Few household issues inspire as much quiet frustration as the slow-draining shower. What begins as a minor annoyance—standing in a shallow pool of water by the end of your rinse—quickly escalates into a hygiene hazard and a plumbing emergency. At the heart of this problem lies a humble but tenacious culprit: human hair. While seemingly benign, hair combines with soap scum, body oils, and mineral deposits to form a dense, rope-like clog that resists simple solutions. Understanding why this happens, how to prevent it, and the most effective methods for removal can save homeowners time, money, and the unpleasant chore of wielding a plumbing snake. The Science of the Clog Hair is uniquely suited to clog drains. Its rough outer cuticle layer acts like Velcro, catching on pipe joints, cross-shaped drain grates, and existing debris. As more hair accumulates, it creates a net that traps soap scum (insoluble fatty acids from soap reacting with hard water minerals) and sticky sebum from the skin. Over weeks, this mixture compresses into a fibrous, grayish mass that can reduce a 2-inch pipe to a pinhole. Shower drains are especially vulnerable because they lack the forceful water volume of a toilet and the organic breakdown of a kitchen sink. The result is the classic symptom: water that rises around your ankles before slowly receding. Prevention: The First and Easiest Step The most useful strategy is stopping hair before it enters the trap. A mesh drain screen or strainer —costing less than five dollars—captures nearly 100% of loose hairs. Models with suction cups stay in place, and silicone versions are easy to clean. Simply lift the screen after every two showers, wipe the collected hair into the trash (never down the sink), and replace. For those who dislike the visual, a hair catcher that sits flush inside the drain is a discrete alternative.
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Evaluating LGD:
S&P Global Market Intelligence's LGD scorecards are used to estimate LGD term structures. These Scorecards are judgment-driven and identify the PiT estimates of loss. The Scorecards are back-tested to evaluate their predictive power on over 2,000 defaulted bonds.
The Corporate, Insurance, Bank, and Sovereign LGD Scorecards are linked to our fundamental databases, meaning no information is required from users for all listed companies and for a large number of private companies.
Final LGD term structures are based on macroeconomic expectations for countries to which these issuers are exposed. Fundamental and macroeconomic data is provided by S&P Global Market Intelligence, but users can again easily utilize internal estimates.
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 Source: S&P Global Market Intelligence; for illustrative purposes only.
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Few household issues inspire as much quiet frustration as the slow-draining shower. What begins as a minor annoyance—standing in a shallow pool of water by the end of your rinse—quickly escalates into a hygiene hazard and a plumbing emergency. At the heart of this problem lies a humble but tenacious culprit: human hair. While seemingly benign, hair combines with soap scum, body oils, and mineral deposits to form a dense, rope-like clog that resists simple solutions. Understanding why this happens, how to prevent it, and the most effective methods for removal can save homeowners time, money, and the unpleasant chore of wielding a plumbing snake. The Science of the Clog Hair is uniquely suited to clog drains. Its rough outer cuticle layer acts like Velcro, catching on pipe joints, cross-shaped drain grates, and existing debris. As more hair accumulates, it creates a net that traps soap scum (insoluble fatty acids from soap reacting with hard water minerals) and sticky sebum from the skin. Over weeks, this mixture compresses into a fibrous, grayish mass that can reduce a 2-inch pipe to a pinhole. Shower drains are especially vulnerable because they lack the forceful water volume of a toilet and the organic breakdown of a kitchen sink. The result is the classic symptom: water that rises around your ankles before slowly receding. Prevention: The First and Easiest Step The most useful strategy is stopping hair before it enters the trap. A mesh drain screen or strainer —costing less than five dollars—captures nearly 100% of loose hairs. Models with suction cups stay in place, and silicone versions are easy to clean. Simply lift the screen after every two showers, wipe the collected hair into the trash (never down the sink), and replace. For those who dislike the visual, a hair catcher that sits flush inside the drain is a discrete alternative.
The team at S&P Global Market Intelligence specifically designed our IFRS 9 solutions to meet this requirement. To learn more about our robust, efficient, and transparent IFRS 9 offering
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