OpenLLM-France/wikimedia huggingface dataset:
# Effects of Late or Non-payments/Administrative

| Unit 3.3-Effects of Late or Non-payments | Introduction | Tenets of Risk Assessment | Risk and Reward | "Eight C's" | 5 "C's" | 3 "C's" | Applying the "C's" | Impact of Nonpayment | Identifying Costs | Bad Debt Value | Interest | Cost and Capital | Administrative | Summary | Resources | Activities | Assessment Go to Unit 3.1 | Unit 3.2 | Unit 3.3 | Unit 3.4 | Unit 3.5 Return to Trade Finance Module 3: Commercial Risk |

## Administrative

There are several examples of administrative costs.

### Losing the ability to discount

For example, if a seller sold to a buyer who was slow to pay, this seller’s cash flow is impacted. Assume this seller has purchased products and services from vendors as part of the business. These vendors may offer a 1% discount to the seller if paid in 10 days. If the buyer had paid on time, the seller could have paid the vendor in 10 days and therefore saved 1%. This is an example of the seller losing the ability to "take" the 1% discount offered by the vendor.
Another discount example may include a transaction with a bank. Assume a seller has the option to prepay his loan with a bank. In return, the bank will discount the fees due the bank. Just as in the other example, if a buyer does not pay on time this seller might not have the money to prepay the loan and receive a discount. This seller has lost the opportunity to save costs associated with the loan. This is a crucial cost, especially in a high-interest period.

### Paying penalty/late charges

In this situation, instead of missing out on a discount for not being able to pay earlier, a seller has to pay a penalty for being late. If this seller does not receive payment promptly from the buyer, this seller’s cash flow may be impacted; thus, there is the potential that suppliers will be paid (obligations) late and therefore incur charges. Another impact associated with late penalties is the possibility of restricted credit in the future.

### Increasing risk factors

Uncollected debt is a cost to a business. The older the debt, the harder to collect.

### Maintaining administrative, bookkeeping functions

Uncollected debt costs not only include the cost of the product sold and the lost profit but they also mean administrative costs ( letters, bill chasers, etc) that a seller might use to try and recoup some of the initial cost associated with the product. In other words, another impact of nonpayment is the need to chase the reluctant debtor.
# Business/Companies/Workday

Workday, Inc. is an on‑demand (cloud-based) financial management and human capital management software vendor.
# Business/Companies/WLCCC

* How much time does it take to set up a company? On 29.10.15 a team started with the challenge to do it in 72 hours.
* In this learning project you can find more information about WLCCC (White Label Coffee Concept Company).

## Index

* Agenda
* Customers
* Hackaton
* Organization
* Publicity
* Terminology
* To-do
* Website
# Business/Companies/WLCCC/Agenda

See also: http://dutchopenhackathon.com/index.php#agenda
* 14.00 Team-up final briefing/gathering @whitelabelcoffee, Jan Evertsenstraat 136, 1056 ek amsterdam
* 17:00 Round table (open to everyone); @B. Amsterdam, 763A Johan Huizingalaan, 1066 VH Amsterdam
* 18:00 Hackathon launch: welcome & participants check-in
* 19:00 Hackathon presentation: objectives, challenges, partners and datasets
* 19:30 Pitch ideas
* 20:30 Team building & mentoring
* 21:00 Start creating
# Business/Companies/WLCCC/Customers

Can we also find a launching customer in 72 hours?

## To-do

Possible actions
* Through publicity we expect to talk to prospects.
# Business/Companies/WLCCC/Hackaton

WLCCC will be present at the Dutch Open Hackaton (http://www.dutchopenhackathon.com).
# Business/Companies/WLCCC/Website

* For a first version of the website the suggestion is to use WordPress.
* We like the functionality that Part-up created: https://newblog.part-up.com/blogs/innovisie-kick-off
* We also like: https://whitelabelcoffee.nl/

## To-do

Prio 1
* Thema bepalen: http://themeforest.net; CoolBaby: http://themeforest.net/item/coolbaby-original-woocommerce-theme/12814077?s_phrase=&s_rank=1
* Logo: three options where showed in WhatsApp group
* Zuid Afrika: 69 dollar-website; Jelte is checking this option
* Set up WordPress environment: possible provider is Webreus https://www.webreus.nl/
Possible actions
Done
* whitelabelcoffee: Tim contacted whitelabelcoffee (+31 (0) 20 737 1359); he spoke to Francesco Grassotti, the founders of (http://www.specialtycoffee.nl/nieuws/recent/artikel/1543/open-white-label-coffee-in-amsterdam/) Elmer Oomkes en
* Domain reservation: The following domains have been reserved: Wlccc.nl, Whitelabelcompany.nl, Whitelabelconcept.nl

