With a background in financial journalism across national titles, Ruby loves helping people take control of their money and specialises in pensions, tax, banking and benefits. This calculator will ...

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We calculate this based on a simple income multiple, but, in reality, it's much more complex. When you apply for a mortgage, lenders calculate how much they'll lend based on both your income and your ...

The fetal lung is exposed to an abrupt increase in ambient oxygen tension at the time of birth. This results in oxidative stress in infants soon after birth (1,2). Factors such as free radical ...