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Agreed Boundary	A compromise boundary to which property owners agree in order to resolve a dispute.
Agreement Of Sale	A document the buyer initiates and the seller approves that details the price and terms of the transaction.
Aggrieved Party	One whose legal right is invaded by an act(s) of another. The word "aggrieved" refers to a substantial grievance, a denial of some personal or property right, or the imposition upon a party of a burden or obligation.
Budget Neutrality	For the Medicare program, adjustment of payment rates when policies change so that total spending under the new rules is expected to be the same as it would have been under the previous payment rules. (MedPAC, 1998)
Bundled Billing	The practice of charging an all-inclusive package price for all medical services associated with selected procedures.
Bundled Payment	The use of a single payment for a group of related services.
Cabinet	a group of governmental officials who head various departments in the Executive Branch and advise the president.
Certification	A method of appeal whereby a lower court requests a higher court to rule on certain legal questions so that the lower court can make the correct decision in light of the answer given.
Certiorari, Writ Of	An order from a superior court to an inferior court to forward the entire record of a case to the superior court for review. The U.S. Supreme Court can issue such writs at its discretion.
Dated Billings	Receivables created by invoices that do not require the account party to pay until some date in the future. Sometimes called datings.
Day Count Basis	Method used by investors for counting the number of days in each month and in the year. Also called accrual basis or day basis. The accrual convention is expressed in different ways. An accrual basis of 30/360 indicates that every month is treated as if it was 30 days long and a year is assumed to have 360 days. Accrual basis of actual/360 indicates that each month is treated using its actual number of days while a year is assumed to have 360 days. Day basis of actual/actual indicates that the true number of days for each month and year are used. The accrual convention is used in the calculation of the amount of interest payable on bonds, loans, deposits, and other financial instruments on the interest payment dates. This convention is also used for the purpose of calculating accrued interest due from a buyer to a seller of a security sold between interest payment dates.
Daylight Overdraft	A negative position in a bank's Federal Reserve account that occurs at any time during the business day.
Executory Contract	A contract under which something remains to be done by one or more of the parties.
Executrix	A female person appointed by a testator to carry out the directions and requests in his or her last will and testament, and to dispose of his or her property according to the provisions of the will. State probate laws generally refer to this person as a "personal representative of the decedent."
Exemplary Damages	Monetary damages that go beyond the actual compensatory damages. They are awarded to punish a wrongdoer for fraudulent, malicious and wrongful conduct.
Final Maturity	The maturity date of the single loan in a pool of mortgage loans that has the maturity date furthest in the future. Because mortgage loans tend to be repaid sooner than their contractual maturity dates, the actual final payment is likely to occur earlier than the final maturity date.
Finance Charge	The total dollar amount paid to get credit
Finance Company	A business that makes consumer loans, often to consumers who cannot qualify for credit at a credit union or bank. Typically, the interest rates charged by a finance company are higher than those charged by other creditors.
Ground Rent	The amount of money paid for the use of a piece of property when it is a leasehold estate.
Groundwater	Water under the earth's surface, regardless of the geological structure in which the water is standing or flowing. It does not include water in underground streams that have identifiable banks and beds.
Group Home	A single-family residence used as a living space for unrelated, developmentally disabled or mentally disabled people.
Hard Inquiry	An indication on a credit file that a lender has obtained a copy of the report in order to evaluate the consumer's loan or credit application. An excess of hard inquiries within a six-month period may lower a consumer's credit rating.
Hazzard Insurance	This is required by the lender to protect a property against fire and other common hazards. A certificate of such insurance is required at closing.
High Balance	The highest balance (in dollars) ever attained on an account. This is more meaningful for revolving loans (such as credit cards) rather than for installment loans (because the high balance is always the same as the original loan amount). Also known as high credit.
Indemnification	to secure against any loss or damage, compensate or give security for reimbursement for loss or damage incurred. A homeowner should negotiate for inclusion of an indemnification provision in a contract with a general contractor or for a separate indemnity agreement protecting the homeowner from harm, loss or damage caused by actions or omissions of the general (and all sub) contractor.
Independent	A brokerage firm operating on-its-own without an affiliation with a regional or national franchise.
Independent Contractor	One who is retained to perform a certain act, but who is subject to the control and direction of another only as to the end result and not as to how he or she performs the act. The critical feature, and what distinguishes an independent contractor from an employee or agent, is the degree of control the employer has over such a person's activities.
Joint Administration	the combining of two or more bankruptcy proceedings for administrative convenience. Frequently, the cases of affiliated entities are jointly administered. Joint administration does not necessarily result in substantive consolidation. (See substantive consolidation.)
Judicial Lien	means lien obtained by judgment, levy, sequestration, or other legal or equitable process or proceeding.
Joint Venture	A cooperative financial relationship between two parties (i.e.,hospital and physician group, two hospitals, hospital and HMO) in which each party shares risks and benefits.
Kiosk	A kiosk is a freestanding structure (open sides, usually multi sided) located in a shopping center or mall from which merchandise is sold. A multi-sided structure found in a shopping mall or center.
Kit Home	A structure that contains prefabricated components and is put together by a contractor.
Knee Wall	A wall-like structure that supports roof rafters.
Lbp	An abbreviation for Lower Back Pain.
Leptomeningeal Cancer	A tumor that involves the tissues that cover the brain and spinal cord.
Leukemia	Leukemia is a type of cancer that forms in the bone marrow. Leukemia causes the development of abnormal white blood cells and can be caused by exposure to certain carcinogenic substances.
