what is the difference between brake lining and brake pads
Brake lining Brake linings are composed of a relatively soft but tough and heat-resistant material with a high coefficient of dynamic friction (and ideally an identical coefficient of static friction) typically mounted to a solid metal backing using high-temperature adhesives or rivets. The complete assembly (including lining and backing) is then often called a brake pad or brake shoe. The dynamic friction coefficient "µ" for most standard brake pads is usually in the range of 0.35 to 0.42. This means that a force of 1000 Newtons on the pad will give a resulting brake force close to 400 Newtons. There are some racing pads that have a very high µ of 0.55 to 0.62 with excellent high-temperature behaviour. These pads have high iron content and will usually outperform any other pad used with iron discs. Unfortunately nothing comes for free, and these high µ pads wear fast and also wear down the discs at a rather fast rate. However they are a very cost effective alternative to more exotic/expensive materials.
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Town A town is a human settlement. Towns are generally larger than villages but smaller than cities, though the criteria to distinguish them vary considerably between different parts of the world.
Dividend yield Its reciprocal is the Price/Dividend ratio.