## Content

This acceleration vehicle called the White Label Company turns idea’s into concepts, makes it operational in the relevant context and boosts business models.
By our fast understanding of complex large organizations and its value chains we identify immediate potential for start-ups to add value. By encouraging and guiding these start-ups and its deliverables to seamlessly embed it.
through our in-house developed model called ‘Innervate cycle tm’ combined with our entrepreneurial skills, many years of experience within Large Scale Company’s we connect start-ups, ideas and potential to corporates, using White Label as the temporary carrier into the destined organization
we understand the start-ups, the drive and characteristics of this new workforce we connect to generation X-Y-Z where inspiration is key we are connected to the corporates (C-Level) through years of personal track records we are conceptual thinkers which have proven to make it happen connected to the past, we design the future. through our large network and being on top of market, we are natural incubators
our ambition is to accelerate innovation our vision is that being adaptive is the new standard our approach is coach, educate and guide start-ups, bring them under the ‘White Label’ umbrella and adapt to the corporate environment where they are needed the most
# Business/Companies/WLCCC/Terminology

* Chapter:
* Special purpose entity: https://en.wikipedia.org/wiki/Special_purpose_entity
* Tribe:
* White label: https://en.wikipedia.org/wiki/White-label_product
# Business/Companies/WLCCC/Organization

This afternoon we will add a picture of the organization of WlCCC.
* Organizer: https://nl.linkedin.com/in/anilbalgobind/nl
* Operations: https://nl.linkedin.com/in/jeltebaerends/nl
# Business/Companies/WLCCC/Publicity

On this page you can find information to generate publicity.

## To-do

Done
# Business/Companies/WLCCC/To-do
## Prio 1

* Creating the agenda for the next 60 hours.
* Visualisation of dream
* Website

## Prio 2

* Customers of WLCCC

## Done

* Setting up part-up
* Setting up learning project on English Wikiversity
* Domain registration
# Evidence-based assessment/Pediatric Symptom Checklist

HGAPS is finding new ways to make psychological science conferences more accessible!
Here are examples from APA 2022 and the JCCAP Future Directions Forum. Coming soon... ABCT! ~ More at HGAPS.org ~
The Pediatric Symptom Checklist (PSC) is a 35-question psychological assessment tool designed to evaluate and identify cognitive, emotional, and behavioral problems in children and adolescents.

## Scoring and interpretation
### Question breakdown

The PSC and Y-PSC include three subscales, the questions of which evaluate a given symptom set:
* Attention problems subscale: questions 4, 7, 8, 9, and 14
** A score of 7 or higher on this subscale indicates significant impairments in attention.
* Internalizing problems subscale: questions 11, 13, 19, 22, and 27
** A score of 5 or higher on this subscale indicates significant symptoms of anxiety and depression.
* Externalizing problems subscale: questions 16, 29, 31, 32, 33, 34, and 35
** A score of 7 or higher on this subscale indicates significant problems with conduct.

### Scoring

Scoring the PSC is based on a 0-2 scale, with each question being scored as follows based on responses:
* 0 points: 0, meaning "never"
* 1 point: 1, meaning "sometimes"
* 2 points: 2, meaning "often"

### Cutoffs

Scores are summed to yield the total score. Cutoff scores vary based on the measure format and on age:
* PSC:
** For children ages 4 and 5, a score of 24 or higher indicates significant psychological impairment.
** For children ages 6 to 16, a score of 28 or higher indicates significant psychological impairment.
* Y-PSC:
-For adolescents of all ages, a score of 30 or higher indicates significant psychological impairment.
* PSC-17:
** For children of all ages, a score of 15 or higher indicates significant psychological impairment.
* 1 2
# Evidence-based assessment/Portfolio template/What is a "portfolio"

HGAPS is finding new ways to make psychological science conferences more accessible!
Here are examples from APA 2022 and the JCCAP Future Directions Forum. Coming soon... ABCT! ~ More at HGAPS.org ~

