Fees That Are Non-Negotiable: 1  Title Fees: There are title fees associated with every loan that is closed, whether itâs an attorney or a title company. 2  But, you can shop around for title companies to see who has the cheapest fees. 3  Generally, they donât differ too much.
Orb (optics) A single orb in the center of the photo, at the person's knee level. In photography, an orb is a typically circular artifact on an image, created as a result of flash photography illuminating a mote of dust or other particle. Orbs are especially common with modern compact and ultra-compact digital cameras.
I've also found statements attempting to debunk the evidence that orbs are caused by the flash reflecting from dust outside the depth of field. These claims are based on multiple successive photographs taken immediately one after the other, where an orb appears in one but not in the others.