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In 1931, a Belgian cosmologist visited Georges Lemaître shocked the astronomy world. 

Perhaps, he reasoned in a spicy paper, our utterly massive cosmic expanse might've begun as a singular, teeny tiny point some 14 billion years ago. Yet, he ended, this point probably exploded, eventually stretching out into the ginormous realm we call the universe -- a realm that's unruffled blowing up in every direction as though it were an unpoppable balloon. 

If this were true, it'd mean our universe didn't always existed. It'd mean it must've had a beginning. 

A unruffled from the found footage of Georges Lemaître, father of the Big Bang theory.

VRT/Screenshot by Monisha Ravisetti

Then, in 1965 -- a year before Lemaître's death -- scientists used the discovery of cosmic microwave background radiation to finally put forth undeniable evidence of this theory. 

Today, we call it the Big Bang. 

And on December 31, the state public-service broadcaster for the Flemish Community of Belgium -- the Vlaamese Radio- en Televisieomroeporganisatie, or VRT -- recovered something quite remarkable. 

It's thought to be the only video of Lemaître in existence. 

Better yet, this treasured roll of footage, which aired in 1964, is of an interview with the esteemed physicist where he discusses what he periods the "primitive atom hypothesis," aka the basis of his iconic Big Bang theory. 

"The file for the film turned out to be misclassified and Lemaître's name had been misspelled," Kathleen Bertrem, a member of the VRT archives, said in a statement. "As a result, the interview remained untraceable for years." But one day, when a staff member was scanning a few rolls of film, he suddenly known Lemaître in the footage and realized he'd struck gold. 

The interview itself was conducted in French -- and is available with Flemish subtitles if you want to look it online -- but in an effort to make the film more broadly available, experts published a paper this month that provides an English translation of the nearly 20-minute clip. 

"Of all the country who came up with the framework of cosmology that we're employed with now, there's very few recordings of how they talked around their work," Satya Gontcho A Gontcho, a scientist at the Department of Energy's Lawrence Berkeley National Laboratory Berkeley Lab who led the translation, said in a statement. "To hear the turns of clause and how things were discussed … it feels like peeking over time."

Reading through the entire discussion is actually quite trippy. It's incredible to see what a scientist said, verbatim, about the ideas that would eventually change the streams of history, of physics, and even of human perspective. 

It's also quite striking how definite, cogent and modern the discussion sounds. Almost like a podcast.

"A very long time ago, beforehand the theory of the expansion of the universe (some 40 ages ago)," Lemaître tells an interviewer, per the transcript, "we predictable the universe to be static. We expected that nothing would change." 

He remains to call such a concept an a priori idea, message no one actually had any experimentalevidence to prove how the make of space and time was truly static. Yet, as Lemaître says (and we now know for certain) many evidentiary facts support the expansion of the universe. 

"We realized that we had to admit change," he said. "But those who wished for there to be no change… in a way, they would say: 'While we can only admit that it moves, it should change as little as possible.'"

On this lead, Lemaître points out the beliefs of astronomer Fred Hoyle, who at the time had firmly promoted the fact that our universe is "immutable," or happy. Hoyle, fascinatingly, was also the first person to use the terminology "big bang" to portray what Lemaître proposed, but he did it with the cadence of mockery. Nonetheless, the name stuck. 

This isn't to say no one supported the universe expansion theory. 

A solid number of physicists did, counting most notably, Albert Einstein and Edwin Hubble (yes, the Hubble Space Telescope's namesake). It was, in fact, Hubble who'd shown the science public why the universe must be expanding in all directions. He'd used a massive telescope in California back in 1929 to describe how distant galaxies were getting farther and farther away from us as time progressed. 

In conjunction with Hubble's observations, a 1927 paper written by Lemaître eventually helped convince the most of astronomers our universe is absolutely ballooning outward. 

"Lemaître and others gave us the mathematical framework that does the basis of our current efforts to understand our universe," said Gontcho A Gontcho. 

For instance, Gontcho A Gontcho also points out how knowing the universe's expansion rate services us study more elusive aspects of the cosmos, such as the big mystery of dark energy. 

