Samantha912/NLP_A2_WTH huggingface dataset:
Terms pertaining to American mortgages include:

Main two types

Origination and Re-Financing
Origination: starting from the scrap, Ex, A person wants to buy a home and goes to the bank for the same will get loan of 80% of their LTV. 
Re-finance: defaulted borrower can apply for the same refinancing procedure to re modify the loan term, interest rate.

Mortgage types
Adjustable rate mortgage or ARM - A mortgage where the interest rate adjusts relative to a specified index + margin.  E.g. COFI, LIBOR etc.
 Hybrid ARM - An adjustable rate mortgage where the initial 'start' rate is fixed for some portion of time (3,5,7, or 10 years) thereafter the interest rate adjusts (yearly or bi-annually) based on the sum of a specified index + margin. E.g. 2/28 Arm, 3/1 Arm, 5/1 Arm, 7/1 Arm, 10/1 Arm, 3/6month arm, etc...
Fixed rate mortgage or FRM - A mortgage where the interest rate and payment are fixed for the term of the loan.
Negative amortization mortgage - where the payment may be less than the monthly accrued interest, and the outstanding interest is capitalized monthly into the loan balance.
Balloon payment mortgage - A mortgage most commonly used in commercial real estate. The Balloon payment mortgage does not fully amortize over the term of the note, which leaves a balance due at maturity, known as a "balloon payment."
Interest only mortgage - A type of mortgage where the borrower pays only the accruing interest on the principal balance. These payments on interest leave the principal balance unchanged.

Terminology
Yield spread premium
A par rate is the lowest interest rate a borrower qualifies for, given by the lender.
Reset: interest rate and thus payments change periodically on ARMs.

See also
Mortgage loan
UK mortgage terminology

Mortgage
Mortgage industry of the United States
Wikipedia glossaries using unordered lists
A Serpentine Dance () was an 1896 French silent film directed by Georges Méliès. It was released by Méliès's company Star Film and is numbered 44 in its catalogues. The film is currently presumed lost.

References

External links 
 

1896 films
French black-and-white films
French short documentary films
French silent short films
Films directed by Georges Méliès
Lost French films
1890s dance films
French dance films
1890s short documentary films
1890s lost films
1890s French films
Sheberghan Airfield  is located in the Jowzjan Province in the northwest part of Afghanistan. The airfield is located in a plain adjacent to a river,  northeast of Sheberghan,  west of Aqchah, and  east of Andkhoy.

Facilities
The airport resides at an elevation of  above mean sea level. It has two parallel runways: 06L/24R with an asphalt surface measuring  and 06R/24L with a gravel surface measuring .

The downward sloping runway is gravel base with a small cement run-up pad at the south end. The runway is slightly damaged. There aren't any facilities.

See also
List of airports in Afghanistan

References

External links
 
 Airport record for Sheberghan Airfield at Landings.com.

Airports in Afghanistan
Jowzjan Province
SS Santa Paula may refer to:

, was a cargo and passenger ocean liner built in 1916 for the Grace Line, used during World War I as the USS Santa Paula (ID-1590), then returned to civilian service and sunk by a torpedo in 1943
, was a cargo and passenger ocean liner built in 1932 for the Grace Line, used during World War II as the USAT Santa Paula, then returned to civilian service and scrapped in 1971
, a T2 tanker built in 1945 for Union Oil of California. Scrapped in 1991
, was a cargo and passenger ship built for the Grace Line in 1958, and scrapped in 2002

Ship names
Measure 23 (2002) was a legislatively referred state statute that would have created a single-payer health care system to provide health care to every person in the U.S. state of Oregon. The proposal would have merged all the various funding streams—personal and employer taxes, federal health programs, and the state workers' compensation system—into a single financing system. The system would have covered 100% of medically necessary health care costs with no deductibles or cost sharing. Prescription drugs, preventive care, mental health services, long-term care, dental and vision care, and many alternative therapies would have been covered as well.

The measure was rejected by voters in the general election on November 5, 2002.

