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Not only are they comfortable ( thanks to stretch ) , they 'll give your wardrobe a very colorful kick , too . [ T ] he various methods described in the Guide are alternatives which should be selected on the basis of which is the most appropriate and not where they are found in the Guide ; . Eighty percent of communication is nonverbal , making it vital that veterinarians understand it , he said . To support this purpose , campus decision makers may find it helpful to classify decisions into three types : mandated , expedient , and essential ( Dick Foster , personal communication , July 1988 ) . These break costs can make it untenable to move from a fixed-rate to a variable to take advantage of any fall in interest rates.Switchable mortgages provide some flexibility under certain conditions , but generally only allow for movement from variable to fixed , and not fixed to variable except at the end of the agreed fixed rate period.Variable-rate mortgages enable borrowers to enjoy reductions in interest rates , but they also expose the borrower to additional , often unexpected , payment increases should rates rise.For many owner-occupier borrowers , the ability to make unscheduled repayments of principal without penalty - - and thereby generate substantial savings in interest not paid - - is the real great attraction of a variable-rate home loan . Please note that if you making a comment about the appearance of the web , you might find it helpful to first read About our web especially the section entitled How to get the most from the CCLRC web site .