tuck a coffee filter into the bottom of the pot, or use a piece of broken pottery. The mesh screen does not have to be big--anything large enough to cover the hole is fine. The broken pottery will keep the soil in the pot, but it will still allow water to drain out. Use a trowel or your gloved hands to fill your pot with potting (not gardening) soil. Keep adding soil until you are 2 to 3 inches (5.1 to 7.6cm) from the pot's rim. Gently pat the soil down with your hands. If your pot is made from clay, soak it overnight first. This will prevent it from absorbing the water from the soil. Use just enough water to make the soil damp. Be sure to mix it with a trowel so that you distribute the water throughout the soil. You want it to be evenly moist from top to bottom. Sometimes, wet soil compresses, so if it falls more than 3 inches (7.6cm) below the top edge of the pot, mix in more soil. How deep and wide this hole is depends on the size of your plant. Take a look at the pot that your herb came in, then dig a hole that is just a little bit larger than that. Be sure to leave enough room for the other herbs. Instead of digging right in the middle of the pot, dig close to the edge. Do not grab the plant by the stem and yank it up, as you can damage it. Instead, gently squeeze the plastic pot by the sides, then tip it over to slide the plant out. Do just 1 herb for now. Once you take the herb out of the pot, you want to get it into the soil as quickly as possible. If the roots are tightly packed, gently loosen them with your fingers first. Next, tuck the herb into the hole you just made, then fill any gaps in the hole with soil. Cover the root ball with 1 inch (2.5cm) of soil. Gently pat the soil down with your hands to make it nice and neat. Note that the soil level should remain the same from the store container to the newly-planted pot for most plants. Dig a hole into the soil, then remove the herb from its original pot. Set the herb into the hole, then cover it with 1 inch (2.5cm) of soil. Keep going until you have used up all of your herbs. Work 1 herb at a time. You don't want to leave the other herbs laying around outside of their original pots for too long. Leave a few inches/centimeters of space between each herb. Plant taller herbs in the center and shorter herbs around the sides. Pour enough water into the pot until it starts to come out of the bottom. Let the pot finish draining, then set it outside or on a sunny counter or windowsill. Place the pot on top of a plastic or ceramic tray. This will help keep your table or counter clean. Don't leave the excess water in the saucer. Lift the pot up and dump the water out.
Summary:
Cover the hole in the bottom of your pot with a piece of screening. Fill the pot with potting soil 2 to 3 inches (5.1 to 7.6cm) from the top. Dampen the soil then add more, if needed. Dig a hole large enough to it your first herb. Remove the plant from its original pot. Place the herb into the hole and cover it with 1 inch (2.5cm) of soil. Repeat the process for the remaining herbs. Water the soil well, then transfer the pot into a sunny location.