Results

See also
Oregon Health Plan
Oregon Ballot Measure 50 (2007)
Health care reform in the United States
List of Oregon ballot measures

References

2002 Oregon ballot measures
Healthcare reform in Oregon
Healthcare ballot measures in the United States
The Black Dahlia is a nickname given to 1940s murder victim Elizabeth Short.

Black Dahlia or The Black Dahlia may also refer to:

Works based on the murder 
 Who Is the Black Dahlia? (1975 TV movie)
 The Black Dahlia (novel), by James Ellroy
 The Black Dahlia (film), by Brian De Palma, based upon Ellroy's novel
 The Black Dahlia (graphic novel), by Alexis Nolent and David Fincher, also based on Ellroy's novel
 Black Dahlia (film), by Ulli Lommel
 Black Dahlia (video game), a 1998 computer adventure game

Music 
 The Black Dahlia Murder (band), a melodic death metal band
 "Black Dahlia" (song), a 2008 song by Hollywood Undead
 "Black Dahlia", a song by Anthrax from We've Come for You All
 The Black Dahlia, a 2001 jazz orchestral composition by Bob Belden
 "Black Dahlia", a song by Porcupine Tree from The Incident
 "Black Dahlia", a song by Angel Haze from Dirty Gold

See also
 Black Dalia, a 2009 Indian film 
 Blag Dahlia (born 1966), punk rock musician and lead singer of The Dwarves
 Dahlia (disambiguation)
 Black Dahlia, a character from fighting game, Skullgirls
 Sofia Black-D'Elia (born 1991), American actress
Amalia Georgievna von Mengden (; 1799-1864), was a Russian entrepreneur. She was one of the first female  money industrialists in Russia. She was married to General baron Mikhail von Mengden. She managed the Mengden tablecloth factory in Saint Nicholas in the Kostroma Governorate in 1830-1864.

References
   Отрывки семейной хроники  (из воспоминаний баронессы Софии Менгден), в журнале «Русская старина», 1908, апрель, стр. 99.
   Фабрика в 1843 году в  Исследованиях о состоянии льняной промышленности в России. СПб, 1847

1799 births
1864 deaths
19th-century businesspeople from the Russian Empire
Russian women in business
People from Vichuga
People from the Russian Empire of German descent
Amalia von Mengden
Bruno Degazio (born March 31, 1958) is a composer, researcher and film sound designer based in Ontario, Canada, where he is also a professor at Sheridan College. Degazio is an expert on computer music.

Education
Degazio received bachelor's and master's degrees in music from the University of Toronto, where he studied music composition with Gustav Ciamaga, as well as Schenkerian analysis, and sound synthesis. He helped establish a contemporary music ensemble, and finished his studies there in 1981.

Career
Degazio is notable for, among other things, implementing computer music algorithms that were devised by the music theorist Joseph Schillinger, and for designing systems to reverse engineer music production from theories about music theory. He has also studied musical aspects of fractal geometry, for automated composition of music. Degazio was one of the first people in the world to apply fractal techniques to algorithmic composition with some degree of depth.

Degazio is proficient with wind controllers, also known as wind synthesizers. His arrangements for this instrument include works by Johann Sebastian Bach and others. Degazio's work on films led to a Genie award nomination for the film Bye Bye Blues, plus prizes from the Baltimore Film Festival and the Toronto Advertising Awards. He also has developed sound tracks for two 3-D IMAX films at the 1990 World's Fair in Osaka, Japan.

Arrangements of the Goldberg Variations

Degazio has arranged a number of pieces from the Goldberg Variations for other instruments. Following are several examples, performed on electronic wind instrument:

Writings
"Musical aspects of fractal geometry", Proceedings of the International Computer Music Conference, (San Francisco 1986)
"The MIDIFORTH computer music system", Proceedings of Printemps Electroacoustique (Montreal 1987)
"The development of context sensitivity in the MIDIFORTH computer music system", Proceedings of the International Computer Music Conference, (Cologne 1988)
"Fractal geometry and the Schillinger system", GUIDE Diffusion! (Montreal 1988)
"Fractal music: aesthetic and practice", Proceedings of the Steirischer Herbst Festival Chaos and Order (Graz 1989)
Degazio also writes a bi-monthly column, "MIDI buzz", on MIDI applications for computers in Reset Magazine (Ottawa 1987–)

Further Bach transcriptions

Aside from the Goldberg Variations, Degazio has often transcribed other music of J. S. Bach. These employ an electronic wind instrument and/or Yamaha VL1 synthesizer.

