Cruz (disambiguation)

Real and fictional characters with Cruz as a first or last name. Cruz is a surname of Iberian origin.

Cruz or La Cruz may also refer to:

Places

Brazil:

Chile:

Costa Rica:

Mexico:

Peru:

Portugal:

Cruz, Ceará

Cruz is a city in Ceará, state of Brazil. The city lies on the Acaraú River near the northern Atlantic coast. As of 2010 the population was estimated at 22,479.

References

Topper International

Topper International is an international builder and marketing company of sailboats and dinghies supported by a worldwide dealer network and class associations.

Products

The Topper Range spans boats designed for championship level racing, recreational sailing, families, clubs and schools.

References

External links

American football rules

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.

Objective of the game

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).

Point (mortgage)

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.

Point (ice hockey)

In ice hockey, point has three contemporary meanings: