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How to Use a Letter of Explanation to Get Approved | Trulia – A letter of explanation (LOX) is a brief document sent to lenders to clarify things like an insufficient-funds charge on your checking account, to note changes in income, provide a summary of your rental history, or just about anything that could be called into question during the mortgage approval process.

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Physicists Offer Explanation for Diverse Galaxy Rotations – A team of physicists, led by Hai-Bo Yu of the University of California, Riverside, has found a simple and viable explanation for this diversity. Yu and colleagues report in Physical Review Letters.