+ His music includes elements of folk music, rhythm and blues, hip hop musichip hop, and symphonic music.
+ Over the years, different sub-genres of progressive rock have been created, such as symphonic rock, art rock, math rock, and progressive metal.
+ There are several names similar to concert band like wind band, symphonic band, symphonic winds, wind orchestra, wind symphony, wind ensemble, or symphonic wind ensemble.
+ The album Mother Earth this mix of gothic rock, gothic metal, alternative rock, symphonic metal and folk metal.
+ She is the current lead singer of the Finnish symphonic metal group Nightwish.
Make sentence of symphonic
Example sentences of “symphonic”:
+ Bradley was born in Oakland,CA.Growing up in Richmond,CA,Bradley was first exposed to music by his mother Janice,and his Uncle Jerley.She played piano in the house, and encouraged Stephen to practice the Trumpet,when he took it up at age 13.Bradley continued to become more serious about music at El Cerrito High School,playing in the Jazz Ensemble,and the Symphonic Band.
+ The album "World of Glass" is a mix of gothic rock, gothic metal, alternative rock, symphonic metal and folk metal.
+ The early period can be described as symphonic black metal, and after 2004 the music of the band has transformed into pure black metal style.
+ Bradley was born in Oakland,CA.Growing up in Richmond,CA,Bradley was first exposed to music by his mother Janice,and his Uncle Jerley.She played piano in the house, and encouraged Stephen to practice the Trumpet,when he took it up at age 13.Bradley continued to become more serious about music at El Cerrito High School,playing in the Jazz Ensemble,and the Symphonic Band.
+ The album “World of Glass” is a mix of gothic rock, gothic metal, alternative rock, symphonic metal and folk metal.
+ The early period can be described as symphonic black metal, and after 2004 the music of the band has transformed into pure black metal style.
+ He spent several years composing a cycle of six symphonic poems called “Ma Vlast”.
+ What few symphonic passages exist in the ballet are not the best Tchaikovsky wrote.
+ They helped to prepare for the French symphonic organ style, which was to include many famous composers from the late 19th century onwards: people such as Vierne, Charles-Marie Widor and Marcel Dupré.
+ Their material contains elements of symphonic metal, progressive metal and NWOBHM.
+ In 1934, when symphonic pieces from Alban Berg’s “Lulu Lulu” were performed by Kleiber, the Nazis created a scandal and Kleiber had to go into exile.
+ From 1983 to 1988 he was part of the Juvenile Symphonic Costa Rican Orchestra.
+ Some composers wrote ballades for orchestra, but they are really like short symphonic poems.
+ He himself wrote symphonic poems such as “Le Rouet d’Omphale”.
+ Tchaikovsky however would base “Swan Lake” on a symphonic scale.
+ Because the story was so weak and did not permit symphonic development, Tchaikovsky indulged his taste for “prettiness” in the separate numbers.
+ Composer Bedřich Smetana wrote a symphonic poem about this river, sometimes called “The Moldau”.
+ In 1989 he worked as a soloist with the National Symphonic Orchestra.
+ He studied with the percussionpercussionist Giovanni Hidalgo and in the teen program of the National Symphonic Orchestra.
+ Geoffrey Ernest “Geoff” Duke was a British peopleBritish multiple Grand Prix road racing world champion.
+ Daytona has hosted racing for many years.
+ It began in 1996 as a competitor to CART known as the Indy Racing League.
+ It was built in 2001 and holds two NASCAR race weekends, The Verizon IndyCar Series hosted events in 2011, The speedway hosts two Monster Energy NASCAR Cup Series races, one NASCAR Xfinity Series race and NASCAR Camping World Truck Series race, and NASCAR also hosts the ARCA Racing Series since October 7, 2011.
+ In addition to his racing duties, Badoer has been active as one of the test drivertest and reserve drivers for Ferrari since 1997 and in 2009 stood in for Ferrari’s regular race driver European Grand Prix and the Belgian Grand Prix, after the Brazilian was injured during qualifying for the Hungarian Grand Prix and his original replacement, Michael Schumacher, pulled out due to injury.
+ Stewart, who was to stop racing at the end of the season, and Tyrrell decided they did not want to keep racing.
+ Paul di Resta is a Scottish auto racing driver.
