Perkins Loan

Perkins Loan funds you can receive, depending on whether
you’re an undergraduate, graduate or professional student.
However, the amount you can borrow might be less than
the maximum available.
• Each school participating in the Federal Perkins Loan
program receives a certain amount of Perkins funds each
year from the U.S. Department of Education.
• When all available funds for that award year have been
distributed, no more awards can be made for that year.
• Submit your FAFSA early so you can be considered for
these funds.
Stafford Loans (Direct and FFEL)
The chart, Maximum Annual Loan Limits Chart—Subsidized
and Unsubsidized Direct and FFEL (Federal) Stafford Loans

Mortgage Background:

Depository institutions have traditionally originated residential mortgage loans to hold in their loan portfolios, and mortgage

banking is a natural extension of this traditional origination process. Although it can include loan origination, mortgage
banking goes beyond this basic activity. A bank that only originates and holds mortgage loans in its loan portfolio has not
engaged in mortgage banking as defined here. Those activities are discussed elsewhere in the Comptroller’s
Handbook.
Mortgage banking generally involves loan originations, purchases, and sales through the secondary mortgage market.
A mortgage bank can retain or sell loans it originates and retain or sell the servicing on those loans. Through mortgage
banking, national banks can and do participate in any or a combination of these activities. Banks can also participate in
mortgage banking activities by purchasing rather than originating loans.
The mortgage banking industry is highly competitive and involves many firms and intense competition. Firms engaged
in mortgage banking vary in size from very small, local firms to exceptionally large, nationwide operations. Commercial
banks and their subsidiaries and affiliates make up a large and growing proportion of the mortgage banking industry.
Mortgage banking activities generate fee income and provide cross-selling opportunities that enhance a bank’s retail
banking franchise. The general shift from traditional lending to mortgage banking activities has taken place in the context
of a more recent general shift by commercial banks from interest income activities to non-interest, fee generating
activities.

