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Find First Time Homebuyer experts and consultants for First Time Homebuyer litigation support at www.ewitness.com. Available to be First Time Homebuyer expert witnesses and provide First Time Homebuyer forensic consulting in First Time Homebuyer litigation, in addition prepare First Time Homebuyer expert witness reports for use in deposition and/or in-court trial testimony.

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ACCIDENT INVESTIGATION

Accidents occur when hazards escape detection during preventive measures, such as a job or process safety analysis, when hazards are not obvious, or as the result of combinations of circumstances that were difficult to foresee. A thorough accident investigation may identify previously overlooked physical, environmental, or process hazards, the need for new or more extensive safety training, or unsafe work practices. The primary focus of any accident investigation should be the determination of the facts surrounding the incident and the lessons that can be learned to prevent future similar occurrences.

ACCOUNTING / BOOKKEEPING / CPAs

Accountancy (profession) or accounting (methodology) is the measurement, disclosure or provision of assurance about information that helps managers and other decision makers make resource allocation decisions. Financial accounting is one branch of accounting and historically has involved processes by which financial information about a business is recorded, classified, summarized, interpreted, and communicated. Auditing, a related but separate discipline, is the process whereby an independent auditor examines an organizations financial statements in order to express an opinion -- that conveys reasonable but not absolute assurance -- as to the fairness and adherence to generally accepted accounting principles, in all material respects.

ADHESIVES

An adhesive is a compound that adheres or bonds two items together. Adhesives may come from either natural or synthetic sources. Some modern adhesives are extremely strong, and are becoming increasingly important in modern construction and industry.

ADVERTISING

Firms in the advertising and public relations services industry prepare advertisements for other companies and organizations and design campaigns to promote the interests and image of their clients. This industry also includes media representatives—firms that sell advertising space for publications, radio, television, and the Internet; display advertisers—businesses engaged in creating and designing public display ads for use in shopping malls, on billboards, or in similar media; and direct mail advertisers. A firm that purchases advertising time (or space) from media outlets, thereafter reselling it to advertising agencies or individual companies directly, is considered a media buying agency. Divisions of companies that produce and place their own advertising are not considered part of this industry.

AFFIRMATIVE ACTION

Affirmative action (U.S. English), or positive discrimination (British English), is a policy or a program aimed at increasing the representation of members of groups that have traditionally been discriminated against. This typically focuses on education, employment, government contracting, health care, or social welfare.

AGRICULTURE

Agriculture (a term which encompasses farming) is the art, science or practice of producing food, feed, fiber and many other desired goods by the systematic raising of plants and animals. Agri is from Latin ager ("a field"), and culture is from Latin cultura, meaning "cultivation" in the strict sense of tillage of the soil. Thus a literal reading of the English word yields tillage of the soil of a field. In actual usage, Agriculture denotes a broad array of activities essential to food and material production, including all techniques for raising and processing livestock (see Animal husbandry) no less than those essential to crop planting and harvesting.

ALCOHOL ABUSE

Alcoholism is the compulsive consumption of alcohol. Some believe it to be a biological disease. The etiology and nature of alcoholism are both currently being debated within the medical and scientific communities and the very definition of alcoholism is a part of that debate. Alcoholism is often a controversial subject and the disease hypothesis represents a focus of the debate.

AMBULANCE

An ambulance is a vehicle designated for the transport of sick or injured people. The first ambulances called by that name were horse ambulances used in the American Civil War. The first practical ambulances were created by Dominique Jean Larrey, a French surgeon (1766–1842), for use in the Napoleonic Wars. Modern-day ambulances are typically large automobiles on a van or light truck chassis.

AMPUTATION

Amputation - a surgical removal of all or part of a limb. Amputation is the removal of a body extremity by trauma or surgery. As a surgical measure, it is used to control pain or a disease process in the affected limb, such as malignancy or gangrene. In some cases, it is carried out on individuals as a preventative surgery for such problems. In Islamic countries, amputation of the hands or feet is sometimes used as a form of punishment for criminals.

AMUSEMENT PARKS

Amusement park is the more generic term for a collection of rides and other entertainment attractions assembled for the purpose of entertaining a fairly large group of people. An amusement park is more elaborate than a simple city park or playground, as an amusement park is meant to cater to adults, teenagers, and small children.

ARBITRATION / MEDIATION

Arbitration is a form of mediation or conciliation, where the mediating party is given power by the disputant parties to settle the dispute by making a finding. In practice arbitration is generally used as a substitute for judicial systems, particularly when the judicial processes are viewed as too slow, expensive or biased. Arbitration is also used by communities which lack formal law, as a substitute for formal law. Mediation consists of a process of alternative dispute resolution in which a (generally) neutral third party, the mediator, using appropriate techniques, assists two or more parties to help them negotiate an agreement, with concrete effects, on a matter of common interest. More generally speaking, the term "mediation" covers any activity in which an impartial third party (often a professional) facilitates an agreement on any matter in the common interest of the parties involved.

