Bretmax

Fugacity - ANSWER - The "Tendency to escape". It is the real gas equivalent of a partial pressure. Initally defined as muei-muei reference=RTln(f liq hat/f liq hat ref) The reference state for chemical potental or fugacity is taken at the same what as the system - ANSWER - Temperature of the system Fugacity coefficient of a solution equation - ANSWER - Phi hat i= f hat i/ pi,sys OR Phi hat i= f hat i/(yi*Psys) Or, for pure species Phi i= f i/(Psys) Meaning of fugacity coeffic...

A refrigerator may be termed as a - ANSWER - heat pump For a stable phase at constant pressure and temperature, the fugacity of each component in a binary system __________ as its mole fraction increases. - ANSWER - increases Which of the following is not an intensive property? - ANSWER - Heat capacity Out of the following refrigration cycles, which one has the minimum COP (Co-efficient of performance)? - ANSWER - Air cycle Measurement of thermodynamic property of temperature is faci...

total energy - ANSWER - sum of all forms of energy of a system (internal, kinetic, and potential) internal energy - ANSWER - molecular energy of a system, may exist in sensible, latent, chemical, and nuclear forms mechanical energy - ANSWER - form of energy that can be converted to mechanical work completely and directly by a mechanical device such as an ideal turbine ways that energy can cross boundary of a closed system - ANSWER - heat or work pure substance - ANSWER - substance th...

In which thermodynamic system is work done on or by the system but no energy is transferred to or from it as heat? - ANSWER - adiabatic What is the internal energy change of a system that adds 100 J of heat while doing 200 J of work - ANSWER - -100 J Which device below uses heat to do mechanical work - ANSWER - heat engine What is the efficiency of a heat engine that takes in 100,000 J of energy during combustion and expels 60,000 J of exhaust in one cycle? - ANSWER - 40% Greater ent...

State of a System - ANSWER - A description of its condition, by a list of values of its properties Extensive Thermodynamic Property - ANSWER - Property that depends on the extent (size, mass) of the system (substance) Intensive Thermodynamic Property - ANSWER - Property that does not depend on the extent of the system Steady State - ANSWER - No properties of the system change with time State the second law in terms of entropy behavior - ANSWER - All natural energy conversion and tran...

What can sometimes be seen below the RPA in a SSN view? - ANSWER - Left atrium The best images of the ascending aorta are often obtained from which transducer window? - ANSWER - suprasternal Name the vessels coming off the arch and most proximal or distal. - ANSWER - Innominate (proximal), left carotid and left subclavian (distal) What cardiac p

Secondary teeth - ANSWER - total of 32 secondary teeth, 8 incisors, 4 cuspids, 8 premolars, and 12 molars. Primary Teeth (Deciduous) - ANSWER - total of 20 primary teeth, 8 incisors, 4 cuspids, and 8 molars. No premolars are developed. Incisors are the first to erupt. Maxilla - ANSWER - two bones forming the upper jaw, rigidly attached to the sku

An upfront payment of points used to reduce the borrower's monthly payment - by paying points at closing a borrower may secure a lower rate on the loan. - ANSWER - Buy Down A clause outlining the obligations of the original borrower and a new borrower in the event the loan is assumed. - ANSWER - Assumption Clause Lender under a mortgage - ANSWER

mortgage Broker - ANSWER - Functions as a middleman between the borrower and the lender, negotiating, selling or arranging loans to be delivered to large investors Mortgage Banker - ANSWER - Provide their own funds for the purpose of providing mortgage financing Correspondent Lender - ANSWER - Smaller in scale then mortgage bankers or brokers, these lenders typically extended loans with their own funds at their own risk Origination - ANSWER - The process of creating a new mortgage loan ...

Character - ANSWER - A measure of the willingness of a borrower to make on-time payments. Credit character is revealed in the borrower's credit report. Capacity - ANSWER - A measure of the willingness of a borrower to make on-time payments. Credit character is revealed in the borrower's credit report. Capital - ANSWER - The sum of all assets that the borrower has accumulated. Saving accounts, investments and other assets demonstrate a level of financial responsibility on the part of ...

