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The description of Hotstar APK Live IPL 2022


The description of Hotstar APK Live IPL 2022


IPL 2022 Schedule, IPL Live Score, Points Table app allows you can watch IPL 2022 live score, schedule for IPL 2022, and much more. We have details about every IPL 2022 team and their players for you. You can watch any player's stats and details anytime. In the IPL 2022 Schedule app, you will get all the records and achievements of players in the Indian Premier League in one place. After every match, the IPL 2022 points table will be updated. You can also see the past IPL winners and their performance. The Schedule for IPL 2022 will be displayed in a very stylish manner for you. All the latest updates in the IPL 2022 will be in your hand. Never miss any event or happening moment in the league with IPL 2022 Schedule, IPL Live Score, Points Table app.

Features Of The IPL 2022 Schedule App, IPL Live Score, Points Table application:
✓ Schedule for IPL 2022.
✓ IPL 2022 Live Score.
✓ IPL 2022 Schedule App.
✓ Team List.
✓ Points Table.
✓ IPL 2022 Match Schedule/Fixtures.
✓ Dream 11 Prediction.
✓ Dream Team Predictions for IPL 2022.

All updates about the IPL 2022 matches will be available in the Schedule for IPL App for you for free. Latest events and updates will be provided to you instantly. You can read about the events and catch up with all the action in IPL just by using the IPL 2022 Schedule App. Never miss a single thing about your favorite IPL series.

IPL is the biggest sports festival in India. You can enjoy this festival with IPL 2022 Schedule, IPL Live Score, Points Table, and never miss out on any action.

ગુજરાતમાં કોરોના ઓમિક્રૉનની એન્ટ્રી જોવો કયા આવ્યો પ્રથમ કન્ફર્મ કેશ જોવા માટે અહી ક્લિક કરો

Get all the information about IPL 2022 including Live Scores, Match Details, IPL Schedules and Fixtures, every Team's Details, and many more things. In IPL 2022 Schedule App you can check IPL schedules or matches of your favorite team or you can check the IPL schedule timing of any match, as well as the IPL live score of any match in just one tap. This Is an unofficial App for IPL T20 2022 Player list.




There are 8 teams participate in IPL 2022 tournament. Details about every team and their players are available in the app. Also, the schedule for IPL 2022 contains your favorite team's IPL timetable as well.
Teams Participating in IPL 2022 are:
- Chennai Super Kings.
- Mumbai Indians.
- Rajasthan Royals.
- Royal Challengers Bangalore.
- Sunrisers Hyderabad.
- Kings XI Punjab.
- Delhi Daredevils.
- Kolkata Knight Riders.

કર્મચારીઓએ બદલીની અરજી ફરજીયાત ઓનલાઈન કરવા બાબત આજનો ઓફીસીઅલ પરિપત્ર તા.01/12/2021 ડાઉનલોડ કરવા અહી ક્લિક કરો

IPL 2022 Schedule, IPL Live Score, Points Table App Contains detailed information about all IPL squads and IPL Teams. You can check IPL live match and list of every team with details including player profile and statistics. We also provide you with IPL news & updates. You can get every single IPL live score update in just one swipe. We'll also notify you aboutગ the latest news, scores, and any action that happens during the IPL 2022. IPL live score will be provided in this app as soon as the season's first bowl is thrown. Till then you can read the schedule for IPL 2022, teams, player list, and old series or winner history of IPL. We also have exciting articles about IPL 2022 for you in the app which you can indulge in any time you want to.




Hotstar APK file for Android 4.0+ and up. Hotstar is a free Entertainment app. It’s easy to download and install to your mobile phone.


Please be aware that mytechnogeek only share the original and free pure apk installer for Hotstar 12.1.8 APK without any modifications







The average rating is 3.90 out of 5 stars on playstore. If you want to know more about Hotstar then you may visit Novi Digital Entertainment Pvt Ltd support center for more information




All the apps & games here are for home or personal use only. If any apk download infringes your copyright, please contact us. Hotstar is the property and trademark from the developer Novi Digital Entertainment Pvt Ltd.





VIVO IPL 2021 Score : Vivo Indian Premier League 2021 (VIVO IPL 2021 Score) Daily schedule announced by Board of Control for Cricket in India (BCCI). IPL will be played in UAE from 19-09-2021 to 15-10-2021. The IPL is set to be played in the IPL in view of the growing cases of corona in India. A total of 31 matches playing in which Dubai, Abu Dhabi, Sharjah.