ARCHITECTURE

Architecture (from Latin, architectura and ultimately from Greek, αρχιτεκτων, "a master builder", from αρχι- "chief, leader" and τεκτων, "builder, carpenter")[1] is the art and science of designing buildings and structures. A wider definition would include within its scope the design of the total built environment, from the macrolevel of town planning, urban design, and landscape architecture to the microlevel of creating furniture. Architectural design usually must address both feasibility and cost for the builder, and function and aesthetics for the user.

ASBESTOS

Asbestos (a misapplication of Latin: asbestos "quicklime" from Greek ἄσβεστος: a-, "not"; sbestos, "extinguishable") describes any of a group of fibrous metamorphic minerals of the hydrous magnesium silicate variety. The name is derived for its historical use in lamp wicks; the resistance of asbestos to fire has long been exploited for a variety of purposes. It was used in fabrics such as Egyptian burial cloths and Charlemagne's tablecloth, which, according to legend, he threw in a fire to clean. Asbestos occurs naturally in many forms (see below); it is mined from metamorphic deposits.

ASSAULT

Assault is a crime of violence against another person. In some jurisdictions, assault is used to refer to the actual violence, while in other jurisdictions (e.g. some in the United States, England and Wales), assault refers only to the threat of violence, while the actual violence is battery.

AUCTIONS AND E-COMMERCE

An auction is the process of buying and selling things by offering them up for bid, taking bids, and then selling the item to the highest bidder. Auctioning can be traced as far back as 500 B.C.[1] In economic theory, an auction is a method for determining the value of a commodity that has an undetermined or variable price. Auctions can be with reserve or minimum, or without minimums, or absolute or no reserve. In reserve auctions, there is a minimum bid or reserve price; if the bidding does not reach the minimum, there is no sale (but the person who puts the item up for auction may still owe a fee to the auctioneer or auction company). In absolute or no reserve auctions, the sale is guaranteed, with only the price left to be determined. In the context of auctions, a bid is an offered price.

AUDIO TAPE

Audio Magnetic tape is a non-volatile storage medium consisting of a magnetic coating on a thin plastic strip. Nearly all recording tape is of this type, whether used for video, audio storage or general purpose digital data storage using a computer.

AUTO - AIR BAGS

An airbag, also known as a Supplementary/Secondary Restraint System (SRS) or as an Air Cushion Restraint System (ACRS), is a flexible membrane or envelope, inflatable to contain air or some other gas. Air bags are most commonly used for cushioning, in particular after very rapid inflation in the case of an automobile collision.

AUTOMOBILE ACCIDENT

Car accidents are damaging events involving road traffic, particularly automobiles. They can cause damage to vehicles, people or structures. Car accidents — also called traffic collisions, auto accidents, road accidents, personal injury collisions, motor vehicle accidents, and (particularly by American radio traffic reporters) crashes — kill an estimated 1.2 million people worldwide each year, and injure about forty times this number (WHO, 2004). The term "accident" is considered inappropriate by some, as reliable sources estimate that upwards of 90% are the result of driver negligence.

AUTOMOBILE ELECTRICAL SYSTEMS

An automotive electrical systems consists of several different components that provide the electrical power needed to start the car and provides all the functionality in the passenger compartment. Lighting systems, battery and charging system, alternator, grounding system, all power and features like horn, radio, power windows, and door locks, security, wind shield wipers, and more.....

BANK COMPLIANCE

Compliance requirements are a series of directives established by United States federal government agencies that summarize hundreds of federal laws and regulations applicable to Federal assistance. Bank regulations are a form of government regulation which subject banks to certain requirements, restrictions and guidelines, aiming to uphold the soundness and integrity of the financial system. A bank is an institution that provides financial service, particularly taking deposits and extending credit.

BANKING

A bank is an institution that provides financial service, particularly taking deposits and extending credit.

BANKING REGULATION

Bank regulations are a form of government regulation which subject banks to certain requirements, restrictions and guidelines, aiming to uphold the soundness and integrity of the financial system. A bank is an institution that provides financial service, particularly taking deposits and extending credit.

BANKRUPTCY

Bankruptcy is a legally declared inability or impairment of ability of an individual or organization to pay their creditors. A declared state of bankruptcy can be requested by creditors in an effort to recoup a portion of what they are owed; however, in the overwhelming majority of cases, the bankruptcy is initiated by the bankrupt individual or organization.

