This isn't a bad thing in Mother Nature's book. Species that are better adapted have been unable to get to these new habitats due to natural barriers. Now there's a natural event that has brought them in. And now it's time for evolution to get to work. It's not "disrupting" the balance, it's adjusting it.
Countless species have become extinct or had to move to other habitats due to evolution within and from outside their primary habitat. It's not Man's job to decide what species "aren't allowed to take over" a new habitat that WE didn't introduce them to.
It's a shame when a species loses out and goes extinct, but it's happened millions of times and will continue to do so in the future. That's just how nature works. If you don't like it, buy yourself an island and stock it with species that were unfit to compete.
I think some people would prefer a broken arm over a totalled car. And it certainly is annoying to hit a pole at 8mph and instead of bouncing off, it "eats" the pole and does $2000 in damage to the car.
The carbon was VERY well sequestered for ~700 million years..... until humans came-along and start digging it out of coal mountains/oil wells and burning it. If humans had not done that, the carbon would still be sequestered under the ground and GW not an issue.
You may not like it, but we are restoring the balance back to what it was so long ago. Who's to say that one way is better than the other? (unless you currently own beachfront property anyway)
Trying to do away with global warming in the end is about as futile as trying to do away with winter.
That would only be true if the plankton were buried and did not rot. Same as trees.
Unless you're going nuclear or launching it into space, nothing permanently gets rid of it. Plants just take CO2 and H2O and strip off the O into the air and use the CH for building material and energy storage. It's all going to go back into the pot again eventually no matter what you do with it.
"Sequestering" carbon in any way is about the same as "squestering" trash by burying it in the dump. Just gets it out of sight for awhile, you gotta think about the future.
When most or all your products range from 30% to 100% higher than Amazon, consumers with the slightest clue aren't going to set foot in your store except perhaps to look
Random search for a 2TB hdd: on amazon shows a WD green msrp $179 selling for about $120. Then searching Best Buy for same goes for the same price.
Quit pulling numbers out of your arse. BB usually isn't the SAME, this is actually a little unexpected to exactly match it, but they're usually within +30% at the worst
"I have a 10-year-old grandson who has shown an interest in chemistry. He is home educated and doesn't read as well as schooled kids of his age. He hasn't had much science education and no chemistry at all. None of his parents or grandparents have chemistry education beyond the school minimum and none feel confident about teaching it.
This. All of it. Unless you have the resources (personal knowledge or access to the necessary materials) you shouldn't be trying to home-school your kids. If it's obvious they're falling behind their schooled peers, that should be a wakeup call. This isn't going to kill the kid, but it's seriously hurting his opportunities later in life. Think about your kid's future here.
Unless you want him to wind up an unskilled factory drone (or worse) later in life, get him properly schooled. He's probably two or so years behind on the average, and is going to require some summer school / private tutoring just to play catch-up. Get it done now before you dig him into a deeper hole. Considering your resources, if you're still deadset-insistant on home-schooling, you are going to need to hire a private tutor to fix and then complete his education.
Even that isn't saving them. A lot of consumers now go to Best Buy etc brick'n'mortar to "window shop", find what they want, write it down, and go home and amazon it etc. The brick'n'mortar stores are tired of being the window shopping of the online clearance stores.
We've got a Best Buy in town, they moved in when Circuit City left. I don't know if I will miss them much. I've bought stuff from them before, and the get-it-the-same-day is a nice convenience, but it always comes at a cost. But sometimes it's worth it. I don't like to wait 4-5 days for a replacement hard drive when a slice in my raid takes a dump and it goes on grace. At times like that, another $10-20 is a lot easier to swallow.
Probably the best feature that a local store can offer is ease and speed of returns. One HDD I bought from Best Buy started doing a very convincing imitation of a circular saw 2 weeks after I bought it. I took it in, they had to test it, (which was quite entertaining, rrrRRRRRR!!!! whoa, guess that IS bad!) and got an immediate replacement. If I had bought that online it would have been a much bigger headache and taken probably a week.
Wish we had even one more electronics store in town. I'd like to see a Frys. Right now really the best alternative I have after Best Buy here is WalMart!
What the hell? Was the plot too complex for you to follow the first half dozen times?