References

Canadian composers
Canadian male composers
1958 births
Fractal artists
Living people
Academic staff of Sheridan College
University of Toronto alumni
WKYM (101.7 FM) is a radio station  broadcasting a classic rock format. Licensed to Monticello, Kentucky, United States.  The station is currently owned by Stephen W. Staples Jr.

References

External links

KYM
Classic rock radio stations in the United States
1965 establishments in Kentucky
Radio stations established in 1965
Monticello, Kentucky
Józef Sękalski (1904–1972), also known as Josef Sekalski and Juozapas Senkalskis, was a Polish painter, printer, etcher and illustrator who lived and worked in Scotland.

Biography
Sękalski was born in Turek, central Poland. He joined the Polish Forces in exile in the United Kingdom during World War II. He remained in St. Andrews, in Fife, Scotland, after the war, with his partner Roberta Hodges, a painter herself. Sękalski constructed his printing press himself, from the back axle of a car, a tuck box and some odd items and built the machine on the floor of his apartment at 29 North Street St. Andrews. They had their studio in their own home, The Bell Rock House, at St. Andrews Harbour. Along with Alison and Winifred McKenzie and Annabel Kidston, he belonged to the St. Andrews Group of wood engravers.

Artistic career
Sękalski taught at Glasgow School of Art, and taught Graphic Design at the Dundee Institute of Art and Technology, the later Duncan Of Jordanstone College Of Art, University Of Dundee.

Sękalski illustrated works including A call from Warsaw: an anthology of underground Warsaw poetry (J. Harasowska, 1944). This book was first printed secretly under German occupation in Warsaw in 1940 and was reprinted by the Polish library in 1942. He also provided wood-cut engravings for St. Andrews: Its Character and Tradition (1951), published by The St. Andrews Preservation Trust, and illustrated F.C. Anstruther's Old Polish Legends (1997).

His work is held by museums and galleries, including the McManus Galleries in Dundee.

External links
 Josef Sekalski: Cyril Gerber Fine Art
Jozef Sekalski Auction Price Results, ArtFact

References

Bibliography

1904 births
1972 deaths
20th-century engravers
Polish engravers
20th-century Polish painters
20th-century Polish male artists
People from Turek County
People associated with Fife
Polish male painters
Vanessa Hua is an American journalist and writer based in San Francisco. She is the author of Deceit and Other Possibilities (Willow Books, 2016; Counterpoint Press, 2020)  and A River of Stars (Ballantine)  and the novel, Forbidden City (Penguin Random House, 2022). She is a columnist for the San Francisco Chronicle  and a member of the San Francisco Writers' Grotto. Her fiction has appeared in The Atlantic, ZYZZYVA,  Guernica, and other publications. She received a National Endowment for the Arts awards Literature Fellowship award in 2020.

Awards and critical acclaim  
 2020 National Endowment for the Arts fellowship
 2017 Dr. Suzanne Ahn Award for Civil Rights and Social Justice Reporting
 2017 Finalist, California Book Award
 2016-17 Asian/Pacific American Award for Literature
 2015 Rona Jaffe Writers' Award
 Steinbeck Fellowship in Creative Writing
 San Francisco Foundation's James D. Phelan Award for fiction

Bibliography 

Deceit and Other Possibilities (Willow Publishing  2016)  
A River of Stars (Ballantine Books August 2018) , a novel about San Francisco Chinatown

References

External links 

American women journalists
American women novelists
21st-century American novelists
21st-century American women writers
Living people
Year of birth missing (living people)
Stanford University alumni
Writers from the San Francisco Bay Area
21st-century American non-fiction writers
American writers of Taiwanese descent
Name It and Frame It? is a 1993 book, written by Steve Levicoff, about unaccredited Christian colleges and universities, exploring the accreditation process and the nature of legitimate and illegitimate unaccredited institutions of higher learning.  The fourth edition contains updated information and responses from some of the surveyed schools. The Council for Higher Education Accreditation, the National Center for Science Education, the Palm Beach Post, the Seattle Times, and the New York Post have mentioned the book as a resource. Additionally, it has been cited by numerous authors, including Julie Anne Duncan, Douglas Flather, John Bear and Allen Ezell.

