Termites are subterranean in general, eat cellulose such as wood, cardboard and the like.

What I did on my first few kitchen revamps was take a prop of some kind chalk or cardboard and draw physically on the floor my layout or tape it off to see how the flow is -- if there's enough walking room and etc. 

I did a scan around the room and then saw this:a random cardboard cut-out of idk who lol.

Although, a better example of vertical integration would be when a paper recycler, a paper manufacturer who uses recycled paper, and a cardboard box maker who buys rolls of paper to make cardboard, are all owned by the same company.The opposite also occurs during the not so good times.

If the borrower defaults, the issuer can seize the collateral, but cannot seek out the borrower for any further compensation, even if the collateral does not cover the full value of the defaulted amount.

So a squatter in a cardboard box can claim ownership after only 6 months, it causes all kinds of title problems.   

I always ask them if they eat cardboard sandwiches.One lady screamed in the phone, "I get food stamps, stupid!"

And therein lies the issue, RE financing is unique by terms, collateral, applicable laws and servicing.

I use a piece of cardboard with a small rectangle cut in it if just touching up wall paint.

Unfortunately, these 'service dogs' are often not trained in any manner..as the animal was running around bothering patrons and begging for their food and getting underfoot.The store owner asked him to take the dog outside and it turned into a big issue, really bad press about a store owner who 'hates' vets and the disabled, news cameras and write-ups in the paper, lawsuit..etc..