Pointer and Pith

noun

• A mark to indicate a direction or relation.
  • synonyms: arrow
• An indicator as on a dial.
• Computer science) indicator consisting of a movable spot of light (an icon) on a visual display; moving it allows the user to point to commands or screen positions.
  • synonyms: cursor
• A strong slender smooth-haired dog of Spanish origin having a white coat with brown or black patches; scents out and points to game.
  • synonyms: Spanish pointer

• (n.) The two stars (Merak and Dubhe) in the Great Bear, the line between which points nearly in the direction of the north star.
• (n.) One who or that which, points.
• (n.) The hand of a timepiece.
• (n.) Diagonal braces sometimes fixed across the hold.
• (n.) One of a breed of dogs trained to stop at scent of game, and with the nose point it out to sportsmen.

noun

• Soft spongelike central cylinder of the stems of most flowering plants.
• The choicest or most essential or most vital part of some idea or experience.
  • usage: "the gist of the prosecutor's argument"; "the heart and soul of the Republican Party"; "the nub of the story"
  • synonyms: kernel, substance, core, center, centre, essence, gist, heart, heart and soul, inwardness, marrow, meat, nub, sum, nitty-gritty

verb

• Remove the pith from (a plant. ).

• (n.) The spinal cord; the marrow.
• (v.t.) To destroy the central nervous system of (an animal, as a frog), as by passing a stout wire or needle up and down the vertebral canal.
• (n.) The spongy interior substance of a feather.
• (n.) Hence: The which contains the strength of life; the vital or essential part; concentrated force; vigor; strength; importance; as, the speech lacked pith.
• (n.) The soft spongy substance in the center of the stems of many plants and trees, especially those of the dicotyledonous or exogenous classes. It consists of cellular tissue.

Principal, Interest, Taxes, Heating and half of Condo Fees, if applicable. Otherwise known as your "shelter expenses". This is a basic component of the ratios used to determine whether or not you qualify.