Virtually all understand and most had never even considered the reasoning behind it. 

Some of them also give you a virtual US number which is super useful to supply to US contacts in order to reach you.

All three have major universities that anchored them, and Madison is also a state capitol.  5.  

I've heard from several investors that banks virtually never exercise this clause and demand full payment. 

Last year, I graduated from Hope International University with a Church Ministry degree.

I also work part-time at the Panda Express on University in Urbana and wonder if that might be a possibility for the future meetups?

Here’s one from the Journal of American Veterinarian Medical Assc (that’s an academic journal, found in university libraries as well as online through PubMed or other databases) that says irresponsible owners were the primary cause of dog bites over a decade long period:https://www.ncbi.nlm.nih.gov/pubmed/24299544Put on a helmet if you’re prone to falling.

My town has a 25k population and has a university with about 25k (undergrad, grad school, and other programs).

I played college football at Colorado State University as a Long Snapper.

(get a decent starter near a college or university)  Once you have over 50% of the house paid off in mortgage and you've done some decent renos.... refinance that and pick up another... rinse and repeat until life circumstances tell you otherwise... at 35 I started my family.. that was my last reno... and picked up a turn key unit for my family and now purchase fixers and rental units.