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Alternative Worksite	Any location other than the employer’s physical worksite where employees are allowed to perform their jobs.
Americans With Disabilities Act ("ada")	A federal law that protects employees from discrimination on the basis of disability, and imposes upon employers the requirement that they make "reasonable accommodations" for their employees' disabilities.
Anti-nepotism Policy	An employer’s policy that restricts the employment of two or more family members at the same time.
Basic Benefits (medigap Policy)	Benefits provided in Medigap Plan A. They are also included in all other standardized Medigap policies. (See Medigap Policy.)
Beneficiary	The name for a person who has health care insurance through the Medicare or Medicaid program.
Beneficiary Encrypted File	A restricted public use file. An Agreement for Release of the Centers for Medicare & Medicaid (CMS) Beneficiary Encrypted Files (PDF, 13KB) data use agreement is required.
Co-sign	To sign a credit agreement with someone and agree to share the debt with that person or assume the debt if the other person defaults, that is, doesn’t pay.
Cost In Excess Of Billing	An asset created under a type of accrual accounting used when firms such as contractors incur expenses in accounting periods that are repaid in subsequent accounting periods. This account is comprised of money spent by the contractor for things that will be billed to buyer at a future date.
Cost Of Carry	The cost of financing an asset. If the cost of carry is smaller than the interest received from the asset by the investor, the investor has a positive carry. Conversely, if the cost of carry is larger than the interest received from the asset by the investor, the investor has a negative carry.
Defect Of Record	Any encumbrance on a title that is made a part of the public record. Recorded defects include judgments, deeds of trust, mortgages, other liens and easements.
Deferred Capital Gain	The part of the realized gain that is tax deferred.
Deferred Maintenance	Any repair or maintenance of a piece of property that has been postponed, resulting in a decline in property value.
Eldercare	Public, private, formal, and informal programs and support systems, government laws, and finding ways to meet the needs of the elderly, including: housing, home care, pensions, Social Security, long-term care, health insurance, and elder law.
Election (cms)	Your decision to join or leave the Original Medicare Plan or a Medicare+Choice plan.
Election Periods (cms)	Time when an eligible person may choose to join or leave the Original Medicare Plan or a Medicare+Choice plan. There are four types of election periods in which you may join and leave Medicare health plans: Annual Election Period, Initial Coverage Election Period, Special Election Period, and Open Enrollment Period.
Functional Data	Information/data collected and presented by functional region.
Functional Feasibility	Considerations made in the site selection process which assist in the evaluation of site potential as defined in terms of the practicality of a site, the best site for a given use, or the determination of a site's best use, through the examination of linkages, competition, demographics, and market conditions.
Functional Obsolescence	A form or source of accrued depreciation considered in the cost approach to market value. The reduced capacity of a property or improvements to perform their intended functions due to new technology, poor design, or changes in market standards.
Genocide	any of the following acts committed with the intent to destroy, in whole or in part, a national, ethnic, racial or religious group, as such: (a) killing members of the group; (b) causing serious bodily or mental harm to members of the group; (c) deliberately inflicting the conditions of life calculated to bring about the physical destruction of the group; (d) imposing measures intended to prevent births within the group; (e) forcibly transferring children of the group to another group.
Group Rights	The right of groups to protect their interests and identities.
Going Concern Value	what a company is worth if sold as a continuing business, as opposed to its liquidation value.
Html	HTML stands for Hyper Text Markup Language. HTML is the common language used to create web pages, which are viewed with the help of a web browser. HTML is used in the creation of a structured document for making headers, paragraphs, lists, bullet points, etc. HTML might also be used to insert images into a page, or to create interactive pages.
Http	HTTP stands for Hypertext Transfer Protocol. HTTP is a protocol used for distribution of information on the web. It is used for retrieving inter-linked resources led to the establishment of the World Wide Web.
Hallex	The SSA manual used by the Office of Disability Adjudication and Review. A copy may be found on SSA’s website, www.socialsecurity.gov.
Inter-american Court Of Human Rights	a seven-member judicial body which hears cases brought against member organizations concerning human rights abuses; an organ of the Organization of American States.
