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ADHESIVES

An adhesive is a compound that adheres or bonds two items together. Adhesives may come from either natural or synthetic sources. Some modern adhesives are extremely strong, and are becoming increasingly important in modern construction and industry.

AGE DISCRIMINATION

Ageism is bias against a person or group on the grounds of age. When that bias is the primary motivation behind acts of discrimination against that person or group, then those acts constitute age discrimination.

APPRAISAL / VALUATION

The appraisal value is the value of a company based on a projection of future cashflows that its owners will receive from the company's assets as well as from its current and future operations. The appraisal value is often used to measure the financial performance of insurance companies. It is also a useful tool in measuring the viability of new ventures.

AUCTIONS AND E-COMMERCE

An auction is the process of buying and selling things by offering them up for bid, taking bids, and then selling the item to the highest bidder. Auctioning can be traced as far back as 500 B.C.[1] In economic theory, an auction is a method for determining the value of a commodity that has an undetermined or variable price. Auctions can be with reserve or minimum, or without minimums, or absolute or no reserve. In reserve auctions, there is a minimum bid or reserve price; if the bidding does not reach the minimum, there is no sale (but the person who puts the item up for auction may still owe a fee to the auctioneer or auction company). In absolute or no reserve auctions, the sale is guaranteed, with only the price left to be determined. In the context of auctions, a bid is an offered price.

BANK COMPLIANCE

Compliance requirements are a series of directives established by United States federal government agencies that summarize hundreds of federal laws and regulations applicable to Federal assistance. Bank regulations are a form of government regulation which subject banks to certain requirements, restrictions and guidelines, aiming to uphold the soundness and integrity of the financial system. A bank is an institution that provides financial service, particularly taking deposits and extending credit.

BANKING

A bank is an institution that provides financial service, particularly taking deposits and extending credit.

BANKING REGULATION

Bank regulations are a form of government regulation which subject banks to certain requirements, restrictions and guidelines, aiming to uphold the soundness and integrity of the financial system. A bank is an institution that provides financial service, particularly taking deposits and extending credit.

BRANDING

Branding may refer to any of: the imprinting of brand marks on live skin, see Livestock branding, Branding persons and Branding (law). a marketing technique, see Brand. a permanent label or warning, such as a title brand affixed to the registration papers of a potentially defective vehicle.

CARBON MONOXIDE EMISSIONS

Carbon monoxide, chemical formula CO, is a colorless, odorless, tasteless, flammable and highly toxic gas. It is a major product of the incomplete combustion of carbon and carbon-containing compounds. It is less dense than air under ordinary conditions, however it accumulates on the ground, meaning that if poisoning causes loss of consciousness the amount of carbon monoxide inhaled increases and so fatality is radically increased. It is very slightly soluble in water and burns in air with a characteristic blue flame, producing carbon dioxide; it is a component of producer gas and water gas, which are widely used artificial fuels. It is a reducing agent, removing oxygen from many compounds and is used in the reduction of metals, e.g., iron , from their ores. At high pressures and elevated temperatures it reacts with hydrogen in the presence of a catalyst to form methanol. Carbon monoxide is formed by combustion of carbon in oxygen at high temperatures when there is an excess of carbon. It is also formed with a byproduct oxygen by decomposition of carbon dioxide at very high temperatures (above 2,000 °C). It is present in the exhaust of internal-combustion engines, often the exhaust of automobiles, and is generated in coal stoves, furnaces, and gas appliances that do not get enough air. This may be due to insufficient ventilation or other reasons.

CASINOS / GAMBLING

A casino is a building that accommodates certain types of gambling activities. Casinos are often placed near or combined with hotels, restaurants, retail shopping and other vacation attractions to encourage long stays. Some casinos are known for hosting live entertainment events, such as concerts and sporting events, especially boxing.

CEMENT / CONCRETE

Cement is a material for bonding stone or brick. The term cement is most commonly used to refer more specifically to powdered materials which develop strong adhesive qualities when combined with water. These materials are more properly known as hydraulic cements. Hydraulic limes, natural pozzolana and Portland cements are the more common hydraulic cements, with portland cement being the most important in construction. Gypsum plaster and common lime are not hydraulic cements. Cement is an important ingredient in concrete.

CHECK KITING

Check kiting is any sort of fraud that involves drawing out money from a bank account that does not have sufficient funds to cover the check. It is typically achieved by taking advantage of the float, the time between the negotiation of the check and its clearance at the check-writer's bank. This fraud is also known as paper hanging and carries a heavier pejorative connotation. Before the passage of the Check Clearing for the 21st Century Act, when checks could take 3 or more days to clear, playing the float was fairly common practice in otherwise-honest low-income families who encountered emergencies right before payday.

