The top edge of the pad overlaps the top of the rotor. This can be caused by wear on the guide pins, caliper or caliper bracket or having the wrong rotor or pad on the vehicle. To correct this kind of wear, replace the pads and fit the vehicle with OE specification diameter rotors.
A fascinator is a headpiece, a style of millinery. Fascinators were originally a type of lightweight knitted head-covering.
A pouch laminator is a small desktop machine that uses pre-cut pouches of laminating film. A pouch is two pieces of plastic sealed along one edge. It opens like a file folder; you slip in your paper document, close the pouch and place it in a cardboard carrier, then feed it into your pouch laminator.