BATTERIES

In science and technology, a battery is a device that stores chemical energy and makes it available in an electrical form. Batteries consist of electrochemical devices such as one or more galvanic cells, fuel cells or flow cells. The earliest known artifacts that may have been batteries are the Baghdad Batteries, from some time between 250 BCE and 640 CE. The modern development of batteries started with the Voltaic pile developed by the Italian physicist Alessandro Volta in 1800. The worldwide battery industry generates 48 billion dollars in sales annually (2005 estimate).

BICYCLE HELMETS

A bicycle helmet is designed to provide head protection for cyclists. Helmets are most suitable for preventing injury in straight falls, and for reducing friction related damage to the head. Modern bicycle helmets were first developed in the 1970s.

BIOMECHANICS

Biomechanics is the research and analysis of the mechanics of living organisms.

BLOOD BANKING

A blood bank is a cache or bank of blood or blood components, gathered as a result of blood donation, stored and preserved for later use in blood transfusions.

BOILERS

A boiler is a closed vessel in which water or other fluid is heated under pressure. The steam or hot fluid is then circulated out of the boiler for use in various process or heating applications. A safety valve is required to prevent over pressurisation and possible explosion of a boiler.

BUILDING INSPECTION

Construction and building inspectors examine buildings, highways and streets, sewer and water systems, dams, bridges, and other structures to ensure that their construction, alteration, or repair complies with building codes and ordinances, zoning regulations, and contract specifications. Building codes and standards are the primary means by which building construction is regulated in the United States for the health and safety of the general public. National model building codes are published by the International Code Council (ICC), although many localities have additional ordinances and codes that modify or add to the National model codes. To monitor compliance with regulations, inspectors make an initial inspection during the first phase of construction and follow up with further inspections throughout the construction project. However, no inspection is ever exactly the same. In areas where certain types of severe weather or natural disasters—such as earthquakes or hurricanes—are more common, inspectors monitor compliance with additional safety regulations designed to protect structures and occupants during those events.

BUILDING SURVEYING

Surveying is the technique and science of accurately determining the terrestrial or 3D space position of points and the distances and angles between them. These points are usually, but not exclusively, associated with positions on the surface of the Earth, and are often used to establish land maps and boundaries for ownership or governmental purposes. In order to accomplish their objective, surveyors use elements of geometry (latin: measuring the Earth), of engineering, mathematics, physics, and law.

BUS TRANSPORTATION

A bus is a large, motorized, wheeled vehicle intended to carry numerous persons in addition to the driver. The name is a shortened version of omnibus, which means for everyone.

CALL CENTER

A call centre (Commonwealth English) or call center (American English) is a centralized office used for the purpose of receiving and transmitting a large volume of requests by telephone. A call centre is operated by a company to administer incoming product support or information inquiries from consumers. Outgoing calls for telemarketing, clientele, and debt collection are also made. In addition to a call centre, collective handling of letters, faxes, and e-mails at one location is known as a contact centre.

CAMERAS / CAMERA TESTING

A camera is a device used to take pictures (usually photographs), either singly or in sequence, with or without sound recording, such as with video cameras. A camera that takes pictures singly is sometimes called a photo camera to distinguish it from a video camera. The name is derived from camera obscura, Latin for "dark chamber", an early mechanism for projecting images in which an entire room functioned much as the internal workings of a modern photographic camera, except there was no way at this time to record the image short of manually tracing it. Cameras may work with the visual spectrum or other portions of the electromagnetic spectrum.

CANCER - COLON

Cancer that begins in the colon is called colon cancer, and cancer that begins in the rectum is called rectal cancer. Cancers affecting either of these organs may also be called colorectal cancer.

When colorectal cancer spreads outside the colon or rectum, cancer cells are often found in nearby lymph nodes. If cancer cells have reached these nodes, they may also have spread to other lymph nodes, the liver, or other organs.

CANCER - GENERAL

Cancer is a class of diseases or disorders characterized by uncontrolled division of cells and the ability of these cells to invade other tissues, either by direct growth into adjacent tissue through invasion or by implantation into distant sites by metastasis. This unregulated growth is caused by damage to DNA, resulting in mutations to genes that encode for proteins controlling cell division. Many mutation events may be required to transform a normal cell into a malignant cell. These mutations can be caused by chemicals or physical agents called carcinogens, by close exposure to radioactive materials, or by certain viruses that can insert their DNA into the human genome. Mutations occur spontaneously, or are passed down generations as a result of germ line mutations.

