INPUT ARTICLE: Article: When your sugar mixture turns cloudy, it needs to be replaced. Yeasts eat sugar, causing fermentation that could potentially harm a hummingbird. A warm, sugary mixture is also a great place for mold and bacteria to grow. If possible, check your feeder every other day. Keeping an eye on your feeder will keep any harm from coming to the hummingbirds. If you find mold, mix cup of bleach in a gallon of water. Soak the feeder for an hour in this bleach mixture. Scrub any mold off and then rinse the feeder thoroughly before refilling it. Flush the feeder with hot tap water. Do not use soap--hummingbirds do not like the taste that soap leaves behind and will avoid your feeder if it has soap residue. Be aware that the amount of time you can leave hummingbird food outside depends on the temperature in which the feeder is hung in. If temperatures are 70 to 80 degrees Fahrenheit (21 to 26 C), change the food every 5 to 6 days. When temperatures are 81 to 90 degrees Fahrenheit (27 to 30 C), change the food every 2 to 4 days. If the thermometer tops 91 degrees Fahrenheit (32 C), change the food daily.

SUMMARY: Know that your food can cause harm if left to ferment or mold. Check your feeder for black mold as often as you can. Clean your feeder before your refill it. Change the food in the feeders regularly.

In one sentence, describe what the following article is about: A wide or broad rule of law may apply to all types of different factual situations that are similar to the case at hand. In contrast, a narrow or limited rule of law may only apply to a certain set of circumstances. Some court decisions address a point of law using very broad, generalized principles that can apply to a variety of factual situations. For instance, suppose a case established a rule of law that the Uniform Commercial Code applies to the sale of all motor vehicles. If the precedent case dealt with a truck, a court that later had a similar case involving a car rather than a truck would still follow the same rule of law. Other decisions are very fact-specific and restricted only to the case in which the rule is stated. A narrow rule of law gives courts the ability to distinguish similar cases based on slightly different facts from the precedent. If a rule of law only applies to a very specific factual situation, then courts won't be necessarily bound to reach the same result in cases in which the facts vary somewhat. The court decision will often state that its ruling is limited to a certain set of facts if it is intended to be a narrow rule of law. Otherwise, if the case is not too fact-specific, it is likely to be a broader rule of law. A broad rule of law will encompass many cases and fact situations because it is not limited to a particular set of facts. A narrow rule of law may only ever apply to a single case and set of circumstances.
Summary: Note that the ratio decidendi may be expressed in wide or narrow terms. Determine whether the rule of law in your case is broad or narrow. Realize that a broad rule of law will tend to apply to many more cases than a narrow rule of law.

Taking good care of your feet will lower the risk of getting a nail infection. Using simple preventative measures will help you avoid ever having to deal with nail fungus in the first place. Follow easy preventative measures to avoid nail fungus. Wear sandals or flip flops when in public areas. Never go barefoot. Clean and wash your feet everyday. Having too much moisture or warmth, brought on by socks or shoes, can encourage nail fungus to grow. Find shoes and socks that allow your feet to breathe. You should also make sure that your socks are always clean as they can harbor fungal spores. Make sure your shoes fit well and there is enough room for your toes. Discard old footwear that was worn while having an infection. Allowing this fungal infection to remain on your foot increases the risk of it spreading to your nails. Stop the potential spread by treating athletes foot as soon as you can. Mild cases of athletes foot can be treated with over-the-counter medications. Difficult cases may require prescription strength medication. Ask your doctor which is right for you. Always keep your nails trimmed evenly and short. Use a different pair of nail clippers for your infected nails and your healthy nails. Using the same pair can spread the fungus to healthy nails. Clean and sterilize your nail clippers and files after use.
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One-sentence summary -- Practice basic hygiene and foot care. Keep your feet cool and dry. Treat athlete's foot immediately. Care for your nails.

INPUT ARTICLE: Article: In most instances, creditors and lenders want to see a debt-to-income ratio of 36 percent or less. If your debt-to-income ratio is higher than this percentage, you might have difficulty securing a loan until after that percentage drops. A ratio of 19 percent or less is ideal, and if you can secure this level of financial security, you should have very little problem securing loans or taking on new credit. A ratio between 20 and 36 percent or less will usually be deemed healthy enough to secure a loan from most lenders, but you should begin cutting back once you . If your debt-to-income ratio is between 37 and 42 percent, you are in a state of minor financial crisis and may not be able to get any loans or new lines of credit. At a ratio between 43 and 49 percent, you will likely begin seeing financial difficulties in your everyday life in the near future. If your ratio is 50 percent or higher, you need to seek professional help to quickly reduce your debt. These are terms that are used when you are looking to secure a mortgage loan. Front-end debt ratios only use proposed monthly housing expenses, while back-end debt ratios use all existing debt and any new projected monthly mortgage payments. For most purposes, you should look at your back-end debt. Many lenders will usually look at front-end debt, but as a borrower, you should look at both front-end and back-end debt to determine how much you can actually afford regarding new loans and credit. Front-end debt-to-income ratios are also known as housing-expense-to-income ratios. This percentage should be at or below 28 percent, while a back-end debt-to-income ratio should be at or below 36 percent. If your debt-to-income ratio is higher than you would like it to be, you can help lower it by implementing lifestyle changes that decrease your debt levels. Increase the amount of money you pay toward your debts. If you can manage it, make extra payments toward your loan, house, car, or any other debt for which there is a principle you must pay off in addition to interest. Make sure that the payment goes toward your principle. This will lower your overall debt faster. Do not take on more debt. Put away the plastic and avoid making more purchases on your credit card. Do not apply for any other loans or lines of credit, either. Avoid making any large purchases. If you do not have much savings built up right now, wait until you do. This will allow you to make a larger down payment, and as a result, less of your purchase will be funded with credit and you can reduce the amount of debt you accumulate. Whether your debt-to-income ratio is healthy or not, monitoring it continually can help you avoid major credit problems. You should keep an eye on it even if you do not plan to make a major investment any time soon. If you know that your debt-to-income ratio is on the high end, keep tabs on it every month. Otherwise, checking the ratio once or twice a year should suffice. Having too much debt can lower your credit score, causing your lending limits to decrease and your interest rates to increase. Monitoring this ratio can help you make better decisions about buying on credit and taking loans out. It can also make the benefits of making more than your minimum credit card payments more evident and allow you to avoid major credit or financial problems in the future. If your debt-to-income ratio rises too high, you could have difficulty making major purchases and you might lose out on the lowest interest rates and best credit terms.

SUMMARY:
Know how your ratio looks to lenders. Understand the difference between front-end and back-end debt. Take steps to lower your debt-to-income ratio, if necessary. Monitor your debt-to-income ratio periodically.