CHEMICALS / ELEMENTS

A chemical element, often called simply element, is a chemical substance that cannot be divided or changed into other chemical substances by any ordinary chemical technique. The smallest unit of this kind of chemical substances is an atom, and the term "atom" is typically used to refer to atoms of particular elements. An element is a class of substances that contain the same number of protons in all its atoms. Chemicals are made from Chemical Elements.

CHEMISTRY

Chemistry (derived from alchemy) is the science of matter at or near the atomic scale. In this pursuit chemistry deals with the properties of such matter, the tranformations of matter and the interactions of matter with other matter and with energy.

CIVIL RIGHTS - EQUAL RIGHTS

Civil rights are the protections and privileges of personal liberty given to all citizens by law. Civil rights are distinguished from "human rights" or "natural rights"; civil rights are rights that are bestowed by nations on those within their territorial boundaries, while natural or human rights are rights that many scholars claim ought to belong to all people. For example, the philosopher John Locke (1632-1704) argued that the natural rights of life, liberty, and property should be converted into civil rights and protected by the sovereign state as an aspect of the social contract. Others have argued that people acquire rights as an inalienable gift from a god or at a time of nature before governments were formed.

CLAIMS

A claim is a legal action to obtain money, property or the enforcement of a right protected by law against another party.

Individuals and businesses purchase insurance policies to protect against monetary losses. In the event of a loss, policyholders submit claims, or requests for payment, seeking compensation for their loss. Adjusters, appraisers, examiners, and investigators work primarily for property and casualty insurance companies, for whom they handle a wide variety of claims alleging property damage, liability, or bodily injury. Their main role is to investigate the claims, negotiate settlements, and authorize payments to claimants, all the while mindful not to violate the claimant’s rights under Federal and State privacy laws. They must determine whether the customer’s insurance policy covers the loss and how much of the loss should be paid to the claimant. Although many adjusters, appraisers, examiners, and investigators have overlapping functions and may even perform the same job, the insurance industry generally assigns specific roles to each of these claims workers.

CLASS ACTION MANAGEMENT (FOREIGN and DOMESTIC)

In law, the class action is a procedural device used in litigation to determine the rights of and remedies, if any, for large numbers of people whose cases involve common questions of law and fact

COATINGS

A coating is a covering that is applied to an object to protect it or change its appearance. They may be applied as liquids, gases or solids. Examples of coatings: Anodizing Chemical vapor deposition and physical vapor deposition Chromate conversion coating Enamel (paint) Industrial coating Oxide (coating) Paint Plasma coatings Electroless plating or electrochemical plating Phosphate (coating) Polymer coatings, such as Teflon Sputtered or vacuum deposited materials Plate steel is often ordered from the mill pickled and oiled) Enamel (vitreous) Fusion bonded epoxy coating (FBE coating)

CONSUMER MARKETING

Find CONSUMER MARKETING experts and consultants for CONSUMER MARKETING litigation support. Available to be CONSUMER MARKETING expert witnesses and provide CONSUMER MARKETING forensic consulting in CONSUMER MARKETING litigation, in addition prepare CONSUMER MARKETING expert witness reports for use in deposition and/or in-court trial testimony.

CONTRACT & MISC. SURETY

A surety is a person who agrees to be responsible for the debt or obligation of another. The situation in which a surety is most typically required is when the ability of the primary obligor or principal to perform its obligations under a contract is in question, or when there is some public or private interest which requires protection from the consequences of the principal's default or delinquency. In most common law jurisdictions, a contract of suretyship is subject to the statute of frauds (or its equivalent local laws) and is only enforceable if memorialized by a writing signed by the surety.

A surety bond is a contract between at least three parties: (i) the principal, (ii) the obligee, and (iii) the surety. Through this agreement, the surety agrees to make the obligee whole (usually by payment of money) if the principal defaults in its performance of its promise to the obligee. The contract is formed so as to induce the obligee to contract with the principal, i.e., to demonstrate the credibility of the principal.

CORROSION EVALUATIONS

Corrosion is deterioration of intrinsic properties in a material due to reactions with its environment. Weakening of steel due to oxidation of the iron atoms is a well-known example of electrochemical corrosion. This type of damage usually affects metallic materials, and typically produces oxide(s) and/or salt(s) of the original metal. Corrosion also includes the dissolution of ceramic materials and can refer to discoloration and weakening of polymers by the sun's ultraviolet light.