Watch the latest TV serials, Movies and LIVE sports on your Android device for free! Watch full episodes of your favourite shows, full Hindi/Bollywood, English, Tamil, Kannada, Malayalam, Marathi, Telugu and Bengali movies in addition to live cricket.



IPL મા કઈ ટીમે કયા ખેલાડીને કેટલા કરોડમા યથાવત જાળવી રાખ્યા

On Hotstar, you can watch full episodes of your favourite TV serials from popular channels like Star Plus, Life OK, Channel V, Star Vijay, Asianet, Suvarna, Star Jalsha, Star Pravah, Asianet Plus, Star Utsav, Star World, MAA TV and others




Hotstar also has full episodes of your favourite TV Shows from the years gone by – Kyunki Saas Bhi Kabhi Bahu Thi, Kasautii Zindagi Ke, Sarabhai vs Sarabhai, Mahabharat, Khichdi, Iss Pyaar Ko Kya Naam Doon.
Latest Bollywood Blockbusters: We also update our movie catalogue regularly with the biggest Bollywood blockbusters from Salman Khan, Ajay Devgn, Shah Rukh Khan, Hrithik Roshan, Deepika Padukone, Katrina Kaif and others – full movies, available to stream online for free

Hotstar App Download APK for Android Mobile :


Hotstar apk is available for Android mobile device for free. Please read here for more details about Hotstar app download for Android Mobile. The free things which were available on the internet are earning money, and it will be open material anymore by the next years. Making a content company began with YouTube, and this has now broadened to every channel on the planet.



Important Link :
VIVO IPL 2021 Score Card : View Here
Cricbuzz App : Download Here
JioTV : Download Here
HotStar : Download Here
Features:
Great new Search : Our all new search feature will help you find exactly what you’re looking for, in an instant!
Choose your video quality : Choose the bitrate of your streaming video as per your liking.
Great video experience on any bandwidth : even on 2G!
Resume : Hotstar will remember where you stopped watching and can pick up exactly at the point where you left off – across devices!
Note:


Please note that the ‘download’ feature has been temporarily taken off the app. We’re giving this feature a facelift and it will be back on the app very soon, better than ever before. Kindly bear with us for a few days
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NPS/CPF KARMCHARIO MATE KHUB J AGTYA NA PARIPATRO AND INFORMATION

NPS/CPF KARMCHARIO MATE KHUB J AGTYA NA PARIPATRO AND INFORMATION 







Dear Subscriber,

Under NPS, you can avail various online services such as contribution submission, online Transaction Statement, Tier II activation etc. in NSDL-CRA system. CRA also sends various SMS/email alerts to Subscribers including quarterly valuation of NPS investments. You can also check balance as well as manage your NPS account through NSDL NPS Mobile App ‘on the go’.


Statement, Scheme Preference Change etc.

F. No. 1/3/2016-PR – In partial modification of para 1(i) of Ministry of Finance’s Gazette Notification No. 5/7/2003-ECB-PR dated 22nd December, 2003, based on the Government’s decision on 6th December, 2018 on the recommendations of a Committee set up to suggest measures for streamlining the implementation of National Pension System (NPS), the Central Government makes the following amendments in the said notification, namely :-

F. No. 1/3/2016-PR – In partial modification of para 1(i) of Ministry of Finance’s Gazette Notification No. 5/7/2003-ECB-PR dated 22nd December, 2003, based on the Government’s decision on 6th December, 2018 on the recommendations of a Committee set up to suggest measures for streamlining the implementation of National Pension System (NPS), the Central Government makes the following amendments in the said notification, namely :-

NPS/CPF કર્મચારીઓને નિવ્રુતી/અવસાન સમયે જમા રુપીયા ચુકવવા બાબત આજનો લેટેસ્ટ પરિપત્ર તા.01/12/2021......PAGE 1  PAGE 2


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(1) In para 1(i) of the said notification, for the words “The monthly contribution would be 10 percent of the salary and DA to be paid by the employee and matched by the Central Government”, the words “The monthly contribution would be 10 percent of the Basic Pay plus Dearness Allowance (DA) to be paid by the employee and 14 percent of the Basic Pay plus DA by the Central Government” shall be substituted.


