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"Western Circle (trading as Cashfloat) is a British payday loan company offering "short-term, high-cost credit". The interest charged by the lender is 277.40% pa. The interest is non-compound, as dictated by the FCA. The company declare an APR of 1116% but also claim that the APR measurement is irrelevant for non-compound loans. Currently, the firm operates in the UK market only. The company claims to be technology oriented, and develops its own decision making algorithms. Yet they cannot correctly calculate interest rates and have often been known to display balances in wing above the FCA threshold. Consumer credit suppliers were regulated in the UK by the Office of Fair Trading (OFT) until April 2014, but are now regulated by the new Financial Conduct Authority (FCA). The firm's activity under the OFT was too small to cause any headlines, and hence didn't get direct criticism like much more active companies, such as Wonga. The current activity of the company is allied to the strict regulations of the FCA. The new regulations force much fairer practices in comparison to the period of 2014, and hence no significant complaints arrived to the media. The NHS Nurses publication In October 2016, Western circle published a research based on survey done of 160,000 of clients, claiming that the sector of NHS Nurses is heavily dependent on Payday Loans. According to the research, the number of nurses using payday loans has doubled in 3 years, since 2013. This research brought the matter of the small wages given to the nurses in UK to the attention of media outlets. The claims were that nurses' salaries were frozen for more that 6 years, in some cases, and caused them much financial distress. The matter of the NHS continues to be an important issue of public discussion in the UK. See also *Credit union References British companies established in 2014 2014 establishments in England Payday loan companies Online financial services companies of the United Kingdom "
"Corbin Independent School District or Corbin Schools is a school district headquartered in Corbin, Kentucky. Schools Secondary schools: * Corbin High School (grades 9-12) * Corbin Middle School (grades 6-8) Primary schools: * Corbin Elementary School (grades 4-5) * Corbin Primary School (grades K-3) Preschools: * Corbin Preschool Center (preschool) Alternative schools: * Corbin Area Technology Center (grades 9-12) * Corbin Educational Center (grades 5-12) * School of Innovation (grades K-12) References External links *Corbin Schools School districts in Kentucky Education in Whitley County, Kentucky Education in Knox County, Kentucky "
"The elm cultivar Ulmus 'Betulaefolia Nigrescens', the Black Birch-leaved Elm, reportedly a seedling of a purplish-leaved elm, was first described by Pynaert in 1879 as U. campestris betulaefolia nigrescens. An U. campestris betulaefolia nigrescens Hort. was distributed by the Späth nursery, Berlin, in the 1890s and early 1900s.Späth, L., Catalogue 79 (1890-91; Berlin), p.113Späth, L., Catalogue 158 (1913-14; Berlin), p.137 Green considered the 1930s' cultivar U. nigricans (U. 'Nigricans') a synonym of 'Betulaefolia Nigrescens'. The cultivar is not to be confused with Pynaert's U. campestris latifolia nigricans, described in the same 1879 publication (Green's U. 'Latifolia Nigricans' ). Description The tree was said to have dark, birch-shaped leaves. Späth's cultivar was described as having "brownish leaves". No herbarium leaf-specimens of this cultivar are known. Pests and diseases Not known. Cultivation No specimens are known to survive. One tree was planted in 1897 as U. campestris betulaefolia nigrescens, the 'Black Birch-leaved Elm', at the Dominion Arboretum, Ottawa, Canada. Three specimens supplied by Späth to the RBGE in 1902 as U. campestris betulaefolia nigrescens may survive in Edinburgh, as it was the practice of the Garden to distribute trees about the city (viz. the Wentworth Elm); the current list of Living Accessions held in the Garden per se does not list the plant. A specimen of U. 'Betulaefolia Nigrescens', obtained from Späth before 1914, stood in the Ryston Hall arboretum, Norfolk,rystonhall.co.uk/ in the early 20th century. The cultivar is not known to have been introduced to Australasia. References Ulmus Unconfirmed derivation elm cultivar Ulmus articles missing images Missing elm cultivars Ulmus Edinburgh Spath 1902 "