CREDIT

Credit as a financial term, used in such terms as credit card, refers to the granting of a loan and the creation of debt. Any movement of financial capital is normally quite dependent on credit, which in turn is dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds.

DREDGING / RECLAMATION

Dredging is miscellaneous excavator-type work underwater, usually in shallow sea or fresh water. A dredge is a device for scraping or sucking the seabed, used for dredging. A dredger is a ship or boat equipped with a dredge. American usage sometimes calls the ship or boat a dredge.

ENERGY

Energy is the ability to do work. It may express itself in different forms; kinetic and potential energy and the ability to do mechanical work; thermal, chemical and electromagnetic energy; nuclear energy, and various other forms. Power is the time rated expenditure of energy.

FIDUCIARY DUTIES

The fiduciary duty is a legal relationship between two or more parties, most commonly a "fiduciary" or "trustee" and a "principal" or "beneficiary", that in English common law is arguably the most important concept within the portion of the legal system known as equity. Since the Judicature Acts merged the courts of Equity (historically based in England's Court of Chancery) with the courts of common law, the concept of fiduciary duty also became usable in common law courts.

FINANCE

Finance studies and addresses the ways in which individuals, businesses and organizations raise, allocate and use monetary resources over time, taking into account the risks entailed in their projects. The term finance may thus incorporate any of the following: The study of money and other assets The management and control of those assets Profiling and managing project risks As a verb, "to finance" is to provide funds for business.

FOREX - FOREIGN CURRANCY TRADING

The foreign exchange (currency or forex) market exists wherever one currency is traded for another. It is by far the largest market in the world, in terms of cash value traded, and includes trading between large banks, central banks, currency speculators, multinational corporations, governments, and other financial markets and institutions. Retail traders (small speculators) are a small part of this market, and may only participate indirectly through brokers or banks.

HORSES

The horse (Equus caballus or Equus ferus caballus) is a sizeable ungulate mammal, one of ten modern species of the genus Equus. Horses have long been one of the most economically important domesticated animals, and have played an important role in the transport of people and cargo for thousands of years. Most notably, horses can be ridden by a person perched on a saddle attached to the animal, and are also widely harnessed to pull objects like wheeled vehicles or plows. In some human cultures, horses are also widely used as a source of food. Though isolated domestication may have occurred as early as 4500 BC, clear evidence of widespread use by humans dates to no earlier than 2000 BC, as evidenced by the Sintashta chariot burials, thus firmly establishing the domestication of the horse.

INSURANCE - GENERAL

General insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance typically comprises any insurance that is not determined to be life insurance, and is called property and casualty insurance in the U.S..

In the UK, General insurance is broadly divided into three areas; personal lines, commercial lines and London market.

The London market insures with large commercial risks, for example insuring supermarkets, football players and other very specific risks.

Commercial lines products are usually designed for relatively small legal entities. These would include workers comp (employers liability), public liability, product liability, commercial fleet and other general insurance products sold in a relatively standard fashion to many organisations.

Personal lines products are designed to be sold in large quantities. This would include autos (private car), homeowners (household), pet insurance, creditor insurance and others.

INSURANCE - LIFE

Life insurance (Life Assurance in British English) is a type of insurance. As in all insurance, the insured transfers a risk to the insurer, receiving a policy and paying a premium in exchange. The risk assumed by the insurer is the risk of death of the insured.

INVESTMENT BANKING

Investment banks assist public and private corporations in raising funds in the capital markets (both equity and debt), as well as in providing strategic advisory services for mergers, acquisitions and other types of financial transactions. They also act as intermediaries in trading for clients. Investment banks differ from commercial banks, which take deposits and make commercial and retail loans. In recent years, however, the lines between the two types of structures have blurred, especially as commercial banks have offered more investment banking services. In the US, the Glass-Steagall Act, initially created in the wake of the Stock Market Crash of 1929, prohibited banks from both accepting deposits and underwriting securities; Glass-Steagall was repealed by the Gramm-Leach-Bliley Act in 1998. Investment banks may also differ from brokerages, which in general assist in the purchase and sale of stocks, bonds, and mutual funds. However some firms operate as both brokerages and investment banks; this includes some of the best known financial services firms in the world.

