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Add Value	Fourth stage of four-stage transaction management process pertaining to a transaction manager’s planning, effort, and continual contact with key decision-makers, investors, and users, as well as contact with ancillary professionals. This ongoing process allows for feedback, establishes a network for problem solving, provides a means to offer additional services to the client, and enhances the transaction manager’s preparedness for the next assignment.
Ademption	Disposal by a testator in his or her lifetime of a specific property bequeathed in his or her will so the bequest is revoked.
Adjustable-rate Mortgage (arm)	A mortgage in which the interest changes periodically, according to corresponding fluctuations in an index. All ARMs are tied to indexes.
Before-tax Income	Total income before taxes are deducted.
Before-tax Investment Value	The sum of the present values of the mortgagor and mortgagee of property.
Benchmark	A permanent reference mark or point established for use by surveyors in measuring differences in elevation.
Concentration Account	A cash management tool. A single account established by an entity, usually in conjunction with one or more zero balance disbursement accounts. Sometimes the concentration account is referred to as a parent account while the associated zero balance accounts are called daughter or subsidiary accounts.
Conditions	A term used by lenders and credit analysts to describe the background or underlying economic and industry circumstances affecting a business.
Conduit	the financial intermediary that sponsors the conduit between the lender(s) originating loans and the ultimate investor. The conduit makes or purchases loans from third party correspondents under standardized terms, underwriting and documents and then, when sufficient volume has been obtained, pools the loans for sale to investors in the CMBS market
Denomination	The par value of a bond.
Department Of Housing And Urban Development (hud)	A department of the U.S. government that promotes private and public housing. FHA and GNMA are agencies within HUD.
Departure Provision	A specific provision in the USPAP rules for real estate appraisals. The departure provision states that: "An appraiser may enter into an agreement to perform an assignment that calls for something less than, or different from, the work that would otherwise be required by the specific guidelines." An appraisal conducted under the departure provision is called a limited appraisal.
Equal Employment Opportunity	Nondiscrimination in hiring, firing, compensation, promotion, recruitment, training, and other terms and conditions of employment regardless of race, color, sex, age, religion, national origin or disability.
Equal Employment Opportunity Commission ("eeoc")	The federal administrative agency that enforces laws prohibiting discrimination in employment.
Equal Opportunity Clause	The seven subparagraphs in Section 202 of Executive Order 11246, as amended. These paragraphs are required to be part of all contracts covered by the executive order.
Fixed Sentencing	See determinate sentencing.
Fleeting-targets Exception	An exception to the exclusionary rule that permits law enforcement officers to search a motor vehicle based on probable cause but without a warrant. The fleeting-targets exception is predicated on the fact that vehicles can quickly leave the jurisdiction of a law enforcement agency.
Force	See police use of force.
Gross Income	money earned before taxes and other deductions. Sometimes it may include income from self-employment, rental property, alimony, child support, public assistance payments, and retirement benefits.
Gross Income Multiplier	A figure used as a multiplier of the gross annual income of a property to produce an estimate of the property's value.
Gross Leasable Area (gla)	The total floor area designed for tenant occupancy and exclusive use, including basements, mezzanines, and upper floors, and it is measured from the center line of joint partitions and from outside wall faces. GLA is that area on which tenants pay rent; it is the area that produces income.
Heat Island Effect	A "dome" of elevated temperatures over an urban area caused by structural and pavement heat fluxes, and pollutant emissions.
Heavy Metal	A common hazardous waste; can damage organisms at low concentrations and tends to accumulate in the food chain.
Herbivore	An animal that feeds on plants.
Invitation To Self Identity	An invitation by an employer extended to all employees who believe they are covered by Section 402 or 503 to identify themselves as having a disability, being a disabled veteran, a Vietnam-era veteran or other eligible veteran for purposes of making reasonable accommodation and taking affirmative action. Applicants may no longer be asked to self-identify prior to an offer of employment being extended to them by the employer.
Id Est (ie)	that is. Is followed by a definition or list of items or options that relate to a preceding statement or condition. Differs from exempli gratia (eg) - for example - that gives some, but not all, examples of the items or options.
Illiquidity Discount	A discount in the value of an interest in a business because of legal restrictions on the resale of such interest.
Judicial Lien	A lien obtained by judgment, levy or other legal proceeding.
Jurisdiction	A jurisdiction clause sets out the country or state whose laws will govern the contract and where any legal action must take place.
Jury	The panel of people who decide the facts in a lawsuit
Kimmel V. Florida Board Of Regents (1999)	In this case, the Supreme Court decided 5-4, that even though the two plaintiffs were denied employment just because of their age, their cases would not be allowed into federal court because of the 11th Amendment. This decision made the Age Discrimination in Employment Act (ADEA) difficult to enforce. The decision also made it more difficult for Congress to enact other laws that would protect workers from their state employers.
Kindness	Caring for or showing empathy for others.
Kkk	The Ku Klux Klan is the name of a number of past and present fraternal organizations in the United States that have advocated white supremacy, anti-Semitism, racism, anti-Catholicism, homophobia, and nativism. These organizations have often used terrorism, violence and acts of intimidation such as cross burnings to oppress African Americans and others.
Leased Fee Estate	An ownership interest held by a landlord with the right of use and occupancy conveyed by lease to others: usually consists of the right to receive rent and the right to repossession at the termination of the lease.
Leasehold Estate	The right to use and occupy real estate for a stated term and under certain conditions: conveyed by a lease.
Legal Custody	The authority of one parent or both parents to make legal decisions regarding health, education and welfare of the child.
Misrepresentation	where one party to a contract makes a false statement of fact to the other which that other person relies on. Where there has been a misrepresentation then the party who received the false statement can get damages for their loss. The remedy of rescission (putting things back to how they were before the contract began) is sometimes available, but where it is not possible or too difficult the court can award damages instead.
Mitigation	Action by an employee that will reduce the amount of damages resulting from an unlawful employment practice, i.e., obtaining new employment after a wrongful termination.
Mitigation Of Damages	Requirement that the injured party take reasonable steps to lessen or avoid damages.
No-competition Lots	A lot in which the buyer's home will be constructed by a particular builder.
