the thing is...the library tools are this: tools to use and supports games you own. I just can't understand why some of them are for games I don't own too, so I just ignore them But, may be somebody can answer that for us.
RefWorks is an Internet-based research records management service that facilitates the collection and management of citations to articles, books, web pages and many other types of sources. RefWorks is licensed by the University of Cincinnati Libraries and is available at no cost to all students, faculty and staff.
Refinancing refers to paying off your mortgage (or mortgages) with a new mortgage, sometimes to take advantage of a lower interest rate or to take out a new mortgage that is larger than the balance of the previous mortgage in order to use that difference to finance home improvements or pay off loans that have higher interest rates.