INVESTMENTS

Investment or investing1 is a term with several closely-related meanings in finance and economics, related to saving or deferring consumption. An asset is usually purchased, or equivalently a deposit is made in a bank, in hopes of getting a future return or interest from it. Literally, the word means the "action of putting something in to somewhere else" (perhaps originally related to a person's garment or 'vestment').

LASIK

LASIK, an acronym for Laser-assisted In Situ Keratomileusis, is a form of refractive laser eye surgery procedure performed by ophthalmologists intended for correcting vision. The procedure is usually a preferred alternative to photorefractive keratectomy, PRK, as it requires less time for full recovery, and the patient experiences less pain overall.

LENDING - LOANS

A loan is a type of debt. All material things can be lent but this article focuses exclusively on monetary loans. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower. The borrower initially receives an amount of money from the lender, which they pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt.

MALPRACTICE, MEDICAL

The basic definition of medical malpractice is an act or omission by a health care provider which deviates from accepted standards of practice in the medical community and causes injury to the patient. The word malpractice has a connotation of greater culpability than negligence. In the United States and other countries, a specific medical malpractice law has developed. In English law, the issue of liability is a subset of professional negligence where, under the Bolam Test, a doctor will be liable unless shown to have acted in accordance with a reasonable body of medical opinion.

MARITAL DISSOLUTION - DIVORCE

Divorce or dissolution of marriage is the ending of a marriage before the death of either spouse, which can be contrasted with an annulment, which is a declaration that a marriage is void, though the effects of marriage may be recognized in such unions, such as spousal support, child custody and distribution of property.

MERGERS / ACQUISITIONS

The phrase mergers and acquisitions or M&A refers to the aspect of corporate finance strategy and management dealing with the merging and acquiring of different companies as well as other assets. Usually mergers occur in a friendly setting where executives from the respective companies participate in a due diligence process to ensure a successful combination of all parts.

METALLURGY

Metallurgy is a domain of materials science and of materials engineering that studies the physical and chemical behavior of metallic elements, their intermetallic compounds and their mixtures, which are called alloys. Extractive metallurgy is the practice of separating metals from their ore, and refining them into a pure metal. In order to convert a metal oxide or sulfide to a metal, the metal oxide must be reduced either chemically or electrolytically.

MICROWAVE HEATING

A microwave oven, or microwave, is a kitchen appliance employing microwave radiation primarily to cook or heat food. Microwave ovens have revolutionized cooking since their use became widespread in the 1970s.

ORTHOPEDICS

Orthopedics - The branch of medicine that deals with the prevention or correction of injuries or disorders of the skeletal system and associated muscles, joints, and ligaments. Orthopedic surgery or orthopedics (Commonwealth: "orthopaedics") is the branch of surgery concerned with acute, chronic, traumatic, and recurrent injuries and other disorders of the musculoskeletal system, its muscular and bone parts. Apart from the mechanical considerations, it also is concerned with the pathology, genetics, intrinsic, extrinsic, and biomechanical factors involved.

PLASTICS

Plastic covers a range of synthetic or semisynthetic polymerization products. They are composed of organic condensation or addition polymers and may contain other substances to improve performance or economics. There are few natural polymers generally considered to be "plastics". Plastics can be formed into objects or films or fibers. Their name is derived from the fact that many are malleable, having the property of plasticity. Plastics are designed with immense variation in properties such as heat tolerance, hardness, resiliency and many others. Combined with this adaptability, the general uniformity of composition and light weight of plastics ensures their use in almost all industrial segments.

POLYMERS

Polymer is a generic term used to describe a very long molecule consisting of structural units and repeating units connected by covalent chemical bonds. The term is derived from the Greek words: polys meaning many, and meros meaning parts [1]. The key feature that distinguishes polymers from other molecules is the repetition of many identical, similar, or complementary molecular subunits in these chains. These subunits, the monomers, are small molecules of low to moderate molecular weight, and are linked to each other during a chemical reaction called polymerization.

PROPERTY AND CASUALTY INSURANCE

Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance or boiler insurance.

REINSURANCE

Reinsurance is a means by which an insurance company (called the reinsured, ceding company or cedant) shares the risk of loss with another insurance company (called the reinsurer).

SECURITIES

Security is a type of transferable interest representing financial value. Traditionally, securities have been categorized into debt and equity securities, and between bearer and registered securities.

SKIP TRACING

Skiptracing is the process of locating a person's whereabouts for any number of purposes. This includes but is not limited to: debt collections, bail bond enforcement (bounty hunting), witness location, questioning, or almost any facet of an investigation that entails making difficult contact with a subject.