Interdependence	Human rights concerns appear in all spheres of life, such as in home, school, workplace, court, and markets. Human rights violations are interconnected; the loss of one right detracts from other rights. Similarly, promotion of human rights in one area supports other human rights.
Intergovernmental Organizations (igos)	Organizations sponsored by multiple governments that seek to coordinate their efforts. Some are regional (e.g., the Council of Europe, the African Union), some are strategic alliances (e.g., the North Atlantic Treaty Organization, NATO), and some are global or dedicated to a specific purpose (e.g., the United Nations).
Juvenile	A person subject to juvenile court proceedings because a statutorily defined event or condition caused by or affecting that person was alleged to have occurred while his or her age was below the statutorily specified age limit of original jurisdiction of a juvenile court.
Juvenile Court	A court that has, as all or part of its authority, original jurisdiction over matters concerning people statutorily defined as juveniles.
Juvenile Court Judgment	The juvenile court decision, terminating an adjudicatory hearing, that the juvenile is a delinquent, a status offender, or a dependent or that the allegations in the petition are not sustained.
Kinesiology	The branch of physiology that studies human movement.
Kirschner Wire (k-wire)	A sterilized stainless steel wire or pin used to hold bone fragments together.
Klumpke’s Palsy	Paralysis or weakness of the forearm or hand due to brachial plexus injury during childbirth. Also known as Dejerine-Klumpke Palsy or Klumpke’s Paralysis.
Labor Surplus Area	A civil jurisdiction designated by the U.S. Department of Labor, usually updated annually in the late fall. Used as one of the criteria for designating economically disadvantaged (ED) vendors.
Language Services Schedule Contract	a General Services Administration (GSA) Schedule Contract enabling federal consumers to purchase language related educational materials, training, and translation services.
Latent Defect	A defect that is not reasonably detectable in an inspection or test during the warranty period and which appears at a later date.
Monopoly	A business or inter-related group of businesses which controls so much of the production or sale of a product or kind of product as to control the market, including prices and distribution.
Mortgage	A conditional conveyance of property as security for the payment of a debt or the performance of a duty, that becomes void upon payment or performance according to the stipulated terms; usually applicable to personal or real property.
Mortgage Loan	Any loan for which funds or property (typically a home) is being used to secure the loan. The mortgage loan to purchase the home is considered the first mortgage and is typically secured with a financial down payment or proceeds from the sale of a former home. Second mortgage loans, like home equity loans, are secured by pledging the home as collateral for the loan.
National Standard Format	Generically, this applies to any nationally standardized data format, but it is often used in a more limited way to designate the Professional EMC NSF, a 320-byte flat file record format used to submit professional claims.
National Standard Per Visit Rates	National rates for each 6 home health disciplines based on historical claims data. Used in payment of LUPAs and calculation of outliers.
National Uniform Billing Committee	An organization, chaired and hosted by the American Hospital Association, that maintains the UB-92 hardcopy institutional billing form and the data element specifications for both the hardcopy form and the 192-byte UB-92 flat file EMC format. The NUBC has a formal consultative role under HIPAA for all transactions affecting institutional health care services.
Office Of General Counsel (ogc)	The part of SSA that, among other things, accepts service of process on the Commissioner of Social Security and handles litigation against the Social Security Administration.
Office Of The Inspector General (oig)	Investigative department of SSA that handles all SSA investigations. OIG investigates allegations of fraud by beneficiaries and SSA employees. It also investigates and evaluates SSA programs.
Old-age, Survivor & Disability Insurance (oasdi)	The Social Security programs that provide monthly cash benefits to wage earners and dependents when the wage earner retires, to surviving dependents, and to disabled worker beneficiaries and their dependents.
Preferred Stock	stock that takes priority over common stock with regard to dividends and liquidation rights. Preferred stockholders typically have no voting rights.
Pre Foreclosure Sale	a procedure in which the borrower is allowed to sell a property for an amount less than what is owed on it to avoid a foreclosure. This sale fully satisfies the borrower's debt.
Preliminary Notice	Notifies a customer that work to be completed is subject to the lien rights of the contractor. Preliminary notice must be given prior to recording of a mechanic's lien, and should be filed by a contractor at least 20 days prior to the start of work. If notice is given later, liens will cover only the work starting 20 days prior to filing.