Norwegian companies Import Export Resellers Top in Trade list

Norsk Hydro asa Norway
Telenor asa Norway
Aker asa Norway
Orkla asa Norway
Aker Kværner asa Norway
Total E&P Norge as Norway
ExxonMobil Exploration and Production Norway as Norway
Yara International asa Norway
Esso Norge as Norway
Kommunal Landspensjonskasse Norway
NorgesGruppen asa Norway
Storebrand asa Norway
Norske Skogindustrier asa Norway
DnB NOR asa Norway
Helse Øst rfh Norway
a/s Norske Shell Norway
Aker Yards asa Norway
Posten Norge as Norway
Coop Norge as Norway
Coop NKL ba Norway
ConocoPhillips Scandinavia as Norway
Reitangruppen as Norway
Eni Norge as Norway
Helse Sør rhf Norway
Tine ba Norway
Veidekke asa Norway
Statkraft as Norway
Nortura ba Norway
Norske ConocoPhillips as
Helse Vest rhf Norway
Gjensidige Forsikring Norway
ExxonMobil Production Norway Inc
Schibsted asa Norway
Møllergruppen as Norway
Helse Midt-Norge rhf Norway
ICA Norge as Norway
SAS Braathens as Norway
Hafslund asa Norway
BP Norge as Norway
Skanska Norge as Norway
Norsk Tipping a/s
Livsforsikringsselskapet Nordea Liv Norge as
SpareBank 1 Gruppen as
Helse Nord rhf Norway
Norges Statsbaner as Norway
Aktieselskapet Vinmonopolet Norway
Expert asa Norway
Ementor asa
Rederiaksjeselskapet Torvald Klaveness
O. N. Sunde a/s
Petroleum Geo-Services asa
Elkjøp Grossist as
Bertel O Steen as Norway
Jotun a/s Norway
Nordea Bank Norge as Norway
Varner-Gruppen as Norway
Cermaq asa Norway
Vesta Forsikring as Norway
Netcom asa
Stiftelsen Det Norske Veritas
Odfjell asa
Statnett sf
Kongsberg Gruppen asa
Moelven Industrier asa Norway
Rolls-Royce Marine as
Ferd Holding as Norway
National Oilwell Norway as Norway
Bama Gruppen as Norway
Wilh. Wilhelmsen asa
Scandinavian Bunkering as
ABB Holding as
Star Shipping a/s Norway
Laco as Norway
Tinfos as Norway
Ullevål Universitetssykehus hf
Rikshospitalet-Radiumhospitalet hf
Avinor as
Enterprise Oil Norge as
Mesta as Norway
NMD Grossisthandel
EDB Business Partner asa
Felleskjøpet Agri ba
Krafts Foods as
Arrow Electronics Norwegian Holdings as
Marine Harvest asa Norway
Lerøy Seafood Group asa
Apokjeden as
YX Energi Norge as
AF Gruppen asa
Siemens as Norway
Leif Høegh & Co Shipping as
Umoe as
GE Healthcare as
Elkjøp Norge Grossist as
NCC Construction as Norway
ISS Facility Services as
Kistefos as
Bergesen Worldwide Gas asa
Idemitsu Petroleum Norge as
Agder Energi as
Color Group asa
Renewable Energy Corporation asa
Optimera as
Rieber & søn asa
IKEA Handel og Eiendom as
Frank Mohn as
Byggmakker Norge as
Camillo Eitzen & Co
Fred Olsen Energy asa
Den Norske Stats Husbank
Fjordkraft as
Tomra Systems asa
Home Invest as
Elkjøp Norge as
Hess Norges as
Kverneland asa Norway
Norsk Rikskringkasting as
Toyota Norge as
Polimoon Group as
Adecco Norge as
Brødrene Dahl a/s Norway
ErgoGroup as
Bergenshalvøens Kommunale Kraftselskap as
Lyse Kraft Norway
Thon Holding as
Hurtigruten Group asa
Aweco Group Holding
A-Pressen as
Eidsiva Energi as
H & M Hennes & Mauritz as
Talisman Energy Norge as
Pareto as
Spencer Holding as
Acergy Norway as
Løvenskiold-Væke as
Vitusapotek as
Odfjell Drilling as Norway
SIBA Norge filial av SIBA AB Sverige
Eltek asa
DOF asa
Baker Hughes Norge as
Tele2 Norge as
Norwegian Air Shuttle asa Norway
Volvo Personbiler Norge as
Nexans Norway as
Coop Trondheim og Omeng ba
Kongsberg Automotive Holding asa