Contents
Levicoff surveys various unaccredited Christian schools as well as providing an explanation about various forms of accreditation. Although in the past Levicoff has criticized the Transnational Association of Christian Colleges and Schools, he notes that TRACS has since "responded positively" to his earlier critiques.

Levicoff argues that a non-accredited school is not necessarily a degree mill. He devotes a chapter to "legitimate unaccredited Christian programs", some notable examples of which include (in the United States): Bob Jones University, Luther Rice University, Messenger College, (all three accredited by TRACS since publication) and (in Canada) Regent College.

Levicoff also surveys "ordination mills", of which one of the more prominent is the Universal Life Church.

The "Institute on Religion and Law", Levicoff's publisher, is a business name used for his personal consulting firm.

Notable universities identified as suspected degree mills

Levicoff identifies several notable schools as suspected degree mills (page numbers identified are from the third edition); accompanying the school is an analysis of the educational programs.

Adam Smith University
Baptist Christian University (author notes it is "affiliated with Louisiana Baptist Theological Seminary") (page 113)
Christian Bible College (Rocky Mount, North Carolina)
Clarksville School of Theology (author used it as an example of a bad institution, as the author noted it was closed by decision of the Tennessee Supreme Court)
Columbia Pacific University
Columbia State University (Metairie, Louisiana)
Fairfax University (New Orleans, Louisiana)
Greenwich University (Hilo, Hawaii)
LaSalle University (Mandeville, Louisiana)
Summit Theological Seminary (Fort Wayne, Indiana)
The Theological University of America (also as the University of America) (New Orleans, Louisiana)
Vision Christian University (Ramona, California) ("is the successor institution to the Logos Bible College") (page 146)

See also
List of unaccredited institutions of higher education

Bibliography
Levicoff, Steve. Name it & Frame It?: New Opportunities in Adult Education and how to Avoid Being Ripped Off by" Christian" Degree Mills. Institute on Religion and Law, 1993.

Footnotes

Religious studies books
1993 non-fiction books
Attorney General Porter may refer to:

Sir Andrew Porter, 1st Baronet (1837–1919), Attorney-General for Ireland
Christian Porter (born 1970), Attorney-General of Australia
Dana Porter (1901–1967), Attorney General of Ontario
William Porter (Attorney General) (1805–1880), Attorney-General of the Cape Colony

See also
General Porter (disambiguation)
The private security industry in South Africa is an industry providing guarding, monitoring, armed reaction, escorting, investigating and other security-related services to private individuals and companies in the country. Over the years there has been tremendous growth in the private security industry, not only in South Africa, but also in the rest of the world. The private security industry in South Africa is the largest in the world, with over 10,380 registered companies and over 2.5 million registered security guards of which 556,000 active and a further 2 million reserves; many times more than the available personnel of the South African Police Service and South African Army, combined Studies have shown that South Africa had 2.57 private security personnel for every police employee. This is attributed by some to the country's relatively high levels of crime to a lack of public funds from Parliament towards the South African Police Service (SAPS) or to an increasing trend in many countries towards government outsourcing of certain security functions. Others have suggested the number of high-wealth individuals in South Africa in comparison with the rest of Africa has led to the growth of the industry.

Regulation 
The private security industry in South Africa is regulated by the Private Security Industry Regulatory Authority, based in Centurion, Gauteng. The authority was established by the Private Security Industry Regulation Act, 2001 and commenced operations in 2002. The authority has wide-ranging powers relating to the operation of private security companies in South Africa. Private security companies are required by law to be registered with the authority.

2006 private security strikes 

In 2006, private security personnel went on strike across South Africa. The strike lasted 96 days and cost the industry more than a million working days. The strike was supported by the South African Transport and Allied Workers Union and 15 other trade unions. The striking workers looted and damaged property, and committed violent crimes.