The Government National Mortgage Association (GNMA), or Ginnie Mae - ANSWER - , was established in the United States in 1968 to promote home ownership. It is a wholly-owned government association that operates a mortgage-backed securities program designed to facilitate the flow of capital into the housing industry. ____approved private institutions issue mortgage-backed securities with payments that are guaranteed even if borrowers or issuers default on their obligations. ___ securities are the ...

Disintermediation - ANSWER - the act of moving funds from one investment arena to another REMIC - ANSWER - holds mortgages in trust for the benefit of investors Conforming Loan - ANSWER - Adheres to Fannie Mae and Freddie Mac requirement for purchase of a mortgage Yield - ANSWER - return on an investment Redlining - ANSWER - The practice of refusing to provide financing in a particular area because of location SML - ANSWER - Responsible for the chartering, regulation and supervisi...

Prepayment Clause - ANSWER - A clause stating that the borrower can pay the entire amount or the stated amount prior to the due date in the note and whether there will be a penalty associated with that prepayment. Subordination Clause - ANSWER - A clause allowing a lender to move to or take a lower lien position Assumption Clause - ANSWER - A clause outlining the obligations of the original borrower and a new borrower in the event the loan is assumed Straight Assumption - ANSWER - A new...

Insurance Companies - ANSWER - These receive periodic, lump sum payments from individuals or organizations in exchange for a promise to make future payments if certain events occur. Pension Funds - ANSWER - These pool the contributions of employees and invest the funds similarly to insurance companies. 1970 - ANSWER - Alternative mortgage instruments were introduced after what year? Economic Recovery Tax Act of 1981 - ANSWER - The act congress passed in the 80s that majorly increased ta...

The mortgage or deed of trust will contain ___________ that permits the lender to demand that the entire balance of the loan be repaid if the borrower defaults. Due on sale clause Acceleration clause Alienation clause Balloon clause - ANSWER - Acceleration clause One of the largest buyers of securities is _________. Credit Unions Pension Funds China American Public - ANSWER - Pension Funds A company or individual that originates mortgage loans and sells them to investors,...

_______ was established in 1970 for the purpose of purchasing mortgages in the Secondary Market. - ANSWER - Freddie Mac A claim, lien, charge, or liability attached to and binding real property is an - ANSWER - encumbrance A ______ is a right given by law to creditors to have debts paid out of the property of a defaulting debater. - ANSWER - Lien A mortgage is a pledge of real estate as security for repayment of debt in which the borrow is known as ______ - ANSWER - Mortgagor Which o...

The creditor must ensure that the consumer receives the Closing Disclosure form at lease ________ days before the consumer closes the loan - ANSWER - 3 Business days Freddie MAC is a federally chartered corporation for the purpose of... - ANSWER - Purchasing mortgages in the secondary market. Created in the 1970 to purchase mortgages in the secondary market - ANSWER - Freddie MAC The market where borrowers and mortgage lender come together to create and negotiate terms of a mortgage tra...

Construction Loan - ANSWER - short term financing with funds advanced periodically during the stages of construction - a term loan Prepayment Clause - ANSWER - A clause stating that the borrower can pay the entire amount or the stated amount prior to the due date in the note and whether there will be a penalty associated with that prepayment Straight Loan - ANSWER - A loan with payments of interest only until the end of the term, when the entire principal is repaid in one lump sum- a zero ...

ects principal and interest plus a percent of the profits on the investment property. - ANSWER - Participation Loan An individual who coordinates the loan application process for the lender. - ANSWER - Loan Processor A standardized conventional loan written on uniform documents that meets the purchase requirements of Fannie Mae and Freddie Mac - both loan amount and borrower characteristics must meet the guidelines. - ANSWER - Conforming Loan The percent of monthly gross income that can...

What is the most common viral pathogen causing AGE in pediatrics? - ANSWER - Rotavirus. This has been greatly reduced since the introduction of the rotavirus vaccine. T or F: Stool studies are indicated in the absence of bloody diarrhea or systemic disease - ANSWER - False T or F: A CBC will help distinguish between viral and bacterial AGE - ANSWER - False When are stool studies warranted? - ANSWER - Severe or prolonged diarrhea, a fever > 38.5ºC, bloody stools or stools that test p...