Quid Pro Quo Harassment	Quid pro harassment involves expressed or implied demands for sexual favors in exchange for some benefit (a promotion, pay increase, etc.) or to avoid some detriment (termination, demotion, etc.) in the workplace. By definition, it can only be perpetrated by someone in a position of power or authority over another (i.e., manager or supervisor over a subordinate).
Quit	A voluntary resignation from employment that is initiated by the employee.
Quota System	In affirmative action systems, it is a means of attempting to achieve workplace balance by hiring and/or promoting specified numbers or ratios of minorities or women in positions from which they have been excluded.
Reasonable Wear And Tear	damage sustained in the course of normal use.
Receiver	A person who is appointed by a court to receive, and hold in trust, property in litigation
Reclamation	A term used in bankruptcy to denote a right or proceeding on the part of a person having title to property to recover the same when it is in possession of the bankrupt, debtor, receiver or trustee.
Service Category Definition	A general description of the types of services provided under the service and/or the characteristics that define the service category.
Short Range	The next 10 years.
Side Effect	A problem caused by treatment. For example, medicine you take for high blood pressure may make you feel sleepy. Most treatments have side effects.
Transaction Management Process	A continuous, cyclical four-stage process in which a transaction manager is involved with qualifying, matching, closing, and adding value for clients. Also see qualify, match, close, and add value.
Transfer Agent	a bank or trust company charged with keeping a record of a company's stockholders and canceling and issuing certificates as shares are bought and sold.
Transfer Income	Money that is transferred to a local economy from outside sources without the exchange of any good or service (including social security, welfare and retirement benefits, interest dividends and rent on investments).
Uncovered	The position of an option holder who does not also own an offsetting position in the underlying. For example, an investor who sells a call option but who does not own the underlying instrument that can be called has a naked call option or a naked call position. Also called uncovered. The opposite of covered.
Underwriter	The investment bank, commercial bank, or brokerage firm that works with an issuer to sell a new issue. Issuers may select underwriters by obtaining bids or on a negotiated basis. Potential underwriters may form groups called underwriting syndicates to bid collectively.
Underwriting	The name used to describe the process of analyzing and structuring a proposed loan. Good underwriting is the most important aspect of secured lending. Outside of banking, the term primarily refers to the purchase of risk.
Voluntary Agreement (cms)	Agreements between CMS and various insurers and employers to exchange Medicare information and group health plan eligibility information for the purpose of coordinating health benefit payments.
Voluntary Enrollee	Certain individuals aged 65 or older or disabled, who are not otherwise entitled to Medicare and who opt to obtain coverage under Part A by paying a monthly premium.
Voucher	A certificate, given usually to low or moderate income individuals that can be used to purchase all or part of a specific item such as insurance or a needed service.
Workers' Compensation Acts	Laws that require an employer to obtain insurance coverage to protect his or her employees who are injured in the course of their employment.
Working Level (wl)	A unit of measurement for documenting exposure to radon decay products. One working level is equal to approximately 200 picoCuries per liter.
Workout	The various ways to offset a foreclosure.
X12 811	The X12 Consolidated Service Invoice & Statement transaction.
X12 820	he X12 Payment Order & Remittance Advice transaction. Version 4010 of this transaction has been included in the HIPAA mandates.
X12 831	The X12 Application Control Totals transaction.
Year-round Education	A modified school calendar that gives students short breaks throughout the year, instead of a traditional three-month summer break. Year-round calendars vary, sometimes within the same school district. Some schools use the staggered schedule to relieve overcrowding, while others believe the three-month break allows students to forget much of the material covered in the previous year.
Year Of Exhaustion	The first year in which a trust fund is unable to pay benefits when due because the assets of the fund are exhausted.
Yield	The quantity of water (expressed as a rate of flowGPM, GPH, GPD, or total quantity per year) that can be collected for a given use from surface or groundwater sources. The yield may vary with the use proposed, with the plan of development, and also with economic considerations.
Zoning Ordinance	An exercise of police power by a municipality to regulate and control the character and use of property.
Zoning Variance	A one-time modification of existing zoning law.
Zero Coupon Bonds	A single-payment bond that grows to its face value over a prescribed time period at a specific interest rate. All compound interest is tax-deferred until the bond is cashed.