## "What is an Assessment Portfolio"?

The "portfolios" are toolkits pulling together high-quality information and resources about evidence-based assessment. They are organized by disorder or clinical issue, in a structure similar to the way that handbook chapters or review articles would approach a topic. The goal is to make the material easy for clinicians to find, navigate, and use. Each covers the following sections:
* Base rates in different settings,
* Diagnostic criteria and considerations (ICD-10 diagnostic criteria),
* Assessment resources,
* Diagnostic interviews,
* Progress measures, and
* Outcome measures.
The materials also include administration information, psychometric data, scoring information, and links to the measures themselves. They are grouped as:
* Rating scales and checklists (including screeners, severity measures, risk checklists). These can often be done online, mailed ahead of time, or completed in the waiting room.
* Diagnostic interviews, observational ratings, and things that finalize diagnosis, case formulation, and initial treatment plan. These are typically done during the first session, or intake interview.
* Progress and Outcome measures. These could be rating scales that are repeated because they are sensitive to change and treatment effects, or diaries, mood charts, daily report cards, or passive data collection via actigraphy and smart phone apps. These are done after the first session, and may be repeated over the course of treatment, or even after treatment ends to monitor for possible relapse.

## List of Portfolios by Disorder or Clinical Issue

A complete list of portfolios is available here, which you can sort by age and broad category.

## Instructions for Portfolio Editors

* All instances where you need to replace general phrases are noted by parentheses and are in bold. Ex. (insert portfolio name)
* Anything marked by 4 asterisks is merely instructional and for your use when adapting the template to a real portfolio; any asterisked material should be deleted in your actual portfolio.
* For example: "****Below are two examples of with what you should put in this table."
* Make sure to delete this code in the final portfolio.

## Beginning a New Portfolio

* If you would like to create a new assessment portfolio that does not already exist then contact HGAPSclub@gmail.com for assistance.
# English-Chinese/Vertebrate

A vertebrate is an animal with a spinal cord surrounded by cartilage or bone. The word comes from vertebrae, the bones that make up the spine. Animals that are not vertebrates are called invertebrates. Vertebrates include birds, fish, amphibians, reptiles, and mammals.
脊椎动物 是 脊髓 被 软骨 或 骨 包围的 动物。这个 词 来自 脊椎，构成 脊柱的 骨头。不是 脊椎动物的 动物 称为 无脊椎动物。脊椎动物 包括 鸟类，鱼类，两栖动物，爬行动物 和 哺乳动物。
# English-Chinese/Visual hallucinations occur in roughly a third of people with schizophrenia

Visual hallucinations occur in roughly a third of people with schizophrenia.
大约三分之一的精神分裂症患者会出现视幻觉。
# English-Chinese/Very low blood pressure can cause a shock

Very low blood pressure can cause a shock. The symptoms include:
* Confusion, especially older people
* Low body temperature, sweaty, pale face
* Rapid breathing
* Rapid pulse
极低的血压会导致休克。症状包括：
* 迷惘，尤其是老人
* 体温低，出冷汗，面色苍白
* 呼吸急促
* 脉搏急速
# English-Chinese/Virus

A virus is a microscopic parasite which can infect living organisms and cause disease. It can make copies of itself inside another organisms cells. Viruses consist of nucleic acid + a protein coat. Usually the nucleic acid is RNA; sometimes it is DNA.
病毒 是 一种 微观寄生虫，可以 感染 生物体 并 导致 疾病。它 可以 在 另一个 有机体 细胞内 复制自身。病毒 由 核酸 + 蛋白质外壳 组成。通常 核酸 是 RNA；有时 它是 DNA。
# English-Chinese/Vegetarian sources of proteins include legumes, nuts, seeds and fruits

Vegetarian sources of proteins include legumes, nuts, seeds and fruits.
蛋白质的素食来源包括豆类，坚果，种子和水果。
# English-Chinese/Velocity

Velocity is a measure of how fast something moves in a particular direction. In other words, a velocity is a speed with a direction. For instance, if an object moves east at 9 metres per second (9m/s), we would say that its velocity is 9 m/s to the east.
速度 是 衡量 某物 在 特定 方向上 移动 速度的 指标。换句话说，速度 是 有 方向的 速度。例如，如果 一个 物体 以 每秒 9米（9米/秒）的 速度 向东 移动，我们 可以 说 它的 速度 是 向东 9米/秒。
# English-Chinese/Very bad heart rhythms may make the heart stop pumping blood

Very bad heart rhythms may make the heart stop pumping blood.
非常糟糕的心律可能使心脏停止泵血。
# English-Chinese/Vietnam

