Jesus (/ˈdʒiːzəs/; Greek: Ἰησοῦς Iesous; 7–2 BC to AD 30–33), also referred to as Jesus of Nazareth or Jesus Christ, is the central figure of Christianity, whom the teachings of most Christian denominations hold to be the Son of God. Christians believe Jesus is the awaited Messiah (or Christ, the Anointed One) of the Old Testament.
Virtually all modern scholars of antiquity agree that Jesus existed historically, and historians consider the Synoptic Gospels (Matthew, Mark and Luke) to be the best sources for investigating the historical Jesus. Most scholars agree that Jesus was a Galilean, Jewish rabbi who preached his message orally,was baptized by John the Baptist, and was crucified by the order of the Roman Prefect Pontius Pilate. In the current mainstream view, Jesus was an apocalyptic preacher and the founder of a renewal movement within Judaism, although some prominent scholars argue that he was not apocalyptic. After Jesus' death, his followers believed he was resurrected, and the community they formed eventually became the Christian church. The widely used calendar era, abbreviated as "AD" from the Latin "Anno Domini" ("in the year of our Lord") or sometimes as "CE", is based on the birth of Jesus. His birth is celebrated annually on December 25 as a holiday known as Christmas.
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.
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).
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.
In ice hockey, point has three contemporary meanings: