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	<title>The Purple Elephant Antiques</title>
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		<title>Treatment for Hair &#8211; The Most Effective Treatments for Hair Loss</title>
		<link>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/treatment-for-hair-the-most-effective-treatments-for-hair-loss</link>
		<comments>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/treatment-for-hair-the-most-effective-treatments-for-hair-loss#comments</comments>
		<pubDate>Tue, 08 May 2012 00:00:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[grow hair]]></category>
		<category><![CDATA[hair growth]]></category>
		<category><![CDATA[hair loss]]></category>
		<category><![CDATA[hair treatment]]></category>
		<category><![CDATA[treatment for hair]]></category>

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		<description><![CDATA[Visit us at: http://treatment-for-hair.us Hair loss does not always appear as a result of androgen activity and genetic predisposition (known as androgenetic alopecia, or Male and Female Pattern Baldness). There are other forms of hair loss which can come on gradually or very suddenly and can change a person’s life forever. The causes may still [...]]]></description>
			<content:encoded><![CDATA[<p><P>Visit us at: <A title="Treatment for hair" href="http://treatment-for-hair.us" target=_blank>http://treatment-for-hair.us</A></P><br />
<P><A href="http://treatment-for-hair.us" target=_blank>Hair loss</A> does not always appear as a result of androgen activity and genetic predisposition (known as androgenetic alopecia, or <A href="http://treatment-for-hair.us/category/men-guides/" target=_blank>Male</A> and <A href="http://treatment-for-hair.us/category/women-guides/" target=_blank>Female</A> Pattern Baldness). There are other forms of hair loss which can come on gradually or very suddenly and can change a person’s life forever. The causes may still be genetic and may still be hormone (androgen) related; however, there are other influencing factors like the immune system, auto-immune conditions and numerous other more elusive factors. These conditions most often present themselves as sudden patchy <A href="http://treatment-for-hair.us" target=_blank>hair loss</A> and sometimes a total loss of head or body hair. While all hair loss is technically called <A href="http://treatment-for-hair.us/category/tips/">“alopecia”</A>, this term is more commonly seen in relation to the patchy or universal loss of hair.</P><br />
<P>We’re an online blog which discusses about <A href="http://treatment-for-hair.us" target=_blank>hair care</A>, <A href="http://treatment-for-hair.us" target=_blank>hair treatment</A>, tips to <A href="http://treatment-for-hair.us" target=_blank>take care of hair</A>.</P>&#8211;There is something you can do about your <A href="http://treatment-for-hair.us" target=_blank>hair loss</A>. From <A href="http://treatment-for-hair.us" target=_blank>hair loss treatments</A>, to hair transplants, to hair replacement – you can learn about it here. Just read our tips &amp; take care of your hair.&#8211;<BR><BR>Best Regards, <BR>Velvet K</p>
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		<title>Rules Relating To Importation Of Cars Into Australia</title>
		<link>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/rules-relating-to-importation-of-cars-into-australia</link>
		<comments>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/rules-relating-to-importation-of-cars-into-australia#comments</comments>
		<pubDate>Tue, 03 Apr 2012 13:32:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[If you&#8217;re a resident of Australia and in addition you wish to fully understand about car import Australia, you&#8217;re wise to find out all about the process as far in advance as you are able to. In case you wish to expedite the procedure, you&#8217;ll really want a little extra information. Keep reading for several [...]]]></description>
			<content:encoded><![CDATA[</p>
<p>If you&#8217;re a resident of Australia and in addition you wish to fully understand about car import Australia, you&#8217;re wise to find out all about the process as far in advance as you are able to. In case you wish to expedite the procedure, you&#8217;ll really want a little extra information. Keep reading for several of the requirements on the subject of car import Australia.</p>
<p>The Australian Government &#8211; Vehicle Safety Standards as well as the Department of Infrastructure and Transport will need to furnish you with authorization. Auto importation demands a vehicle import approval (VIA) from this division of the Aussie govt.</p>
