British Sea Power

British Sea Power are an indie rock band based in Brighton, East Sussex, England, although three of the band members originally come from Natland (near Kendal), Cumbria, England. The wide-ranging nature of their material has led critics to liken their sound to a variety of groups, from The Cure and Joy Division to the Pixies and Arcade Fire. The band are famed for their live performances, the unusual lyrical content of their songs and the adventurous choice of locations for some of their shows. British Sea Power's members are Jan Scott Wilkinson (vocals, guitar), Martin Noble (guitar), Neil Hamilton Wilkinson (bass guitar, vocals, guitar), Matthew Wood; (drums), Phil Sumner (cornet, keyboards) and Abi Fry (viola).

History

Early years and The Decline of British Sea Power

British Sea Power's Yan and Hamilton are brothers and were school friends with Wood in Kendal. They were in a number of bands together while at school, but after finishing his exams Yan moved to study at the University of Reading, where he met guitarist Noble, who was originally from Bury, Greater Manchester. A few years later, Hamilton and Wood joined them and formed a band.

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: