If you want to convert WAV to MP3 without quality loss, you will need to use a lossless format instead, such as FLAC or ALAC. However, this loss may not be noticeable to most listeners, especially if the MP3 file has a high bitrate (such as 320 kbps) and uses a good encoder (such as LAME). Besides, it lets you change audio parameters for better output. It can easily convert WAV to MP3 in no time. Not all media players are able to play audio in Wav format unlike MP3 files, which are commonly supported by a majority of streaming platforms and devices. WonderFox Free HD Video Converter Factory excels as an audio converter for WAV, MP3, and all other popular audio files. Therefore, converting WAV to MP3 will always result in some quality loss, depending on the bitrate and encoding settings. Free Wav to MP3 Converter is a straightforward tool that lets you convert your Wav files into MP3 without any complication and unnecessary steps. WAV is an uncompressed format that preserves the original sound quality, while MP3 is a compressed format that reduces the file size by discarding some audio data. WAV and MP3 are two different audio formats that have different compression methods and quality levels. Can I convert WAV to MP3 without quality loss? MP3 compression can achieve a high reduction in file size with minimal loss of quality. MP3 also divides the audio into small segments and applies different compression methods to each segment depending on its characteristics. MP3 uses a psychoacoustic model that analyzes the frequency and loudness of the sound and discards the parts that are masked by other sounds or are too faint to be perceived. MP3 audio compression is a technique that reduces the size of digital audio files by removing some of the data that is not essential for human hearing. Therefore, converting WAV files to MP3 can be a good idea for saving space and ensuring compatibility. MP3 files are widely supported by various devices and platforms, while WAV files may not be compatible with some devices or applications. Audio files come in a wide variety of different formatsMP3, WAV, FLAC, OGG, and so oneach designed for a specific application or device. Another reason to convert WAV files to MP3 is to improve compatibility. WAV files are uncompressed and take up more space than MP3 files, which are compressed and have a smaller file size. One reason to convert WAV files to MP3 is to save storage space. Why is it a good idea to convert WAV files to MP3? WAV files are more suitable for professional audio editing and high-fidelity playback, while MP3 files are more convenient for online streaming and personal use. MP3 files are compressed, meaning they reduce the file size by discarding some of the less audible sounds, but they also lose some of the sound quality in the process. WAV files are uncompressed, meaning they retain all the original sound quality of the recording, but they also take up more storage space and bandwidth. WAV and MP3 are two common audio file formats that differ in several ways. They're mainly used in the professional music recording industry, however, more and more people are moving away from WAV and using FLAC (Free Lossless Audio Codec), as it uses compression to make files smaller while maintaining the same level of quality.What is the difference between WAV and MP3? This is a common method Windows uses for storing audio and video files- like AVI- but can be used for arbitrary data as well. WAV file formats use containers to contain the audio in "chunks" using the Resource Interchange File Format. WAV files are uncompressed lossless audio, which can take up quite a bit of space, coming in around 10 MB per minute. What Is a WAV File?Ī Waveform Audio File Format (WAV, pronounced "Wave") is a raw audio format created by Microsoft and IBM. However, if you're not an audiophile and are concerned about storage space, it might be time to convert them to a more manageable format like MP3. WAV audio files are a great way to preserve the complete and accurate quality of a recording in a truly lossless format on your computer.
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Our experience with rescue dogs has been interesting, fun and quite rewarding for all parties involved (especially the Cavaliers). Cavalier Rescue USA (CKCSCR, Inc.) is an organized national team of networked volunteers who find loving homes for any Cavalier who has been released to rescue by his or her owner or caretaker. Rescue dogs come in all shapes ,colors and sizes. There are certain parameters set forth by this organization that a new rescue home must meet, if you call about a rescue dog, these will be covered in detail. We are members of and Oregon coordinator(s) for American Cavalier King Charles Spaniel Rescue Trust. A home “inspection” is required before placing a rescue dog. We then generally keep the dog for at least two months so that we may completely evaluate its behavior, temperament and idiosyncrasies…this helps to insure placement into a suitable new home. The cost of a rescue Cavalier is usually what its veterinarian expenses have been. is a non-profit organization focused on Cavalier King Charles Spaniels