<p>The Australian Government web-site has a guide that includes information concerning the procedure. You will have a need to pay customs duty, goods and services tax, along with a luxury car tax. When your automobile reaches its destination, you&#8217;ll be required to acquire clearance by customs to be able to take possession of your car. There&#8217;s also an inspection procedure as well as requirements for one to lawfully drive your truck on Australian roads. A failure to adhere to the mandatory regulations and rules will result in your inability to take the car away from the port and as a consequence is likely to give rise to sizable storing fees or even the demand and charges associated with then being made to export the automobile back to the point that it was imported from.</p>
<p> For more information, <a href="http://carimportaustralia.com.au/">click this link</a>.</p>
<p>
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		<title>Chicago Photography</title>
		<link>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/chicago-photography-2</link>
		<comments>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/chicago-photography-2#comments</comments>
		<pubDate>Tue, 03 Apr 2012 10:51:20 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Chicago fashion and glamour photographer, we specialize in high quality digital portraits for glamour, swimwear and fashion models. He is also available for family group shots, high school senior portraits, competition head shots and editorial photography at concerts, sporting events and special occasions. Take advantage of the on-line photography pricing from Chicago photographers today. Special [...]]]></description>
			<content:encoded><![CDATA[<p>Chicago fashion and glamour photographer, we specialize in high quality digital portraits for glamour, swimwear and fashion models. He is also available for family group shots, high school senior portraits, competition head shots and editorial photography at concerts, sporting events and special occasions. Take advantage of the on-line photography pricing from Chicago photographers today. Special occasions arrive too soon &#8211; so plan ahead for that unique gift! Portrait Session pricing is affordable with the E-Z payment plan and 0% financing! Digital Photography Makes the Difference! Technology has made it possible and affordable for the hobbyist or scam artist to appear professional. jehall Please make sure you get what you pay for and never shoot without first signing and understanding a model release. This is mandatory in Illinois (765 ILCS Ann. 1075). The release will explain how the photographs will be used and for how long. It&#8217;s great to work with a hobbyist or photography student. They can offer photography at a discounted rate  and bring new ideas to a photo shoot. I can also refer photographers for you, but professional prints, posters and images can only be as good as the photographer and their style. Fashion, glamour, swimwear and model photography can be a nervous and vulnerable experience if you are not a professional. When we begin to work together, my first priority is to make sure that you are taken care of. &#8220;Models get everything&#8221;. Bring your friends, family, manager, or come with your favorite music. You will be able to see the digital photographs we capture as we shoot them. In a couple of weeks, you will receive your digital files through e-mail and they will be ready for you to upload to your favorite websites. Model portfolios should be printed by the professional photographer. You may want to place an order for your portfolio or wait until you receive feedback from your family and friends. Professional comp cards are available too. The best photos at an event or special occasion are usually unplanned and never posed. It&#8217;s the photo that was taken when the subject didn&#8217;t realize that they were being photographed. Great editorial and event photography relies on the photographer being at the right place and at the right time. All of your guests will receive a custom printed card informing them of your private gallery for them to choose prints and gifts of all kinds. Let&#8217;s create the perfect wedding engagement photo for the newspaper. Custom slide show presentations of your wedding or event are also available. You&#8217;ll be able to invite family and friends over to share the memories of your special day while listening to your favorite music. You&#8217;ll also be able to have the slide show uploaded to your website.</p>
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		<title>Window Replacement in an Approved Manner</title>
		<link>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/window-replacement-in-an-approved-manner-3</link>
		<comments>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/window-replacement-in-an-approved-manner-3#comments</comments>
		<pubDate>Tue, 03 Apr 2012 06:49:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[]]></category>

		<guid isPermaLink="false">http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/window-replacement-in-an-approved-manner-3</guid>
		<description><![CDATA[Window replacement is a serious home renovation project and one that can add to the look, value and comfort of your house. Planning this event should take a lot aforethought which must include the budget you are going to follow and how long it will take. To be successful, follow these simple strategies to help [...]]]></description>