Vietnam is a country in Southeast Asia. The neighboring countries of Vietnam are China, Laos, and Cambodia. The capital of Vietnam is Hanoi. The biggest city is Ho Chi Minh City (formerly Saigon). There are about 95 million people living in Vietnam.
越南是东南亚的一个国家。越南的邻国是中国，老挝和柬埔寨。越南的首都是河内。最大的城市是胡志明市（原西贡）。大约有9500万人生活在越南。
# English-Chinese/Vision problems caused by cataracts increase the risk of falls and depression

Vision problems caused by cataracts increase the risk of falls and depression.
白內障引起的視力問題增加跌倒和抑鬱的風險。
# Classified Kingdoms/Animalia
## How is the Animalia Kingdom different from Kingdoms?

See below info.

## Enemies (Threats)

Each and every animal in the Animalia Kingdom is a predator, an enemy to different animals inside the Animalia Kingdom. An example is a Cat eating a mouse and a Tiger eating an Antelope, they are all animals. We are also Animals! Yes, us! We are the most intelligent animals, we usually eat different meats (cow, pig, sheep, goat etc.).

## Habitat

Different Animals have different habitats, such as a tiger living in the open deserts or forests, and a whale living in the water.

## Picture or Physical Description (include color)

* A tiger having black and white stripes.
* A moose, black or brown with huge horns.

## Food

Different animals have different cravings, so that we don't always need a tiger and another animal as an example, different animals are classified:
* Herbivores, animals who eat plants only, some examples are Panda and a Grasshopper (most of the time).
* Omnivore, animals that eat plants and animals, an example is us Humans!
* Carnivores, animals that eat only animals, an example are tigers.

## Specialized Body Parts

Different animals have different body parts, like tiger has claws and we have hands!

## Movement

Different animals in the Animalia Kingdom have different movements. One example is that tigers walk with arms and feet, while fish have fins to swim. The tiger and the fish have different ways of moving around in their environment.
# Classical guitar
## The Classical guitar

* Classical guitar pedagogy
* Classical guitar technique

## Links

* Classical guitar on Wikipedia
* Classical guitar Workbook

## See Also

* School of Music
# Classical guitar pedagogy
## Classical guitar Methods

* Gaspar Sanz (1640-1710) - Instucción de música sobre la Guitarra Española
* Federico Moretti - Principios para tocar la guitarra de seis òrdenes (Madrid, 1799)
* Ferdinando Carulli (1770-1841) (Italy) - Méthode complette, op.27 (Paris, 1810)
* Fernando Sor (1778-1839) (Spain)
"Method for the Spanish Guitar"
First published in French under the name “Méthode pour la Guitare” (Paris, 1830) and then translated in English under the name “Method for the Spanish Guitar” in 1832. This Famous method for the guitar has justly been called "the most remarkable book ever published on the guitar".
* Dionisio Aguado (1784-1849)
"Guitar School" (Escuela de guitarra, Madrid, 1825).
Nuevo Méthode para Guitarra (Madrid, 1843)
* Matteo Carcassi (1792-1853) (Italy) - Méthode complète pour la guitare, op.59 (Paris, 1836)
* Francisco Tárrega died before he was able to conclude his intention to publish a method of guitar at the request of the violinist Juan Manen.
* Emilio Pujol (1886-1980) (Spain) - The Emilio Pujol guitar method, by Daniela Polcher. (French)
* Abel Carlevaro (1918-2002) School of the Guitar
* Suzuki method
Published in seven volumes.
* Kodály Method
By Luke Dunlea
Additional incomplete information is available here: Classical guitar methods

## Famous guitar teachers
### Nineteenth century

* Fernando Sor (1778-1839) (Spain)
** Teachers:
** Students: Napoléon Coste (1806-1883) (France)
* Dionisio Aguado (1784-1849) (Spain)
** Teachers:
** Students:
* Francisco Tárrega (1852—1909) (Spain)
** Teachers: Julián Arcas
** Students: Emilio Pujol (1886-1980) (Spain), Miguel Llobet (1878-1938)

