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HandWiki is the world's largest wiki-style encyclopedia dedicated to science, technology and computing. It allows you to create and edit articles as long as you have external citations and login account. In addition, this is a content management environment that can be used for collaborative editing of original scholarly content, such as books, manuals, monographs and tutorials.

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Real Estate Broker
A real estate broker, real estate agent or realtor is a person who represents sellers or buyers of real estate or real property. While a broker may work independently, an agent usually works under a licensed broker to represent clients. Brokers and agents are licensed by the state to negotiate sales agreements and manage the documentation required for closing real estate transactions. In North America, some brokers and agents are members of the National Association of Realtors (NAR), the largest trade association for the industry. NAR members are obligated by a code of ethics that go above and beyond state legal requirements to work in the best interest of the client. Buyers and sellers are generally advised to consult a licensed real estate professional for a written definition of an individual state's laws of agency, and many states require written disclosures to be signed by all parties outlining the duties and obligations. Generally, real estate brokers/ agents fall into four categories of representation: A real estate broker typically receives a real estate commission for successfully completing a sale. Across the U.S. this commission can generally range between 5-6% of the property's sale price for a full service broker but this percentage varies by state and even region. This commission can be divided up with other participating real estate brokers or agents. Flat-fee brokers and Fee-for-Service brokers can charge significantly less depending on the type of services offered.
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Topic Review
List of Numerical Analysis Software
Listed here are end-user computer applications intended for use with numerical or data analysis:
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Paleoconservatism
Paleoconservatism (sometimes shortened to paleocon) is a conservative political philosophy stressing tradition, limited Federal government and civil society, along with religious, regional, national and Western identity.[lower-alpha 1] According to the international relations scholar Michael Foley, "paleoconservatives press for restrictions on immigration, a rollback of multicultural programmes, the decentralization of federal policy, the restoration of controls upon free trade, a greater emphasis upon economic nationalism and non-interventionism in the conduct of American foreign policy, and a generally revanchist outlook upon a social order in need of recovering old lines of distinction and in particular the assignment of roles in accordance with traditional categories of gender, ethnicity, and race". Practitioners of this philosophy identify themselves as the legitimate heirs to the American conservative tradition. The nativist politician Pat Buchanan was strongly influenced by the Rockford Institute's Chronicles and helped create another paleoconservative publication, The American Conservative. Paleoconservativism's concerns overlap those of the Old Right that opposed the New Deal in the 1930s and 1940s as well as American social conservatism of the late 20th century expressed, for example, in the book Single Issues by Joseph Sobran. The political theorist Paul Gottfried is credited with coining the term in the 1980s. He says the term originally referred to various Americans, such as conservative and traditionalist Catholics and agrarian Southerners, who turned to anti-communism during the Cold War.
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IEEE 802.11ax
IEEE 802.11ax, marketed as Wi-Fi 6 by Wi-Fi Alliance, is a draft Wi-Fi specification standard, and the proposed successor to Wi-Fi 5. The 802.11ax standard is expected to become an official IEEE specification in September 2020. It is designed to operate in licensed exempt bands between 1 and 6 GHz when they become available for 802.11 use. All Wi-Fi 6 devices work over the previously allocated 2.4 and 5 GHz bands. The Wi-Fi 6E designation is for products that also support the standard over 6 GHz. Devices presented at CES 2018 claimed a combined 11 Gbit/s of theoretical data rates. For dense deployments, throughput speeds are 4× higher than IEEE 802.11ac, even though the nominal data rate is just 37% faster at most. Latency is also down 75%. To improve spectrum efficient utilization, the new version introduces better power-control methods to avoid interference with neighboring networks, orthogonal frequency-division multiple access (OFDMA), higher order 1024-QAM, and up-link direction added with the down-link of MIMO and MU-MIMO to further increase throughput, as well as dependability improvements of power consumption and security protocols such as Target Wake Time and WPA3.
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Division of Labour
The division of labour is the separation of tasks in any economic system or organisation so that participants may specialise (specialisation). Individuals, organizations, and nations are endowed with or acquire specialised capabilities and either form combinations or trade to take advantage of the capabilities of others in addition to their own. Specialised capabilities may include equipment or natural resources as well as skills and training and combinations of such assets acting together are often important. For example, an individual may specialise by acquiring tools and the skills to use them effectively just as an organization may specialize by acquiring specialised equipment and hiring or training skilled operators. The division of labour is the motive for trade and the source of economic interdependence. Historically, an increasing division of labour is associated with the growth of total output and trade, the rise of capitalism, and the increasing complexity of industrialised processes. The concept and implementation of division of labour has been observed in ancient Sumerian (Mesopotamian) culture, where assignment of jobs in some cities coincided with an increase in trade and economic interdependence. Division of labour generally also increases both producer and individual worker productivity. After the Neolithic Revolution, pastoralism and agriculture led to more reliable and abundant food supplies, which increased the population and led to specialisation of labour, including new classes of artisans, warriors, and the development of elites. This specialistion was furthered by the process of industrialisation, and Industrial Revolution-era factories. Accordingly, many classical economists as well as some mechanical engineers such as Charles Babbage were proponents of division of labour. Also, having workers perform single or limited tasks eliminated the long training period required to train craftsmen, who were replaced with lesser paid but more productive unskilled workers.