			<content:encoded><![CDATA[<p>Window replacement is a serious home renovation project and one that can add to the look, value and comfort of your house. Planning this event should take a lot aforethought which must include the budget you are going to follow and how long it will take. To be successful, follow these simple strategies to help you as you complete your window replacement project at home.  You first have to choose whether you want to replace the windows yourself or find a company or contractor to do the job; for most people, the latter is recommended. If you make any mistakes, you can do damage to the windows or frames and then it will have cost you rather than saved you money. You also have to decide if you&#8217;re willing to invest the time that this project will take up -remember to include things like measuring, getting all the supplies and cleaning up. Choosing the right company or contractor, on the other hand, presents a different set of challenges. For one thing, an honest contractor should be willing to come to your house and give you an initial consultation without charging you for this. Ask your friends, relatives and local acquaintances for recommendations, as this is the best way to find a good contractor. Lacking this, you can go online and search for someone who has some good reviews.   Sometimes you can receive tax credits for using specific energy efficient windows. To take advantage of this, just examine the tax laws in your locale along with making inquires into the windows that meet the criteria; furthermore your utility bill will be more economical. The Energy Star program sanctions windows here in the U.S. To take this efficiency a step further, you are also allowed tax credits for other home improvements like changing to energy efficient doors and insulating your home. This can help you save on your taxes as well as your utility bills.  Finding the best windows, for the best price, is what you must do if you want to do the job yourself. You should make a few trips to local home improvement centers and find out if there are any specials going on right now.  Part of the problem doing the work yourself is having to find the right window at the right price, and it can be time-consuming. One of the main reasons to hire the job out to professionals is that they can get better prices, and they are better able to compare products. There is always a fine line between having the quality that you want in your windows, and finding a low enough price that you can afford. Ideally it is very clear that <a href="http://www.slidingdoorblinds.org/">sliding door blinds</a> is one thing that can have quite an effect on you and others, too. Sometimes there is simply way too much to even attempt to cover in one go, and that is important for you to realize and take home. That is really a lot when you think about it, so just the briefest instant to mention something. This is significant information that can help you, and there is no doubting that. As usual, we generally save the very best for last. Once your new windows are installed, it&#8217;s too late to change your mind, so the time to do all the thinking and researching is now. If you&#8217;re hiring a contractor, do everything you can to ascertain he&#8217;s reliable; make sure you&#8217;re satisfied with the quality and look of the windows before choosing them. You&#8217;ll be able to enjoy your new windows for a long time if you keep all these factors in mind when making your plans.</p>
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		<title>DIY Property Conveyancing</title>
		<link>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/diy-property-conveyancing-4</link>
		<comments>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/diy-property-conveyancing-4#comments</comments>
		<pubDate>Sun, 01 Apr 2012 10:22:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<guid isPermaLink="false">http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/diy-property-conveyancing-4</guid>
		<description><![CDATA[DIY property conveyancing is possible however, there are some obstacles. First, if you are buying a property and you are obtaining a mortgage the lender will insist that a solicitor is appointed to act for it at your expense. Conveyancing fees can easily spiral under these circumstances. There are no set fee scales for conveyancing [...]]]></description>