If your sig wasn't so familiar I'd suspect you were trolling. But no, think a bit before you post, do you really think that is the only reason to watch a movie again? Most of the times I've re-watched it wasn't straight-through, I just wanted to marvel again at the great cinematography of some of the scenes. I know one particular section I've watched several times started with Jake walking up to his iklan and saying "there's something we've gotta do, you're not going to like it", and watching that to about where the colonel takes that second arrow to the chest.
I've also from time to time opened it up just to watch the jungle fly-throughs. That's some incredible work there. There are a LOT of subtle details in the movie that you will only get by watching the movie more than once. For example, did you notice the Navi only have three fingers and a thumb, (and four toes) but the avatars all have the normal human numbers? The iklan (and last shadow) have four eyes, with non-round pupils. It's amazing the detail they put into all the animals with four front legs, making the musculature all look right. I really enjoy the detail that goes into the movies, and a good blueray rip looks considerably better than even a dvd rip.
I've been discussing details of the movie at work when a coworker would want to see what I was talking about. The bluray doesn't do me lot of good right now at home now does it?
See, I go to bittorrent for these two reasons. First, it's silly to have to go to a crappy theatre and deal with all the drama and baggage there, pay for the movie and the extortion food, only to find it sucked and be out my money. Instead I torrent it and see if I like it. If I don't, I throw it away. If I like it, I buy it when it comes out. Best example: Bridge to Teribithia. The previews they put in the theatres and online looked like it was going to be very similar to Narnia, which came out just before it. Tons of great CGI, a positive plot. When I torrented it to see, I found that the preview was made by taking ALL the CGI in the entire movie (what little of it there was) and throwing it together. There was nothing new to see in the full movie, and it was a depressing drama show not an exciting adventure as the preview suggested. If I had gone to the theatre to see it, I would have walked out halfway through and demanded my money back.
I don't delete it though because the aa-tards have prevented me from ripping the bluray I legally bought to watch on my computer or on the go. So I go back to the torrent I downloaded to watch. Actually, taking a movie like avatar for example, I've watched it maybe three times on the big screen in the living room, and probably a dozen times on my computer.
So ya, give me that and I'll quit torrenting. Right now all it's doing is encouraging me to help the pirates, because my torrenting is sharing the content with people that have zero intention of buying. They can't get this through their thick heads though.
They're just a bunch of "I want to have my cake, and eat it too, eat your cake, and charge you for the privilege" people. They insist on calling it "theft" but then when I ask why I can't do what I want to with it, they tell me I DON'T OWN it, I'm licensing it so they can tell me what I can and can't do with it. Can't have it both ways. Either sell it to me or stop telling me I'm stealing it.
This is why there are laws on the books in other places that specifically state you can't give up certain rights. That way the merchant can't make giving up your rights to a consumer protection law a term of the sale
I'm amazed that the right to form/join a class action suit hasn't been covered by such terms yet. Clearly merchants will take every opportunity possible to reduce or nullify any consumer protection laws they can, so there's really no reason any consumer protection right should be surrenderable.
I know that fire in a sub is considered one of the most dangerous threats there is
yep, fire is usually considered the #1 hazard aboard space ships and subs. Simply because the first thing you normally do when there's a fire is evacuate, something that's not such an easy option for them. And that's just compounded by the low availability of breathable air.
I don't know on the hatches, I'd expect a sub to have the usual complement of watertight compartments, so as long as the fire didn't get hot enough to melt or deform bulkheads (which it may, which is why they stopped using aluminum for warship superstructure) they should have simply been able to close the doors.
But maybe they had problems getting the people out first. Subs don't have too many doors on them, and if the fire is between 25 crew and the door and there's no other route, sealing off isn't an option.
It can also be a part of your phone service features. If you have call waiting or call transfer for example, it can prevent you from disconnecting the caller.
adafruit carries several kinds of screens in different sizes. They appear to be designed to work with cheaper cellphones. Refresh and io rates can be slow. You can either get the bare screens with plastic ribbon hanging on them or get them with a little controller board. Save yourself the headache and get one with a control board. Most of them include code to interface with Arduino and/or other hobby microcontrollers.
The data transfer rates on those i/o boards usually aren't fast enough to support video. On some of them you can actually watch it refresh, it's like unpacking a gif on a computer 15 years ago. So they work better for simple interfaces and displaying text (without scrolling) than for images. But you can draw icons as long as you don't get carried away.