Alliance Unichem Norge as Norway
Felleskjøpet Trondheim
Stiftelsen Norsk Rikstoto
YIT Building Systems as
Gresvig asa
Norsk Scania as
Hewlett Packard Norge as
Borregaard Industries Limited
Ringnes as
Tandberg asa
Canica as
Peterson as
Skagerak Energi
Tiger as Norway
Troms Kraft as
Veolia Miljø as
Skretting as
Technip Norge as
Fokus Bank Norway
Validus as
Statsbygg
Fesil asa
Norsk Stål as
Halliburton as Norway
TGS-NOPEC Geophysical Company asa
E-CO Energi as
Ekornes asa
ConocoPhillips Norge
Bladcentralen ans Norway
International Business Machines as
Widerøe's Flyveselskap as
DONG E&P Norge as
Aker Universitetssykehus
Oslo Bolig og Sparelag
Prosafe se
TV 2 Gruppen as
Bilia Personbil as Norway
Visma as
Bømmeløy as
Grieg Maturitas as
Ruukki Norge as
Sunnmøre og Romsdal Fiskesalslag al
Fjord1 Nordvestlandske as
Kleven Maritime as
Komplett asa
Sparebank 1 SR-Bank
Tandberg Television asa
E A Smith as
Sparebanken Nord Norge Norway
Bauda as
Kruse Smith as
Coca-Cola Drikker as
Onninen as
Eramet Norway as
Södra Cell Tofte as Norway
as Agra Industrier
Reinertsen as
as Bache
Skjeggerød as
MyTravel Norway as
Aker Seafoods asa
Tollpost Globe as Norway
Elektroskandia as
Celsa Armeringsstål as
Laerdal Medical as Norway
Mestergruppen as
Steen & Strøm asa
Europris Holding asa
M-I Swaco Norge as
Nammo as Norway
EGL Nordic as
Rica Hotels as
SINTEF
Farstad Shipping asa
Subsea 7 Norway nuf
Heimdal Gruppen as
Domstein asa
Scana Industrier asa
Coast Seafood as
Olav Thon Eiendomsselskap asa
DOF Subsea asa
Solstad Offshore asa
Nord-Trøndelag Elektrisitetsverk fkf
Rederiet Harald Sætre as
Fatland as
Eniro Holding as Norway
ABG Sundal Collier asa
Nergård as
Nordek as
Heidenreich Holding a/s
Acta Holding asa
Ulsmo as
I K Lykke as
Relacom as Norway
Torghatten Trafikkselskap asa
Tide asa
Kitron asa
Dangaard Telecom Norway as
Trondheim Energi as
Automobil as
APL asa
Hustadmarmor as
General Motors Norge as
Sparebanken Vest Norway
RWE Dea Norge as
Rutebileiernes Standardiseringsaksjeselskap
Wilson asa
Hjemmet Mortensen as
Gyldendal asa
Motor Gruppen as
A Wilhelmsen as
BioMar a.s.
Felleskjøpet Rogaland Agder
Brødr. Sunde a/s
Volvo Maskin as
Gunnar Karlsen as
Norges Røde Kors
Jackon as
TTS Marine asa
Aker Material Handling Norway
Menigo Foodservice Norge as
Sparebanken Midt-Norge
Skeidar Holding as
Jakob Hatteland Holding as
Coop Nord ba
Kaefer IKM as
Bonheur asa
Startour-Stjernereiser as
Nordic Intertrade as
IKM Gruppen as Norway
Stor-Oslo Lokaltrafikk as
Lani Invest as
Block Watne Gruppen asa
Esso Energi as
PEAB as Norway
Scancem International ans
Bankenes Betalingssentral as
Ability Group asa
Johan G Olsen as
Byggma as
Deep Ocean asa
Grenland Group asa
Forbrukersamvirket Sør ba Norway
KB Gruppen Kongsvinger as
Nycomed Pharma as
Kavli Holding as
Coop Orkla ba
Talisman Resources Norway Limited
Boliden Odda as
Coop Vestfold og Telemark ba
SG Finans as
Fosen Trafikklag asa
Pemco as Norway
Skanem as
Ocean Rig asa
Hig Invest as
Norsea Group as
Glava as Norway
Gaz de France Norge as
Heli-One (Norway) as
Johs Rasmussen as Norway
Glamox asa
Monsun as
Euro Sko Norge as
Framo Engineering as
JL Tiedemanns Tobaksfabrik as
DNO asa
Fabricom as Norway
H. I. Giørtz Sønner as
I M Skaugen asa
Sparebanken Møre Norway
Ford Motor Norge as Norway
Byggholt as
Torp Computing Group asa
Hilleik as
Norsk Aller as