			<content:encoded><![CDATA[<p>DIY <a href="http://www.theadvisory.co.uk/">property conveyancing</a> is possible however, there are some obstacles. First, if you are buying a property and you are obtaining a mortgage the lender will insist that a solicitor is appointed to act for it at your expense. Conveyancing fees can easily spiral under these circumstances.   There are no set fee scales for conveyancing and as such the lenders solicitor can charge whatever they like. To get an idea of the costs i suggest that you take a look at a few <a href="http://www.theadvisory.co.uk/">conveyancing cost comparison</a> engines. It is unlikely to be a prohibitive amount however, you have no control and if you&#8217;d appointed your own solicitor to carry out your conveyancing they would have acted for the lender as well at no extra cost. In effect, there is no financial gain for you when attempting DIY conveyancing on a property when a mortgage is involved.   Secondly, although conveyancing is mostly an administrative task, knowledge of the relevant law is required and necessary in order to identify any potential problems with the title of the property. The importance of this is not to be underestimated as title issues can cause horrific problems later down the line. Any problems that do exist may not be immediately apparent and may not not come to light until the owner comes to sell the property on. A final point to mention is that a professional conveyancer will hold Professional Indemnity Insurance, that means that is a mistake is made you have protection and recourse to compensation. If you make a mistake you have no protection whatsoever.</p>
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		<title>Power Kites</title>
		<link>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/power-kites-2</link>
		<comments>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/power-kites-2#comments</comments>
		<pubDate>Sun, 01 Apr 2012 06:10:35 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[]]></category>

		<guid isPermaLink="false">http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/power-kites-2</guid>
		<description><![CDATA[Power kiting is nothing like the childhood memories just about everyone has of flying a kite. Rather than tearing across the beach hoping to get your kite to fly in a gentle breeze, with power kiting many times the kite will be pulling you along instead! Power kiting makes use of large kites which are [...]]]></description>
			<content:encoded><![CDATA[</p>
<p>Power kiting is nothing like the childhood memories just about everyone has of flying a kite. Rather than tearing across the beach hoping to get your kite to fly in a gentle breeze, with power kiting many times the kite will be pulling you along instead!</p>
<p>Power kiting makes use of large kites which are created specifically to supply a strong pull to the user, are much stronger than your average children’s kite and look similar to a parachute. There are several different types of power kites available, including foils, leading edge inflatable kites and supported leading edge kites. They have two to five lines in addition to handles or a bar which enables you to control the kite.</p>
<p>Two line kites tend to be simpler to master and therefore are ideal for novices, enabling them to figure out how to fly the kite safely and get the basic skills required for progressing to a four line power kite. Using four lines gives you two brake lines which means that you will have much more control as soon as you get used to using them. These additional lines also enable you to perform a much bigger variety of stunts and manoeuvres, allowing you to do spins, turns and stalls, for example.</p>
<p>While flying the kite is challenging enough on its own and provides plenty of fun, there are numerous other ways you can broaden your horizons, making it even more thrilling. Some of the sports associated with power kiting are kite boarding, buggying, skating, surfing, jumping, skiing (with skis or snowboard) and boating. With this many different activities to get involved in, chances are very slim that you would ever grow bored.</p>
<p>Obviously if you do decide to give some of these sports a go you will also need to invest in additional equipment, so it makes sense to ensure that the kite you choose is compatible with the necessary accessories available.</p>
<p>The kind of power kite you ultimately decide on will depend on a number of different factors. These include your level of skill, what type of wind conditions you plan on using it in and whether you would like to experiment with any of the other power kiting sports mentioned earlier. There is no point buying an advanced level kite together with a buggy or board if you can’t even fly a basic two liner. Not only will you be frustrated at not being able to do what is necessary to get going, but you may also put yourself and others in danger. Because the larger power kites do have such strong pulling power, you need to be certain you can control the one you buy adequately.</p>
<p>Power kites suppliers will often be able to advise you on the best one for your requirements, and some have excellent information available on their websites, so if you are not sure which one is best for you, do a little research and don’t be afraid to ask questions. You can find out more about the various types of <a href="http://www.cool-kites.co.uk/6-power-kites">power kites</a> available as well as what they are most suitable for on <a href="http://www.cool-kites.co.uk/" target="_blank">this website</a>.</p>