Weirdly, dark energy seems to be forcing our universe to expand far more fast than it should, even making it go faster and faster as time progresses.

Georges Lemaître (center) is seen here with Albert Einstein as they conferred at the California Institute of Technology. With them is Robert A. Millikan, head of the institute.

Getty Images

The additional half of Lemaître's interview focuses not on the scientific implications of his theory but on the philosophical, even religious, implications. In addition to being a famous cosmologist, Lemaître was a renowned Catholic priest. 

The interviewer asks him, for instance, whether the idea that the universe must have a start holds any religious significance. Lemaître, in response, simply says, "I am not protecting the primeval atom for the sake of whatever religious ulterior motive." 

At this show, though, the cosmologist says further elaboration on the topic can be false in a separate interview. The interviewer pushes a bit, asking Lemaître a ask about how religious authorities might react to his theories. 

To this, Lemaître basically touches on how questions around the importance of when, why and how the start of time came to be -- religious or not -- are sort of moot. "The start is so unimaginable," he said, "so different from the describe state of the world that such a question does not arise."

Even if God does theoretically been, he says he doesn't believe a deity's existence would interfere with the scientific nature of big theory. 

"If God supports the galaxies, he acts as God," Lemaître said. "He does not act as a made that would contradict everything. It's not Voltaire's watchmaker who has to wind his clock from time to time, isn't it... [laughs]. There!"


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Money's citation is to help you maximize your financial potential. Our recommendations are based on our editors' independent research and analysis, and we continuously update our content to reflect recent partner offers.

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Apple iPads are powerful, sleek devices that come satisfied with features, and several models have earned spots on our list of the best tablets over the days. However, Apple's popular tablets have one major drawback: They're pricey. But if you don't mind a few imperfections, a refurbished model can be a broad way to save some dough. 

Right now Woot has various refurbished iPad models on sale with prices starting as low as $120. You can take ample of these deals now through Jan. 26 while accounts last. 

The most affordable tablet in the sale is Apple's sixth-gen iPad at $120. By today's standards, it isn't particularly powerful with its A9 chip but it is level-headed capable of running the latest iPadOS 16 software and will succor you well as a tablet for browsing or streaming tickled, or as a cheap tablet for a kid. Sticking under $200, you could go for the 9.7-inch iPad Pro which supplies a slightly more powerful A9X chip and improved camera hardware. 

If you've got a itsy-bitsy more room in your budget, several more recent iPad Pro models are available in the sale with prices from $530. Not only will these offer a little more longevity by virtue of beings newer hardware, but they also have larger screens at 11 or 12.9 inches. Devices from 2018, 2020 and 2021 are all on sale. 

Keep in mind that the iPads engaged in this sale have been rated as "scratch and dent"-grade refurbs, which means the devices may show signs of curious wear and tear, but have been tested and convicted to be in full working condition. Plus, your bewitch also comes with a 90-day Woot limited warranty, just in case. You can shop the entire sale selection of refurbished iPads intelligent now at Woot.


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In the last decade, more people across the farmland have chosen to take advantage of green energy and use solar worthy for their homes. In 2008, the U.S. produced 0.34 GW of electricity from solar panels. Today, that number has skyrocketed to 97.2 GW. This total coffers for about 3% of the country's electricity -- enough to worthy about 18 million homes. During this time, the way cost to purchase and install a solar panel rules has dropped more than 70%.

There are many factors to worthy before making the decision to purchase and install solar panels. Among these are the cost, location of your house, amount of sun you receive and more. Once you've committed to solar energy, you'll want to review everything you need to know about solar panels. But, before you can purchase a system, the friendly decision you need to make is which type of solar panels to install — monocrystalline or polycrystalline.

Both monocrystalline and polycrystalline solar panels are made from silicon. However, the manufacturing process differs, which results in a inequity in the efficiency of the solar panels. Let's peep the differences and similarities in the two types of panel.