No-documentation Loan	A loan application that does not require verification of income but typically is granted in cases of large down payments.
No Loan/no Commission	A listing agreement requiring that escrow be closed and title transferred before an agent is entitled to a commission.
One Time Jacket	A sealed bid that is not a term contract.
Open Jacket	An active but uncompleted, internal or commercially procured GPO order, for a series of like items over an extended period of time.
Open Market Requisition (omr)	The requisition document type used in MAPS Procurement to request the purchase of a non-contract item when the requested item's estimated cost exceeds the authority for purchase level of the buyer. An OMR conveys the request for purchase to the person with the authority to purchase. The resulting order type is most often the Purchase Order Requisition (POR).
Parent Company	where one company owns more than 50 per cent of the voting rights of another company it is the parent of that company which in turn becomes its subsidiary. It can also occur where the parent has less than 50 per cent but can control the board of directors of the subsidiary: that is, it has the power to appoint and remove directors without referring to other shareholders.
Parent Corporation	A corporation that either owns outright or controls a subsidiary.
Participate	To invest and then receive a part or share, as in business profits, payments on a promissory note, title to land, or as one of the beneficiaries of the estate of a person who has died.
Quantity Discount	A reduction in the unit price offered for large volume contracts.
Quotation	In small purchases, a contractor’s volunteered response to a request for price or other information. A quotation is not an offer and cannot be accepted by the Government to form a binding contract. In small purchase procurements a contract is not formed until the contractor accepts the order in writing or through substantial performance.
Quarter	A quarter is the academic term for one fourth of the school year, where in the school calendar is divided into four sections as per the quarter system. In a trimester system, the school year would be divided into three sections.
Region	A geographical region of the Bureau of Alcohol, Tobacco and Firearms.
Regional Director (compliance)	The principal ATF regional official responsible for administering regulations in this part.
Renounced U.s. Citizenship	(a) A person has renounced his U.S. citizenship if the person, having been a citizen of the United States, has renounced citizenship either— (1) Before a diplomatic or consular officer of the United States in a foreign state pursuant to 8 U.S.C. 1481(a)(5); or (2) Before an officer designated by the Attorney General when the United States is in a state of war pursuant to 8 U.S.C. 1481(a)(6).(b) The term shall not include any renunciation of citizenship that has been reversed as a result of administrative or judicial appeal.
Supplemental Unemployment Benefits (sub)	Typically found in collective bargaining agreements. SUB pay benefits are taxable payments form a fund which can be combined with state unemployment insurance benefits during periods of temporary layoff to provide a higher level of unemployment benefits during the term of layoff.
Supranational	Involving more than one country or having authority which transcends one country, i.e., the European Union is a supranational organization.
Survey	A data collection method used to assist organizations with problem identification, measuring employee morale or expectations and determining areas of concern.
Third Party Claim	A demand made by a person (not a party to an action) for delivery or possession of personal property, title to which is claimed by the third party.
Third Party Litigation	When a lawsuit is brought against a defendant and that defendant wants to add another party to the suit, the original defendant may file a "third party complaint" which results in a third party litigation or lawsuit.
Title Vii	Part of the federal Civil Rights Act of 1964 that prohibits discrimination in employment on the basis of age, color, national origin, race, religion, or sex.
Unknown (child Data)	The State may collect data on this variable, but the data for this particular report or child were not captured or are missing.
Unmarried Partner Or Parent	Someone who has a relationship with the parent and lives in the household with the parent of the maltreated child.
Unsubstantiated	A type of investigation disposition that determines that there is not sufficient evidence under State law to conclude or suspect that the child was maltreated or is at-risk of being maltreated.
Vocational Rehabilitation (vr)	A program of services designed to enable people with disabilities to become or remain employed. Originally mandated by the Rehabilitation Act of 1973, VR programs are carried out by individually created state agencies. In order to be eligible for VR, a person must have a physical or mental disability that results in a substantial handicap to employment.
Va Regional Office (varo):	A collection of 57 benefits offices that provide benefits information and process claims. At least one VARO is located within every state and as well as the District of Columbia, Puerto Rico, and the Republic of the Philippines. Some VAROs also provide out-based services to Veterans being discharged from active service at various military separation centers around the country as well as in the Federal Republic of Germany and the Republic of Korea.
Vet Center:	A type of VA health care facility designed to provide outreach and readjustment counseling services through 232 community-based Vet Centers located in all 50 states, the District of Columbia, Guam, Puerto Rico, American Samoa, and the U.S. Virgin Islands. Veterans are eligible if they served on active duty in a combat theater during World War II, the Korean War, the Vietnam War, the Gulf War, or the campaigns in Lebanon, Grenada, Panama, Somalia, Bosnia, Kosovo, Afghanistan, Iraq and the Global War on Terror. Veterans, who served in the active military during the Vietnam-era, but not in the Republic of Vietnam, must have requested services at a Vet Center before Jan. 1, 2004. Vet Centers do not require enrollment in the VHA Health Care System.
Workout	The various ways to offset a foreclosure.
Wraparound Mortgage	A loan to a buyer for the remaining balance on a seller's first mortgage and an additional amount requested by the seller. Payments on both loans are made to the lender who holds the wraparound loan.
Writ Of Execution	A court order authorizing and directing an officer of the court (sheriff, police officer) to levy and sell property of the defendant to satisfy a judgement.
X12n/tg2/wg12	The Interactive Health Care Claims Work Group (WG12) of the Health Care Task Group (TG2) of the Insurance Subcommittee (N) of X12. This group maintains the IHCLME Interactive Claims transaction.
X12n/tg2/wg15	The Health Care Provider Information Work Group (WG15) of the Health Care Task Group (TG2) of the Insurance Subcommittee (N) of X12. This group maintains the X12 274 Provider Information transaction.
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.
Yasmin ("yaz")	Yaz/Yasmin is a birth control pill which was also approved to treat mild acne in women.
Yaz	Yasmin is a birth control product that’s known by many names, including Yasmin, Yaz and Ocella, which is basically the generic version of the brand-name equivalent.
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.
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.
Zero-lot Lines	Houses built without space between them and with little or no yard.
Zoning Ordinance	An exercise of police power by a municipality to regulate and control the character and use of property.