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		<title>International relocation services: cultural differences to be aware of</title>
		<link>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/international-relocation-services-cultural-differences-to-be-aware-of</link>
		<comments>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/international-relocation-services-cultural-differences-to-be-aware-of#comments</comments>
		<pubDate>Fri, 30 Mar 2012 12:33:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[]]></category>

		<guid isPermaLink="false">http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/international-relocation-services-cultural-differences-to-be-aware-of</guid>
		<description><![CDATA[When relocating abroad, there could be any number of cultural differences that you need to learn, without the necessary time to get through them all. Trying to learn the key differences that you might need to know in the office or the workplace is definitely a good idea. This kind of pre-planning could be the [...]]]></description>
			<content:encoded><![CDATA[</p>
<p>When relocating abroad, there could be any number of cultural differences that you need to learn, without the necessary time to get through them all.  </p>
<p>Trying to learn the key differences that you might need to know in the office or the workplace is definitely a good idea. </p>
<p>This kind of pre-planning could be the difference between a great introduction to your new colleagues, or a highly embarrassing incident that you struggle to overcome in the future.</p>
<p>The climate is not always the first issue people consider when relocating overseas, but it can be a surprisingly contentious factor for many. </p>
<p>Going from the UK to somewhere such as India of Africa puts different demands on your skin and your body. </p>
<p>Eventually, both will adjust but there is likely to be a transitional period where you will need to take on regular fluids and pay attention to any potential changes in your health/appearance. </p>
<p>Key considerations like this may not initially spring to mind as you crunch the numbers and consider the size of your new premises. However, they could be the very factors that determine the success of a relocation.</p>
<p>They are also the kind of thing that your staff will appreciate. Asking an employee to relocate, however potentially exciting, also brings problems for them.</p>
<p>You are asking them to essentially leave behind firm roots as well as friends and family. </p>
<p>By showing them that you have considered ‘the little things’ as well as all the major issues, you are confirming your commitment to making the transition as easy as possible.</p>
<p><a href="http://www.360relo.com">International relocation services</a> as well as <a href="http://www.360relo.com/relocation.php">relocation agents London</a> can help with so many of the most complex issues that you could potentially face.  </p>
<p>
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		<title>How long does it take  to transfer money abroad?</title>
		<link>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/how-long-does-it-take-to-transfer-money-abroad</link>
		<comments>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/how-long-does-it-take-to-transfer-money-abroad#comments</comments>
		<pubDate>Thu, 29 Mar 2012 12:28:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[  In the modern world, we want everything to happen as quickly as possible and this is true when it comes to international money transfers as well. Of course, the length of time needed to transfer money abroad will vary depending on where it is going and who is transferring it but nowadays this process [...]]]></description>
			<content:encoded><![CDATA[</p>
<p> </p>
<p> In the modern world, we want everything to happen as quickly  as possible and this is true when it comes to international money transfers as  well. Of course, the length of time needed to transfer money abroad will vary  depending on where it is going and who is transferring it but nowadays this  process can be fairly rapid. Find out more about <a href="http://www.comparemoneytransfer.com/">Money Transfer</a> now.</p>
<p>  This means that an exact time frame cannot be given until  all relevant information is provided. Most transfers occur bank-to-bank and  mean that delays incurred to process and clear the funds in the beneficiary  account are passed on to you. Some companies may have procedures designed to  alleviate these and are therefore worth investigation when considering money  transfers.</p>
<p>  These delays will typically be longer for non-major  currencies, whilst those most commonly used will benefit from short transfer  times of up to 24hours. This timeframe is typically used with currencies such  as GBP, EUR, USD and CAD.</p>
<p>  All money transfers handled by companies will use SWIFT  technology to <a href="http://www.comparemoneytransfer.com/compare_personal_results.htm">send money</a>. This is the most reliable and safest way to  transfer funds between banks and is also the quickest.</p>
