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the appraised value of the property, or $100,000). You d have to find a down payment loan for $25,000 to buy the property with this LTV ratio. When a seller-take-back is allowed for the down payment you can get 100 percent financing with the seller lending you the down payment. Which FICO score is acceptable to the lender today 600 and above is often sought by many lenders. Others accept 550. When borrower recourse is needed. This means you must personally assume liability for repaying your loan pledging assets you own as collateral for the loan. Whether seasoning (a payment history) is needed for refinancing your asset (a building, land, business, etc.). When no seasoning is required you move ahead faster. Which loans are assumable. Having an assumable loan means it s easier for you to buy a property. And it s also easier for you to sell the property at a later date. When a balloon loan is allowed and what type of amortization (payoff schedule) is allowed. With either arrangement your monthly payments are usually lower. What services are offered to borrowers. Some lenders offer one-on-one loan officer service to every client with step-bystep guidance from the day your loan package is received until your loan check is handed to you, or the money is wired to your bank. For example, as a loan officer, I talk directly to every borrower and advise them on a successful course of action they can take to get their loan. As lenders we want to make more loans to qualified borrowers. That s why we spend time with borrowers, helping them get the loan they seek!

the following friction matrix for Boltzmann's kinetic equa-

To create a new Black & White adjustment layer, choose Layer New Adjustment Layer Black & White, or simply click the Create New Fill or Adjustment Layer icon in the Layers palette and choose Black & White from the menu. The former approach displays a dialog box where you can name your new adjustment layer and choose a blending mode and other options, and the latter simply takes you straight to the Black and White dialog box, as shown in Figure 6.16.

Taking expectations of both sides, and recalling that the variables { s ( i ) : s(i - 1):v ( i ) }are independent of each other, we find that

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95. J . N. Reddy: An Iritrodirction to rhr Firiitr Elernerit Method, 2nd edition, McGraw-Hill, New York, 1993. 96. E. Reissner: Reflections on the theory of elastic plates, Appl. Mech. Rev. 38, 1453-1464, 1985.

n Rows. You place commands in rows. A panel can have rows above the panel separator, and additional rows below. n Subpanels. Sub-panels create separate sections in the ribbon panel. You use them to offset and group commands. For example, in the Draw panel (shown in Figures 33.2 and 33.3), Sub-Panel 1 follows the LINE command, setting it off by itself and grouping the rest of the commands in the ribbon panel. Sub-panels are optional. n Drop-down lists. You can add drop-down lists; they are used to organize multiple commands so they take up the space of one command. n Separators. You can add separators to separate commands. You can create two styles of separators: line and space. To set the type, select the separator and use the Properties panel to change the separator style. Except for panel separators, you add these items by right-clicking in the appropriate location and choosing the item that you want. For example, you can right-click any row and add a new row, a new sub-panel, a new drop-down list, or a separator.

You also can set the white balance manually by selecting the White Balance tool (it s the eyedropper located in the top-left corner of the dialog box) and clicking at a spot in the image that you d like to assign as neutral, either white or gray. The White Balance settings in the Adjust panel snap into a position that adjusts the selected pixel to white and the other pixels in the image accordingly.

for any Hermitian positive-definite matrix B will do (this choice will also give p = 0 when V,J(wi-1) = 0). To see this, note that for any such p , the inner product in (8.17) is real-valued and evaluates to

n Anti-Aliased: If you re using a contour with lots of steep hills and valleys, and you use a small shadow size, you might find that the transitions in the shadow have quite jagged edges. If so, select the Anti-Aliased option to help smooth out the edges, as shown in Figure 10.6. n Noise: Clicking and dragging the Noise slider to the right introduces random elements into the opacity levels of the pixels in the shadow. The more you drag to the right, the more pronounced the random elements become. You can also type a percentage value in the box to the right, where 0 percent means no noise and 100 percent gives the most pronounced effect. This option is great for creating rough-looking shadows and also for reducing banding effects when exporting your images for the Web. n Layer Knocks Out Drop Shadow: This option, only available for the Drop Shadow effect, is selected by default and works in conjunction with the layer s Fill Opacity setting. It ensures that the pixels of the layer content always sit on top of any pixels in the drop shadow. For example, in Figure 10.7 the layer in both images has a Fill Opacity of 25 percent. Deselecting Layer Knocks Out Drop Shadow causes the drop shadow to show through.

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