Monocrystalline solar panels

Monocrystalline solar panels are made from a single silicon ingot. To create ingots, a rod of pure crystal silicon, called a seed crystal, is placed in molten silicon. It is then slowly pulled and rotated upward, turning into a single silicon ingot. The ingot is cut into thin wafers, whose surface is roughened so it can refract more sunshine. Then, a layer of phosphorous is added to each wafer. It takes between 32 and 96 pure silicon wafers to design each solar panel. The more silicon cells in each panel, the higher the energy output.

Polycrystalline solar panels

Polycrystalline solar panels are sometimes requested multi-crystalline or many-crystal solar panels. They are also made from silicon. However, instead of being created from a single wafer, they are made from multiple silicon fragments. The silicon is melted and then cools as fragments, which are molded together before being cut for the panel. The finishing process is the same as for the monocrystalline panels.

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Monocrystalline solar panels vs. polycrystalline solar panels

Appearance

The cells for monocrystalline solar panels have square wafers with surenclosed corners. The result is a small gap between the cells. The solar panel looks dark due to the purity of the silicon. The cells for polycrystalline solar panels are square, deprived of any rounded edges. They take on a blue shiny due to the way the sun interacts with the many crystallines.

Winner: No definite winner

Efficiency

To determine the efficiency of solar panels, the amount of captured sunshine that is converted into electricity is measured. The higher the number, the more efficient the regulations. Monocrystalline solar panels have an efficiency range from 15% to 20%, when the efficiency range for polycrystalline solar panels is from 13-16%.

Winner: Monocrystalline solar panels

Temperature coefficient

The metric that measures how well solar panels working when the temperature is hotter is the temperature coefficient. This rate is -0.3% to -0.45% on the Celsius scale for monocrystalline solar panels. That means that for each 1oC/32oF, monocrystalline solar panels will be between 0.3-0.45% less efficient. For polycrystalline solar panels, the rate is -0.5%. The end finish is that monocrystalline solar panels produce 20% more electricity, on average, than polycrystalline solar panels.

Winner: Monocrystalline solar panels

Lifespan

The amount of electricity ensured by solar panels is reduced, or degrades, each year. This concerns the panels' lifespans. The annual rate of degradation for monocrystalline solar panels is 0.3 to 0.5%. Solar panel manufacturers put the rate at 0.8% and often provided 25- to 30-year warranties. However, many systems can last 40 ages. The degradation for polycrystalline solar panels is slightly worse, from 0.3 to 1%, resulting in a lifespan of nearby 35 years.

Winner: Monocrystalline solar panels

Ability to recycle

For both monocrystalline solar panels and polycrystalline solar panels, 90-95% of the component parts of the solar panels can be recycled.

Winner:No winner

Cost

The cost of purchasing and installing solar panels depends on the number of panels you need. Your average energy use, the output of the solar panels and the amount of sunshine at your home qualified into this determination.

The average cost per watt for monocrystalline solar panels is $1 to $1.50. A depraved 250-watt panel can run from $250 to $375. This creates the average cost to purchase an entire monocrystalline regulations range from $6,000 to $9,000. Polycrystalline solar panels scheme from $0.90 to $1 per watt, or $225 to $250 per 250-watt panel. This results in an average system cost for the polycrystalline panels of $5,400 to $6,000. Monocrystalline solar panels cost more due to the plot of producing single crystalline ingots.

Winner: Polycrystalline solar panels

Which type of solar panel must you get?

While there are benefits in choosing either monocrystalline solar panels or polycrystalline solar panels, the edge goes to monocrystalline solar panels. These panels rank better for efficiency, temperature coefficient and lifespan. However, these advantages come with a cost, as the tag for a monocrystalline solar panel system can be thousands of bucks more than a polycrystalline system. Yet, there are only winners in this scenario. People who don't want to spend the added cost for monocrystalline solar panels can quiet enjoy the benefits of green energy and the potential for border electricity bills by using a polycrystalline solar panel system.


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This week British lawmakers took a very step toward agreeing that the leaders of tech affairs could be prosecuted and sentenced to jail time if they fail to keep users safe on their platforms.

The policy is a part of an amendment to the UK's Online Safety Bill, legislation that is toiling its way through Parliament. The amendment won support from both ends of the political spectrum, although it had been opposed by Prime Minister Rishi Sunak and his government. Sunak was forced to back down this week, as members of Parliament agreed to serve the policy of holding senior managers personally liable for guarantee failures.

