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Not strictly a "new user" welcome (more like, a "don't go" template, or "welcome to independent editing"), retention templates are geared towards editor retention, that is, keeping editors active at Wikipedia who might otherwise leave.
Some phatic greetings are only used in writings such as letters, e-mails and speeches read aloud: Kære 'dear' followed by a name is a formalised way of beginning a letter, speech etc. [15] Ways to end a letter or e-mail include hilsen 'greeting', (med) venlig hilsen '(with) friendly greeting', sometimes abbreviated to (m)vh.
The principal's speech is followed by the head of the PTA. At junior high school an underclassmen may give a speech thanking the graduating students for things like being good senpai. And this is followed by a student speech from the student president. Students may give set group speeches, as if a dialogue between the lower class and upper class.
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1838: The "Divinity School Address", a speech Ralph Waldo Emerson gave to the graduating class of Harvard Divinity School. 1851: Ain't I A Woman?, extemporaneously delivered by abolitionist Sojourner Truth at a Women's Convention in Akron, Ohio.
Simple interest refers to the interest you earn on your principal balance only. Let's say you invest $10,000 into an account that pays 3% in simple interest. After three years, you’d have earned ...