All water-based paints are frequently referred to as "latex" instead of "water-based" although this is incorrect.The term "enamel" refers to a hard, glass-based substance applied as a glaze and fired in some kind of furnace, oven, or kiln.

(Indelible, I should think.)Sorry ... having trouble getting the picture in my mind.It may be some other substance ...Hi David.

Property insurance excludes such substances.  

Most recently overseeing the operations of an organization that provides sober living to those seeking recovery from substance use disorder.

The foam on top may look appealing, but the substance is maybe hidden a bit lower in the glass ;)

This is of course just my opinion...but several of your discussion points like being able to lock the rate on a balance and obtaining a lower interest rate seem to overlook the substance that this is a revolving product so treat it like one.

That was the catch, not the substance.  

Padsplit residents can cause problems with neighbors and other residents because many have substance abuse and/or criminal histories.

I'm debating if to start with them because I've been trying to do my own research but I'm not finding anything with substance to actual help me start. 

Coffee maybe, or other substance of your choice.