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While both options involve combining multiple loans into one, private loan consolidation is generally referred to as refinancing.

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In modern usage, the term cult is often used by the general public to describe any religious group they view as strange or dangerous.

For the Soft Ones to turn into Hard Ones, three different types had to get together and become one. Rowena wrote: "Isaac Asimov had a very interesting premise in The Gods Themselves.\n\n For the Soft Ones to turn into Hard Ones, three different types had to get together and become one.\n\n Hard Ones couldn\'t breed, b..."\n\n' $('comment_body_usertext').value;new Effect.