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Thomas B. Jackson

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Tyler, Cassell, Jackson, Peace & Silver, LLC

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Construction Contracts

Biography:

THOMAS B. JACKSON, III, born Orangeburg, South Carolina, April 10, 1952; admitted to bar, 1977, South Carolina; U.S. District Court for South Carolina and U.S. Court of Appeals, Fourth Circuit. Listed in “The Best Lawyers in America” and “Super Lawyers” Publications for work in practice area of construction law. EDUCATION: Clemson University (B.S.M.E., with high honors, 1974); University of South Carolina School of Law (J.D., 1977). Phi Kappa Phi; Tau Beta Pi. Contributing Author: “South Caro

Joel A. Stein

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Deutsch Levy & Engel

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Joel A. Stein came to Deutsch, Levy & Engel, Chartered in 2003 as a Principal with more than 20 years experience in the areas of banking, bankruptcy, creditor's rights, enforcement of obligations and other commercial litigation. He has worked with business of every kind and size, protecting their interests in a wide variety of transactions, from aviation to maritime, from real estate to moving inventory. He is recognized as expert in dealing with federal tax liens and has taught courses in that

Alan M. Peace

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Tyler, Cassell, Jackson, Peace & Silver, LLC

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M. ALAN PEACE, born Winston-Salem, North Carolina, January 10, 1958; admitted to bar, 1984, South Carolina; U.S. District Court for South Carolina and U.S. Court of Appeals, Fourth Circuit. Certified Mediator and Certified Arbitrator by South Carolina Board of Arbitration and Mediation Certification. Listed in 2013 "Legal Elite of the Midlands" for construction law. EDUCATION: Wofford College (B.A., cum laude, 1980); University of South Carolina School of Law (J.D., 1984); Contributing Author

Taylor A. Peace

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Tyler Cassell Jackson Peace & Silver LLC

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TAYLOR A. PEACE, born Columbia, South Carolina, January, 1986; admitted to bar, 2011, South Carolina; U.S. District Court for South Carolina, 2012; U.S. Court of Appeals, Fourth Circuit. EDUCATION: Wofford College (2008); Charleston School of Law (2011). MEMBER: Richland County Bar Association; South Carolina Bar. PRACTICE AREAS: Bankruptcy Law; Construction Law; Commercial Law; Corporate Law.

Yvonne Dunbar

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Associate

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Anderson, Julian & Hull

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Professional Status:Associate Attorney. Her current practice focuses on insurance defense, commercial litigation and construction litigation. Educational Background:Graduated with high honors from the University of Florida in 2002 with a Bachelor of Arts degree in Political Science and a minor in Criminology Law. She obtained her Juris Doctorate from University of California, Berkeley, Boalt Hall School of Law in 2005 where she graduated in the top third of her class. Professional Affiliations:

On September 27, 2004 , that the Data Safety Monitoring Board for an ongoing long-term study of Vioxx had recommended that the study be stopped early for safety reasons. The study was being conducted in patients at risk for developing recurrent colon polyps. The study showed an increased risk of cardiovascular events (including heart attack and stroke) in patients on Vioxx compared to placebo, particularly those who had been taking the drug for longer than 18 months.
www.esteybomberger.com

Incidents of sexual violence remain the most underreported crimes in the United States, and survivors who disclose their victimization—whether to law enforcement or to family and friends—often encounter more adversity than support.
United States Department of Justice - Office on Violence Against Women

Youth who have been hurt by crime may tell trusted friends about victimization, but they often avoid or delay telling adults about such traumatic experiences.
National Center for Victims of Crime

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