A Crossbreed Who Hasn't Got the Hump; ANSWERS TO CORRESPONDENTS

Daily Mail (London), March 20, 2004 | Go to article overview

A Crossbreed Who Hasn't Got the Hump; ANSWERS TO CORRESPONDENTS


QUESTION Is it possible to cross a Dromedary with a Bactrian camel?

How many humps would the offspring have?

IT IS possible to cross the two, indeed there is some doubt whether the Bactrian and Dromedary are different breeds, as they are able to mate freely.

Of the many crosses, the most prolific is the heavy Anatolian one-humped camel, which is half-Bactrian and half-Dromedary.

Because of their superior size and weight, which can go up to 1,000kg, they are used for heavy agricultural work and commercial transport.

In 1998 a more extraordinary cross was made by scientists in the United Arab Emirates who created Rama, a camel-llama hybrid known as a Cama. He has the short ears and long tail of a camel, but the cloven hooves of a llama, distinct from the single footpad of the camel.

He was born without his father's hump.

Leonard Chapman, London W2.

QUESTION What is the Rule of 78 with regards to money lending?

THIS is a formula introduced under the Consumer Credit Act 1974 to provide fair treatment for the lender and borrower when dealing with credit charges which are payable when a borrower wishes to settle his loan early.

It applies to loans regulated by the act where the borrower agrees to pay a fixed sum of charges over the term of the loan by equal monthly instalments.

Confusion arises in that the regulations governing such settlements are called 'Rebate on Early Settlement' and borrowers may expect a refund of credit charges already paid. This is not so. The 'rebate' relates to a reduction in the total credit charges that would have been payable, had the loan run its full term.

In the event of early repayment, the Rule of 78 is applied to determine the amount required from the borrower to settle the outstanding capital sum and credit charges.

The monthly instalments under such loans are not split in regular proportions between reduction of the capital sum and payment of the credit charges, since the latter are greater in the early life of the loan when the debt is larger.

The Rule of 78 calculation assumes that on, for example, a 12-month contract, the credit charges are spread on the basis of 12/78ths of the total charges in month one, 11/78ths in month two and so on ('78' is the sum of the numbers one to 12, hence the rule's name).

Some adjustment is also permitted to compensate the lender for its setting-up costs, which may not be fully recouped when a loan is settled early. …

The rest of this article is only available to active members of Questia

Sign up now for a free, 1-day trial and receive full access to:

  • Questia's entire collection
  • Automatic bibliography creation
  • More helpful research tools like notes, citations, and highlights
  • Ad-free environment

Already a member? Log in now.

Notes for this article

Add a new note
If you are trying to select text to create highlights or citations, remember that you must now click or tap on the first word, and then click or tap on the last word.
One moment ...
Default project is now your active project.
Project items

Items saved from this article

This article has been saved
Highlights (0)
Some of your highlights are legacy items.

Highlights saved before July 30, 2012 will not be displayed on their respective source pages.

You can easily re-create the highlights by opening the book page or article, selecting the text, and clicking “Highlight.”

Citations (0)
Some of your citations are legacy items.

Any citation created before July 30, 2012 will labeled as a “Cited page.” New citations will be saved as cited passages, pages or articles.

We also added the ability to view new citations from your projects or the book or article where you created them.

Notes (0)
Bookmarks (0)

You have no saved items from this article

Project items include:
  • Saved book/article
  • Highlights
  • Quotes/citations
  • Notes
  • Bookmarks
Notes
Cite this article

Cited article

Style
Citations are available only to our active members.
Sign up now to cite pages or passages in MLA, APA and Chicago citation styles.

(Einhorn, 1992, p. 25)

(Einhorn 25)

1

1. Lois J. Einhorn, Abraham Lincoln, the Orator: Penetrating the Lincoln Legend (Westport, CT: Greenwood Press, 1992), 25, http://www.questia.com/read/27419298.

Cited article

A Crossbreed Who Hasn't Got the Hump; ANSWERS TO CORRESPONDENTS
Settings

Settings

Typeface
Text size Smaller Larger Reset View mode
Search within

Search within this article

Look up

Look up a word

  • Dictionary
  • Thesaurus
Please submit a word or phrase above.
Print this page

Print this page

Why can't I print more than one page at a time?

Full screen

matching results for page

Cited passage

Style
Citations are available only to our active members.
Sign up now to cite pages or passages in MLA, APA and Chicago citation styles.

"Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn, 1992, p. 25).

"Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences." (Einhorn 25)

"Portraying himself as an honest, ordinary person helped Lincoln identify with his audiences."1

1. Lois J. Einhorn, Abraham Lincoln, the Orator: Penetrating the Lincoln Legend (Westport, CT: Greenwood Press, 1992), 25, http://www.questia.com/read/27419298.

Cited passage

Welcome to the new Questia Reader

The Questia Reader has been updated to provide you with an even better online reading experience.  It is now 100% Responsive, which means you can read our books and articles on any sized device you wish.  All of your favorite tools like notes, highlights, and citations are still here, but the way you select text has been updated to be easier to use, especially on touchscreen devices.  Here's how:

1. Click or tap the first word you want to select.
2. Click or tap the last word you want to select.

OK, got it!

Thanks for trying Questia!

Please continue trying out our research tools, but please note, full functionality is available only to our active members.

Your work will be lost once you leave this Web page.

For full access in an ad-free environment, sign up now for a FREE, 1-day trial.

Already a member? Log in now.