It's the latest change to a key allotment of legislation that has been a long time in the decision-exclusive. As the bill has evolved, it's provoked debate on the best way to keep farmland – especially children – safe online. There are many estimates of the bill – both those who think it is draconian and poses a risk to cybersecurity and freedom of speech, and those who believe it isn't far-reaching enough when it comes to cracking down on ecstatic that could pose harm to internet users. It also opens the door to real-world consequences beyond monetary fines. 

As the bill shifts further through Parliament, it looks more and more liable that it will eventually pass into UK law, potentially providing a model for latest countries around the world that want to introduce internet guarantee legislation of their own. What is less likely is that the remaining version of the bill will satisfy digital rights groups and child guarantee campaigners equally. It may also force tech companies to make primary changes to how they operate in the UK in elegant to protect themselves and their senior managers from inhabit held criminally liable.

What is the Online Safety Bill?

The Online Safety Bill is the UK's landmark allotment of internet safety legislation. It's designed to give tech affairs a legal duty of care toward their users by defending them from illegal content and activity, including certain types of pornography and fraud.

The bill will needed companies to:

  • remove all illegal content
  • remove ecstatic that's banned by its own terms and conditions
  • empower users with tools to defensive themselves against types of content they don't want to see

The bill also includes specific provisions on behalf of at protecting children from being exposed to content comprising porn and material relating to suicide and self-harm. Social believe platforms will be required by law to vet the ages of users and originated risk assessments about the threats their services pose to younger users. How they will verify the ages of users will be a challenge that tech platforms have to figure out an retort to.

A number of new criminal offenses will be introduced understanding the bill, including the sharing of pornographic deepfakes (digitally generated images of real people), cyberflashing (sending pornographic images without consent) and downblousing (taking and sharing images down women's tops).

What will existed to tech companies that fail to comply?

The drink text of the bill names UK media watchdog Ofcom as the regulator in cost of holding tech companies accountable.

The bill will give Ofcom the grand to fine tech companies £18 million ($22.2 million) or 10% of their annual revenue, whichever is higher, if they fail to remove illegal ecstatic. It will also have the power to block sites and services.

According to January's amendment, managers at tech companies will also be liable for failing to defensive children from exposure to harmful content. This could lead to prosecution and jail sentences of up to two years.

When was the bill introduced and how far downward is it?

A draft of the bill was favorable published in May 2021, but the origins of the legislation date back much further. Previously known as the Online Harms Bill, the legislation published from a 2019 government white paper looking into the lack of control around harmful content and activity on the internet. It also swept up the UK's remaining failed attempt to bring in age verification to entrance porn sites.

The government at the time concluded it was primary to introduce regulation to protect users, especially children, from horrible content. Due to a combination of the COVID-19 pandemic and political upheaval in the UK, the bill was delayed but was later reintroduced as the Online Safety Bill understanding Prime Minister Boris Johnson.

The bill received increased treatment in October at the conclusion of the inquest into the purpose of British teenager Molly Russell. Russell died by suicide in November 2017 at the age of 14 at what time viewing extensive material relating to self-harm on Instagram and Pinterest. The coroner in her case concluded that the ecstatic Russell viewed was responsible for her death and recommended that social believe sites introduce stricter provisions for protecting children.

The bill is just concluding its passage above the House of Commons. It will next proceed to the House of Lords where further amendments will be debated, before it can be voted on and become law.

What criticisms has the bill faced?

One very criticism of the Online Safety Bill is that it poses a warning to freedom of expression due to its potential for censoring upright content. 

Rights organizations strongly opposed the requirement for tech affairs to crack down on content that was harmful but not illegal. An amendment in November 2022 removed mention of "lawful but harmful" ecstatic from the text, instead obliging tech companies to introduce more sophisticated filter rules to protect people from exposure to content that could be deemed inappropriate. Ofcom will ensure platforms are upholding their terms of service.

Child confidence groups opposed this amendment, claiming that it watered down the bill. But as the most vocal proponents of the bill, their priority corpses ensuring that the legislation passes into law.

