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H. P. Lovecraft Howard Phillips Lovecraft (US: ; August 20, 1890 – March 15, 1937) was an American writer of weird, science, fantasy, and horror fiction. He is best known for his creation of the Cthulhu Mythos.Born in Providence, Rhode Island, Lovecraft spent most of his life in New England.
Hyman Minsky Hyman Philip Minsky (September 23, 1919 – October 24, 1996) was an American economist, a professor of economics at Washington University in St. Louis, and a distinguished scholar at the Levy Economics Institute of Bard College.
Financial risk Financial risk is any of various types of risk associated with financing, including financial transactions that include company loans in risk of default. Often it is understood to include only downside risk, meaning the potential for financial loss and uncertainty about its extent.A science has evolved around managing market and financial risk under the general title of modern portfolio theory initiated by Dr.
Colorado orogeny The Colorado orogeny was an episode of mountain building (an orogeny) in Colorado and surrounding areas. This took place from 1780 to 1650 million years ago (Mya), during the Paleoproterozoic (Statherian Period).
Regulation Regulation is the management of complex systems according to a set of rules and trends. In systems theory, these types of rules exist in various fields of biology and society, but the term has slightly different meanings according to context.
Vehicle regulation Vehicle regulations are requirements that automobiles must satisfy in order to be approved for sale or use in a particular country or region. They are usually mandated by legislation, and administered by a government body.
Available-to-promise Available-to-promise (ATP) is a business function that provides a response to customer order inquiries, based on resource availability.\n It generates available quantities of the requested product, and delivery due dates.
Cities XXL Cities XXL is a city-building computer game developed by Focus Home Interactive as a sequel to their earlier game Cities XL Platinum. It was released worldwide via Steam on February 5, 2015.
Contents of the Book of Leinster The following table of contents for the Book of Leinster is based on the diplomatic edition by R.I. Best and M.A. O'Brien. The contents are listed according to the folio number of the manuscript and the page and volume number of the edition.
Extreme weather Extreme weather or extreme climate events includes unexpected, unusual, severe, or unseasonal weather; weather at the extremes of the historical distribution—the range that has been seen in the past. Often, extreme events are based on a location's recorded weather history and defined as lying in the most unusual ten percent.There is evidence to suggest that climate change is increasing the periodicity and intensity of some extreme weather events.
Space-based solar power Space-based solar power (SBSP, SSP) is the concept of collecting solar power in outer space by solar power satellites (SPS) and distributing it to Earth. Sunlight is brighter outside the atmosphere, and can shine all (or almost all) the day.
Fee The foot (plural: feet) is an anatomical structure found in many vertebrates. It is the terminal portion of a limb which bears weight and allows locomotion.
Christchurch mosque shootings On 15 March 2019, two consecutive mass shootings occurred in a terrorist attack on two mosques in Christchurch, New Zealand. The attacks, carried out by a lone gunman who entered both mosques during Friday prayer, began at the Al Noor Mosque in the suburb of Riccarton at 1:40 pm and continued at the Linwood Islamic Centre at 1:52 pm.
Geography Geography (from Greek: γεωγραφία, geographia, literally "earth description") is a field of science devoted to the study of the lands, features, inhabitants, and phenomena of the Earth and planets. The first person to use the word γεωγραφία was Eratosthenes (276–194 BC).
Pharmacovigilance Pharmacovigilance (PV, or PhV), also known as drug safety, is the pharmaceutical science relating to the collection, detection, assessment, monitoring, and prevention of adverse effects with pharmaceutical products. The etymological roots for the word "pharmacovigilance" are: pharmakon (Greek for drug) and vigilare (Latin for to keep watch).
Drywall Drywall (also called plasterboard, wallboard, sheet rock, gypsum board, buster board, custard board, and gypsum panel) is a panel made of calcium sulfate dihydrate (gypsum), with or without additives, typically extruded between thick sheets of facer and backer paper, used in the construction of interior walls and ceilings. The plaster is mixed with fiber (typically paper, glass wool, or a combination of these materials); plasticizer, foaming agent; and additives that can reduce mildew, flammability, and water absorption.
Community service Community service is unpaid work performed by a person or group of people for the benefit and betterment of their community without any form of compensation. Community service can be distinct from volunteering, since it is not always performed on a voluntary basis and may be compulsory.