who are seniors and/or with special medical needs. When we bring a rescue dog into our home, the first thing that happens is a trip to the veterinarian for a complete health and dental checkup. The Cavalier Alliance for Rescue, Research, and Education, Inc. It is our mission to produce well-adjusted, healthy, and happy puppies for adoption into loving families. It has generally been health issues concerning the human caregivers that have forced them to make the hard decision to give up their beloved canine companion. Country Cavalier King Charles Spaniels are home grown and raised on our farm in Cadoux WA, free to roam around our property and welcomed into our family home. Check with the breeder for up-to-date information on puppy availability. Number of puppies available at time of publication: 0 puppies available. In the several instances that we have had involving Cavaliers it has been just the opposite. Breeder Location City: Oregon City, Oregon Breeder Zip Code: 97045. The term “rescue” does not necessarily mean that a dog has been abused, neglected or poorly treated. *Healthy for a senior, just bad a dental cleaning, heartworm negative, is a little hard of hearing and has minimal sight in his right eye, but gets around just fine.We occasionally have a “rescue” Cavalier available for placement into the right home. We encourage all prospective puppy owners to do their research and be prepared with questions to ask the breeder. AKC proudly supports dedicated and responsible breeders. We are a foster care network saving the lives of puppy farm, pound and surrendered Cavaliers. Mike is from Washington and breeds Cavalier King Charles Spaniels. So if you are looking for the PERFECT gentleman to add to your family, APPLY today! This boy is a catch! We are a no-kill, breed specific rescue focusing our care on the beautiful Cavalier King Charles Spaniel breed and Cavalier King Charles Spaniel cross breeds. He gets along with everyone he meets and is dog, cat and kid friendly. He has handled 1.5 mile walks like a champ! He enjoys being outside and exploring, sniffing his way through the yard! Ted is a very well trained gentleman, he is potty trained and is non destructive when he is left out when his family goes to work. He has quite a bit of pep in his step for a senior and enjoys going to his daily walks. Dawn Stevens Lindemaier is from Washington and breeds Cavaliers King Charles Spaniels and English Toy Spaniels. Thankfully one of our AMAZING foster families stepped up to get him to safety, and the rest is history :) will help you find your perfect Cavalier King Charles Spaniel puppy for sale in Washington. Please see our Contact Us page for the team leader for your area or contact our organization’s director, Carolyn Stigler, at (520) 268-8284 or for more information. We have no idea why, as he is just THE BEST boy. We take Cavaliers in regardless of age or condition and they live as family members with our volunteers until we find them the perfect new home. Is the Cavalier King Charles Spaniel the right breed for you Learn more about the Cavalier King Charles Spaniel including personality, history, grooming, pictures, videos, and the AKC breed standard. Sadly, Ted was found as a stray and ended up at an overcrowded shelter, where no one came for him. Ted is just the CUTEST, little old man, looking for his retirement home. But I can hope.Ĭhem4Kids is a great reference site! This page focuses on the 18 most common elements, and uses them to explain the basic concepts we’ll be discussing over the next few weeks. Hopefully they help someone have fun exploring chemistry and prevent some child, somewhere from growing up to be an adult who laments the unfortunate burning of a lab partner’s hair. These are games, books, experiment kits, and more-not curriculum. I’m including a long list of resources below in case you are looking for something chemistry-related for your own homeschool. But by and large, I’m making this unit about play. We’ve read and explored in a slightly more formal way. So yes, we’ve had purposeful chemistry lessons. He’ll present his findings to his CC class tomorrow. So far, it’s working.Ĭase in point: a recent day of “wintery mix” found John Mark leafing through Junk Drawer Chemistry, and multiple explorations ensued.Ī few days later, when the longest experiment concluded, he was still every bit as enthused. Once again, I’m falling back on the tried and true: living books and experiments designed to not on explain the workings of the world in relation to chemistry, but also to ignite wonder. So how to help these younger kids get to the place where those upper levels come alive? How to introduce them to a new area of science that holds as much discovery and joy as any other, but can seem so much more on the outside? In the end, at the high school level, I decided on a combination of Khan Academy lessons and tons of living science books from the extensive and beautiful Sabbath Mood Homeschooling list. The worst was Apologia, which made me give a slow blink literally every time my high schooler needed help. The best I’ve ever used was the very first edition of Friendly Chemistry, which, back in the