Solar Norge as Norway
Store Norske Spitsbergen Kulkompani as
Ernst & Young as
Salmar asa
as Fjellinjen
Norway Royal Salmon as
Selvaag Gruppen as
Electrolux Home Products Norway as
Wenaasgruppen as
Norsk Helikopter as
Accenture ans
Pricewaterhouse as
Pon Equipment as
Energiselskapet Buskerud as
Norconsult Holding as
BMW Norge as
J. J. Ugland Holding as
Det Norske Diakonhjem
Kjedehuset as
Coop Økonom ba
Coop Haugaland ba
Seaborn as
Kuoni Scandinavia ab nuf
CHC Helikopter Service as
as Avishuset Dagbladet
GC Rieber as
Linstow as
DSV Road as
Shell International Pipelines Int nuf
SCA Hygiene Products as Norway
Maske Gruppen as
Chess Communication as
A-K Holding Auctus as
Marathon Petroleum Company Norway
Entra Eiendom as
Nortura Hærland as
Handicare as
HC Holding as
Fugro-Geoteam as
Chevron Norge as
Kronos Norge as
Bonnier Publications International as
Altinex asa
Flying Elephant as
Bergene Holm as
Infocare as
al Gartnerhallen
NCC Roads as
Jordan as
HelgelandsKraft as
Lindex as
Bundegruppen as
Lefdal Elektromarked as
Nordli Gruppen as
Spenncon as
Assuranceforeningen Gard - gjensidig
Spis Norge as
Legula as
Stavanger Fondsforvaltning as
KappAhl a/s
E.ON Ruhrgas Norge as
Fast Search & Transfer asa
Aker Marine Contractors as
Mitsui & Co Norway as
Pfizer as
Sparebanken Hedmark
DFDS Lys Line as
Schenker as
Hansa Borg Bryggerier as
Brynild Gruppen as
KCA Deutag Drilling Norge as
Knutsen Shuttle Tankers Pool as
Clas Ohlson as
JYSK as
Green Reefers asa
First Securities
T S Eiendom as
Norconsult as
Coop Innlandet ba
Høiland Holding as
Tietoenator as
Diakonhjemmet Sykehus as
TDC Song as
AGA as
Lovisenberg Diakonale Sykehus as
as Ugland Rederi
Arcus-Gruppen as
Sulland Holding as
Fujitsu Siemens Computers as
Roxar as
Bautas as
Draka Norsk Kabel as
Technor Holding as
Coop Sambo ba
Maxit as
Stiftelsen Handelshøyskolen BI
Felleskjøpet Maskin ba
Treschow-Fritzøe as
Ruukki Profiler as
Falconbridge Nikkelverk as
Bergens Tidende as
Terra Gruppen as
Get as
Strømberg Gruppen as
as Sigurd Hesselberg
Volvo Aero Norge as
Aspelin-Ramm Gruppen as
Protan as
Fredrikstad Energi as
Frelsesarmeen
Brødrene Risa as
Rasmussengruppen as
Nydalen Bolig as
Bunker Oil as
D&F Group as
Assuranceforeningen Skuld (Gjensidig)
Jøtul Holding as
MAN Last og Buss as
Adresseavisen asa
Utkilen as
Knut Axel Ugland Holding as
Nordlaks Holding as
Fjordlaks as
Istad as
Gunnar Nordbø as
Bourbon Offshore Norway as
Brødrene Nordbø as
Odim asa
Anthon B Nilsen as
Tandberg Data asa
Unicon as
Scandinavian Fittings and Flanges as
Nordic Paper as
Fortum Markets as
Egil Stenshagen Holding as
Norges Handels og Sjøfartstidende as
Eidesvik Offshore asa
Denofa as
Oceaneering as
Hospitality Invest as
Folke Hermansen as
Kid Interiør as
Viking Supply Ships as
Fagforbundet
TrønderEnergi as
Boligbygg Oslo kf
West Contractors as
Glaxosmithkline as
Akershus Energi as
Bjørge asa
Welcon as
Blom asa
NLI Holding as
Santander Consumer Bank as
Kuehne + Nagel as
Periscopus
Norwegian Hull Club - Gjensidig Assuranseforening
Europark as
Synnøve Finden asa
Fjordland as
Trico Supply as
Petrojack
Leonhard Nilsen & Sønner - Eiendom as
Scombrus as
BA Holding as
Norsildmel Innovation as
Wurth Norge as
Multiconsult as
Norsea Gas as
Coop Helgeland ba
Norskott Havbruk as
Eikmaskin as
Carnegie asa
Neumann Bygg as
Capgemini Norge as
Schneider Electric Norge as