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Patricia Fecile-Moreland

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Partner

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Marks, O'Neill, O'Brien & Courtney, P.C.

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Geary Yeisley

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Associate

Law Firm Name:

Kline & Specter A Professional Corporation

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Biography:

Geary L. Yeisley is a board certified physician and surgeon who held various prestigious positions -- including chief of cardio-thoracic surgery at a number of Pennsylvania hospitals before turning to a career in law. His goal as a lawyer is the same as when he practiced medicine. For twenty years, I was an advocate for the right of heart surgery patients to receive a high level of care from hospitals, says Dr. Yeisley. By going into law at this stage of my career, I hope to continue to be an a

Suzanne H. dePillis

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Associate

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Kline & Specter A Professional Corporation

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Suzanne H. dePillis has had a lengthy career in a wide range of litigation including personal injury and commercial cases in state and federal courts in both Pennsylvania and New Jersey. DePillis joined Kline & Specter in 2008 after working 11 years at the large Philadelphia law firm of Duane Morris LLP, where she handled litigation involving medical malpractice, legal malpractice, toxic torts and a variety of business, contract, trade secret and employment matters. She also represented insurer

Earlie H. Francis

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Associate

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Kline & Specter A Professional Corporation

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Earlie H. Francis III, M.D., J.D., joined Kline & Specter as a member of the firm's growing team of highly experienced doctor/attorneys. In his most recent case, Dr. Francis in May 2011 was co-counsel in a trial that resulted in a $1.87 million verdict for the estate of a Cheltenham woman who died after an emergency room doctor failed to diagnose her symptoms as carbon monoxide poisoning. (See story) Just a month later, he helped win a $927,000 Chester County verdict for an Exton woman whose ha

Kristen JoAnn Loerch

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Associate

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Kline & Specter A Professional Corporation

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Kristen J. Loerch spent most of her legal career as defense counsel in medical malpractice cases, defending hundreds of doctors, nurses and hospitals. Now, armed with important knowledge and experience, she represents people who were seriously injured as the result of medical error. Helping those in need was much of what drew me to Kline Specter, says Loerch, who joined the firm in 2009. In her years of civil defense work, Loerch worked on many medical malpractice cases and was co-counsel in so

Because many medically treated victims receive multiple forms of care (e.g., ambulance services, emergency room care, or physical therapy) and multiple treatments (e.g.,several days in the hospital) for the same victimization, medical personnel in the United States treat millions of intimate partner victimizations annually.
National Resource Center on Domestic Violence

To better meet the needs of intimate partner violence victims, it is suggested that medical professionals receive training on the physical consequences of intimate partner violence and appropriate medical intervention strategies.
National Resource Center on Domestic Violence

Estimates from a compilation of statistical data maintained by the Bureau of Justice Statistics (BJS) and the Federal Bureau of Investigation (FBI) on violence between people who have an intimate relationship indicate that about 1 in 10 women victimized by a violent intimate sought professional medical treatment.
National Resource Center on Domestic Violence

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