INPUT ARTICLE: Article: Each lender's application will be slightly different. However, most will ask your reasons for applying for the loan, as well as the identity of your management team. Also identify any suppliers you will be buying assets from. Each lender will pull your credit report, which will ding your credit score. However, all credit pulls in a two-week window will count as a single pull, so plan accordingly. You should hear back within two to four weeks. If you want, you can call once a week and ask for an update on your application status. The lender might need more documentation, so provide it as quickly as possible. About 80% of applicants for small business loans are rejected, so don't be surprised if you get turned down. Ask any lender who rejects you to explain why. For example, you might need to save a larger down payment or draft a better business plan. If no lender will give you a loan, consider other forms of funding, such as getting a business credit card. Any lender that approves you should provide a term sheet which contains the details of the loanthe loan period, the annual percentage rate, and fees. Make sure you are comfortable with the terms. You probably will need to personally guarantee the loan. This means that if you stop making payments, the lender can come after your personal assets, such as your car or home. Sign the term sheet or commitment letter and return it to the lender. The lender will then schedule a closing, which usually happens 45-60 days later. If your loan is guaranteed by the SBA, you'll work with the loan officer to gather the necessary documents to submit. At the closing, you will review and sign a variety of documents before receiving your loan proceeds.

SUMMARY: Fill out your application. Wait to hear back. Review the loan terms. Close on the loan.

INPUT ARTICLE: Article: Different things can trigger cold sores for different people. Typically, things like colds, fevers, sunlight, windy conditions, and stress can cause outbreaks. While you can't avoid all of these, of course, avoid the ones you can to help prevent cold sores from popping up in the first place. For instance, wear sunblock to avoid exposing your face to the sun and use protective lip balm with at least an SPF 15 to help block both the wind and sun. Work on cutting stress out of your life when you can. For example, if watching the news in the morning causes you to feel stressed throughout the day, skip it. Try taking yoga or adding meditation to your daily routine. Practice deep breathing when you start feeling stressed out. Getting overworked and stressed can cause outbreaks of cold sores. By making sure you get enough sleep each night, you can help combat fatigue and stress and hopefully, stave off cold sores. If you have trouble getting to bed on time, set an alarm an hour before you need to go to sleep. Turn off your electronics and start winding down for the night, preparing yourself mentally for bed. Make sure your bedroom is conducive to sleeping. Block out any light; for instance, use blackout curtains to hide street light. Similarly, use earplugs or a noise machine to help with noises that keep you awake. Think about locking your pets out of your bedroom if they tend to wake you up at night. If another person has a cold sore outbreak, avoid sharing products like makeup, razors, and towels. If you do, they can cause you to have an outbreak. Use your hygiene and makeup products only. Lipstick and lip-gloss are some of the main culprits. Similarly to makeup and hygiene products, food and utensils can pass the virus that causes cold sores back and forth. Stick to your own cups and utensils when eating and drinking. For the same reasons, don't kiss someone who has a cold sore outbreak.

SUMMARY: Learn your triggers and avoid them. Get 8 hours of sleep each night when possible. Skip sharing makeup and hygiene products with other people. Avoid sharing food and utensils with other people.

INPUT ARTICLE: Article: This is one of the easiest ways to accessorize. Color is one of the most important aspects of your dress, and if you pick accessories that are similarly colored to your dress, it will make your outfit look balanced and well put together. If you are wearing a light pink dress, choose pink or rose-colored accessories to go along with it. Matching doesn't have to be exact. For example, you can still wear dark pink shoes with a light pink dress. This adds some funkiness to your matching. Instead of matching your accessories to the overall color of the dress, match them to a secondary color in your dress. This works especially well with patterned dresses, because there is more than one color you can match with. If you are wearing a white dress with pink and blue flowers, wear pink or blue accessories. This is a great way to match with your dress in a more nuanced way. If your dress is an extremely bright color like bright yellow, wear neutrals to offset it. If you match your accessories directly with your brightly colored dress, you may look eccentric rather than put together. White, black, tan and brown are all neutrals that look good with almost any color. If you prefer some bling, try gold or silver jewelry instead. A patterned dress already has a lot going on. If you throw in accessories that are patterned or intricate, the look becomes too much. Your shoes, bag, belt, and/or jewelry should all be solid-colored. These accessories will help your dress make its statement. Try bright, red pumps with a blue-and-while polka dotted dress. If your dress has a floral pattern on it, a pair of simple, stud earrings would look especially cute. Pair it with black or leather flats to complete the look. If your dress is a neutral color like white, beige or tan, adding a bright accessory gives your outfit oomph. Whether it be a statement necklace, a handbag or your shoes, try to make one of your accessories a bright color. If your dress is a solid color, try wearing a patterned handbag or shoes. For example, you could wear a polka dotted bag with a white dress. Every color has a tone. Red, orange, and yellow all have a warm tone. Green, blue and purple are all cool toned. Similarly, gold has a warm tone to it while silver has a cool tone. Don't be afraid to experiment, however; gold can look quite striking with green. White and black are considered neutral tones, so you can wear gold or silver jewelry with them. Brown and tan come in cool and warm undertones. In this case, match the jewelry to the undertone.

SUMMARY:
Match your accessories to the color of your dress. Match your accessories to a detail in the dress. Wear neutral accessories with a bright dress. Wear subtle or solid-colored accessories with a patterned dress. Wear a boldlycolored accessory with a neutral dress. Match your jewelry to the tone of your dress.