(1) In para 1(i) of the said notification, for the words “The monthly contribution would be 10 percent of the salary and DA to be paid by the employee and matched by the Central Government”, the words “The monthly contribution would be 10 percent of the Basic Pay plus Dearness Allowance (DA) to be paid by the employee and 14 percent of the Basic Pay plus DA by the Central Government” shall be substituted
 
(2) The following provisions shall be inserted after para 1(v) of the said notification, namely:-

CHOICE OF PENSION FUND AND INVESTMENT PATTERN IN TIER-I OF NPS AS UNDER:

(vi) Choice of Pension Fund: As in the case of subscribers in the private sector, the Government subscribers may also be allowed to choose any one of the pension funds including Private sector pension funds. They could change their option once in a year. 

However, the current provision of combination of the Public-Sector Pension Funds will be available as the default option for both existing as well as new Government subscribers.


(vii) Choice of Investment pattern: The following options for investment choices may be offered to Government employees :



The existing scheme in which funds are allocated by the PFRDA among the three Public Sector Undertaking fund managers based on their past performance in accordance with the guidelines of PFRDA for Government employees may continue as default scheme for both existing and new subscribers.


Government employees who prefer a fixed return with minimum amount of risk may be given an option to invest 100% of the funds in Government securities (Scheme G).
Government employees who prefer higher returns may be given the options of the following two Life Cycle based schemes.

જુની પેન્શન યોજના પુનઃ ચાલુ કરવા અંગે....      મુખ્યમંત્રીશ્રીનો જવાબ

(A) Conservative Life Cycle Fund with
 maximum exposure to equity capped at 25% – LC-25.

Video contains information on features available in the App like online contribution submission, view Account details, How to get Transaction Statement, Scheme Preference Change etc.

 

Video contains information on features available in the App like online contribution submission, view Account details, How to get Transaction 

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JAVAHAR NAVODAY ENTRANCE EXAM ONLINE APPLICATION FOR ADMISSION TO CLASS 6 (2022-23).

JAVAHAR NAVODAY ENTRANCE EXAM ONLINE APPLICATION FOR ADMISSION TO CLASS 6 (2022-23).






Jawahar Navodaya Vidyalaya Selection Test - 2022

JNV Selection Test for admission to Class-VI in JNVs for the academic session 2022 will be held in , the at in one phase for all Jawahar Navodaya Vidyalayas

Navodaya Vidyalaya 6th Class Admission 2022

Organization Name: JNV

Official Website : 

https://navodaya.gov.in/nvs/en/Home1

Courses Name / Admission : Class 6

Navodaya Vidyalaya 6th Admission Eligibility Criteria

Only those candidates who are studying in class 8th during the Academic session 2021-22 in one of the Govt/ Govt recognized schools of the district where the Jawahar Navodaya Vidyalaya is functioning and where admission is sought are eligible.

Candidates appearing for the admission test must qualify/pass class 8th in the academic session 2021-22 from a Govt/ Govt recognized school in the district where he/she is seeking admission.



A candidate seeking admission must be born between 01.05.2006 and 30.04.2010 (both days inclusive). This is applicable to all categories of candidates including those who belong to the scheduled casts (SC) and scheduled tribe (ST).


How To Apply for NVS Class 6th Admission ?

Visit official website – www.navodaya.gov.in

At the homepage, Notification for Class 6 Admission is given.

Click on that notification and Read it carefully.

Now Click on “Registration Phase 1”.

On clicking on Registration Phase 1,

you will be displayed as given in the picture.

Now You Will have to Choose State and District.

Now, fill up form and upload necessary documents OR 



Contact your district JNV School.

After submitting the application form take the print out for future use.

What is Last Date for JNV Class 6 Admission 2022 ?