The demo code is often not properly optimized either, so you can get more out of them if you are ready to roll up your sleeves and get to work on their "drivers". I was able to reduce full screen image render on one here from 2.8 seconds to 650ms by recoding the higher level io layer that was in the driver sketch. (didn't have to mess with the library)
I haven't used the touch interfaces yet, but it does add an additional level of complexity with the programming and with the io pin requirements on your controller. If you are going to be rendering icons or images, insist on one that has a sd card adapter built onto the io board, otherwise you are going to need to get one of those separately also to load the images from, which will further add to the cost, complexity, and io pin requirements.
They're not providing you with a lower speed just to be dicks. They are using phone lines, and are subject to the condition and distance of the lines between you and your telco's switching office.
The only time you're going to get right up at their max of their top tier service is if you live within a quarter mile or so of the switch. It's all downhill from there. And if you are in an old infrastructure part of town, your crummy old lines, decaying corroded splices, and watery lines are going to reduce the amount of speed they can provide you.
Most respectable ISPs won't allow you to sign up for a service tier that won't get you any more speed than the tier below it. If your part of town is qualified to 768 and you ask for 2mbit, they should tell you that you can't get that there, that 768 is all the faster that the modem is going to negotiate to. I haven't ran into a DSL ISP yet that doesn't offer different speed tiers. Make sure you're in the appropriate tier. This won't make your speed any faster, but could save you some money rather than paying for speed that you can't possibly get.
If you want to improve this you can (A) move or (B) hound the appropriate office at your local telco about upgrading their infrastructure in your part of town. There is no option (C), and just because someone else they serve gets faster service doesn't mean you're entitled to it too.
If you need an analogy, try complaining to ford that you can't get your new mustang to do over 70 on that gravel road to your house. Move, upgrade the road, or switch to a more appropriate product for your situation.
It is a rather interesting issue. iirc, google specifically maintains that there have never been, and will never be any "hardcoded" replies to given searches. Although they do put in occasional joke ones that weren't a response to something else. (like "let it snow", which appears to have been disabled at this time)
Remember when Atari tried blocking third-party software from their hardware and a judge ruled that they must allow for third-party use of their hardware?
Hardware must allow 3rd party software to run on it. That was the Atari thing.
Now turn that 180 degrees around with: Software must allow installation on 3rd party hardware. That was the Pystar thing.
So they couldn't be more opposite issues if they tried. The Atari issue has no relevance whatsoever here.
Though I don't like software licenses. But unfortunately they are currently allowed. I don't like being told what I can do with software I buy any more than being told by Ford what roads I'm allowed to drive my truck on. But right now physical goods are not so easily licensed but software is. Pretty much all software is licensed because it can be, and grants additional rights to the producers. They can either take the free cookies or not, and naturally most businesses will.
Pystar was encouraging... no, they were instructing their customers to violate the OS X license agreement, and thus break the law. That's what got them smacked down.
I'd like the licensability of software to be outlawed personally. IMHO it's just the producers trying to "have their cake and eat it too", they want you to pay them for something, but then not GIVE it to you (retain rights over it) because that will help them make more money off you or someone else later.
Here, I license this cake to you for $15. But on condition that only you can eat it. If your friend is hungry, you're not allowed to give him a slice, it's not really your cake, I'm just licensing it to you. If at any time you decide you don't like those terms you can either destroy the cake or return it to me.
Or I'll license you this wrench. You can use it forever, and I'll even let you give it away, but you can't loan it to your friend to work on his car, he'll need to license another wrench from me. Think that's funny? Talk to your mechanic about his car computer testing unit. It's already reality. And those little buggers are expensive too.
I'm surprised that BOOKS aren't licenseable right now. There's not a lot of difference between them and software. They're both just information on media. I could totally see a society where you weren't allowed to sell a book. But already we can't copy too much of it, so we're already on the path.
I wouldn't say unclaimable, but definitely stacked in their favor. Their usual verbiage says that their (usually $25-30k) guarantee kicks in after any other insurance such as home-owners have paid out. (and that kicks in after their deductible) So in reality, very few of those claims are actually useful. If you have say a $150 deductible with $10k limit on your home-owners for that sort of thing, you'd have to blow out more than $10,150 of your home's hardware to scratch their coverage.
But it's nice if your home insurance doesn't cover that sort of damage at all. But that's pretty rare.
The schools are owed nothing, they are extorting on behalf of the lender.
