How to apply Builder gel in a bottle

Builder in a Bottle - A Hard Gel System in a Bottle, with the strength you expect from a Gel System. Builder In A Bottle is a LED and UV curable hard gel system that you can use to extend the nail, natural nail overlays and more.

NATURAL NAIL PREP

1. Spray your hands and clients’ hands with Purify and gently massage. Push back the cuticle and gently remove shine with a Endurance 180/240 Grit Buffer. Using a Nail Wipe saturated with Nailpure Plus. Press and rub into natural nail.
2. If extensions are desired, adhere the tip or fit form at this time.
3. Apply Essential Bond to the natural nail. Remove the brush from the bottle and wipe along the edge of the bottle, then brush onto two natural nails. Re-dip the brush and repeat the process until the nails are coated. Allow to dry for one minute. They will not appear chalky white.
4. Before you begin sculpting your enhancement, apply an even layer of Essential Base Coat, this thin layer will ensure that proper bonding and adhesion will occur for the subsequent layers. Cure in Dual Cure Lamp, LED for 30 seconds or UV for 2 minutes.

NATURAL NAIL OVERLAY OR TIP & OVERLAY

1. After proper nail prep, open your Builder in a Bottle (your choice of color) and brush down the gel onto the nail plate. Place the gel near the cuticle line, allowing room for your margin, and pull product forward towards the free edge. Be sure to cover the body of the nail with a thin even coverage of the gel. Cure in the Dual Cure Lamp, LED for 60 seconds or UV for 2 minutes.
2. Do not remove the tacky dispersion layer. Check the nail from all angles to ensure proper apex placement. Apply another thin layer of Builder in a Bottle to the upper arch. This will ensure a strong nail and reinforce the structure of the enhancement. Cure in the Dual Cure Lamp, LED for 60 seconds or UV for 2 minutes. Use a Nail Wipe saturated with Cleanse to remove the tacky dispersion layer.
3. Refine file using your Endurance 180/240 Grit Buffer. Check for proper design and apex placement. File the nail so it is smooth, balanced and attractive following the curvature of the nail. Remove excess dust with your Plush Brush. Use a Nail Wipe saturated with Cleanse to remove any dust that may be hiding in the side walls.
4. Apply a Top Coat and cure in the Dual Cure Lamp, LED for 30 seconds or UV for 2 minutes. Condition the cuticle and surrounding skin with Nurture Oil.

SCULPT (TIP OR FORM)

1. After proper nail prep, open your Builder in a Bottle (your choice of color) and brush down the gel onto the nail plate. Place the gel near the cuticle line, allowing room for your margin, and pull product forward towards the free edge. Stretch the gel to pull over tip or form to create extension. Be sure to cover the body of the nail with a thin even coverage of the gel. Cure in the Dual Cure Lamp, LED for 60 seconds or UV for 2 minutes.
2. Do not remove the tacky dispersion layer. Apply a second thin coat of Builder in a Bottle. Be sure to cover the body of the enhancement with a thin even coverage of the gel. Cure in the Dual Cure Lamp, LED for 60 seconds or UV for 2 minutes.
3. Do not remove the tacky dispersion layer. Check the nail from all angles to ensure proper apex placement. To reinforce the structure of the enhancement, you will need to apply a layer of Builder in a Bottle to the upper arch. Cure in the Dual Cure Lamp, LED for 60 seconds or UV for 2 minutes. Use a Nail Wipe saturated with Cleanse to remove the tacky dispersion layer.
4. Refine file using your Endurance 180/180 Grit File. Check for proper design and apex placement. File the nail so it is smooth, balanced and attractive following the curvature of the nail. Remove excess dust with your Plush Brush. Use a Nail Wipe saturated with Cleanse to remove any dust that may be hiding in the side walls. 5. Apply Color or a design, or finish the nail with your choice of top coat. Condition the cuticle and surrounding skin with Nurture Oil.

APPLICATION OF GEL POLISH

1. Choose the Gel Polish that you would like to apply to your finished enhancement. Be sure to shake well before using.
2. Apply a thin layer of Gel Polish to your enhancement surface. Brush down in a nail polish like stroke. Ensure to coat nail evenly. Cure in your Dual Cure Lamp, LED for 30 sec LED or UV for 2 minutes.
3. Repeat color application for more opaque coverage.
4. Apply a Top Coat to the entire surface. Cure in the Dual Cure Lamp, LED for 30 seconds or UV for 2 minutes. Remove the tacky dispersion layer using a Nail Wipe saturated with Cleanse. Condition the cuticle and surrounding skin with Nurture Oil.

The number of American households that were unbanked last year dropped to its lowest level since 2009, a dip due in part to people opening accounts to receive financial assistance during the pandemic, a new report says.  

Roughly 4.5% of U.S. households – or 5.9 million – didn't have a checking or savings account with a bank or credit union in 2021, a record low, according to the Federal Deposit Insurance Corporation's most recent survey of unbanked and underbanked households. 

Roughly 45% of households that received a stimulus payment, jobless benefits or other government assistance after the start of the pandemic in March, 2020 said those funds helped compel them to open an account, according to the biennial report which has been conducted since 2009.

"Safe and affordable bank accounts provide a way to bring more Americans into the banking system and will continue to play an important role in advancing economic inclusion for all Americans,'' FDIC acting chairman Martin J. Gruenberg said in a statement.  

A lack of banking options delayed some households from getting federal payments aimed at helping the country weather the economic fallout from the COVID-19 health crisis.

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The FDIC initiated an educational campaign to get more Americans to open an account to enable the direct deposit of those funds. And banks such as Capital One and Ally Financial ended  overdraft and other fees that have been a key barrier to some Americans accessing the banking system. 

What does it mean to be unbanked?

A household is deemed unbanked when no one in the home has an account with a bank or credit union. That share of households has dropped by nearly half since 2009. And since 2011, when 8% of U.S. households were unbanked, the highest since the start of the survey, and the record low reached in 2021, roughly half of the drop was due to a shift in the financial circumstances of American households the FDIC says.

Who are the underbanked?

Those who have a checking or savings account, but also use financial alternatives like check cashing services are considered underbanked. The underbanked represented 14% of U.S. households, or 18.7 million, last year.   

Why are people unbanked or underbanked?

Many of those who are unbanked say they can't afford to have an account because of the fees for insufficient funds and overdrafts that are tacked on when account balances fall short. Roughly 29% said fees or not having the required minimum balance were the primary reasons they didn't have a checking or savings account, as compared to 38% who cited those obstacles in 2019.

Are some groups more likely to be unbanked? 

The numbers of the unbanked were greater among households that included those who were working age and disabled, lower income, included a single mother, or were Black or Hispanic. Among white households for instance, 2% didn't have a bank account last year as compared to 11% and 9% of their Black and Hispanic counterparts.

Meanwhile, nearly 15% of households with a working age member who had a disability were unbanked compared to almost 4% of other households. And  nearly 16% of households with a single mother were unbanked as compared to about 2% of married couples who lacked an account. 

 "These gaps attest there's still a lot of opportunity to expand participation across the population in the banking system,'' Keith Ernst, Associate Director of Consumer Research and Examination Analytics at the FDIC, said during a media call about the report.            

Will the number of unbanked rise if the U.S. has a recession? 

Perhaps.

"During the last recession unbanked rates did indeed go up,'' Karyen Chu, chief of the Banking Research Section at the Center for Financial Research, said during the call. 

Additionally, last year, homes where the head of household was out of work were nearly five times more likely to not have a bank account as compared to those where the household head was employed.

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"To the extent that income goes down ... that has generally been associated with increases in unbanked rates,’’ Chu said. 

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