Starting Date for Online Submission of Admission:

Last Date for Online Submission of Admission:30-11-2021



Exam Date: 30-04-2022




Type of Test Number of Questions Marks Duration

Mental ability Test ::: 40 Questions
Arithmetic Test ::: 20 Questions
Language Test ::: 20 Questions
Total 80 Questions
100 MArks
2 Hours




જવાહર નવોદય વિદ્યાલય એડમીશન ફોર્મ 2022 ધોરણ 6


IMPORTANT LINKS

ગુજરાતી નોટિફીકેશન PDF ડાઉનલોડ

ઓનલાઈન ફોર્મ ભરવાની લીંક

શાળાએ આપવાનું પ્રમાણપત્ર PDF

HOW TO APPLY FOR JNV SELECTION TEST


Procedure to register online for JNV Selection Test 2022

(i) The process for submission of application for JNV Selection Test has been simplified through online process. Registration can be done free of cost through the admission portal of NVS linked through www.navodaya.gov.in and navodaya.gov.in/nvs/en/Admission-

JNVST/JNVST-class/. Verification of proofs for residence, age, eligibility etc. will be done for selected candidates through the laid down procedure after the declaration of results.

(ii) The eligible candidates have to fill up the online form and upload the certificate with the photograph along with signatures of both candidate and his/her parent/guardian. The attachments should be uploaded in jpg format of the size between10-100 kb only.




(iii) In case of candidates from NIOS, candidates should obtain `B’ certificate and residence should be in the same district where he/she is seeking admission.

(iv) Online platform is in open source and free of cost. Application may be submitted from any source like desktop, laptop, mobile, tablet etc.

(v) In all JNVs a help desk will be available to assist the candidates/parents to upload application free of cost. Parents may also approach the help desk in JNV along with candidate and required documents such as certificate with photograph along with signature of both candidate and his/her
parent/guardian and a mobile phone with valid mobile number for receiving the registration number and password through SMS for 

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Would you like to learn languages playing with your favorite song lyrics?

Would you like to learn languages playing with your favorite song lyrics?



It's very easy and fun! All you have to do is play a song of your choice and listen closely to fill of the missing words in the song lyrics, by selecting the correct option.

With LyricsTraining, you will not only quickly improve your listening comprehension, but also expand your vocabulary by learning new words and expressions, improving your reading comprehension and boosting your grammar skills.

Forget about studying and memorizing endless vocabulary lists for a moment. Learn effortlessly and let your brain do the rest of the work. Just play and have fun while you practice.



“Learning is most successful when students are relaxed, confident and enjoying their learning”
— John Truscott

“Language acquisition does not require extensive use of conscious grammatical rules, and does not require tedious drill”
— Stephen Krashen

Thousands of teachers around the world already use LyricsTraining and recommend it to their students.

LyricsTraining really works!

MUSIC AND LANGUAGE LEARNING
Music stimulates learning and memorization naturally. It is just like when we were kids!

Listening to different accents and intonations helps our brain become more flexible and adaptable so that it can recognize different sounds of a new language.

શાળામાં બાળકોનાં વિદાય સમારંભ સ્પીચ






સ્પીચ 6 pdf


You will not be able to keep yourself from singing along while you listen to the songs and follow the lyrics, which will also improve your pronunciation.

Apart from musical content, there is other content that may interest you, such as movie clips, TV shows, talks, etc. Check out our list of genres.

This is great app to learn maths : multiplication tables. With this simple app you'll just pick a number from 1 to 100 & you'll get its corresponding multiplication table so that you can memorize all multiplications.


Gujarati Maths Tables 1 to 100 for all is a FREE educational application that helps students to learn the Tables in Gujarati Language easily.


ગુજરાતી ગણિત કોષ્ટકો (ઘડિયા) બધા માટે ૧ થી ૧૦૦ એ એક મફત શૈક્ષણિક એપ્લિકેશન છે। જે વિદ્યાર્થીઓને ગુજરાતી ભાષામાં કોષ્ટકો સરળતાથી શીખવા માટે મદદ કરે છે।


This Gujarati Maths Table app is aimed to help people to learn and/or to improve their multiplication table skills.

Read Tables Daily to Perform Calculation Fast.

