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American Express is one of the well-known card providers that offer low APR. The introductory is 0% APR up to 15 months on some cards, and includes low balance transfer APR. The transfer is 3.99% fixed rates for life on few American Express cards. Few cards offer free reward programs enabling the cardholder to earn points and redeem the points for products, travel, hotels and so forth. Many of the cards offered have no annual fees. More at American Express and Credit Cards
Embroidery is the handicraft of decorating fabric or other materials with needle and thread or yarn. Embroidery may also incorporate other materials such as metal strips, pearls, beads, quills, and sequins. Embroidery is most often used on caps, hats, coats, blankets, dress shirts, denim, stockings, and golf shirts. Embroidery is available with a wide variety of thread or yarn color.
An interesting characteristic of embroidery is that the basic techniques or stitches on surviving examples of the earliest embroidery—chain stitch, buttonhole or blanket stitch, running stitch, satin stitch, cross stitch—remain the fundamental techniques of hand embroidery today.
Machine embroidery, which arose in the early stages of the Industrial Revolution, mimics hand embroidery, especially in the use of chain stitches, but the "satin stitch" and hemming stitches of machine work rely on the use of multiple threads and resemble hand work in their appearance but not their construction.
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