day, was a bundle of photocopied pages carefully written to hold the hand of a homeschooling mom as she meandered through games and hands-on activities designed to demystify the science for her kids. I’ll be honest, I find most chemistry curriculum to be, well… awful. Which was my goal with this younger batch: a familiarity with elements, atoms, and the like that opens the door to further learning and a greater understanding of the world God created. The guy can casually weave together a narrative that makes chemistry and its finer workings sound, well… approachable. For proof, check out these videos of high school-aged Mathaus explaining atomic structure, the anatomy of atoms, chemical bonds, and even skunk spray. And, naysayers take note: I seem to have also not passed on my lack of full comprehension of the topic, as well. Happily, in our own homeschool, there have been no chemistry mishaps. I’m not sure where the intimidation factor comes in, exactly, but I cannot seem to shake the sense that no matter how much I’ve learned (and how much the models have changed), part of me is still that high school sophomore seated at the long black lab table who accidentally set her lab partner’s very densely Aqua Netted bangs aflame with a too-enthusiastic twist of the bunsen burner flame control. We’re now focusing on chemistry, the one science I admit gives me that vague feeling of being in way over my head no matter how many classes I’ve taken or how many times I’ve taught it. Our new quarter began last week, and with it, a new unit of science. Purchases made through these links support our family’s work in spreading the Gospel to unreached areas. You can also click Send to send an auto-generated email.Send an email at that contains the registration ID.This id is a code containing alphanumeric and special characters. It will open the Offline Activation window where you will find “Registration ID”. On the Advanced Settings window, click the Offline Activation.Click Advanced Settings on the menu bar.Launch the installed demo version of Stellar Photo Recovery software.Follow the steps given below for offline activation: If you’re unable to activate the software with the Activation Key because of internet connectivity issues or any other issues, go for Offline Activation by using ‘License Key’. When you get the prompt, ‘Stellar Photo Recovery Activated Successfully’, click OK.įor customizable and speedy recovery of photos check What are the Advanced Settings Options of Stellar Photo Recovery Software Offline Activation to get Stellar Photo Recovery Key.Note: If you don’t have the activation key (or using a free demo version), click on ‘Get it now’ tab to buy the software In the option ‘Enter activation key to activate the product’ text box, enter the activation key. After purchase, you will receive the activation key in your email ID within a few minutes.You have to provide your name and email ID.You can pay using cards of every major brand MasterCard, Visa, Maestro, Amex, and Diners Club.You can also select duration – a month or a year.You will be taken to a buy-page check-out cart with options for three types of licenses – Standard, Professional, and Premium.You’ve received the activation key in your email ID within a few minutes after purchasing the software. In the ‘Activation’ window that pops up, enter the Activation Key to activate the product.On the main screen of the software, click on the Activation icon at the top.Download, install, and run the Stellar Photo Recovery software on your computer (Windows/Mac).Ensure that you have a working internet connection.How to Get Stellar Photo Recovery Activation Key? Steps to activate Stellar Photo Recovery Software: you need to avail a Stellar Photo Recovery activation key 2022. However, to have access to the full functionality of the software, you need to activate it, i.e. The demo version allows you to scan the storage device and displays a preview of all the recoverable files. You can download and install the free demo version of the software to evaluate its functionality. This easy-to-use software is very handy for professional photographers as well as photography enthusiasts. The Stellar Photo Recovery software can perfectly recover media files from every type of storage device – SD cards and their variants (SDXC, SDHC), USB flash drives, hard drives, SDD, smartphones, CD/DVD, etc. Otherwise you may have saved cherished moments with your co-workers and colleagues on the trusty iPhone 12.Īfter a firmware update, the card dies. You have travelled far and wide and saved beautiful moments on a 256 GB SDXC card affixed to your favourite Canon EOS 90D with 500 mm lens. Maybe Replika? But not sure if the product is still available. But the pricing is ok, compared to some other ai art generators.