â¢ The number and amount of community development loans â¢ The use of innovative or complex qualified investments, community development loans, or community development services and the extent to which the investments are not routinely provided by private investors â¢ The bank's responsiveness to credit and community development needs
How do I choose which direction my hardwood should run? Answer: The first answer is, if you have solid hardwood, the wood has to be run in a particular direction. The hardwood should run perpendicular across the floor joists for more strength of the floor going over it. Not doing this can cause sagging of the hardwood and board separation.
The core layer of laminate flooring is manufactured primarily from melamine resin and fiber board material. The top layer has an imprinted textured image made to look like real wood. Engineered hardwood flooring is a type of wood floor that consists of several wood or plywood layers.Bottom and middle layers are manufactured from cross-laid solid wood or plywood planks. The top layer consists of a solid sawn wood lamella, often stained and prefinished in factory setting.ost solid hardwood floors can be sanded up to 6-7 times, while quality engineered hardwood floors â up to 4 times. Given that the average time between sanding is 10 â 20 years, itâs easy to see how real wood floors easily outlast laminate.