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quasi-government agencies prefer A and B paper, not C and certainly not D. Also consider going to a mortgage banker that doesn t necessarily sell all of its mortgages in the secondary market. A lender that keeps some of its mortgages, or sells them to private investors, is likely to be more lenient. If one lender turns you down after charging you a $300 application fee, what should you do Consult a second and even a third. You may even be able to avoid the fee. Tell the lender that you ve been turned down, and ask for a preliminary review before you re assessed an application fee. Still, don t get discouraged easily. All too often, consumers will make one or two calls to mortgage bankers, f ind that they don t qualify, and then give up, says Thomas A. Lamparillo, executive vice president of First National Funding Corporation of America in Hasbrouck Heights, New Jersey. We ve found that these customers are very appreciative of how we ve helped them improve their f inancial standing. Sometimes all they need is a sympathetic ear and a resourceful mortgage banker. KNOW YOUR As, Bs, Cs, AND Ds Mortgage applicants might be classif ied A (best) or D (worst). The higher the grade, the lower the interest rate and the bigger the portion of the purchase price that can be ref inanced. An A-rated applicant might obtain a mortgage covering 95 or 97 percent of the value of a house, and thus have to put only 3 percent or 5 percent down. If mortgage rates are around 9 percent, an A-rated applicant might pay 8.25 percent (Table 3.1).

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u Distributed objects have to rely on networks to be able to communicate with each other. The message traffic on these networks can be eavesdropped on and tampered with by non-authorized third parties. The construction of trustworthy distributed object systems therefore demands that message traffic is secured against such attacks and that infiltration of distributed object systems by attackers is prevented. E ncryption techniques are used to prevent eavesdropping and message tampering. Public or secret keymethods are used to encrypt a marshalled object request before it is transmitted using an insecure network. The distribution of public or secret keys is achieved by a trusted key distribution service which implements a key distribution protocol. The Needham/Schroeder protocol is such a protocol. E ncryption is also used for authentication. Authentication establishes the evidence that principals are who they claim to be. It can be achieved by demonstrating that the principal possesses a key, which can then be seen as evidence that the principal is authorized to perform certain operations. Access control is based on authentication. Middleware associate credentials with principals during authentication. These credentials determine the rights or privileges that have been granted to the principal to use the distributed object system. Administrators then assign the required rights to operations of objects or object types and the access control of the middleware ensures that only those principals who possess sufficient access rights can execute these operations. N on-repudiation is concerned with the generation of irrefutable evidence that principals have requested certain operations or that servers have received these

Jarrow and Turnbull (1995)

Notwithstanding the presence of these standard exceptions, the intended recipient should seek as clear and narrow as possible a description of the information to be disclosed. Finally, there should be a time limit on the obligation. Ideally, it should expire when the information to be conveyed has become stale. Commonly, confidential disclosure agreements have terms not exceeding three years. See Appendix C for a sample Nondisclosure Agreement.

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C.3.6.3 ENU=ECEF Coordinates The unit vectors in local east, north, and up directions, as expressed in ECEF Cartesian coordinates, will be

Of course (P VC) is really the gross pro t per unit. To calculate the break-even volume, we divide the xed costs by the difference between the price and the variable cost per unit. If we wished to know the minimum price at which all the output was sold and covered all costs, i.e. the break-even price point, the formula is calculated as follows: We know that at the break-even point:

Michael Scott and Rana Sampson, Building a Body of Knowledge: The Problem-Oriented Guides for Police, Subject To Debate, newsletter of The Police Executive Research Forum 16, no. 4 (April 2002), 1. Chet Epperson, The Riddle Of The 1990 s Crime Decline, book review of The Crime Drop in America (Cambridge Studies Iin Criminology), by Alfred Blumstein and Joel Wallman (eds.) (Cambridge, U.K.: Cambridge University Press, 2000), in Law Enforcement News 28, no. 573, 574 (March 15 31, 2002), 15. Reprinted with permission of Law Enforcement News (New York: John Jay College of Criminal Justice, 2002). Times (March 7, 2002), G-7.

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Wagstaff, G. (1984). The enhancement of witness memory by hypnosis: A review and methodological critique of the experimental literature. British Journal of Experimental and Clinical Hypnosis, 2 (1), 3 12. Webb, E.J., Campbell, D.T., Schwartz, R.D. and Sechrest, L. (1966). Unobtrusive measures: Non-reactive research in the social sciences. Chicago: Rand McNally. Wilson, A. and Donald, I. (1999). Ram raiding: Criminals working in groups. In D.V. Canter and L.J. Alison (eds), The social psychology of crime: Teams, groups, networks. Offender Pro ling Series, Vol III. Aldershot: Ashgate.

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