Īs for chatbots, I don’t know much. Then you have to pay for it, or the blur to the created artworks will not be removed, kinda annoying. You can have free trials for soulgen, but only 2-3 times. Eine der möglichen Gefahren besteht darin, unangemessene oder sogar illegale Inhalte zu erstellen oder zu teilen. Contact Us - About Us - Term of Use - FAQ - Refund and Fraud Policy - Blocked Content Policy - Content Moderation Policy - 18 U.S.C. Die Interaktion mit NSFW-Inhalten birgt sowohl Risiken als auch Verantwortlichkeiten, insbesondere wenn sie durch unmoderierte AI-basierte Chatbots ermöglicht wird. I used to create more than 50 nsfw artworks using ainsfw.ai. NSFW Character AI - Chat with your AI waifu/husbando. The quality is similar to that of soulgen. Just open the website, select multiple tags, and there you go. Recently they got an “edit image” feature allowing users to undress ai girls, also works well.įor ainsfw.ai, it’s a free tool. Tried several times, and I have to say, truly amazed. The new “look like” feature can even allow you to create images looking like a certain person by uploading the person’s photo. The more keywords and tags you enter, the better the detailing results of the photos. Both anime and realistic nsfw images generated are of high quality. Well, I’ve tried several AI art generators, and my favorites are soulgen.ai and ainsfw.ai.įor soulgen, it focuses on ai girl generating and completely open to nsfw artworks. In any case, I was just looking for some extra variety in my AI endeavors, so if anyone has anything else to share, I’d be more than happy to hear it. Although it gets bonus points for a pretty decent text-to-speech feature which is rather customizable and has lots of voices to choose from. It also tends to reuse sentences that it has already said before but with a few tweaks, so it can get a bit repetitive. I found one called Inworld AI, which lets you make your own characters in extreme detail, and I really liked this one, but, of course, no NSFW content, although you can kinda skirt your way around it a bit. Others just don’t produce the results that I’m looking for, like breast, butt and belly expansion at a good level.Īs for AI chatbots, I know Nastia.ai exists, however I don’t find it suits my liking exactly. I found a good AI art generator, StarryAI, but it uses credits, which isn’t exactly ideal (You get to claim 5 every day, as well as watch one ad per day for an additional 2, among some other ways to get them for free, so it’s still not a bad option). Here is a list of our partners who offer products that we have affiliate links for.I’m looking for more options that preferably have no price tag. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. Second, we also include links to advertisers’ offers in some of our articles these “affiliate links” may generate income for our site when you click on them. This site does not include all companies or products available within the market. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. First, we provide paid placements to advertisers to present their offers. This compensation comes from two main sources. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Forbes Advisor editorial team is independent and objective. I haven’t done so in a few years, but might want to try to get back into it sometime in the future. Biblical Education by Extension – I actually used to teach classes for BEE World.I took many of their courses online, and can vouch for the quality of these classes. Dallas Theological Seminary – I received my Masters of Theology from DTS.They probably have online Bible college courses as well if you look around their site for them. Moody Bible Institute Online – I got my Bachelor’s from Moody, and highly recommend this online Bible seminary.If you are curious about whether an online Bible college course is equivalent to an in-person Bible college course, I will have a few things to say about this at the end of this post. The others I have heard good things about from friends and family members who have attended them. I have actually attended four of these online Bible colleges, and have taken classes from them. Online Bible Colleges and Seminaries I Recommend Wright and you enjoy the online learning experience, then you should consider applying and enrolling into one of the online Bible colleges and seminaries below. Wright’s course on Galatians, but he has others there as well (such an online course on the Gospel and another on Philippians). These courses are much cheaper than what you will pay at another online Bible College or Seminary ($600-$900 per course), plus you can complete them on your own time and at your own pace. I highly recommend you first take some of the online Bible college courses from leading New Testament Scholar, N. Wrightīefore you spend a lot of time and money applying and enrolling to one of the online Bible Colleges or seminaries below, you might want to take a few courses first to see if online Bible college is for you. So whether you are interested in getting an online Bible college degree, or if you just want to get the information that an online Bible college offers, check out the list of schools near the end of this post. Most of the people I talk to who are interested in taking online Bible college courses are not too concerned about the credit, but simply want the information that an online Bible college or seminary can offer. Of course, you won’t get actual college credit for taking these free courses, but at least you can get the information. Some of them