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From a chemistry perspective, it's all about the molecular structure. Traditional soaps are carboxylate salts with a charged head and hydrocarbon tail. Detergents often have sulfonate groups or other charged heads that are less likely to bind with metal ions. Also, modern detergents contain enzymes that break down protein-based stains (like blood or egg) and whitening agents that soaps lack. If you're interested in the science behind this, the American Cleaning Institute has some great educational resources.

Think of TER as the "maintenance cost" of your mutual fund investment. It's crucial because it directly impacts your returns over time. A 1% difference in TER might not seem like much, but over 20 years, it can reduce your final corpus by 15-20% due to compounding! Always check the TER in the fund's fact sheet. Index funds typically have lower TERs (0.1-0.5%) since they're passively managed, while actively managed funds have higher TERs (1-2%) because you're paying for the fund manager's expertise. The SEBI website has detailed guidelines on how TER is calculated if you want the regulatory perspective.

CR7's 2018 departure from Real Madrid to Juventus was shocking, but several factors contributed: Financial issues - He felt underpaid compared to other top players (Messi, Neymar) Promise broken - Florentino Perez reportedly promised a new contract but delayed Tax problems - Ronaldo had legal issues with Spanish authorities and felt the club didn't support him enough New challenge - After winning 4 Champions League titles with Madrid, he wanted a fresh challengeThe transfer fee was €100 million, and he was 33 at the time. Many Madrid fans were heartbroken - he'd scored 450 goals in 438 games for them! In interviews since, he's mentioned feeling "not valued" by the club leadership despite his incredible contributions.