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		<title>Mortgage Advice For 1st Time Buyers</title>
		<link>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/mortgage-advice-for-1st-time-buyers</link>
		<comments>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/mortgage-advice-for-1st-time-buyers#comments</comments>
		<pubDate>Thu, 29 Mar 2012 09:07:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[Despite all the doom and gloom, fear not, as there are still a range of different ways which enable first-time buyers to get on the property ladder. Here is a little advice on which mortgage to choose. 1. Save &#8211; Sorry for stating the obvious, but this was once the only way onto the property [...]]]></description>
			<content:encoded><![CDATA[<p>Despite all the doom and gloom, fear not, as there are still a range of different ways which enable first-time buyers to get on the property ladder. Here is a little advice on <a href="http://www.theadvisory.co.uk/best-mortgage-deals.php">which mortgage</a> to choose.   1. Save &#8211; Sorry for stating the obvious, but this was once the only way onto the property ladder. Saving isn&#8217;t as easy as it once was as rents can be extortionate, but it is still achievable. Try renting a room in a shared house, even better, move back in with your parents.    2. Borrow  mortgages are available over longer terms, with some lenders offering loans of up to 40 years. Of course, you will be paying thousands of pounds extra in interest &#8211; but there is nothing stopping you remortgaging to a shorter term after a couple of years. If you are younger you are more eligible for the <a href="http://www.theadvisory.co.uk/best-mortgage-deals.php">best mortgage deals</a>. If these are still out of your range, consider stretching yourself initially with the view of taking a secured loan out on the property as soon as you have completed. Bear in mind, however, that this will land you in negative equity immediately &#8211; and if the market plummets you may not get out of this situation for a while.  3. Bank of Mum &amp; Dad &#8211; Most parents know exactly how arduous it can be trying to get onto that property ladder today and may be more than willing to offer a helping hand. Parents can be of help in many ways, they can match the savings that you have, some may even supply the deposit, and even going as far as being a guarantor on your mortgage. Put simply, this means that should you miss a monthly repayment they will be liable, however they must have at least 30 per cent equity in their own home in order to qualify. Alternatively they may wish to transfer some equity into your new home on the basis that you buy them out as soon as you are able.</p>
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		<title>Free Individual Voluntary Arrangements Help</title>
		<link>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/free-individual-voluntary-arrangements-help-3</link>
		<comments>http://www.thepurpleelephantantiques.com/the-purple-elephant-antiques/free-individual-voluntary-arrangements-help-3#comments</comments>
		<pubDate>Wed, 28 Mar 2012 14:59:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[The free individual voluntary agreements help provided by such a company helps everyone to use a financial strategy which has to mirror that person&#8217;s individual profile. Additional to this, an IVA plan specialist analyses what any customer is able to pay without going any further form the reasonable living costs. In this way, he or [...]]]></description>
			<content:encoded><![CDATA[<p>The free <a href="http://www.ivauk.org">individual voluntary agreements</a> help provided by such a company helps everyone to use a financial strategy which has to mirror that person&#8217;s individual profile. Additional to this, an IVA plan specialist analyses what any customer is able to pay without going any further form the reasonable living costs. In this way, he or she pays the maximum possible amount. In maximum five years the customer will have nothing else to worry about regarding all sorts of debt.  Individual voluntary arrangements help  The individual voluntary arrangements with the free <a href="http://www.ivauk.org/iva-questions/">IVA help</a> are a final contract to pay off creditors. The latter are not allowed under no circumstances to ask for extra payments. All interest and charges will not increase over 0%. You only have a single reduced sum to pay every month. Two years after signing the contract, you will have the possibility to lend money once more.   An IVA, individual voluntary arrangement, is a flexible contract with creditors. After the customerÃ¢â¬â¢s financial situation is assessed, the customer pays what he or she can and nothing else. The single reduced payment per month is set up without taking into consideration the living costs which are guaranteed. The IVA bonus is that creditors have no right to request any extra sums of money.</p>
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