even offer free online Bible college courses! This post contains what I consider to be the 10 Best Online Bible Colleges and Seminaries. Thankfully, more and more schools are offering online Bible college courses and online seminary classes to meet this rising need. Lots of people these days are looking for an online Bible college or seminary where they can take courses from home without having to leave their jobs and uproot their families and move to a new city or state. Note over C, S: Subsequent requests include JWT Note over DB: Password is not stored in database Notes allow you to show the reader helpful text and can be placed over a single system or over two different systems using the note syntax: sequenceDiagram Often you'll want to annotate your diagrams with notes. S->C: 200 OK & JWT Notes and Sequence Numbers If you wanted to indicate that a system is actually an actor (typically something involving a human user), you can use the word actor instead of participant and the diagram will update. Here C, S, and DB are all aliases used in the actual message lines while their full names still show up in the generated diagram. This also gives us an opportunity to tweak the order of the systems shown, if we wanted to swap the order of the Database and Server, for example: sequenceDiagram Aliases and Actorsīecause typing Client and Server can get tedious, Mermaid.js gives us a way of creating aliases for our systems by declaring them at the top of the sequenceDiagram block. Here by adding the Database node and illustrating the message was sent from the server to the database, our diagram automatically expands.Īlso note that systems appear in the order in which they're first mentioned, with the first system on the left and the last being at the right. Now that we've seen a simple message between two systems, let's show the database's role in fulfilling the request: sequenceDiagram The -> arrow (note the two dashes instead of one) indicates a dotted line return value This will not appear in the examples in this article Note: for asynchronous messages you would indicate them with -). The value after the : describes the contents of the message. The -> arrow indicates that the message is intended to be synchronous. Next, we declare a message from a Client to the Server. Here we start by specifying that the Mermaid diagram we want to use is a sequence diagram. sequenceDiagramĬlient->Server: Login (Username, Password) Let's start with a simple sequence diagram representing a message from the client to the server and the server's response back. If you're curious about this, however, I do have an article and video on understanding JWT authentication. However, the focus of the article's text will be on the diagrams themselves, not the process of JWT authentication. Over the course of this article, we'll create and expand a sequence diagram to explain JSON Web Token (JWT) authentication. If you're curious about sequence diagrams in general, a good starting point might be Visual Paradigm's Guide to Sequence Diagrams. This can help explain complex logic and interactions with a technical diagram and identify areas of confusion or misunderstanding. Sequence diagrams represent systems and individuals as vertical columns and messages between these parts as horizontal lines that move across the various lanes to show how data flows between different pieces of the system. What are Sequence Diagrams?įor those of you who haven't been exposed, sequence diagrams describe a series of messages in a sequence between different objects. Mermaid.js is available in a variety of tools, but I most frequently use it in GitHub markdown files and in Polyglot Notebooks. It also means that the diagram source is easily version-controlled and anyone on your team can modify it without special tooling or licenses. This means your time is focused on actually writing the interaction logic instead of generating a visual. With Mermaid.js you can write a few lines of text and use its JavaScript library to generate a professional sequence diagram like the one below: Mermaid.js is the solution I needed 20 years ago. I distinctly remember working on sequence diagrams in my undergraduate computer science education and having so many issues trying to get the various boxes and arrows to look standard, rearrange shapes as I needed to expand the diagram, and generally focusing on anything but the logic the diagrams intended to create. Previously I've shown how Mermaid.js allows you to create entity relationship diagrams and class diagrams, but in this article we'll cover a far more complex diagram: the sequence diagram. I've been really enjoying seeing how Mermaid.js lets you generate technical diagrams from simple markdown. Why you should never set out to marry rich: And I know because I live in a world full of wives who wish they hadn't!.'Be careful what you wish for': Rishi Sunak allies warn he will call snap election if Tory MPs try to oust him - as he launches a fightback TODAY amid anger at 'on manoeuvres' Penny Mordaunt.DR MAX PEMBERTON: The signs you might be in a controlling relationship.I was sectioned and ended up homeless on a park bench, but with my