Medicare Coordination Of Benefits Contractor	A Medicare contractor who collects and manages information on other types of insurance or coverage that pay before Medicare. Some examples of other types of insurance or coverage are: Group Health Coverage, Retiree Coverage, Workers? Compensation, No-fault or Liability insurance, Veterans? benefits, TRICARE, Federal Black Lung Program, and COBRA.
Medicare Coverage	Made up of two parts: Hospital Insurance (Part A) and Medical Insurance (Part B). (See Medicare Part A (Hospital Insurance); Medicare Part B (Medical Insurance).)
Medicare Coverage Documents (mcds)	Documents that are published by CMS that help to relay information that is related to coverage on a national level.
Nontraditional Employment	Used to define occupations or specific fields where women typically comprise less than 25 percent of the workforce.
Normative Forecasting	A method of projecting future needs in order to determine what developments will be required to meet those needs.
Notice	In wrongful discharge cases, this doctrine is used to determine whether or not an employer gave an employee adequate advanced notice of the potential consequences if a specific behavior or conduct was not improved upon.
Occupational Illness	Any abnormal condition or disorder, other than one resulting from an occupational injury, caused by exposure to environmental factors associated with employment; it includes acute and chronic illnesses or diseases which may be caused by inhalation, absorption, ingestion or direct contact.
Occupational Injury	Any injury, such as a fracture, sprain, amputation, etc. - which results from a work accident or other exposure involving a single accident in the work environment.
Occurrence	A repeated exposure or event which unexpectedly causes loss or damage.
Partial Zoning	Zoning that does not consider its effect on other areas.
Particpation Certificates	Certificates issued by Freddie Mac backed by pools of mortgages.
Particpation Financing	Where a lender becomes a partner in a development.
Qualified Medicare Beneficiary (qmb)	This is a Medicaid program for beneficiaries who need help in paying for Medicare services. The beneficiary must have Medicare Part A and limited income and resources. For those who qualify, the Medicaid program pays Medicare Part A premiums, Part B premiums, and Medicare deductibles and coinsurance amounts for Medicare services.
Qualifying Individuals (1) (qi-1s)	This is a Medicaid program for beneficiaries who need help in paying for Medicare Part B premiums. The beneficiary must have Medicare Part A and limited income and resources and not be otherwise eligible for Medicaid. For those who qualify, the Medicaid program pays full Medicare Part B premiums only.
Qualifying Individuals (2) (qi-2s)	This is a Medicaid program for beneficiaries who need help in paying for Medicare Part B premiums. The beneficiary must have Medicare Part A and limited income and resources and not be otherwise eligible for Medicaid. For those who qualify, Medicaid pays a percentage of Medicare Part B premiums only.
Reinsurer	A company that assumes the liability of another by way of reinsurance.
Refugee Approvals	The number of refugees approved for admission to the United States during a fiscal year.
Refugee Arrivals	The number of refugees admitted to the United States through ports of entry during a fiscal year.
Stabilization	Conversion of the active organic matter in sludge into inert, harmless material.
Stable Air	A motionless mass of air that holds instead of dispersing pollutants.
Stack Effect	Air, as in a chimney, that moves upward because it is warmer than the ambient atmosphere.
Trickle Irrigation	Method in which water drips to the soil from perforated tubes or emitters.
Trickling Filter	A coarse treatment system in which wastewater is trickled over a bed of stones or other material covered with bacteria that break down the organic waste and produce clean water.
Trihalomethane (thm)	One of a family of organic compounds named as derivative of methane. THMs are generally by-products of chlorination of drinking water that contains organic material.
Unsecured Debt	An obligation of a company of corporation not backed by any specific collateral.
Unsecured Loan	A loan granted upon the good credit of the borrower. No collateral involved.
Unused Credit	The amount of credit you have available before you reach your credit limit.
Vacancy Rate	The percentage of the total supply of units or space of a specific commercial type that is vacant and available for occupancy at a particular point in time within a given market.
Value	The measure of the monetary equivalent of a property. The four essential elements of value are utility, scarcity, demand and transferability. Cost does not equal value nor does equity.
Value In Exchange	The market value of a property.
Whole Life Policy	A traditional type of life policy (not universal or variable) which provides coverage for the 'whole life' of the insured, rather than for a specific term period. The proceeds are paid at the insured's death or at the age specified in the policy, usually age 100 or more, when the insured survives that long.
Willful Act	An intentional act carried out without justifiable cause.
Witness	Person who testifies under oath before a court, regarding what he/she has seen, heard or otherwise observed.
X12n/tg2/wg19	The Health Care Implementation Coordination Work Group (WG19) of the Health Care Task Group (TG2) of the Insurance Subcommittee (N) of X12. This is now X12N/TG3/WG3.
X12n/tg2/wg2	The Health Care Claims Work Group (WG2) of the Health Care Task Group (TG2) of the Insurance Subcommittee (N) of X12. This group maintains the X12 837 Health Care Claim or Encounter transaction.
X12n/tg2/wg3	The Health Care Claim Payments Work Group (WG3) of the Health Care Task Group (TG2) of the Insurance Subcommittee (N) of X12. This group maintains the X12 835 Health Care Claim Payment & Remittance Advice transaction.
Yellow Dog Contract	An employment contract or agreement, either oral or in writing, that forbids employees from joining or continuing membership in any labor union as a condition for continuing or obtaining employment.
Yield	A measure of investment performance that gauges the percentage return on each dollar invested. Also known as rate of return.
Yield	A measure of investment performance that gauges the percentage return on each dollar invested. Also known as rate of return.
Zoning	local laws established to control the uses of land within a particular area. Zoning laws are used to separate residential land from areas of non-residential use, such as industry or businesses. Zoning ordinances include many provisions governing such things as type of structure, setbacks, lot size, and uses of a building.
Z-list	OSHA's Toxic and Hazardous Substances Tables (Z-1, Z-2, and Z-3) of air contaminants; any material found on these tables is considered hazardous.
Zone Of Saturation	The soil or rock located below the top of the groundwater table. By definition, the zone of saturation is saturated with water. Also see water table.