Some example sentences of racing
Example sentences of “racing”:
+ The company did well in several automobile racing competitions in Europe.
+ Formula One is the top level racing championship worldwide.
+ A remake for the Nintendo DS called “Diddy Kong Racing DS” was released on February 5, 2007 in North America and on April 20, 2007 in Europe.
+ Marussia is led by former racing driver Nikolay Fomenko.
+ Franchitti retired from racing after this crash.
+ He spent many years racing in lower open-wheeled circuits like the U.S.
+ It should only be used for competitive racing cyclists, namely professionals and those competing at Olympic or World level.
+ The Jarama’s name carried a special double meaning; intended to refer only to the historic bullfighting region in Spain, Ferruccio was concerned about confusion with the also historic Jarama motor racing track.
+ He also competed in VLN endurance racing and 24 Hours Nürburgring.
+ The Secretsecrecy was broken by racing journalist Forrest Bond when the 1997 Concorde Agreement was published in 2006 by RaceFax.
+ Labonte’s first NASCAR race came in at Darlington Raceway, racing the #92 Duck Industries Chevrolet.
+ The company did well in several automobile racing competitions in Europe.
+ Formula One is the top level racing championship worldwide.
+ A remake for the Nintendo DS called "Diddy Kong Racing DS" was released on February 5, 2007 in North America and on April 20, 2007 in Europe.
+ He also drove the #11 FedEx ExpressFedEx Chevrolet for Joe Gibbs Racing part time, following the release of Joe Gibbs Racing, finishing ninth at Richmond.
+ A lot of racing is done around buoys or marks in safe water near the shore but some longer offshore races cross open water.
+ During the 1950s and 1960s, there was also a three-mile-long international Grand Prix motor racing circuit on the site, which used the same grandstands as the horserace.
+ Symptoms of anxiety attacks are things like; sweating, shaking and tremors, palpitations, shortness of breath, hyperventilating, racing heart beat, tingling in hands and feet, feeling of impending doom, feeling you are having a heart attack.
+ Karun Chandhok is an Indian racing driver.
+ In the 1950s, he won six List of Grand Prix motorcycle racing World Championsworld championships and six Isle of Man TT races.
+ It is the first “Crash Bandicoot” racing game and the last to be developed by Naughty Dog.
+ Today, the wide tyres are still the standard in sport racing cars.
+ Two tubes of amphetamines and more empty tubes were found in the rear pocket of his racing jersey.
More in-sentence examples of “racing”:
+ His father John Button was a racing driver.
+ Returning home to Kentucky, Clark organized the Louisville Jockey Club for the purpose of raising money to build quality racing facilities just outside the city.
+ In 2013, he retired from racing after he was hurt in a crash during a race.
+ His father John Button was a racing driver.
+ Returning home to Kentucky, Clark organized the Louisville Jockey Club for the purpose of raising money to build quality racing facilities just outside the city.
+ In 2013, he retired from racing after he was hurt in a crash during a race.
+ The Sepang International Circuit is a racing circuit in Sepang, Selangor, Malaysia.
+ From its beginnings, Elf used motor racing as a means of promotion.
+ For 1998-1999, the series received its first title sponsor, and was known as the “Pep Boys Indy Racing League”.
+ Stewart started racing in the Winston Cup series in 1999.
+ However, in 2000, he got a big break when Team Penske signed him after Greg Moore, who the team originally wanted to drive for them, died in a racing accident in 1999.
+ Red Bull Racing and Scuderia Toro Rosso changed drivers during the season, when Red Bull driver Daniil Kvyat switched places with Toro Rosso driver Max Verstappen.
+ Kart racing is generally accepted as the most economic form of motorsport available.
+ Sepang International Circuit also features kart racing and motocross facilities.
+ Alberto Contador Velasco is a SpainSpanish road bicycle racing road racing cyclist for the Astana Team.
+ The cars, called “stock cars”, look like passenger cars, but have plenty of racing upgrades.
+ In January 2011, he was signed to drive for the Hispania Racing team in the 2011 Formula One season.
+ The NASCAR Cup Series is the highest level of racing in NASCAR.
+ For articles about the racing formulae that are used by such championships, may be more appropriate.
+ Many famous racing drivers have driven for Williams, including Finland’s Keke Rosberg; United KingdomBritain’s Drivers’ title with the team.
