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Each BUDGET must be composed of one or more BUDGET ITEMs, which store the details of exactly what is being budgeted. The amount attribute defines the total amount of funds required for the item within the time period. The purpose attribute identifies why the items are needed, and the justification attribute describes why the budgeted amount of money should be expended. Each BUDGET ITEM is described by a BUDGET ITEM TYPE so that common budget item descriptions can be reused. BUDGET ITEMs may be comprised of other BUDGET ITEMs via the recursive relationship around BUDGET ITEM. Table 8.8 provides two simple examples of budget items within the budgets described in the previous section.

All lenders have established criteria for making loan decisions, referred to as underwriting guidelines. These guidelines form the basis for all decisions made to either approve or decline a loan applicant s request. They are, in essence, the lender s bible; loans under review must conform to them before being approved. Underwriting guidelines include items such as the loan-tovalue (LTV) ratio, the debt service coverage ratio (DSCR), the size and term of the loan, and information about the subject property.

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described in the DSM-IV-TR (APA, 2000) as sustained full remission, which reflects disease-model language, and this period of sustained remission is described as a period of abstinence that last greater than one year Treatment centers frequently use the DSM-IV-TR to diagnose their clients, but generally do not use this strict definition of sustained full remission to determine when treatment should end and aftercare should begin Instead, counselors in Minnesota-model treatment facilities often use clinical judgment to determine whether there has been a stable, sustained period of abstinence to decide when a client is ready to graduate from treatment and move into aftercare In addition, treatment plans are used to ascertain when a client is ready to enter aftercare Significant progress on a majority of treatment-plan goals and problem areas provides further evidence that the client may be ready for aftercare.

PLENARY SESSIONS In March, July, and November of each year, all the subgroups of LMSC meet together at one location. These plenary sessions are scheduled 1 2 years ahead and are attended by about 1500 people. For information about upcoming sessions, visit the 802 web site at www.ieee802.org. You can contact the plenary session planners, via E-mail at 802info@ieee.org. Pre-registration by credit card is offered to help reduce the wait for registration at the session. A registration fee is collected for each person, and helps cover the cost of the session (document copies, wireless and wired LAN,

Finally, and sometimes unfortunately, financial considerations sometimes weigh into the decision to move a client into aftercare If the client s insurance company insists, or if the client can no longer afford the cost of formal treatment, then aftercare becomes a logical choice, even if the placement seems premature Counselors understandably tend to be conservative when making the decision to discharge a client from treatment to aftercare, so a decision like this can seem ill advised Thankfully, there are many occasions when moving a client into aftercare ends up being helpful over the long term even if it seems premature at the time In a behavioral model of recovery, the client s goals for therapy are used to determine whether tapering psychotherapy is recommended Many times the client s goals will include abstinence, but not always.

When the client s goals have been met to the satisfaction of both the therapist and the client, then a recommendation is made to begin to space out the individual psychotherapy sessions gradually The rationale for this process (to encourage generalization of skills and development of self-efficacy) is explained to the client If therapy has been conducted weekly, then the therapist may recommend going to biweekly sessions for a month, followed by once-a-month sessions, and maybe eventually extended out to one session three months later, then one last booster session 6 months out to check on the client s progress In psychotherapy, this process of gradually tapering the number of sessions toward extinction is the functional equivalent of an aftercare program..

(iii) links, forms and menus with document scope; (iv) links, forms and menus with document scope in the application root; (v) platform grammars, if any.

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