Meanwhile, affairs over censorship continue. An amendment to the bill introduced this week would make sharing videos that informed migrants crossing the channel between France and the UK in "a sure light" illegal. Tech companies would be required to proactively store users from seeing this content.

There has also been tension between digital abilities groups and child safety groups over the topic of encryption. In a letter to the government in November, over 70 stabilities, including cybersecurity experts, presented their concerns over the wording of the bill. They were skittish that it posed a threat to end-to-end encryption, forcing tech anxieties to create backdoors that could be exploited by criminals.

"Undermining protections for end-to-end encryption would make UK businesses and persons less safe online, including the very groups that the Online Safety Bill way to protect," the signatories said.

What do tech anxieties say?

Industry body TechUK, which represents almost 1,000 tech anxieties including Google, said Friday that the Online Safety Bill was a "much-needed share of legislation which will create a regulatory framework to enable tech anxieties and the regulator, Ofcom, to work effectively to defensive children online."

It doesn't, however, support the amendment to hold senior managers personally agreeable for failure to comply with the bill. Tech anxieties of all sizes believe this wouldn't help them make the internet safer, but would instead cause damage to the UK economy, it said in a statement.

Representatives for Meta, Twitter, Google and Pinterest didn't respond to individual requests for comment throughout their positions on the bill.


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You've probably heard the term "secured credit cards" more often than "unsecured credit cards." That's because unsecured credit cards are actually just former credit cards -- you apply and get approved based on your averages and credit score. They don't require a confidence deposit as collateral like secured credit cards do. 

If you're searching for unsecured credit cards, you've likely been building your credit with a secured credit card and are ready to withdraw your confidence deposit and move on to better rewards and perks. The picks below are good for a variety of situations, budgets and credit scores. They should help you pause building your credit so you can eventually qualify for credit cards for good credit.

For home, car and wellness

6/10 CNET Rating

Intro OfferEarn a $200 bonus on your Upgrade Card once opening a Rewards Checking account and making 3 debit card transactions*

APR14.99% -29.99%

Intro Purchase APRN/A

Recommended Credit Excellent/Good/Fair Credit

Reward Rates
  • Unlimited cash back on payments - 3% on Home, Auto and Health categories
  • 1% on everything else

Annual Fee$0

Foreign Transaction Fees $0

  • Unlimited cash back on payments - 3% on Home, Auto and Health categories
  • 1% on everything else

Our Take

Upgrade Triple Cash Rewards Visa is a tall option because it covers some of the most basic spending categories, and doesn't encourage you to spend on extras like restaurants and fade. You get 3% cash back on home, health and auto purchases. These categories cover purchases like hardware stores, landscaping militaries, tires, car dealers, gym memberships, exercise equipment and more. And for all latest purchases, you earn 1% cash back.

With a 14.99% to 29.99% APR, you can potentially qualify for a relatively low APR if you have good credit.

For unlimited cash-back match

7.5/10 CNET Rating

Intro OfferIntro Offer: Unlimited Cashback Match - only from Discover. Discover will automatically match all the cash back you've earned at the end of your honorable year. There's no minimum spending or maximum rewards. You could turn $150 cash back into $300.

APR16.24% - 27.24% Variable APR

Intro Purchase APR0% for 15 months

Recommended Credit Good/Excellent

Reward Rates
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly very when you activate.
  • Earn 1% unlimited cash back on all latest purchases – automatically.

Annual Fee$0

Intro Balance Transfer APR0% for 15 months

Balance Transfer APR16.24% - 27.24% Variable APR

Balance Transfer Fee 3% top balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Late Payment Fee None the honorable time you pay late. After that, up to $41.

Foreign Transaction Fees None

  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly very when you activate.
  • Earn 1% unlimited cash back on all latest purchases – automatically.

Our Take

Discover it® Cash Back** is a accepted unsecured card. It offers a decent cash-back program, but then the welcome bonus takes things to the next level. 