The lenders are giving out the loans because of how the schools withhold transcripts. That's their collateral, to improve their chance of getting paid back. Refusing to return collateral when you refuse to pay your debt is not extortion.
Slashdot Mirror
This isn't a bad thing in Mother Nature's book. Species that are better adapted have been unable to get to these new habitats due to natural barriers. Now there's a natural event that has brought them in. And now it's time for evolution to get to work. It's not "disrupting" the balance, it's adjusting it.
Countless species have become extinct or had to move to other habitats due to evolution within and from outside their primary habitat. It's not Man's job to decide what species "aren't allowed to take over" a new habitat that WE didn't introduce them to.
It's a shame when a species loses out and goes extinct, but it's happened millions of times and will continue to do so in the future. That's just how nature works. If you don't like it, buy yourself an island and stock it with species that were unfit to compete.
I think some people would prefer a broken arm over a totalled car. And it certainly is annoying to hit a pole at 8mph and instead of bouncing off, it "eats" the pole and does $2000 in damage to the car.
You may not like it, but we are restoring the balance back to what it was so long ago. Who's to say that one way is better than the other? (unless you currently own beachfront property anyway)
Trying to do away with global warming in the end is about as futile as trying to do away with winter.
Unless you're going nuclear or launching it into space, nothing permanently gets rid of it. Plants just take CO2 and H2O and strip off the O into the air and use the CH for building material and energy storage. It's all going to go back into the pot again eventually no matter what you do with it.
"Sequestering" carbon in any way is about the same as "squestering" trash by burying it in the dump. Just gets it out of sight for awhile, you gotta think about the future.
Random search for a 2TB hdd: on amazon shows a WD green msrp $179 selling for about $120. Then searching Best Buy for same goes for the same price.
Quit pulling numbers out of your arse. BB usually isn't the SAME, this is actually a little unexpected to exactly match it, but they're usually within +30% at the worst
This. All of it. Unless you have the resources (personal knowledge or access to the necessary materials) you shouldn't be trying to home-school your kids. If it's obvious they're falling behind their schooled peers, that should be a wakeup call. This isn't going to kill the kid, but it's seriously hurting his opportunities later in life. Think about your kid's future here.
Unless you want him to wind up an unskilled factory drone (or worse) later in life, get him properly schooled. He's probably two or so years behind on the average, and is going to require some summer school / private tutoring just to play catch-up. Get it done now before you dig him into a deeper hole. Considering your resources, if you're still deadset-insistant on home-schooling, you are going to need to hire a private tutor to fix and then complete his education.
requires netflix account to view
anyone else notice the "Windows" slashdot category icon changed from the broken window panes to just "Windows"?
Even that isn't saving them. A lot of consumers now go to Best Buy etc brick'n'mortar to "window shop", find what they want, write it down, and go home and amazon it etc. The brick'n'mortar stores are tired of being the window shopping of the online clearance stores.
We've got a Best Buy in town, they moved in when Circuit City left. I don't know if I will miss them much. I've bought stuff from them before, and the get-it-the-same-day is a nice convenience, but it always comes at a cost. But sometimes it's worth it. I don't like to wait 4-5 days for a replacement hard drive when a slice in my raid takes a dump and it goes on grace. At times like that, another $10-20 is a lot easier to swallow.
Probably the best feature that a local store can offer is ease and speed of returns. One HDD I bought from Best Buy started doing a very convincing imitation of a circular saw 2 weeks after I bought it. I took it in, they had to test it, (which was quite entertaining, rrrRRRRRR!!!! whoa, guess that IS bad!) and got an immediate replacement. If I had bought that online it would have been a much bigger headache and taken probably a week.
Wish we had even one more electronics store in town. I'd like to see a Frys. Right now really the best alternative I have after Best Buy here is WalMart!
There most certainly may be a mine where you first click. But the game is nice and moves the mine to a different square for that one click only.
If you "replay" a level however, it won't be so generous and will x.x your mouse
yes, that would be an attractive video to watch!
My mom hit at least three of those with me at an early age. I just love the saying "Don't childproof the world, worldproof the child"
We seem to be raising generations of ever-less-capable people by trying to childproof the world
If your sig wasn't so familiar I'd suspect you were trolling. But no, think a bit before you post, do you really think that is the only reason to watch a movie again? Most of the times I've re-watched it wasn't straight-through, I just wanted to marvel again at the great cinematography of some of the scenes. I know one particular section I've watched several times started with Jake walking up to his iklan and saying "there's something we've gotta do, you're not going to like it", and watching that to about where the colonel takes that second arrow to the chest.