+ The below editors have copy/pasted several articles regarding racing events from enwiki.
+ Similar to Roary the Racing Car, Mopatop’s Shop, Fifi and the Flowertots and Driver Dan’s Story Train on Sprout.
+ The regulations say that cars must be built by the racing teams themselves, though the design and manufacture can be done by others.
+ Before the fireworks start, additional festivals, such as concerts or racing are held.
+ A 2009 version of a Toyota Racing chassis is being used to test the tyres.
+ In Formula One racing the terms “constructor” and “entrant” do not mean the same thing.
+ After the 2010 season, Proton ended the license for Lotus Racing to use the Lotus name.
+ This became the standard design for racing inline-four engines.
+ WilliamsF1, the trading name of Williams Grand Prix Engineering Ltd., is a Formula One motor racing team and constructor.
+ Due to the track’s unique layout, the race generates annual discussion, with media, fans and participants both in favor and against racing this event, Due to the speedway’s layout, Road course ringers are common, A NASCAR term standing for drivers only on road course races.
+ In 2012 Keselowski drove his Miller Lite Dodge to 5 wins, as well as racing in a short schedule in the Nationwide series.
+ Heikki Johannes Kovalainen is a FinlandFinnish Formula One racing driver who spent the 2008 and 2009 seasons with British-based team Vodafone McLaren Mercedes.
+ It is best known as the home of the “Circuit de Nevers Magny-Cours”, a famous Auto racing circuit.
+ Denis Clive “Denny” Hulme was a New Zealand racing driver.
+ She was a member of Racing Roma when they won the Women’s LEN Trophy in 2006-2007, and 2007-2008.
+ He suffered a fatal injury when competing in Point-to-point racing on 18 May 2018 at the age of 11.
+ He brought more racing to the Speedway.
+ After Toyota pulled out of the sport, following the 2009 Formula One season2009 season, he joined the new Lotus Racing team in 2010.
+ The town is known for its Auto racingmotor racing circuit, the Hockenheimring.
+ A Jaguar-badged version of the HB was used for a short time in sports car racing with the Jaguar XJR-14.
+ He won a silver medal in the amateur motor-paced racing at the 1959 UCI Track Cycling World ChampionshipsWorld Championships in Amsterdam.
+ It was named after racing driver Ricardo Rodríguez.
+ Jules Bianchi was a French peopleFrench racing driver.
+ The Hungaroring is a Formula One racing circuit in Mogyoród, near Budapest, Hungary where the Hungarian Grand Prix is held.
+ Istanbul Park, also known as the Istanbul Racing Circuit or initially “Istanbul Otodrom”, is a motor sports racetrack in Akfırat County east of Istanbul, Turkey.
+ The club formed from a merger of two football clubs ; Racing Stade Roubaisien and Roubaix Football in 1990.
+ Speed started kart racing at the age of 10.
+ The origins of burnouts can be traced to drag racing, where they have a practical purpose: drag racing tires perform better at higher temperatures.
+ The team’s name was inspired by the Smokey and the Bandit trilogy and Skoal Bandit, a primary sponsor for the team as a result of also sponsoring Reynolds’ motor racing team.
+ The first was corrosion of surface and water that entered into the cracks in the limestone and created large underground spaces.
+ Certain issues with the previous design were addressed, for instance, the front wings were made of plastic, following problems with corrosion on the previous model.
+ The pertechnetate ion could be used as to prevent anodic corrosion in steel.
+ Problems with corrosion are mostly with metal, though other materials can corrode.
+ This corrosion takes the metal and puts it in the chemical compound, leaving the copper behind.
+ Stainless steels have a higher resistance to oxidation and corrosion in many natural and man-made environments, Different stainless steels have different amounts of different metals in them, and they are good for different purposes.
Example sentences of corrosion
Example sentences of “corrosion”:
+ It is also used to prevent corrosion in some nuclear reactors.
+ Common desired characteristics include ductility, toughness, corrosion resistance, and strength.
+ This field also commonly involves corrosion prevention and surface treatment of metals.
+ Copper and brass electrical connectors, especially those used with computer and audio/video equipment, are often plated with gold for corrosion resistance.
+ The severe corrosion was due to the many pressurization flight cycles the aircraft had experienced, and that cracks produced were probably undetected.
+ Aluminium prevents corrosion by forming a small, thin layer of aluminium oxide on its surface.