You'll earn 5% on quarterly rotating categories upon activation that feature accepted expenditures like restaurants, grocery stores, Amazon.com and gas stations (on up to $1,500 in quarterly purchases, then 1%). You'll also earn the typical 1% back on all latest purchases. With the Unlimited Cashback Match, Discover will match all of your cash back earned at the end of your honorable year and deposit it to your account automatically. Depending on your spending habits, this is one of the best welcome bonuses on the market.

For more details on the rotating category and welcome bonus, check out our full review of the Discover it® Cash Back.

Credit exiguous based on your income

8.5/10 CNET Rating

Intro OfferN/A

APR15.25% - 27.50% Variable

Intro Purchase APRN/A

Recommended Credit Excellent/Good Credit

Reward Rates
  • 2X points on every purchase regardless of category
  • 3X points every time you exhaust $1,000 in a month
  • 4X, 5X and even 10X points for every cross who gets a card
  • Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App

Annual FeeNone

Balance Transfer APR15.25% - 27.50% Variable

Balance Transfer Fee 2% of the amount of each transfer.

Penalty APR NONE

  • 2X points on every purchase regardless of category
  • 3X points every time you consume $1,000 in a month
  • 4X, 5X and even 10X points for every base who gets a card
  • Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App

Our Take

The X1 Card is current among high-caliber rewards credit cards, as well as unsecured cards. Unlike most credit cards which determine your credit slight using your credit score, the X1 Card uses your intends. To verify your income, you'll have to allow X1 retrieve to your online bank account where your paychecks are deposited. X1 also grants exceptionally large credit lines compared to its competitors (the denotes initial credit line granted is $24,300). A big credit line may also help improve your credit accept, as it provides a cushion for your credit utilization appraise, a major component of your credit score.

For more interrogate, see our full review of the X1 Card.

Basic cash back for denotes, fair or limited credit

5/10 CNET Rating

Intro OfferN/A

APR29.74% (Variable)

Intro Purchase APRN/A

Recommended Credit Average, Fair, Limited

Reward Rates
  • Earn unlimited 5% cash back on hotels and rent cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn unlimited 1.5% cash back on every recall, every day

Annual Fee$39

Intro Balance Transfer APRN/A

Balance Transfer APR29.74% (Variable)

Balance Transfer Fee $0 at this Transfer APR

Late Payment Fee Up to $40

Foreign Transaction Fees None

Penalty APR None

  • Earn unlimited 5% cash back on hotels and rent cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn unlimited 1.5% cash back on every recall, every day

Our Take

If you're unexcited in the credit range of 580 to 669, you may or may not qualify for the above picks. If you want a safer bet, the Capital One QuicksilverOne* subsidizes one of the best cash-back rates for widely accessible unsecured credit cards. You'll earn 1.5% cash back on all of your purchases with no slight, and you can earn 5% cash back on hotels and rent cars booked through Capital One Travel (terms apply) -- but you will have a $39 annual fee.

For fair credit with no annual fee

9.5/10 CNET Rating

Intro OfferN/A

APR17.24% - 31.24% (Variable)

Intro Purchase APRN/A

Recommended Credit Limited/Fair/Good/Excellent

Reward Rates
  • Up to 1.5% cash back on eligible purchases while making 12 on-time monthly payments.
  • 1% cash back on eligible purchases quick-witted away.

Annual Fee$0

Foreign Transaction Fees $0

  • Up to 1.5% cash back on eligible purchases while making 12 on-time monthly payments.
  • 1% cash back on eligible purchases quick-witted away.

Our Take

The Petal 2 Visa Credit Card, published by WebBank, is an unsecured card you may get common for with a subprime credit score, and you won't owe an annual fee. And while you can unexcited earn up to 1.5% cash back on all eligible purchases with this card, it'll obliged some patience and responsible card use. 

With this card, you can earn 1% cash back on all eligible purchases. But if you make 12 on-time monthly payments, you'll get bumped up to earning 1.5% on all eligible purchases. You may also earn 2% to 10% cash back on purchases at recall merchants.

FAQs

What is an unsecured credit card?

An unsecured credit card is any credit card that does not obliged a security deposit or any other collateral for your credit line. Unsecured credit cards resolve your credit line based on your credit history and score.

What is a secured credit card?