I've also from time to time opened it up just to watch the jungle fly-throughs. That's some incredible work there. There are a LOT of subtle details in the movie that you will only get by watching the movie more than once. For example, did you notice the Navi only have three fingers and a thumb, (and four toes) but the avatars all have the normal human numbers? The iklan (and last shadow) have four eyes, with non-round pupils. It's amazing the detail they put into all the animals with four front legs, making the musculature all look right. I really enjoy the detail that goes into the movies, and a good blueray rip looks considerably better than even a dvd rip.
I've been discussing details of the movie at work when a coworker would want to see what I was talking about. The bluray doesn't do me lot of good right now at home now does it?
Just two. format shift and preview.
See, I go to bittorrent for these two reasons. First, it's silly to have to go to a crappy theatre and deal with all the drama and baggage there, pay for the movie and the extortion food, only to find it sucked and be out my money. Instead I torrent it and see if I like it. If I don't, I throw it away. If I like it, I buy it when it comes out. Best example: Bridge to Teribithia. The previews they put in the theatres and online looked like it was going to be very similar to Narnia, which came out just before it. Tons of great CGI, a positive plot. When I torrented it to see, I found that the preview was made by taking ALL the CGI in the entire movie (what little of it there was) and throwing it together. There was nothing new to see in the full movie, and it was a depressing drama show not an exciting adventure as the preview suggested. If I had gone to the theatre to see it, I would have walked out halfway through and demanded my money back.
I don't delete it though because the aa-tards have prevented me from ripping the bluray I legally bought to watch on my computer or on the go. So I go back to the torrent I downloaded to watch. Actually, taking a movie like avatar for example, I've watched it maybe three times on the big screen in the living room, and probably a dozen times on my computer.
So ya, give me that and I'll quit torrenting. Right now all it's doing is encouraging me to help the pirates, because my torrenting is sharing the content with people that have zero intention of buying. They can't get this through their thick heads though.
They're just a bunch of "I want to have my cake, and eat it too, eat your cake, and charge you for the privilege" people. They insist on calling it "theft" but then when I ask why I can't do what I want to with it, they tell me I DON'T OWN it, I'm licensing it so they can tell me what I can and can't do with it. Can't have it both ways. Either sell it to me or stop telling me I'm stealing it.
This is why there are laws on the books in other places that specifically state you can't give up certain rights. That way the merchant can't make giving up your rights to a consumer protection law a term of the sale
I'm amazed that the right to form/join a class action suit hasn't been covered by such terms yet. Clearly merchants will take every opportunity possible to reduce or nullify any consumer protection laws they can, so there's really no reason any consumer protection right should be surrenderable.
http://images.google.com/ of course
yep, fire is usually considered the #1 hazard aboard space ships and subs. Simply because the first thing you normally do when there's a fire is evacuate, something that's not such an easy option for them. And that's just compounded by the low availability of breathable air.
I don't know on the hatches, I'd expect a sub to have the usual complement of watertight compartments, so as long as the fire didn't get hot enough to melt or deform bulkheads (which it may, which is why they stopped using aluminum for warship superstructure) they should have simply been able to close the doors.
But maybe they had problems getting the people out first. Subs don't have too many doors on them, and if the fire is between 25 crew and the door and there's no other route, sealing off isn't an option.
It can also be a part of your phone service features. If you have call waiting or call transfer for example, it can prevent you from disconnecting the caller.
adafruit carries several kinds of screens in different sizes. They appear to be designed to work with cheaper cellphones. Refresh and io rates can be slow. You can either get the bare screens with plastic ribbon hanging on them or get them with a little controller board. Save yourself the headache and get one with a control board. Most of them include code to interface with Arduino and/or other hobby microcontrollers.
The data transfer rates on those i/o boards usually aren't fast enough to support video. On some of them you can actually watch it refresh, it's like unpacking a gif on a computer 15 years ago. So they work better for simple interfaces and displaying text (without scrolling) than for images. But you can draw icons as long as you don't get carried away.