+ Within two years of its opening to traffic, corrosion cracks were noticed on some parts of the bridge.
+ It is the most corrosion resistant metal.
+ About 59% of zinc is used for corrosion prevention, which includes galvanizing.
+ One form of high temperature corrosion can lead to the formation of compacted oxide layer glazes, which under certain circumstances reduces wear.
+ It improves strength and durability of lead and makes it more resistant to corrosion by sulfuric acid.
+ It is also used to prevent corrosion in some nuclear reactors.
+ Common desired characteristics include ductility, toughness, corrosion resistance, and strength.
+ This field also commonly involves corrosion prevention and surface treatment of metals.
+ Iron corrosion is called rusting.
+ Some metals, such as aluminium, titanium, and stainless steel form a very thin coating of tough corrosion on the metal.
+ Stainless steel’s corrosion resistance is based on this compound.
+ Tin foil is resistant to corrosion and oxidation.
+ This also eliminates the threat of corrosion to the system and increases safety.
+ There are many additives to make concrete set faster, set slower, set stronger, reduce corrosion and so on.
+ Although there was early speculation that the crash was caused by a bomb, an investigation by the Republic of China Civil Aeronautics Board concluded that severe corrosion led to a pressure hull rupture.
+ This layer prevents further corrosion by reducing its permeability to water.
+ Many large cities put up a huge Christmas tree in a public place, such as those in Trafalgar Square in London, Times Square in New York and Martin Place in Sydney.
+ The Christmas tree is a tradition associated with the celebration of Christmas.
+ In his retirement years, he became a Christmas tree farmer.
+ It has many pohutukawas, native trees also known as the New Zealand Christmas tree because of their brilliant red flowers which bloom in December.
+ A Christmas tree is a tree decorated for Christmas.
+ Average literacy rate of Neyveli city is 90.98%.
+ The taluk had a literacy rate of 60.38.
+ The taluk had a literacy rate of 61.6.
+ The taluk had a literacy rate of 78.05.
+ The taluk had a literacy rate of 64.54.
+ South Goa has a sex ratio of 980 females for every 1000 males, and a literacy rate of 85.53%.
literacy some ways to use
Example sentences of “literacy”:
+ Juengling has advocated for increased literacy in the overall population, and started a queer men’s book club in Portland in 2013 through the Cascade AIDS Project.
+ One of the things that Barnes Noble does in the community is sponsor a children’s summer reading program that promotes literacy and puts over 2 million books into the hands of the children each year.
+ In 2011, literacy rate of this village was 77.27% compared to 61.80% of Bihar.
+ General populace is educated with literacy rate of 55%.
+ The taluk had a literacy rate of 81.18.
+ As a result, most Singaporeans have at least conversational ability and basic literacy in a minimum of two languages: English, and the language that is used at home.
+ The average literacy of the town was 76.04%, compared to the national average of 72.99%.
+ Supporting research at the faculty of medicine: the development of imperial college London’s Medicine Information Literacy Group.
+ John Maxwell Coetzee is a South African-Australian novelist, essayist, linguist, literacy critic, activist and translator.
+ Kanglatongbi has a high literacy rate as compared to the entire state, Manipur.
+ The literacy rate of Uganda is 68%, which mean people in Uganda who are at least 15 years old know how to read and write.
+ The taluk had a literacy rate of 70%.
+ The average literacy of the district was 74.86%, close to the national average.
+ The literacy rate is approximately 99.7%.
+ Ghaziabad has a sex ratio of 878 females for every 1000 males, and a literacy rate of 85%.
+ Tunceli has one of the highest literacy rates in Turkey.
+ The literacy rate was 85.62 per cent.
+ One of the tablets confirms that Roman soldiers wore underpants, and also testifies to a high degree of literacy in the Roman army.
+ This correspondence suggests that a contributing factor to a society’s level of civic literacy is the capacity of schools to ensure students attain the functional literacy required to comprehend the basic texts and documents associated with competent citizenship.
+ Juengling has advocated for increased literacy in the overall population, and started a queer men's book club in Portland in 2013 through the Cascade AIDS Project.
+ One of the things that Barnes Noble does in the community is sponsor a children's summer reading program that promotes literacy and puts over 2 million books into the hands of the children each year.
