You may receive faster approvals on your car financing if your debt to income ratio does not exceed 40%. Additionally, get rid of your previous loans or debt because when a lender calculates your debt to income ratio, they may include the amount of the current auto loan along with the car insurance. Additionally, the researchers warn that this study should not be interpreted as a green light for a chocolate binge. Researchers were interested in monitoring these abnormalities, termed endothelial dysfunction, in smokers. That could be attributed to rises in levels of a chemical called nitric oxide in the blood, according to the researchers. Laparoscopy uses an instrument called a laparoscope to look at the abdominal organs. The benefit may stem from antioxidants called flavonoids that are found in chocolate as well as fruits and vegetables. In fact, defying the body's urge to sleep at this time could be bad for your health: One intensive Greek study of almost 24,000 men and women over six years found that those who took a 30-minute siesta at least three times a week had a 37 per cent lower risk of a heart-related death than non-nappers!