Bachelor pad pad can be done on a very limited budget as is the case with many young adults and college students or to a level of extravagance as seen amongst celebrities." It should not be confused with the formal term "bachelor apartment", which is used in real estate to refer to an apartment with no bedrooms, in which the main room serves as a bedroom, living room and dining room (and sometimes kitchen). In the United Kingdom the term bachelor pad usually refers to a flat where a single young man lives alone. Most students in the UK are unable to
Priority Sector Lending Certificates versus a negative externality (environmental pollution). The targets in the case of Priority Sector Lending Certificates are a floor and not a cap. Tradable Priority Sector Lending Certificates was first proposed by A.M. Godbole in his article "How to lend more to the poor" (Mint, 28 March 2007). A.M. Godbole had called tradable Priority Sector Lending Certificates as 'social credits'. On 7 April 2008 (in a draft report) and on 12 September 2008 (in a final report) the High-Level Committee on Financial Sector Reforms recommended the introduction of Priority Sector Lending Certificates. On 7 April 2016 the portal for trading