+ In 2011, literacy rate of this village was 77.27% compared to 61.80% of Bihar.
More in-sentence examples of “literacy”:
+ The Empire of Japan had brought changes to the Japanese writing system during the earlier Meiji Restoration to make literacy and education more widely available to all Japanese citizens.
+ The average literacy of the district was 69.66%, compared to the national average of 72.99%.
+ The literacy rate of Namli Maira is about 75%.
+ The rate of literacy among the Dalits, as per 1991 census, was 37.41% as compared to 57.69% for non-Dalits.
+ Shyampur has an average literacy rate of 52.68%, and the national average of 32.4% literate.
+ The literacy rate for Bali is 45.55%.
+ In 2011, literacy rate of Shahzadpur village was 85.41 % compared to 75.55 % of Haryana.
+ The Coimbatore district had a population of 34,58,045 with literacy rate of 84% and sex ratio of 1000 females per 1000 males.
+ The taluk had a literacy rate of 67.57.
+ The taluk had a literacy rate of 65.6.
+ He is also praised for having improved the Social statusstatus of women in China and for improving literacy and education.
+ Private English Medium Schools are also here – these account for the high literacy rate.
+ She is the only author to have three children’s books make the Best Children’s Books for Family Literacy list in the same year.”The Pennsylvania Center for the Book presents the 2010 A Baker’s Dozen: The Best Children’s Books for Family Literacy, accessed May 16, 2011.
+ It is a peaceful area with high literacy and low crime rates.
+ Gautam Budh Nagar has a sex ratio of 852 females for every 1,000 males, and a literacy rate of 82.2%.
+ The district has a literacy rate of 72.84%, higher than the state average of 69.72%.
+ The literacy rate in Benin is one of the lowest in the world.
+ The taluk had a literacy rate of 70.41.
+ As places using Traditional Chinese characters did not have literacy problems, in 2009 Pan Qing-Lin, a Chinese official, suggested to stop using Simplified Chinese characters.
+ Conscious language revival movements in the 19th century, such as Félibrige in Provence, coupled with wider literacy and regional presses, enabled a new flowering of literary production in the Norman language and others.
+ Thrissur has a literacy rate of 86%, higher than the national average of 59.5%: male literacy is 87%, and female literacy is 85%.
+ In Pandalam, male literacy rate was 97.84% while female literacy rate was 95.80%.
+ The taluk had a literacy rate of 71.41.
+ The taluk had a literacy rate of 72.65.
+ The Empire of Japan had brought changes to the Japanese writing system during the earlier Meiji Restoration to make literacy and education more widely available to all Japanese citizens.
+ The average literacy of the district was 69.66%, compared to the national average of 72.99%.
+ The literacy rate of Namli Maira is about 75%.
+ The literacy rate of the city is 94.20%.
+ The taluk had a literacy rate of 74.84.
+ The taluk had a literacy rate of 64.96.
+ In Arimalam, Male literacy is around 87.25% while female literacy rate is 70.69%.
+ The literacy rate is 90.18%.
+ Can Braille be revived? A possible impact of high-end braille and mainstream technology on the revival of tactile literacy medium.
+ Medicine is socialized and so is education, making Argentina’s literacy rate about 98%.
+ Mass literacy needed cheap books.
+ In Shahzadpur Male literacy stands at 90.68 % while female literacy rate was 79.51 %.
+ The average literacy of the district was 65.64%, compared to the national average of 72.99%.
+ A tremendous change has been observed in the literacy rate of Nagar over the past 5 decades.
+ The taluk had a literacy rate of 73.87.
+ The taluk had a literacy rate of 76.08.
+ Before he became a writer, Freeman worked as a game designer for a children’s literacy video game.
+ The literacy rate of the city is 82.59%.
+ Although King Sejong the Great led the development of Hangeul to allow literacy to spread among common people and to create a writing system that represented the language more accurately than Hanja, it was not adopted by the upper classes of Koreans.
+ The average literacy of the town was 80.77%, compared to the national average of 72.99%.
+ She was chairwoman of the Board of Reading is Fundamental, the nation’s largest children’s literacy organization, as well as chairwoman of the President’s Advisory Committee for Women.
+ From 1890 to 1910, all the states of the former Confederacy passed new constitutions and other laws that found new methods to get around the Fifteenth Amendment, such as poll tax poll taxes, residency rules, and literacy tests administered by white staff, sometimes with exemptions for whites via grandfather clauses.