All these Companies belong to Norway and are backbone of Norway's Economy, This material is for general information about Norway

The Norwegian economy is an example of mixed economy, featuring a combination of free market activity and large government ownership. The government controls key areas, such as the strategic petroleum sector (StatoilHydro), hydroelectric energy production (Statkraft), aluminium production (Norsk Hydro), the largest Norwegian bank (DnB NOR) and telecommunication provider (Telenor). The government controls 31.6% of publicly listed companies. When non-listed companies are included the state has even higher share in ownership (mainly from direct oil license ownership).

The country is richly endowed with natural resources including petroleum, hydropower, fish, forests, and minerals. Norway has obtained one of the highest standards of living in the world in part by having a large amount of natural resources compared to the size of the population. The income from natural resources include a significant contribution from petroleum production and the substantial and well-managed income related to this sector. Norway also has a very low unemployment rate, currently below 2% (June 2007). The hourly productivity levels, as well as average hourly wages in Norway are among the highest in the world. The egalitarian values of the Norwegian society^{[citation needed]} ensure that the wage difference between the lowest paid worker and the CEO of most companies is much smaller than in comparable western economies. This is also evident in Norway's low Gini coefficient.

Selskap med delt ansvar or DA, in English Company with Shared Liability is a type of company in Norway that does not have limited liability. The company will have two or more participents, who hold a given percentile ownership of the company. A DA is not based around stocks, like the aksjeselskap (AS), nor is there mutual liability, like in the ansvarlig selskap (ANS). Instead each participent is directly liable for its relative ownership in the company.


Norway companies

Template:Norwegian type of company Aksjeselskap Allmennaksjeselskap Ansvarlig selskap Borettslag Enkeltpersonforetak

Etat Health Trust Interkommunalt selskap Kommandittselskap Kommunalt foretak Norskregistrert utenlandsk foretak Regional Health Authority

Selskap med begrenset ansvar Selskap med delt ansvar Sparebank Statsforetak Stiftelse Student welfare organisation

Elastomer Systems.. i like 'em

Davis-Standard supplies complete systems for the following applications:

• Adhesives and sealants
• Appliance and furniture
• Automotive (sealing, hose)
• Construction
• Industrial rubber products
• Footwear
• Personal care and medical
• Recreation and toys
• Tire markets

• ABS Sheet

• Acetals (see Delrin)

• Acetate Sheet, Rolls, Tubing

• Acrylic Plexiglas, Acrylite Sheet, Cast and Extruded Acrylic Rod, Tubing, Square Tubing, Block, Tubing, Sheet

• Balls (Nylon, Teflon, etc.)

• CAB (Cellulose Acetate Butyrate) Tubing

• Celcon (see Delrin)

• Delrin Square and Round Rod, Rectangular and Tubular Bar, Plate, Disc, Strip

• Delrin A.F. Round Rod, Plate, Disc, Bar

• Eastman 910 Adhesive

• Epoxy Cements and Resins

• Ertalyte Round Rod, Plate, Tubular Bar

• FEP Film, Shrink-Fit Tubing,

• Fiberglas Reinforced Plastics

• Fibergrate

• Film Acetate, Mylar, Polyethylene, Vinyl

• Fluorglas Fabrics, Adhesive Tape, Belts

• Fibre-Fishpaper

• Glass Polyester Laminates

• High Impact Styrene Sheet

• Inner-Braided Tubing

• K-Lux Panels

• Kel-F Rods and Sheets

• Kynar

• Lexan Round Rods, Plate, Sheet, Tubing

• MD Nylon Rod, Plate

• Mylar Film, Sheet

• Naigene Industrial Tanks

• Nema Grade Phenolic

• Nylon Square, Round, and MD Rod, Rectangular, Tubular, and Cast Tubular Bar, Disc, Plate, MD Plate, Strip, Pressure and Extruded Tubing, and Custom Casting

• Noryl

• PVC including pipes and fittings

• Phenolic Rod, Sheet, and Tubing

• Plexiglas (see Acrylic)

• Polycarbonate (see Lexan)

• Polyethylene High Density Sheet, Rod, Welding Rod, Rolls, Block, Tubing, Film

• Polyolefins Tivar 100, Polypropylenes, Heat Shrinkable Tubing

• Polypropylene Sheet, Rod, Welding Rod, Rolls, Block, Tubing

• Polystyrene Sheet, Rod, Tubing

• Polyurethane Custom Casting

• Polyphenyline Oxide (PPO)

• Pultruded Fiberglass

• PVC Rod, Welding Rod, Sheet Fittings

• Resins

• Rexolite

• Silicone Rubber

• TFE (see Teflon)

• Teflon FEP Film, Sheet, Round Sheet, Rod, Disc, Extruded Tubing, Tape, Molded Bar and Cylinder, Spaghetti Tubing, Flexible Tubing, Spray

• Transite

• UHMW Sheet, Rod, Bar, Extruded Shapes Bearings

• Vinyl Planished and Calendered Rigid Sheets, Krene Film and Sheeting, Calendered Roll Stock, Cast Film, Clear Tubing

• Vulcanized Fibre

• Zytel (see Nylon)

List of the Elastomer Systems revolving around us in our system

Tire pressure monitoring system

Some actually measure the air pressure and some make indirect measurements, such as gauging when the relative size of the tire changes due to lower air pressure. These systems are becoming mandatory in countries such as the United States. Tire pressure monitoring systems are electronic systems that continuously monitor tire pressure on a vehicle, and alarm when the pressure goes below a warning limit. There are several types of designs to monitor tire pressure. Tires are specified by the manufacturer with a maximum load rating. Loads exceeding the rating can result in unsafe conditions that can lead to steering instability and even rupture.

