Balsam of Peru comes from the trunk of a tree grown in Central and South America. It is a natural resinous balsam that contains a mix of a number of substances that are related to Cinnamon, Vanilla and Clove fragrance and flavourings.
In the 38 states with either a four-year term or a 2-4-4 term, 27 states have staggered elections so that approximately half of state senate seats are up for re-election during the state's general elections that take place every two years.
In the United States, the standard mortgage term is 30 years, although many mortgages are set at 15 years. The high cost of homeownership, however, has discouraged many people from buying or entering the market.