CANCER - KIDNEY

Renal cell carcinoma, also known by the eponym Grawitz tumor, is the most common form of kidney cancer arising from the renal tubule. It is the most common type of kidney cancer in adults. Initial therapy is with surgery. It is notoriously resistant to radiation therapy and chemotherapy, although some cases respond to immunotherapy.

CANCER - LIVER

Hepatocellular carcinoma (HCC, also called hepatoma or liver cancer) is a primary malignancy (cancer) of the liver. Most cases of HCC are secondary to either hepatitis infection (usually hepatitis B or C) or cirrhosis (alcoholism being the most common cause of hepatic cirrhosis). In countries where hepatitis is not endemic, most cancers in the liver are not primary HCC but metastasis (spread) of cancer from elsewhere in the body, e.g. the colon. Treatment options of HCC and prognosis are dependent on many factors but especially on tumor size and staging.

CANCER - LUNG

Lung cancer is a cancer of the lungs characterised by the presence of malignant tumours. Most commonly it is bronchogenic carcinoma (about 90%). Lung cancer is one of the most lethal of cancers worldwide, causing up to 3 million deaths annually. Only one in ten patients diagnosed with this disease will survive the next five years. Although lung cancer was previously an illness that affected predominately men, the lung cancer rate for women has been increasing in the last few decades, which has been attributed to the rising ratio of female to male smokers.

CANCER - OVARIAN

ORARIAN Cancer - Ovarian epithelial cancer is a disease in which malignant (cancer) cells form in the tissue covering the ovary. Ovarian epithelial cancer is one type of cancer that affects the ovary.

CANCER - PROSTATE

Prostate cancer is a disease in which cancer develops in the prostate, a gland in the male reproductive system. Cancer occurs when cells of the prostate mutate and begin to multiply out of control. These cells may spread (metastasize) from the prostate to other parts of the body, especially the bones and lymph nodes. Prostate cancer may cause pain, difficulty in urinating, erectile dysfunction and other symptoms.

CAPITAL PROJECTS

Capital planning, also known as "capital budgeting", is an accounting process whereby a financial analyst can determine the economic value of business projects/ventures and allocate capital to those endeavors which present the greatest calculated return on investment.

CARBON MONOXIDE EMISSIONS

Carbon monoxide, chemical formula CO, is a colorless, odorless, tasteless, flammable and highly toxic gas. It is a major product of the incomplete combustion of carbon and carbon-containing compounds. It is less dense than air under ordinary conditions, however it accumulates on the ground, meaning that if poisoning causes loss of consciousness the amount of carbon monoxide inhaled increases and so fatality is radically increased. It is very slightly soluble in water and burns in air with a characteristic blue flame, producing carbon dioxide; it is a component of producer gas and water gas, which are widely used artificial fuels. It is a reducing agent, removing oxygen from many compounds and is used in the reduction of metals, e.g., iron , from their ores. At high pressures and elevated temperatures it reacts with hydrogen in the presence of a catalyst to form methanol. Carbon monoxide is formed by combustion of carbon in oxygen at high temperatures when there is an excess of carbon. It is also formed with a byproduct oxygen by decomposition of carbon dioxide at very high temperatures (above 2,000 °C). It is present in the exhaust of internal-combustion engines, often the exhaust of automobiles, and is generated in coal stoves, furnaces, and gas appliances that do not get enough air. This may be due to insufficient ventilation or other reasons.

CEREBRAL PALSY

Cerebral palsy

is a term used to describe a group of chronic conditions affecting body movements and muscle coordination. It is caused by damage to one or more specific areas of the brain, usually occurring during fetal development, or during infancy. It can also occur before, during or shortly following birth. "Cerebral" refers to the brain and "Palsy" to a disorder of movement or posture.

CHEMICALS / ELEMENTS

A chemical element, often called simply element, is a chemical substance that cannot be divided or changed into other chemical substances by any ordinary chemical technique. The smallest unit of this kind of chemical substances is an atom, and the term "atom" is typically used to refer to atoms of particular elements. An element is a class of substances that contain the same number of protons in all its atoms. Chemicals are made from Chemical Elements.

CHILD PORNOGRAPHY

Generally, child pornography (sometimes referred to as CP, child porn, KP, or kiddie porn) is an illegal form of pornography, featuring minors. The term "child" is defined for this purpose by each country's child pornography laws, and these laws also set forth criteria to use in determining whether a particular depiction of a child is child pornography.

CIVIL RIGHTS - EQUAL RIGHTS

Civil rights are the protections and privileges of personal liberty given to all citizens by law. Civil rights are distinguished from "human rights" or "natural rights"; civil rights are rights that are bestowed by nations on those within their territorial boundaries, while natural or human rights are rights that many scholars claim ought to belong to all people. For example, the philosopher John Locke (1632-1704) argued that the natural