The demo code is often not properly optimized either, so you can get more out of them if you are ready to roll up your sleeves and get to work on their "drivers". I was able to reduce full screen image render on one here from 2.8 seconds to 650ms by recoding the higher level io layer that was in the driver sketch. (didn't have to mess with the library)
I haven't used the touch interfaces yet, but it does add an additional level of complexity with the programming and with the io pin requirements on your controller. If you are going to be rendering icons or images, insist on one that has a sd card adapter built onto the io board, otherwise you are going to need to get one of those separately also to load the images from, which will further add to the cost, complexity, and io pin requirements.
They're not providing you with a lower speed just to be dicks. They are using phone lines, and are subject to the condition and distance of the lines between you and your telco's switching office.
The only time you're going to get right up at their max of their top tier service is if you live within a quarter mile or so of the switch. It's all downhill from there. And if you are in an old infrastructure part of town, your crummy old lines, decaying corroded splices, and watery lines are going to reduce the amount of speed they can provide you.
Most respectable ISPs won't allow you to sign up for a service tier that won't get you any more speed than the tier below it. If your part of town is qualified to 768 and you ask for 2mbit, they should tell you that you can't get that there, that 768 is all the faster that the modem is going to negotiate to. I haven't ran into a DSL ISP yet that doesn't offer different speed tiers. Make sure you're in the appropriate tier. This won't make your speed any faster, but could save you some money rather than paying for speed that you can't possibly get.
If you want to improve this you can (A) move or (B) hound the appropriate office at your local telco about upgrading their infrastructure in your part of town. There is no option (C), and just because someone else they serve gets faster service doesn't mean you're entitled to it too.
If you need an analogy, try complaining to ford that you can't get your new mustang to do over 70 on that gravel road to your house. Move, upgrade the road, or switch to a more appropriate product for your situation.
It is a rather interesting issue. iirc, google specifically maintains that there have never been, and will never be any "hardcoded" replies to given searches. Although they do put in occasional joke ones that weren't a response to something else. (like "let it snow", which appears to have been disabled at this time)
Hardware must allow 3rd party software to run on it. That was the Atari thing.
Now turn that 180 degrees around with: Software must allow installation on 3rd party hardware. That was the Pystar thing.
So they couldn't be more opposite issues if they tried. The Atari issue has no relevance whatsoever here.
Though I don't like software licenses. But unfortunately they are currently allowed. I don't like being told what I can do with software I buy any more than being told by Ford what roads I'm allowed to drive my truck on. But right now physical goods are not so easily licensed but software is. Pretty much all software is licensed because it can be, and grants additional rights to the producers. They can either take the free cookies or not, and naturally most businesses will.
Pystar was encouraging... no, they were instructing their customers to violate the OS X license agreement, and thus break the law. That's what got them smacked down.
I'd like the licensability of software to be outlawed personally. IMHO it's just the producers trying to "have their cake and eat it too", they want you to pay them for something, but then not GIVE it to you (retain rights over it) because that will help them make more money off you or someone else later.
Here, I license this cake to you for $15. But on condition that only you can eat it. If your friend is hungry, you're not allowed to give him a slice, it's not really your cake, I'm just licensing it to you. If at any time you decide you don't like those terms you can either destroy the cake or return it to me.
Or I'll license you this wrench. You can use it forever, and I'll even let you give it away, but you can't loan it to your friend to work on his car, he'll need to license another wrench from me. Think that's funny? Talk to your mechanic about his car computer testing unit. It's already reality. And those little buggers are expensive too.
I'm surprised that BOOKS aren't licenseable right now. There's not a lot of difference between them and software. They're both just information on media. I could totally see a society where you weren't allowed to sell a book. But already we can't copy too much of it, so we're already on the path.
God I hate licensing.
True. And the only ones that won't be reading it will be the people that, arguably, they want to "inform".
I wouldn't say unclaimable, but definitely stacked in their favor. Their usual verbiage says that their (usually $25-30k) guarantee kicks in after any other insurance such as home-owners have paid out. (and that kicks in after their deductible) So in reality, very few of those claims are actually useful. If you have say a $150 deductible with $10k limit on your home-owners for that sort of thing, you'd have to blow out more than $10,150 of your home's hardware to scratch their coverage.
But it's nice if your home insurance doesn't cover that sort of damage at all. But that's pretty rare.
The lenders are giving out the loans because of how the schools withhold transcripts. That's their collateral, to improve their chance of getting paid back. Refusing to return collateral when you refuse to pay your debt is not extortion.