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Shamim Ansary:
What Are the Two Most Common Media to Grow Bacteria?

Beef extract and peptanes, or hydrolyzed protein, are the basic ingredients of nutrient broth.

These materials supply a variety of carbon sources, nitrogen compounds in the form of amino acids, and a mixture of cofactors such as vitamins.

The addition of agar, a complex carbohydrate extracted from seaweed, results in a solid medium.

Agar is an ideal solidifying agent for microbiological media because of its melting properties and because it has no nutritive value for the vast majority of bacteria.

Solid agar melts at 194-212°F (90-100°C); liquid agar solidifies at about 103°F (42°C).

Shamim Ansary:
When Will You Stop Growing?

Girls reach their full height when they are about 18 years old, but boys keep growing taller for a few more years.

There are two periods in your life when you grow very rapidly. The first period began right after you were born and lasted until you were about six months old. The second period occurs when you reach your early teens. Girls grow faster than boys until they become teen-agers, then boys catch up and grow faster and stronger.

Your head stops growing earlier than the rest of you. When you were a newborn baby, you looked as if you were almost all head. By the time you were 10, your head was nearly full size.

The bones of your arms and legs were short when you were a baby. When you reached the age of 9, your bones started to grow rapidly and will keep growing until you reach your full height.

Besides growing taller, your body changes in other ways. When a boy is about 13 years old, his voice begins to get deeper and he may begin to grow a beard. About the age of 13, a girl’s body begins to look and function like a woman’s. Inside the bodies of both teen-age girls and boys, important changes are taking place, changes that make it possible for boys and girls, when they are older, to become fathers and mothers.

Shamim Ansary:
What Causes One Person to Feel Hot While Another Feels Cold at the Same Room Temperature?

It is a complex question, made even more complex by factors like the prior activity of each individual and how long each has been in the room.

Assuming that both people have become acclimatized to the room and that neither is running a fever, there are two important factors.

One is the percentage of body fat, with the higher percentage retaining more heat.

The other is the surface-to-mass ratio for each body, with the larger skin area radiating more heat.

If the room temperature is below the thermoneutral zone, so that the bodies are losing heat to the environment, the person with the larger surface-to-mass ratio feels cooler.

If it were possible to obtain a population of women with exactly the same percentage of body fat as a population of men, the women would feel colder, because they have a larger surface-to-mass ratio.

If a person is running a fever, the phase of the fever determines whether he feels hot or cold.

In the rising phase of a fever, for example, the person feels cold, and the peripheral blood vessels are constricted in an attempt to retain heat and raise the body temperature.

Shamim Ansary:
What Is Credit and Why Is Credit So Important for Most People?

Credit refers to your ability to borrow money and then pay it back over a period of time.

It also refers to how trustworthy a person is considered to be in terms of whether he or she will be eligible for loans and be able to pay off loans.

Credit is important because most people cannot afford to pay cash for large purchases, such as houses and cars. You need good credit in order to receive financing in order to obtain a loan to make large purchases.

Shamim Ansary:
What Is a Bridge Loan?

A common type of hard money mortgage loan is the bridge or gap loan. As the names imply, it is used to connect transactions (bridge) or fill a void (gap) between transactions. The following are examples of the use of these loans.

• Your home is in foreclosure. You can sell it and come out with some money, but you need time to do this. You already have a buyer and have opened escrow. You get a temporary loan to reinstate your mortgage until your sale is finalized.

• You want to buy property, but have to act immediately. You can either sell other property or arrange financing to cover the purchase, but you do not have time for either. You get a hard money loan until you can either sell or arrange suitable financing.

• You have a small business. You have an opportunity to buy inventory at a once-in-a-lifetime price. You know that you can make a large profit, but you need cash to take advantage of the deal. You get a hard money loan until you can sell off enough of the product to pay it off.

All of these loans involve the borrower mortgaging property, usually his or her home, for a short period of time. Most of these loans are for one year or less. They depend on equity for security, and the borrower’s credit or income-to-debt ratios are of secondary importance. The loans fund quickly, some as fast as one week.

The up-front cost of these loans is usually one or two points, plus miscellaneous fees. The higher cost comes when the loan is repaid. This can be as high as 10% of the balance.

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