+ Shahzadpur has higher literacy rate compared to Haryana.
+ The literacy rate is 89%.
+ Until then, literacy was mainly for Clergyclerics, that is, people who had training as priests.
+ A transformer is a device that transfers electrical energy from one electrical circuit to another through mutual and without change in frequency.
+ An electric motor changes electrical energy into mechanical movement.
+ Transmission of electrical energy can happen naturally.
+ In any of these cases, the International System of UnitsSI unit of electrical energy is the joule; which is the amount of energy used by a one-watt load, such as a tiny light bulb, drawing power for one second.
+ An extremely important class of oxidation and reduction reactions are used to provide useful electrical energy in batteries.
+ An electrical machine is an electrical device that changes energy from one form to another, usually from mechanical energy to electrical energy or from electrical energy to mechanical energy.
+ The electrical energy required is small, but it has to be given very fast because since the flash doesn’t last long.
+ In factories, electrical energy powers machines.
Electrical energy – example sentences
Example sentences of “Electrical energy”:
+ A battery converts chemical energy into electrical energy by a chemical reaction.
+ If a person or an animal touched a bare wire carrying current, they could get hurt or even die depending on how strong the current was and how much electrical energy the current is transmitting.
+ A battery converts chemical energy into electrical energy by a chemical reaction.
+ If a person or an animal touched a bare wire carrying current, they could get hurt or even die depending on how strong the current was and how much electrical energy the current is transmitting.
+ A one watt lightbulb, for example, will change one joule of electrical energy into light energy every second, thus “consuming” it.
+ A capacitor is a very common electrical circuit device that can store electrical energy as charge.
+ An enhanced geothermal system is a geothermal energy system that can make electrical energy when natural underground water is not there.
+ This energy might be chemical energy in gasoline or electrical energy in a battery.
+ The loop is made up of sound and the electrical energy that the microphone and loudspeaker use to create that sound.
+ In district of Kozani products the main amount of electrical energy of Greece.
+ In physics, the conservation of energy is that energy can not be created or destroyed, it can only be changed from one form to another, such as when electrical energy is changed into heat energy.
+ An alternator is a generator which converts mechanical energy to electrical energy in the form of alternating current.
– These missions were often highly risky and critical for the safety of Turkish Infantry troops, tanks and transport vehicles.
– Building nuclear plants is seen to be “a risky business”, according to several notable credit rating agencies and investment analysts.Bill Theobald.
– He did not tell Huck because he wanted a risky plan to rescue Jim.
– If false accusations were, some day, to be punished, as an eye-for-an-eye, then false claims would be greatly reduced and made less likely, as being too risky to try.
– However, because of the many American land-based airplanes on Hawaii, he thought that it was too risky to attack directly.
risky – sentence examples
Example sentences of “risky”:
- At first, Urey was reluctant to put a graduate student on such a risky project but finally he agreed.
- An unsecured debt is more risky to the debt-holder.
- After going to dangerous lengths to prove herself, Bhumi is recruited into Fernandez's department, and begins to prepare for her risky new role.
– At first, Urey was reluctant to put a graduate student on such a risky project but finally he agreed.
– An unsecured debt is more risky to the debt-holder.
– After going to dangerous lengths to prove herself, Bhumi is recruited into Fernandez’s department, and begins to prepare for her risky new role.
– Jim is held in a shed and Tom has a risky escape plan.
– After the meeting, Longstreet assumed Lee had given up the risky Harpers Ferry scheme.
– In many cases, risky behaviour can provoke seizures.
– This was deemed too risky by the Dutch government and General Reijnders.
– Extremely risky instruments with high yield are usually called junk bonds.
– However, there is usually an order for which are most risky and which are the least: the least risky instruments, such as Treasury bonds, yield the least, then safe and “guaranteed” instruments like long-term deposits, then overnight deposits, and so on to the various municipal bond and corporate bonds.
– To score quickly, risky shots must be played which increases the chances of batsman being out.
– Solar cookers are also sometimes used for cooking outside, especially when using fire is risky or there is no fuel.
– A venture capital fund is a pooled investment vehicle that primarily invests the financial capital of third-party investors in enterprises that are too risky for the standard capital markets or bank loans.