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provide the remaining balance of $375,000. This is truly a win-win-win situation for all three parties. The lender has a fairly secure loan with only a 75 percent loan-to-value ratio, rather than the more common 80 percent; the seller has divested the property but retains a small interest in it; and the buyer is able to achieve a greater degree of leverage and therefore earn a higher rate of return on the invested capital. Although second-lien positions are the most common form of ownerfinancing arrangements, owners or sellers are not limited to just debt financing. They may be open to an equity agreement wherein they retain a small portion of ownership interest. Instead of being required to make monthly payments to the seller, the buyer and seller would now share in the profits of the newly formed entity. Depending on the specifics of the agreement, the original seller may also be entitled to a share of any capital gains when the property is sold again. Another form of owner financing is known as a wraparound mortgage. Under this arrangement, the seller retains title and continues to make mortgage payments to the lender, while the new owner makes mortgage payments directly to the seller. Wraparound mortgages are more common on smaller multifamily properties such as duplexes and fourplexes than on their larger counterparts. Be careful of any due-on-sale clauses in the deed of trust, which may expressly prohibit this type of financing arrangement. Lenders typically are not too fond of the transfer of ownership interests without their knowledge.

The message from Kevin and his attorney was very clear: this kind of thing is bad as it sends the wrong message and somehow makes it appear as if he s responsible for net chaos However, we have mixed feelings While doing something destructive in Kevin s name certainly won t help his case, we re not entirely sure that s what happened here The Times is not claiming that there was any destruction to their original page A glance at the many forums on the subject reveals that most people don t think the hack itself is a serious matter and that The Times had it coming, both for their lack of security and their apparent lack of journalistic integrity And most everyone began to express an interest in the Kevin Mitnick story On the wwwkevinmitnick.

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Note If you're used to object oriented programming, then you might find it useful to think of the difference between named templates and moded templates in terms of the difference between global functions and object methods. As with global functions, named templates are useful in a range of circumstances but they shouldn't really use information about a particular object unless that object is passed as an argument. Object methods, on the other hand, use information about an object and are inherited by related objects. You can think of the nodes in the source tree as objects, with moded templates providing methods on those objects.

high-tech goods which forces them to seek other suppliers 53 The government s experience in addressing encryption technology illustrates the impact of ineffective regulation on technology and industry Throughout the late 1990s, different export control policies relating to encryption technology were promulgated These policies were criticized for being unclear, unworkable, and hindering American competitiveness54 According to one export control lawyer, [T]he government s attempts to restrict transfers of encryption software were a major hindrance not only for technology companies, but also for mere users of encryption 55 In other cases, uncertainty regarding the scope and application of regulations could undermine national security If companies find loopholes in the regulations, nanoscale materials, devices, and systems that could be used for military purposes might wind up in the wrong hands The risks posed by underregulation of export controls are illustrated by tracing the origin of Iraq s military buildup.

Today, digital image transmission is widely used because of all the things that are easy to do with digital signal processing. Images with motion blurring, noise, poor focus or color can be enhanced or restored. Computer algorithms can recognize features such as tumors, ngerprints, and whole faces. Digital images, being bits, can be stored by general purpose media. Most compression algorithms are digital, so that fax and HDTV, which need compression to be practical, need to be digital

navigation. Under these situations, the role and/or existence of the QA team become tenuous and difficult to justify. Some projects may also implement QA standards that are difficult to enforce or standards that, if enforced, can have unintended effects. For instance, a QA standard that states that the execution of all test cases must have a success ratio of 95 percent or higher for firsttime execution on the surface appears highly desirable but also can cause the test team members to hide or sweep under the carpet potential defects because the testers are apprehensive to report defects that can compromise a quality metric of 95 percent success ratio. QA managers must develop QA initiatives to support the project s scope statement and must have the approval of a project committee. In order to roll out QA standards to project members, it is necessary to identify how the training will be provided for the standards, how standards will be enforced, how noncompliance with QA standards or deficiencies will be reported, and how corrective actions are applied to deliverables not conforming to QA standards.

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