Tread

The tread is that portion of the tire that comes in contact with the road. The tread is a thick rubber compound formulated to provide a high level of traction that does not wear away too quickly.

Treads are often designed to meet specific product marketing positions. High performance tires have small void ratios to provide more rubber in contact with the road for higher traction, but may be compounded with softer rubber that provides better traction, but wears quickly.

Voids are spaces between lugs that allow the lugs to flex. Tread patterns feature non-symmetrical lug sizes circumferentially in order to minimize noise.

Mud and snow tires are designed with higher void ratios to channel away rain and mud, while providing better gripping performance. When installing new tires, you should try and replace all four at once. Installing just two new tires on the front or rear will encourage under steer or over steer, depending on the vehicle and position of the new tires.

The tread pattern is characterized by the geometrical shape of the grooves, lugs, and voids. Grooves run circumferentially around the tire, and are needed to channel away water. Lugs are that portion of the tread design that contacts the road surface.

• • 2.1 Tread
  • 2.2 Tread lug
  • 2.3 Tread void
  • 2.4 Rain groove
  • 2.5 Sipe
  • 2.6 Wear bar
  • 2.7 Contact patch
  • 2.8 Bead
  • 2.9 Sidewall
  • 2.10 Shoulder
  • 2.11 Inner tube
  • 2.12 Wheel
  • 2.13 Valve stem
  • 2.14 Tire pressure monitoring system
  • 2.15 Load rating
  • 2.16 Inflation pressure
  • 2.17 Speed rating
  • 2.18 Rotation
  • 2.19 Wheel alignment
  • 2.20 Retread
  • 2.21 Flat
  • 2.22 Hydroplaning (or aquaplaning)
• 3 Markings
  • 3.1 DOT Code
  • 3.2 E-mark
  • 3.3 Mold serial number
  • 3.4 Codes
• 4 Use classifications
  • 4.1 Passenger and light truck types
    • 4.1.1 High Performance
    • 4.1.2 Mud and Snow
    • 4.1.3 All Season
    • 4.1.4 All-terrain
    • 4.1.5 Spare
    • 4.1.6 Run-flat
  • 4.2 Heavy duty truck
  • 4.3 Off-the-road (OTR)
  • 4.4 Agricultural
  • 4.5 Racing
  • 4.6 Industrial
  • 4.7 Bicycle
  • 4.8 Aircraft
  • 4.9 Motorcycle
• 5 Construction types
  • 5.1 Bias
  • 5.2 Belted bias
  • 5.3 Radial
  • 5.4 Solid
  • 5.5 Semi-pneumatic
• 6 Performance metrics
  • 6.1 Tread wear
  • 6.2 Dry traction
  • 6.3 Wet traction
  • 6.4 Force variation
  • 6.5 Balance
  • 6.6 Centrifugal growth
  • 6.7 Rolling resistance
  • 6.8 Stopping distance
  • 6.9 TKPH

Tire Industry

The earliest tires were bands of iron (later steel), placed on wooden wheels, used on carts and wagons. The tire would be heated in a forge fire, placed over the wheel and quenched, causing the metal to contract and fit tightly on the wheel. The tension of the metal band served the purpose of holding or "tying" the wooden spokes of the wheel together, hence the term "tire." In addition to tying the spokes together, the tire also provided a wear-resistant surface to the perimeter of the wheel. As wheels changed over time, the term "tire" continued to be used for the outer band even when it no longer served the purpose of tying the spokes together.
The first practical pneumatic tire was made by the Scot John Boyd Dunlop for his son's bicycle, in an effort to prevent the headaches his son had while riding on rough roads (Dunlop's patent was later declared invalid because of prior art by fellow Scot Robert William Thomson).
A skilled craftsman, known as a wheelwright, did this work. The tension of the metal band served the purpose of holding or "tying" the wooden spokes of the wheel together, hence the term "tire."