first proper wig I'm in a really good place now: GAIL PORTER describes the toll of the last 19 years in a brutally candid interview.Idris Elba reveals plan to build futuristic eco-city off the coast of Africa: Hollywood star shares 'big dream' to transform 'forgotten island' near his father's native Sierra Leone into 'smart city' with electric cars.James Bond fans confirm who they REALLY want as Daniel Craig's replacement - overwhelmingly beating two other 007 candidates.Police called in over food tampering attack after Aldi is forced to pull products from the shelves after metal is found inside them sparking sabotage fears.from your partner to your boss, here's how to handle those with the personality disorder These are the six signs the people around you are narcissists.Revealed: Erection pills such as Viagra and Cialis have been linked to over 200 deaths in Britain.'Crossbow sniper' suspect, 47, is arrested on suspicion of attempted murder after two residents of Shoreditch estate are attacked within days of each other. Kate Middleton's surprise farm shop trip suggests 'panic at the Palace' with aides having no clear strategy on how to update the nation on her recovery - and their 'ducking and weaving' will fuel yet more conspiracy theories, warn experts. I am aware of the definition and as I have not seen the images in question, I think it can be presumed that someone posing for Penthouse would be posed in some suggestive / erotic way. Directed and produced by her former boyfriend and business partner Stewart Dell, the video had been filmed in early 1988.Īfter signing a contract, she began working as a nude model and appeared in magazines such as Velvet, Juggs, and Club. During August, when she was selected to model for Penthouse magazine's September 1984 15th-anniversary issue, Kuzma was asked to choose a stage name.In the end, Lords didn't really hurt Penthouse, even if she made their most popular issue a crime to own. Her role of Sam in the romantic comedy Chump Change earned her the Film Discovery Jury Award for Best Actress at the U. The only legal porn movie Traci created was Traci, I Love You in 1987, which was filmed in Paris, France, on her 18th birthday. After she left the porn industry, Lords enrolled at the Lee Strasberg Theater Institute for getting trained in method acting. Traci met actor Ryan Granger and they married in 1999.She provided Kuzma with a new birth certificate on condition that if she were ever caught she would say that she had stolen the phony identification. The marriage ended after six years in divorce. However, Traci met him on the set of the teen musical comedy film “Cry-Baby”. Brook is known for his appearances on American Ultra and The Boondock Saints. She first married actor Brook Yeaton in Baltimore, Maryland in the year 1990. Traci Lords has been married three times. In 2003, she wrote the book “Traci Lords: Underneath It All” a book that explains her journey to fame and all. Her last award was in 2013 when she won the Best Supporting Actress award at the CinEuphoria Awards and Fangoria Chainsaw Awards respectively. She also won the Best Supporting Actress award at the ‘Fright Meter Awards’ for her role in “Excision” in 2012. She won the Best Actress Award at the Film Discovery Jury Awards for her role in “Chump Change” in 2001. Traci continued to appear in films and soon began to win awards for her hard work on the screen. One of her lead songs in the album “Control” reached the second spot on the Billboard Hot Dance Club Songs list while a remix of the track was used in the video game of Mortal Kombat. Later, she released her debut album entitled “1000 Fires” in 1995. Traci jumped into music and signed a contract with Radioactive Records and recorded the song “Love Never Dies” for the movie “Pet Sematary Two”. Her modeling career took her to London where she modeled for brands like Thierry Mugler. She also signed a modeling contract for the magazine “Muscle & Fitness” with her birth name Nora Kuzma. “Intent to Kill” and many others as her career progressed. She appeared in films like “Shock ‘Em Dead”. Due to how popular she was before going mainstream, her breakout role did not take a decade to come as she played the role of an obstinate teenager in the musical comedy film “Cry-Baby”. 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If a creditor contests theĭischarge of a debt based on fraud, or because it believes the debt wasĬaused by a willful and malicious injury, it must file an adversary Adversary Complaints to Challenge the Dischargeability of DebtsĪre most likely to face an adversary complaint if a creditor wants toĬhallenge the dischargeability of a debt. Objection to a claim of exemption are examples of contested matters thatĪre not adversary proceedings. Some disputes are called "contested matters" and are notįiled as separate lawsuits. Not all disputes within the bankruptcy are filed as adversary Married couple a divorce, even when the couple has debts and assets that So, for example, a bankruptcy judge cannot grant a Bankruptcy judgesĬan only rule on issues that are "related to" the bankruptcy (called
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