RINGTONE એપ અહીંથી ડાઉનલોડ કરો


Features :

√ Excellent & Attractive UI.
√ Mathematical Table From 1 to 100
√ Small in size (Low Memory Required)
√ Complete Offline app to learn math tables
√ No need of internet connection required
√ All Tables in Gujarati Language

IMPORTANT LINKS

1 થી 5ના ઘડિયા મ્યુઝિક સાથે સાંભળો અહીં ક્લિક કરો

6 થી 10ના ઘડિયા મ્યુઝિક સાથે સાંભળો અહીં ક્લિક કરો

11 થી 15ના ઘડિયા મ્યુઝિક સાથે સાંભળો અહીં ક્લિક કરો

16 થી 20ના ઘડિયા મ્યુઝિક સાથે સાંભળો અહીં ક્લિક કરો


MAJOR FEATURES
• Multiple choice and karaoke mode. Select the difficulty that best suits your level or simply enjoy synchronized video and lyrics in karaoke mode.
• Bilingual dictionary and integrated translation. Press and hold any word or expression to learn its meaning or translate it into your language. (Not available for romanized languages)
• Level up. Play every day to level up, complete new lyrics and earn new achievements.
• Expand your vocabulary. The more you play, the more words you will get and the greater your language proficiency becomes.
• Compete against other users. Try to get the best score by competing with users from your country or the rest of the world.
• Challenge your friends. Create and share friends-only challenges.
• Track your progress. Check your activity history to track your progress.


OVER TEN LANGUAGES
Learn English, Spanish, Portuguese, French, Italian, German, Dutch, Japanese (Romanji), Turkish, Polish, Swedish, Finnish, or Catalan.

More languages on the way.

PREMIUM FEATURES
Play three games a day for free, or switch to premium to play without limits and unlock some important features:

★ Play thousands of lyrics without waiting.
★ Translate any word or phrase without limits.
★ Access your vocabulary and your complete activity history.


COMMUNITY OF USERS
Join a great community of over 2 million users.
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Gujarati Boy-Baby name from


 Gujarati Boy-Baby name from

DiskDigger can undelete and recover lost photos and images from your memory card or internal memory. No rooting necessary!* Whether you accidentally deleted a photo, or even reformatted your memory card, DiskDigger’s powerful data recovery features can find your lost pictures and let you restore them. You can upload your recovered files directly to Google Drive, Dropbox, or send them via email. The app also allows you to save the files to a different local folder on your device.




Insurance in the United StatesStates

Insurance in the United States alludes to the market for hazard in the United States, the world’s biggest insurance showcase by premium volume.Of the $4.640 trillion of gross premiums composed worldwide in 2013, $1.274 trillion (27%) were written in the United States.

Insurance, by and large, is an agreement where the safety net provider consents to redress or repay another gathering (the safeguarded, the policyholder or a recipient) for indicated shortfall or harm to a predetermined thing (e.g., a thing, property or life) from specific dangers or dangers in return for an expense (the insurance premium).

Insurance in the United States



For instance, a property insurance company may consent to hold up under the hazard that a specific bit of property (e.g., a vehicle or a house) may endure a particular sort or kinds of harm or misfortune during a specific timeframe in return for an expense from the policyholder who might somehow or another be in charge of that harm or misfortune.




If your device is not rooted, the app will perform a “limited” scan for your deleted photos by searching your cache and thumbnails. If your device is rooted, the app will search all of your device’s memory for any trace of photos, as well as videos!


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Best Health insurance Plan in india | Buy online health insurance plan

Best Health insurance Plan in india | Buy online health insurance plan

Popular Health Insurance Companies

1. Why should you purchase a health insurance plan ?


A health insurance plan is a protective measure that prevents you from using your savings in a medical emergency. When faced with a medical emergency, you will have to use your funds from your savings to cover the expenses, unless you are insured. However, with a health insurance policy, you can claim coverage up to the sum insured.

2. Do different companies offer different insurance policies?

A: Yes, they do. Some of the policies are designed to provide individual coverage, while others are family health insurance policies. Similarly, depending upon the premium paid, the health condition of the person or persons being insured, the policy will differ. Thus, depending on the type of policy you are purchasing and the insurance company you are purchasing from, you will be provided a particular healthcare policy.



3. What are the parameters to purchase a health insurance?

A: When you purchase a health insurance policy, you should check the coverage provides, i.e., whether the insurance policy covers medical bills, hospitalization expenses, ambulance charges, medical expenses due to severe illnesses, and domiciliary hospitalization charges. Similarly, the insurance company you are purchasing the policy should be associated with the leading hospitals in your area. Other than that, it should also have a network of hospitals across the country. This will assure you that the policy you purchase is acceptable anywhere in India.


Is there a government insurance company?


A:Yes, New India Assurance Company is a government-owned multinational general insurance company. The first offer was made by a company called Mediclaim Policy. The company has a strong presence in India but in 28 other countries of the world. The company has noted the claim ratio.




