American football rules
Game play in American football consists of a series of downs, individual plays of short duration, outside of which the ball is dead or not in play. These can be plays from scrimmage – passes, runs, punts, or field goal attempts (from either a place kick or a drop kick) – or free kicks such as kickoffs and fair catch kicks. Substitutions can be made between downs, which allows for a great deal of specialization as coaches choose the players best suited for each particular situation. During a play, each team should have no more than 11 players on the field, and each of them has specific tasks assigned for that specific play.
Objective of the game
The objective of this game is to score more points than the other team during the alotted time. The team with the ball (the offense) has 4 plays (downs) to advance at least 10 yards, and can score points once they reach the opposite end of the field, which is home to a scoring zone called the end zone, as well as the goal posts. If the offense succeeds in advancing at least 10 yards, they earn a "first down" and the number of tries allotted is reset and they are again given 4 tries to advance an additional 10 yards, starting from the spot to which they last advanced. If the offense does not advance at least 10 yards during their 4 downs, the team without the ball (the defense) regains control of the ball (called turnover on downs).
Point (mortgage)
Points, sometimes also called "discount points", are a form of pre-paid interest. One point equals one percent of the loan amount. By charging a borrower points, a lender effectively increases the yield on the loan above the amount of the stated interest rate. Borrowers can offer to pay a lender points as a method to reduce the interest rate on the loan, thus obtaining a lower monthly payment in exchange for this up-front payment. In United States, for each point purchased, the loan rate is typically reduced by anywhere from 1/8% (0.125%) to 1/4% (0.25%).
Selling the property or refinancing prior to this break-even point will result in a net financial loss for the buyer while keeping the loan for longer than this break-even point will result in a net financial savings for the buyer. The longer you keep the property financed under the loan with purchased points, the more the money spent on the points will pay off. Accordingly, if the intention is to buy and sell the property or refinance in a rapid fashion, paying points is actually going to end up costing more than just paying the loan at the higher interest rate.
Point (ice hockey)
In ice hockey, point has three contemporary meanings:
Trail of Tears (band)
Trail of Tears was a Norwegian gothic/symphonic black metal band originally formed in 1994 by Terje Heiseldal, Kjell Rune Hagen, Jonathan A Perez, Michael Krumins, and Ronny Thorsen, under the name of Natt. Through most of their career the band emphasised the use of contrasting soprano and death grunt vocals, except for the release of Free Fall into Fear in 2005, in which the band switched this contrast mostly to tenor and growls, with less frequent soprano passages. The band disbanded in 2013.
History
Formation and Disclosure in Red (1994 – 2000)
Formed in 1994, the band's initial name was Natt; the band recorded a self-titled demo with that name. In 1997 their name was switched to Trail of Tears, in order to reflect the evolution of their sound and the changes that had been made from their initial line-up. The first demo the band recorded was When Silence Cries..., which contained three tracks and was released in April 1997. Guitarist Michael Krumins left the band and was replaced by Runar Hansen shortly thereafter.
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