### Twentieth century

* Miguel Llobet (1878-1938)
** Teachers: Francisco Tárrega
** Students:María Luisa Anido
* Emilio Pujol (1886-1980) (Spain)
** Teachers: Francisco Tárrega
** Students: Alberto Ponce (*1935)
* Regino Sainz de la Maza
** Teachers:
** Students: Alirio Diaz (*1923)
* Andrés Segovia (1893-1987)
** Teachers: Self-taught, but influenced by Miguel Llobet
** Students: John Williams (*1941) (Australia), *Eliot Fisk (*1958), José Tomás
* Aaron Shearer
** Teachers:
** Students: Manuel Barrueco
* José Tomás (1934-2001)
** Teachers: Andrés Segovia, Emilio Pujol
** Students:
* Alberto Ponce (*1935)
** Teachers: Emilio Pujol
** Students: Roland Dyens (*1955) (France)
* Abel Carlevaro (1916-2001)
** Teachers: Andrés Segovia
** Students: Eduardo Fernandez, Marcelo Kayath
# Classified Kingdoms/Plantae
## How is the Plantae Kingdom different from other Kingdoms?

See below information.

## Cell Structure

* Fern Walls
* Conifers
* Mosses
* Green Algae

## Habitat

Plants are everywhere. But most commons areas for Plantae-s to be around are:
* Forests
* Rare Plants live in Deserts.
* Places with nearby water.

## Food

Using photosynthesis.

## Parts of the Organism

Main cells:
* Nucleus
* Cell Membrane
* Stems
* Seeds and...
* Cell Chromosome

## Importance of Humans

Oxygen - Plants give out oxygen by Photosynthesis, breathing in Carbon Dioxide.
Food - Such as wheat, grains, rice and many other foods.
Beauty - Decorations, Appearance.
# Classified Kingdoms

In biology, kingdom is the second highest taxonomic rank, just below domain. Kingdoms are divided into smaller groups called phyla.
Traditionally, some textbooks from the United States used a system of six kingdoms (Animalia, Plantae, Fungi, Protista, Archaea/Archaebacteria, and Bacteria/Eubacteria) while textbooks in countries like Great Britain, India, Greece, Australia, Latin America and other countries used five kingdoms (Animalia, Plantae, Fungi, Protista and Monera).

## Kingdoms

* Animalia
* Archaea
* Fungi
* Monera
* Plantae
* Protista

## See Also

* Wikipedia: Kingdom (biology)
# Classical mechanics (MIT)
### Course equivalences

MIT 8.08

### Mathematical background

The most important new concept for classical mechanics are the Euler-Lagrange equations.

### Bulletin board

I have the Landau and Thornton texts listed on the MIT required texts page. Are there any online texts for students who don't currently have these? Thanks for this study guide! Ron 15:04, 22 August 2006 (UTC)

### Study hints

The basic study hint is to start with the Langrangian and just mechanically do with Euler-Langrange calculations until it is second nature. One thing that I found useful is to just skim the theory and the proofs, and focus on the mechanics of how to work out the problem. Roadrunner 15:29, 22 August 2006 (UTC)
The other problem is that Classical mechanics courses tend to take a historical approach and they leave out a lot of cool stuff like Study guide:Chaos theory. Something useful to look at is Dynamics, the Geometry of Behavior from http://www.aerialpress.com/, which is my model for what a physics textbook should look like. Roadrunner 15:42, 22 August 2006 (UTC)
    What about the classical text by Goldstein? That might be useful too. --HappyCamper 17:12, 22 August 2006 (UTC)

### Resources

* MIT Course
* Structure and Interpretation of Classical Mechanics - Just a note, this is a good text, but it does not have enough worked out problems.
# Classical guitar technique/EADGBE

A solid knowledge of the fretboard is essential to playing classical style guitar. The fretboard is set up starting with the lowest to the highest strings in this fashion;
Key of Cmajor up to the 5th fret. (No sharps or flats).
# Book Reviews/Cradle to Cradle

Cradle to Cradle is book that was coauthored by William McDonough and Michael Braungart and self-Published in 2002. Bearing the slogan, "Remaking the way we make things," Cradle to Cradle sets out to address the concept of waste by design, and offer us a radically different yet familiar solution.

#### Introduction: This book is not a tree

IIn the introduction, William and Michael are introduced as an architect and a chemist respectively, and their storied reasons for starting the c2c movement are outlined. Main Points:
* Bill's quote, "design is a signal of intention."
    what is our intention?
* Can we design products that "[love] all the children, of all species, for all time?"[1]
* Can we, the human species, leave an ecological footprint on this planet that we can "delight in, not lament?" [2]

#### Chapter One: A Question of Design

NoahBonn 19:35, 14 August 2011 (UTC)