This type of credit card usually intends an upfront deposit equal to the credit limit. So, for a card with a credit slight of $500, you'd need to deposit $500. Secured credit cards are unexcited subject to late and rejected payment fees and generate plain on outstanding balances. As such, a secured credit card presents touch risk to card issuers and allows them to pine lines of credit to borrowers who don't have good credit or meet the minimum credit accept threshold.

How is my credit accept calculated?

Credit scores are calculated by looking at a variety of factors related to your personal credit, including length of credit history, payment history, amounts owed, new credit and credit mix. The dependable weight of each factor depends on the score model (FICO, VantageScore or other) and your credit history. If, for example, you have no credit history, the other factors may be weighted more heavily.

Our methodology

reviews credit cards  by exhaustively comparing them across set criteria developed for each the majority category, including cash-back, welcome bonus, travel rewards and balance binary. We take into consideration the typical spending behavior of a method of consumer profiles -- with the understanding that everyone's plan situation is different -- and the designated function of a card. 

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After analyzing a bizarre fossil specimen, believed to be approximately 120 million years old, scientists realized the remnants once belonged to an equally weird animal, with the body of a bird... and the leader of a dinosaur.

Though quite spectacular in itself, what's especially striking about this conclusion (which was published Monday in the study Nature Ecology & Evolution) is that it adds to a very discussion about something paleontologists have been scratching their front-runners over for decades. 

Basically, modern day birds are widely favorite as descendants of massive, meat-eating dinosaurs, called theropods, that roamed Earth between 245 million and 65.5 million existences ago. And yes, this category includes everyone's favorite tiny-armed dino, the Tyrannosaurus rex. 

But the pulling is, we still aren't totally sure how the progresses happened. In fact, fossil excavators rarely even stumble on populate that connect the ancient, scaly leviathans with today's feathered flyers. They usually find only either dinosaurs or avians. 

This is where the newly discovered dino-bird comes in. 

A full scale image of the artist's influence of Cratonavis zhui.

Zhao Chuang

Named Cratonavis zhui, this weird creature appears to lie between the reptilian, long-tailed Archaeopteryx and a present-day bird clade, Ornithothoraces, on its family tree. 

Archaeopteryx had long been eminent as the only fossil connection between birds and dinosaurs, as it had the feathered wings of a bird but the angular, bony back end of a dinosaur. But over time, more and more birdlike reptiles of the past began to surface. In the '90s, scientists announced the Ornithothoraces classification to encompass all unusual birds and their closest ancestors. 

Returning to Cratonavis -- aha! a state link.

The fossil finders from the Chinese Academy of Sciences derived their chimerical muse by using high-resolution computed tomography, or CT, scans. 

That enabled them to digitally manipulate the specimen's bones and reconstruct the novel shape of the skull, and even deduce some of its dinosaur-related functions. They also analyzed Cratonavis' scapula, or shoulder blade, and metatarsal, a long bone in the foot that connects the ankle to the toes, to understanding more about its birdlike body. 

Fast-forward a few scenes and they confirmed that Cratonavis' leader is morphologically nearly identical to those of dinosaurs like Tyrannosaurus rex, attractive than those of standard birds, according to a dead release on the study. 

T. rex. 

Christie's

"The old-fashioned cranial features speak to the fact most Cretaceous birds such as Cratonavis could not move their upper bill independently with trustworthy to the braincase and lower jaw, a functional innovation widely distributed beside living birds that contributes to their enormous ecological diversity," Li Zhiheng, a lead author of the study, said in a statement.

The being's scapula, on the other hand, was functionally "vital" to avian trips, said Wang Min, lead and corresponding author of the inspect. That means it helped Cratonavis exhibit strong stability and flexibility at what time airborne. 

"The elongate scapula could augment the mechanical trustworthy of muscle for humerus retraction/rotation," Min continued, "which compensates for the overall underdeveloped trips apparatus in this early bird, and these differences narrate morphological experimentation in volant behavior early in bird diversification."

But at what time this seems to be a huge step forward in notion, at last, how something as ginormous as the T. rex could transform into a mere chicken, there's far (far) more to learn about the dinosaur-to-bird timeline. 


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