Let's say that a worker gets paid weekly. On payday they cash their check and put some of the money into envelopes for their budget.

The act of paying the dividend is like putting the money into the envelopes to spend, that's not a process that adds value so we'd expect the price to offset the change. Over the next period of time though we normally expect the company to earn money and that's when we'd traditionally expect the price to rise. Just like the worker earns his pay until the next pay period.

That's pretty normal. They way I describe it is you're now paying rent on the money you used to buy the home.

And give it a sweet theme with tons of synthesizer effects.

When running a national food chain one of the most important characteristics is making all your products taste pretty similar. Your prime customer is someone who comes in regularly and gets the thing he expects each time.

With coffee that means you want all your coffee to taste the same day after day, and year after year. Doesn't matter if your buyers bought extra beans from Brazil or Sumatra or Ethiopia because those were the years those nations had perfect weather and bumper crops so your bill of materials is down 15%, the coffee needs to be the same or close to the same every single cup.

So roasting enough that most of the flavors are coming from the roast is a really good way to ensure consistency. And because everyone's chain coffee is like that, they want their home coffee to be like that too. So dark roasts sell better and soon light/medium roasts become a niche product.

The curvy borders of Texas follow rivers (often based on the river course at some fixed point in time). The straight borders are specific latitude and longitude lines, for example the panhandle is formed by the 100th and 103rd meridians on either side up to 36 degrees 30 minute latitude for the northern border.

Surveyors use a variety of methods (GPS and lasers today) to convert a legal line into a physical straight line on the ground.

Google owns the company that provides those and google knows a lot about you (you may have a google account or from their cookies tracking your browser id). Google checks it's information about whether you're likely to be a real person and if it thinks it's very likely does nothing.

When it's not sure you get to identify something they need to train their AI or mark on google maps, like vehicles traffic control devices, fire hydrants, hills etc.

How easy is it for an individual to file bankruptcy in your country? Does your country have liquidation bankruptcy (where debtors can get nothing if a borrower has no assets)? How hard is it to collect on a defaulted debt? How easy is it to set up and collect a wage garnishment?

Lenders want to know a lot more about how likely people are to pay them back with there are legal ways for them to not be repaid.

Since you mentioned the Balkans, I found a source indicating Croatia (to use as an example) didn't have any legal means of personal bankruptcy. In the US, almost 2% of the population went through a personal bankruptcy last year (many of those bankruptcies likely resulted in most of those borrower's debts uncollectable). Credit scores are going to be a lot less important if there's no legal way for a borrower to not pay their debts.

Cosigning means the landlord is concerned your sibling will pay their rent so they want the cosigner to pay them if your sibling doesn't. You'd would be responsible for any missed rent and if you didn't pay the non-payment would be the same as not paying one of your own debts.

Usually when economists are discussing productivity, they're referring to the measure GDP divided by labor hours. So, for a therapist it's client billings per hour of therapist's time, for a bus driver it's passenger revenues, for a teacher it's pro rata tuition or the share of property taxes spent on education assigned to them.

There's a very nice browser game where you need to redistrict with specific goals to show how districts can be made and gerrymandered.

The name comes from a governor (perhaps of Massachusetts) named Gerry who drew a district that looked somewhat like a salamander (the creature was quickly named a 'Gerrymander'.

The QB calls an audible when he believes changing the play will lead to a better outcome than running the huddle play.

There are a huge number of defensive formations and offensive plays built to exploit each ones weakness, so if changing a play can allow taking advantage of a better matchup than the called play, many coach's systems allow the QB to make a read and change the play.

The other stuff is there to communicate various sub play options, like how a blitzing player should be blocked, and then there's a ton of chatter designed to prevent the defense from predicting the snap count.

Basically all the calories you take in are burned as heat (you get a small amount of work, but the vast majority are heat lost). If you're eating 2000 calories/day and not adding to your fat reserves, you're almost certainly releasing at least 1960 calories/day as heat.

No that's the stonecutter's guild.

You have to have exceptional reaction times, F1 cars are built to be driven very, very fast. There's a great comparison between GT cars and F1 cars going through the same part of a track in different races. Now consider that the cars on the left are the fastest cars on the street, made into race cars.

The next complication is if you can't drive it fast enough it's almost uncontrollable (the tires need to be warm to have the designed grip and the steering is designed to have enormous downforce applied). There's a great video of one of the Top Gear guys trying to drive an F1 car. He works his way up going through faster and faster racing series cars, and well before F1 speeds he's not able to react fast enough to get through the corners.

By the time he's in the F1 car, he's not able to control it.