Psychotherapy discontinuation Psychotherapy discontinuation, also known as unilateral termination, patient dropout, and premature termination, is a patient's decision to stop mental health treatment before they have received an adequate number of sessions. In the United States, the prevalence of patient dropout is estimated to be between 40–60% over the course of treatment however, the overwhelming majority of patients will drop after two sessions.
List of Volkswagen Group engines This list of Volkswagen Group engines includes internal combustion engines and related technologies produced by the German automotive concern, Volkswagen Group. \n\n\n== Lists of all engines ==\nThe following articles list Volkswagen Group engines which are available worldwide.
Avalon Gardens The Avalon Gardens is a public housing project located in the Green Meadows neighborhood of Los Angeles, California. It is one of the oldest housing projects owned by the Housing Authority of the City of Los Angeles.
Induced demand Induced demand – related to latent demand and generated demand – is the phenomenon whereby an increase in supply results in a decline in price and an increase in consumption. In other words, as a good/service becomes more readily available and mass produced, the price of a good/service goes down and consumers are more likely to buy it, meaning demand subsequently increases.
Price elasticity of demand A good's price elasticity of demand (\n \n \n \n \n E\n \n d\n \n \n \n \n {\displaystyle E_{d}}\n , PED) is a measure of how sensitive the quantity demanded is to its price. When the price rises, quantity demanded falls for almost any good, but it falls more for some than for others.
Bipalium Bipalium is a genus of large predatory land planarians. They are often loosely called "hammerhead worms" or "broadhead planarians" because of the distinctive shape of their head region.
Central Intelligence Agency The Central Intelligence Agency (CIA ), known informally as the Agency and historically as the Company, is a civilian foreign intelligence service of the federal government of the United States, officially tasked with gathering, processing, and analyzing national security information from around the world, primarily through the use of human intelligence (HUMINT) and performing covert actions. As a principal member of the United States Intelligence Community (IC), the CIA reports to the Director of National Intelligence and is primarily focused on providing intelligence for the President and Cabinet of the United States.
Education Education is the process of facilitating learning, or the acquisition of knowledge, skills, values, morals, beliefs, habits, and personal development. Education originated as transmission of cultural heritage from one generation to the next.
Supply and Depend Supply and Depend is the first full-length release by Warship, the band founded by Fran Mark and Rob Lauritsen, formerly of the now defunct From Autumn to Ashes. It was released on November 4, 2008 on Vagrant Records and features 10 tracks the band recorded with producer Andrew Schneider over the summer.
Brand A brand is a name, term, design, symbol or any other feature that distinguishes one seller's good or service from those of other sellers. Brands are used in business, marketing, and advertising for recognition and, importantly, to create and store value as brand equity for the object identified, to the benefit of the brand's customers, its owners and shareholders.
Registered Home Ownership Savings Plan A Registered Home Ownership Savings Plan (RHOSP) (French: Régime enregistré d'épargne-logement (REÉL)) was a federal tax-deferred savings plan intended to encourage home ownership in Canada.\n\n\n== Functioning ==\nIndividual taxpayers could contribute up to $10,000 in a RHOSP (yearly maximum contribution of $1,000).
USDA home loan A USDA Home Loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered to rural property owners by the United States Department of Agriculture.\n\n\n== Types of USDA Loans ==\n\n\n=== Guaranteed Loan ===\nFor home loans that may have an income of up to 115% of the median income for the area.
Housing Housing, or more generally living spaces, refers to the construction and assigned usage of houses or buildings collectively, for the purpose of sheltering people — the planning or provision delivered by an authority, with related meanings. Ensuring that members of society have a home in which to live, whether this is a house, or some other kind of dwelling, lodging, or shelter, is a social issue.
Fund accounting Fund accounting is an accounting system for recording resources whose use has been limited by the donor, grant authority, governing agency, or other individuals or organisations or by law. It emphasizes accountability rather than profitability, and is used by Nonprofit organizations and by governments.
Logical conjunction In logic, mathematics and linguistics, And (\n \n \n \n ∧\n \n \n {\displaystyle \wedge }\n ) is the truth-functional operator of logical conjunction; the and of a set of operands is true if and only if all of its operands are true. The logical connective that represents this operator is typically written as \n \n \n \n ∧\n \n \n {\displaystyle \wedge }\n or ⋅ .