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2008–2009 Kenya Drought
Template:Infobox famine Between 2008 and early 2010, Kenya, one of the countries of Eastern Africa, was affected by a severe drought, which put ten million people at risk of hunger and caused a large number of deaths to livestock in Kenyan Arid and Semi-Arid Lands (ASALs), constituting around 88% of the country. The areas which experienced the worst effects were Northern Kenya, Somalia and Southern Ethiopia, most severely in Kajiado and Laikipia. These predominantly pastoral regions reported deaths of up to half of the livestock. Droughts in Kenya have become more frequent causing crop failures and devastation as three-quarters of the population are sustained by agriculture.
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Biological Photovoltaics
Biological photovoltaics (BPV) is an energy-generating technology which uses oxygenic photoautotrophic organisms, or fractions thereof, to harvest light energy and produce electrical power. Biological photovoltaic devices are a type of biological electrochemical system, or microbial fuel cell, and are sometimes also called photo-microbial fuel cells or “living solar cells”. In a biological photovoltaic system, electrons generated by photolysis of water are transferred to an anode. A relatively high-potential reaction takes place at the cathode, and the resulting potential difference drives current through an external circuit to do useful work. It is hoped that using a living organism (which is capable of self-assembly and self-repair) as the light harvesting material, will make biological photovoltaics a cost-effective alternative to synthetic light-energy-transduction technologies such as silicon-based photovoltaics.
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Hypothecation
Hypothecation is the practice where a debtor pledges collateral to secure a debt or as a condition precedent to the debt, or a third party pledges collateral for the debtor. A letter of hypothecation is the usual instrument for carrying out the pledge. A common example occurs when a debtor enters into a mortgage agreement, in which the debtor's house becomes collateral until the mortgage loan is paid off. The debtor retains ownership of the collateral, but the creditor has the right to seize ownership if the debtor defaults. The main purpose of hypothecation is to mitigate the creditor's credit risk. If the debtor cannot pay, the creditor possesses the collateral and therefore can claim its ownership, sell it and thus compensate the lacking cash inflows. In a default of the obligor without previous hypothecation, the creditor cannot be sure that it can seize sufficient assets of the debtor. Because hypothecation makes it easier to get the debt and potentially decreases its price; the debtor wants to hypothecate as much debt as possible – but the isolation of 'good assets' for the collateral reduces the quality of the rest of the debtor's balance sheet and thus its credit worthiness. The detailed practice and rules regulating hypothecation vary depending on context and on the jurisdiction where it takes place. In the US, the legal right for the creditor to take ownership of the collateral if the debtor defaults is classified as a lien. Rehypothecation occurs mainly in the financial markets, where financial firms re-use the collateral to secure their own borrowing. For the creditor the collateral not only mitigates the credit risk but also allows refinancing more easily or at lower rates; in an initial hypothecation contract however, the debtor can restrict such re-use of the collateral.
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Topic Review
Child Lying
Child lying refers to children displaying varying degrees of deceptive behavior in a social situation. Children have been observed lying as early as age 2 and their deceptive skills increase sharply as they mature into adolescence. Children who have advanced cognitive skills for their age have an increased tendency to begin lying at earlier ages. Children may lie for various reasons including, but not limited to, escaping punishment for not obeying a task (such as eating a cookie when told not to), through observation of their parents and peers, or lacking a comprehensive understanding of basic morality. Well known psychologists such as Jean Piaget and Lawrence Kohlberg placed particular importance on the cognitive development of children. Moral reasoning is a function of increased cognitive abilities in the brain in conjunction with socialization within the established moral codes of a culture and society. Children's cognitive abilities increase as the brain develops and as the child matures and gains more experience interacting with his surrounding environment. Research and experimentation has validated and expanded upon the premise of cognitive functioning maintaining a leading role as the mechanism that drives the fabric of human behavior.
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Solarisation
Pseudo-solarisation (or pseudo-solarization) is a phenomenon in photography in which the image recorded on a negative or on a photographic print is wholly or partially reversed in tone. Dark areas appear light or light areas appear dark. The term is synonymous with the Sabatier effect when referring to negatives. Solarisation and pseudo-solarisation are quite distinct effects. In short, the mechanism is due to halogen ions released within the halide grain by exposure diffusing to the grain surface in amounts sufficient to destroy the latent image.
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