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Jill C. Darsow

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Associate

Law Firm Name:

Pandell Law Firm, Inc.

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Practice Areas Construction Litigation; Design Professionals Errors and Omissions; Insurance Defense; Construction Law; Construction Defects; Construction Insurance Defense; Construction and Design Law; Architectural Law; Construction Claims; Construction Contracts; Construction Liability; Construction Mediation; Environmental Construction Law; Mechanics Liens; Public Construction Law; Construction Liens; Litigation; Civil Litigation; Complex Litigation; Professional Liability; Architects and E

Staci K. Shell

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Position:

Associate

Law Firm Name:

Jacobsen & McElroy PC

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Biography:

Staci Shell joined Jacobsen & McElroy in 2012. Staci’s practice focuses on the defense of subcontractors in complex construction defect matters and personal injury matters. She also was a paralegal for 9 years and worked on construction defect, personal injury and environmental matters. While in law school Staci also interned at the Sacramento County District Attorney’s Office. Staci graduated from Chico State University with a Bachelor of Science in Political Science and then graduated from Li

Cynthia L. Clack

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Of counsel

Law Firm Name:

Gunnstaks Law Office

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Areas of Practice Family Law Entertainment, Sports & Leisure Law Bar Admissions U.S. District Court Northern District of Texas U.S. District Court Western District of Texas Certified Legal Specialties Board Certified Family Law by Texas Board of Legal Specialization, 1987 - present Certified Mediator, 1993 - present Professional Associations & Memberships State Bar of Texas Grievance Committee District 17-B, Chairman, 1986 - 1988 State Bar of Texas Family Law Council, Member, 1995 - 1997 Honor

Jason R. Cale

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Associate

Law Firm Name:

Jacobsen & McElroy PC

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Jason Cale joined Jacobsen and McElroy in 2011 after practicing for a private firm in Sacramento and with the Department of Fair Employment and Housing. He has extensive civil litigation experience and has practiced in federal and state courts. During law school, Jason clerked for a superior court judge in Alameda County. At Jacobsen & McElroy, his practice focuses on handling of complex construction defect and employment matters. Jason graduated from the University of California, Santa Cruz, w

James I. Silverstein

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Member

Law Firm Name:

Yaron & Associates

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environmental law

Biography:

James I. Silverstein grew up in Los Angeles and moved north to attend the Universityof California at Berkeley, graduating in 1985 with a Bachelors of Sciencedegree in Geology. Jim attended Loyola Law School and graduated in 1989 in the top third of his class. Jim initially practiced environmental law in Southern California and since 1993 he has focused his practice on insurance coverage and bad faith litigation in Los Angeles and San Francisco. Jim was a partner at the San Francisco law firm of

Cases involving public order offenses were more likely than any other offense to result in a delinquency adjudication each year between 2000 and 2008.
National Center for Juvenile Justice

Regardless of age, person offense cases were less likely than other offense categories to be adjudicated delinquent for each year between 1985 and 2008.
National Center for Juvenile Justice

Between 1985 and 1995, the likelihood of adjudication for drug offense cases involving juveniles 15 or younger decreased from 71% to 60%. After 1995, the likelihood increased. In 2008, 67% of drug offense cases involving juveniles under age 16 resulted in a delinquency adjudication.
National Center for Juvenile Justice

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