Conjunction introduction Conjunction introduction (often abbreviated simply as conjunction and also called and introduction or adjunction) is a valid rule of inference of propositional logic. The rule makes it possible to introduce a conjunction into a logical proof.
Conjunction elimination In propositional logic, conjunction elimination (also called and elimination, ∧ elimination, or simplification) is a valid immediate inference, argument form and rule of inference which makes the inference that, if the conjunction A and B is true, then A is true, and B is true. The rule makes it possible to shorten longer proofs by deriving one of the conjuncts of a conjunction on a line by itself.
United States and the International Criminal Court The United States is not a State Party to the Rome Statute of the International Criminal Court (Rome Statute), which founded the International Criminal Court (ICC) in 2002 as a permanent international criminal court to "bring to justice the perpetrators of the worst crimes known to humankind – war crimes, crimes against humanity, and genocide", when national courts are unable or unwilling to do so.As of January 2019, 123 states are members of the Court. Other states that have not become parties to the Rome Statute include India, Indonesia, and China.
Risk Factors
DOMINION HOMES INC Item 1A RISK FACTORS Business Risks We desire to take advantage of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 (the “PSLRA”)
This Annual Report on Form 10-K contains various “forward–looking statements” within the meaning of the PSLRA and other applicable securities laws
Such statements can be identified by the use of the forward-looking words “anticipate,” “estimate,” “project,” “believe,” “intend,” “expect,” “hope” or similar words
These statements discuss future expectations, contain projections regarding future developments, operations or financial conditions, or state other forward-looking information
These forward-looking statements involve various important risks, uncertainties and other factors which could cause our actual results for 2006 and beyond to differ materially from those expressed in the forward-looking statements
Included among such important risks, uncertainties and other factors are the following: Our business is cyclical and significantly affected by changes in national and local economic, business and other conditions, most of which are beyond our control
These conditions include: • short and long term interest rates; • changes in governmental regulations; • employment levels and job growth; • availability and affordability of mortgage financing for home buyers; • availability and cost of building lots; • availability of materials (including lumber) and labor; 11 ______________________________________________________________________ [38]Table of Contents fluctuating costs of materials and labor; • adverse weather conditions and natural disasters; • consumer confidence and housing demand; • competitive overbuilding; • changing demographics; • cost overruns; • changes in tax laws; • changes in local government fees; and • availability and cost of rental property and resale prices of existing homes
In addition, domestic terrorist attacks and the threat or the involvement of the United States in international armed conflict may also adversely affect general economic conditions, consumer confidence and the homebuilding markets
We operate in a limited number of geographic areas
We conduct our operations only in Central Ohio, Louisville, Kentucky and Lexington, Kentucky
Our lack of geographic diversity means that adverse general economic or weather conditions in one or more of these markets could have a material adverse impact on our operations
The nature of the homebuilding process makes it difficult to quickly respond to rapid changes in housing demand
Once we have begun the development of a new community, it is difficult and, at times, impractical, to discontinue development activities
Thus, we may be forced to incur costs associated with land development which began at a time of high housing demand even if the demand for newly constructed homes later decreases
Conversely, if there is a sudden increase in the demand for our homes, we may not be able to fully take advantage of the increased demand if we have not begun land development and acquisition activities on a sufficient number of communities
Interest rate increases or changes in federal lending programs could adversely affect sales of our homes
Virtually all purchasers of our homes finance their purchase through third party lenders who offer conventional and government-insured mortgage financing
A material increase in mortgage interest rates or unfavorable changes to these lending programs would adversely affect the ability of prospective home buyers, particularly our targeted entry-level home buyers, to obtain mortgage financing
We also depend on the availability and cost of mortgage financing for buyers of the current homes owned by potential purchasers of our homes
Prior to purchasing our homes, some of our home buyers must sell their current homes, and these sales depend on the availability and cost of mortgage financing
In particular, a substantial number of our home buyers use down payment assistance programs, which allow home buyers to receive gift funds from non-profit corporations to be used as a down payment
At one time, the Department of Housing and Urban Development (“HUD”) proposed rules which would have prohibited the use of gift fund programs in conjunction with government-insured mortgage loans
HUD subsequently withdrew these proposed rules, but has 12 ______________________________________________________________________ [39]Table of Contents continued to increase its regulation of gift fund programs
We are the subject of two purported class action lawsuits that challenge our