4. Should claims be a factor while comparing health policies?




A: Yes, you should check the claims records of the insurance company when purchasing a health insurance policy. For example, Star Health Insurance has incurred a claim ratio of 63%. Apollo Munich Health Insurance, a joint venture of HDFC Limited and ERGO International AG, has posted a claim ratio of 62%. Both of these are higher than Religare Enterprise Limited, which has incurred a claim ratio of 55%. Hence, if you are thinking of purchasing health insurance from a company with a higher ratio of claim settlement, you can opt for Star Health Insurance or Apollo Munich Health Insurance.






5. Why should you purchase health insurance



  •  from Oriental Insurance Company Limited? A: Oriental Insurance Company Limited has numerous insurance-related products. The company has been providing clients with numerous healthcare policies for many years. Additionally, people above the age of sixty do not have to undergo a rigorous medical check-up to purchase an insurance policy. The company also has a network with more than 4300 hospitals across the country. It has incurred a claim ratio of 108%.

  • Cashless claims in 20 mins: With our 24x7 quick support, cashless claims can be settled in 20 mins and reimbursement claims in 4 hrs! ✌️

  • 10,000+ Cashless Network Hospitals: We have the largest network of cashless hospitals spread across India, so we’ll be there for you wherever you are in the country.🏨

  • 97% Claim Settlement Ratio: With 12 lakh+ happy customers and a high claim settlement ratio. Our numbers speak for us. 😊

  • Fully Transparent: From getting the quote, buying the policy to getting the claims settled, you can track everything from the app at any time. No hidden clauses, terms and condition. 🙌

  • No paperwork, completely digital: No long proposal forms & lengthy inspections. With the click of a few buttons, we will instantly send your policy to you on Whatsapp! Access health card and raise the claims from the app itself! 🤩

  • Monthly EMIs starting from ₹240: Safeguard yourself and your family at really affordable prices! 😄

  • Subscribing to a new health insurance plan, calculating the premium, making payment for an EMI or a renewal, submitting a claim, locating a network hospital, or tracking the claim status, you can complete all the tasks within a matter of minutes with this all-in-one Health Insurance App.


અહીંથી પ્રીમિયમ કેલ્ક્યુલેટર પર જાણો તમારું કેટલું પ્રીમિયમ આવશે

અહીંથી જુઓ વિવિધ કંપનીઓના હેલ્થ ઇન્સ્યોરન્સ પ્લાન
6. What are the benefits of purchasing a healthcare policy from National Insurance Company Limited?

 A: National Insurance Company Limited has been providing various types of insurance policies to its customers for almost one hundred years. If you are thinking of buying a health insurance policy from a reputable firm, you should buy a health insurance policy from National Insurance Company Limited. The company also offers free health check-ups and has a claim ratio of 109.94%.

7. What are the cashless benefits?

 A: Some insurance companies may allow the insured to enjoy a cashless hospital admission. Here the insurance company will settle the cost of hospitalization directly, and you will not have to pay any upfront. As a policyholder, you will not have to make any payment during hospitalization.



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Gujarat Government Give Loan For Education

Gujarat Government Give Loan For Education


offer Same Day Loans within a few hours after an application has been successfully submitted. Some lenders also disburse the loan amount within just a few seconds


Our No Closing Cost Option1 greatly reduces the amount of money.you need to bring to the closing. Your interest rate will be slightly higher, but there is no prepayment penalty or hidden restrictions.This option is available for both purchase and refinance mortgage loans.

We understand that when it comes to your dreams, one size does not fit all. Our competitive rates and service will exceed your expectations and are the perfect fit for your dreams. Whether for your home buying or refinancing needs, Credit Union 1 offers a wide selection of Mortgage Loan programs so you can find a payment that fits your.

મધ્યાહન ભોજન યોજના શરૂ કરવા બાબતે ઓફિશિયલ પરિપત્ર

વેક્સીન વિના અનાજ આપવામાં નહીં આવે જોવા માટે અહીંયા ક્લિક કરો

Our Real Estate Specialists will help you find the right Mortgage Loan option. Credit Union 1 has streamlined the home loan process to ensure that your mortgage is closed as quickly and stress-free as possible.

Same Day Loans are just personal loans which are disbursed almost immediately after the submission of a loan application. Most lenders 

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