A co-applicant's income and financial status are added together with the primary applicant to provide the basis for qualifying for a loan. For instance, while a marriage contract already provides co-ownership of a home, one applicant can sign the loan and the property is still shared.
This list does not include the American Bison and Caribou, which have been reported archaeologically, but disappeared after European settlers came to the state. It also does not include the Fox Squirrel, which only occurs accidentally. The Atlantic right whale is the state marine mammal of Massachusetts.
There is two state birds. The Black-Capped Chickadee and the Wild Turkey. There is one state fish and that is the cod. There is four state mammals That is the Right whale, the Morgan horse, the Tabby cat, and the most notable Boston Terrier. The last but, not least is the state reptile and that is the Garter snake. the black bear is the awenser.