Criticism 
The Southern African Catholic Bishops' Conference criticised the private security industry in a 2012 briefing paper. The paper argued that the prevalence of private security in South Africa "perpetuates fear". The paper also noted that the private security industry "only protects the select and privileged group that can afford to pay for security services" and "exacerbates the divide between the wealthy and the poor".

References 

Crime in South Africa
Law enforcement in South Africa
Private security industry
National Institute of Immunology may refer to:

National Institute of Immunology (Instituto Nacional de Inmunología), in Hospital San Juan de Dios, Bogotá, Colombia
National Institute of Immunology, India

See also 
NII (disambiguation)
Calbayog Airport  is an airport serving the general area of Calbayog, located in the province of Samar in the Philippines. The airport is classified as a Class 2 principal (minor domestic) airport by the Civil Aviation Authority of the Philippines, a body of the Department of Transportation that is responsible for the operations of not only this airport but also of all other airports in the Philippines except the major international airports.

Airlines and destinations

Expansion

On August 14, 2014, Philippine Senate President issued statement which included Calbayog Airport in the airport budget priority for 2015 with 678 million pesos allocated.

On May 9, 2017, DOTr begins the construction of new passenger terminal and site development, which also includes a 575-meter runway extension project. It was planned to be finished on April 28, 2019. However, in a progress report announced by the Department of Transportation on November 25, 2019, the construction of the new passenger terminal was then 77% complete, which was way later than the targeted date of completion.

The completion of the new airport terminal and runway extension project was delayed in 2020 due to the COVID-19 pandemic. The new airport terminal including the newly-extended runway were finally inaugurated on May 5, 2021, after almost 4 years of construction. With the new terminal and runway completed, larger jet aircraft can now land and take off from the airport, which means it can accommodate more flights direct from Manila using the Airbus A320.

See also
List of airports in the Philippines

Notes

References

External links

Airports in the Philippines
Buildings and structures in Samar (province)
William M. Feehan is a fireboat built for and operated by the New York City Fire Department (FDNY). Her namesake, William M. Feehan, was the oldest and most senior FDNY firefighter to perish in the line of duty on September 11, 2001. Her nameplate is carved from a steel plate salvaged from the collapse of the World Trade Center. The vessel's $4.7 million cost was largely covered by a FEMA Port Security Grant Program.

The boat is designed to operate in shallow waters, including bay areas close to Laguardia and John F. Kennedy airports. She also has systems to protect those onboard from chemical, biological, radiological and nuclear hazards using a pressurized and filtered cabin.

She was built in Kingston, Ontario, at MetalCraft Marine. Wellwishers gathered to welcome her as she transited the Oswego Canal, Erie Canal, and Hudson River.

The fireboat entered service on November 20, 2015.

Specifications
Constructed by MetalCraft Marine at Kingston, Ontario, William M. Feehan cost $4.7 million to build. The fireboat is  long and powered by three  engines. The vessel has a maximum speed of . William M. Feehan is equipped with five water cannons, projecting 8,000 gallons per minute.

References 

Fireboats of New York City
2015 ships
Ships built in Kingston, Ontario
École supérieure d'électronique de l'Ouest (ESEO) is a French graduate engineering school created in 1956 by Jean Jeanneteau.

It is located in Angers, Dijon, Vélizy and Shanghai, and specializes in the field of electronics.

The college is member of the Conférence des Grandes Écoles.

History 
The 9th of October 1956, Canon Jean Jeanneteau (1908-1992) founded the ESEO in Angers, a "sister school" to the Institut supérieur d'électronique de Paris (ISEP) and the Institut supérieur de l'électronique et du numérique (ISEN). The three schools founded the FESIC, with joint recruitment of students and educational partnerships.

The official name of the school since its creation is École supérieure d'électronique de l'Ouest, but this name is no longer used within the school since 2006 (only "ESEO" or "Groupe ESEO" are used).

Notable alumni 
 Jean-Pascal Tricoire, a French business executive

References

External links 
 

Engineering universities and colleges in France
Grandes écoles
Angers
Dijon