Word: layers
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Dates: during 2000-2009
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However appealing, though, these funds do have their pitfalls. Typically, a life-cycle portfolio invests in a mix of other funds, delivering risk-reducing diversification--but also a chance for an added layer of fees. You will want to stick with funds firms (like T. Rowe Price and Vanguard) that charge only the underlying funds' expense ratios or a modest amount on top. (Fidelity, for example, charges an extra 0.08%.) Some firms charge far more...
...Droste says. “I ended up just sort of keeping it.” The album was recorded, after all, in Droste’s small bedroom—but in spite of all this, somehow there was enough space to build a rich sonic layer cake...
...drawing skills, at first glance, may seem to resemble a 6-year-old's. But her work has unique twists: she often incorporates photos into her comics, lending them another layer of reality. And her tone is refreshingly caustic. Saibara's fictional characters are delinquents and outcasts, and her nonfiction characters, mostly her friends, family and herself, aren't much better. And yet Saibara's intimacy with the characters allows readers to laugh with the unsympathetic lot, not at them. "I grew up watching women get beat up by their drunken husbands, raising kids fathered by different men, never smiling...
Research over the past decade has shown that the film covering your eyes is quite complicated. There's an inner layer of sugary proteins, followed by a more watery middle layer and then an oily layer on top. Chronic dry eye can result from an imbalance in any part of the film. For example, the oily layer, which is produced by glands at the base of the eyelashes, keeps tears from evaporating too quickly. If you don't make enough oil, you may need one of the thicker over-the-counter eyedrops to bolster that layer, along with warm compresses...
...Titan is a chemical cousin of Earth, it's an Earth gone terribly wrong. The surface is etched with riverbeds and shorelines carved by the methane rains. The ground seems to be a thin, frozen crust over a smoother, softer layer. "Kind of a creme brulee consistency," says John Zarnecki, a principal science investigator. The atmosphere produces plenty of wind and weather, and there is even a flicker of a greenhouse effect, but with sunlight a thousand times dimmer than on Earth, it doesn't amount to much...