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<!DOCTYPE rdf:RDF [
     <!ENTITY ocyc "http://sw.opencyc.org/concept/" >
     <!ENTITY cyc  "http://sw.cyc.com/concept/" >
     <!ENTITY rdf  "http://www.w3.org/1999/02/22-rdf-syntax-ns#" >
     <!ENTITY rdfs "http://www.w3.org/2000/01/rdf-schema#" >
     <!ENTITY xsd  "http://www.w3.org/2001/XMLSchema#" >
     <!ENTITY owl  "http://www.w3.org/2002/07/owl#" >
   ]>

<rdf:RDF xml:base="http://sw.opencyc.org/2008/06/10/concept/"
         xmlns="http://sw.opencyc.org/2008/06/10/concept/"
         xmlns:cycAnnot="http://sw.cyc.com/CycAnnotations_v1#"
         xmlns:rdf="&rdf;"
         xmlns:rdfs="&rdfs;"
         xmlns:owl="&owl;"
         xmlns:xsd="&xsd;">

  <owl:Ontology rdf:about="http://sw.opencyc.org/2008/06/10/concept/">
    <owl:versionInfo>2008/06/10</owl:versionInfo>
    <rdfs:comment xml:lang="en">

      OpenCyc Knowledge Base

      Copyright© 2001-2008 Cycorp, Inc., http://www.cyc.com/, Austin, TX, USA

      This file contains an OWL representation of information contained 
      in the OpenCyc Knowledge Base. The content of this OWL file is 
      licensed under the Creative Commons Attribution 3.0 license whose 
      text can be found at http://creativecommons.org/licenses/by/3.0/legalcode. 
      The content of this OWL file, including the OpenCyc content it represents, 
      constitutes the "Work" referred to in the Creative Commons license. The terms of 
      this license equally apply to, without limitation, renamings and other 
      logically equivalent reformulations of the content of this OWL file 
      (or portions thereof) in any natural or formal language, as well 
      as to derivations of this content or inclusion of it in other ontologies.

    </rdfs:comment>
  </owl:Ontology>

  <owl:AnnotationProperty rdf:about="http://sw.cyc.com/CycAnnotations_v1#externalID">
    <rdfs:label xml:lang="en">externalID</rdfs:label>
    <rdfs:comment xml:lang="en">
      A unique, language-neutral, variable-sized identifier
      for a concept that can be used to refer unambiguously to that concept across 
      OWL exports or across Cyc inference engines.
    </rdfs:comment>
    <rdf:type rdf:resource="http://www.w3.org/2002/07/owl#FunctionalProperty"/>
  </owl:AnnotationProperty>

  <owl:AnnotationProperty rdf:about="http://sw.cyc.com/CycAnnotations_v1#label">
    <rdfs:label xml:lang="en">label</rdfs:label>
    <rdfs:comment xml:lang="en">
      A natural-language representation for a concept that is both human 
      readable and readable by the Cyc inference engine. These terms are not 
      guaranteed to refer to the same concept across time but are guaranteed to
      be consistent within a particular OWL export. Use 'cycAnnot:externalID'
      for unambiguously referring to a concept across OWL exports or across Cyc
      inference engines.
    </rdfs:comment>
  </owl:AnnotationProperty>

  <owl:Class rdf:about="Mx4rv5RLwpwpEbGdrcN5Y29ycA">
    <rdfs:comment xml:lang="en">The collection of &lt;font color=&quot;#ff0000&quot;&gt;#$ScriptTypes&lt;/font&gt; in which some &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvVjVT5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;Organization&lt;/a&gt; or other &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvVinb5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;IntelligentAgent&lt;/a&gt; fails to fulfill some legal obligation, such as by neglecting to pay back a &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvkmKO5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;LoanAgreement&lt;/a&gt; on schedule.</rdfs:comment>
    <cycAnnot:label xml:lang="en">DefaultingOnLoan</cycAnnot:label>
    <rdfs:label xml:lang="en">defaulting</rdfs:label>
    <rdfs:subClassOf rdf:resource="Mx4rvsq4fJwpEbGdrcN5Y29ycA"/>
    <rdfs:subClassOf rdf:resource="Mx4rakQrzuDnQdiZUq83fqKD5w"/>
    <rdf:type rdf:resource="Mx4rHIBS0h_TEdaAAABQ2rksLw"/>
    <owl:sameAs rdf:resource="&cyc;Mx4rv5RLwpwpEbGdrcN5Y29ycA"/>
    <owl:sameAs rdf:resource="http://dbpedia.org/resource/Default_%28finance%29"/>
    <owl:sameAs rdf:resource="&ocyc;Mx4rv5RLwpwpEbGdrcN5Y29ycA"/>
    <wikipediaArticleURL>http://en.wikipedia.org/wiki/Default_%28finance%29</wikipediaArticleURL>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">had defaulted on a loan</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">has defaulted on a loan</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">will have defaulted on a loan</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">had defaulted</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">defaulted</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">default on a loan</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">defaulting on a loan</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">default</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">will have defaulted</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">will default</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">will default on a loan</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">have defaulted</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">defaulted on a loan</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">defaults</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">has defaulted</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">have defaulted on a loan</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
    <Mx4rwLSVCpwpEbGdrcN5Y29ycA xml:lang="en">defaults on a loan</Mx4rwLSVCpwpEbGdrcN5Y29ycA>
  </owl:Class>

  <owl:Class rdf:about="Mx4r_pYV6OyvQdiObfPq8BS__w">
    <rdfs:subClassOf rdf:resource="Mx4rv5RLwpwpEbGdrcN5Y29ycA"/>
    <rdfs:label xml:lang="en">defaulting on a mortgage</rdfs:label>
    <cycAnnot:label xml:lang="en">DefaultingOnMortgage</cycAnnot:label>
    <rdfs:comment xml:lang="en">A specialization of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rv5RLwpwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;DefaultingOnLoan&lt;/a&gt; in which the loan defaulted on is an instance of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;MortgageAgreement&lt;/a&gt;.</rdfs:comment>
  </owl:Class>

  <owl:Class rdf:about="Mx4rCGSlVjppQdmTLpMsaz1rAA">
    <rdfs:subClassOf rdf:resource="Mx4rv5RLwpwpEbGdrcN5Y29ycA"/>
    <cycAnnot:label xml:lang="en">DefaultingOnCreditCard</cycAnnot:label>
    <rdfs:label xml:lang="en">defaulting on a credit card</rdfs:label>
    <rdfs:comment xml:lang="en">A specialization of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rv5RLwpwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;DefaultingOnLoan&lt;/a&gt; in which the loan defaulted on
is an instance of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rA85IMDppQdmVTKrdAsST_w&quot; class=&quot;cyc_term&quot;&gt;CreditCardAgreement&lt;/a&gt;.</rdfs:comment>
  </owl:Class>

  <owl:Class rdf:about="Mx4rakQrzuDnQdiZUq83fqKD5w">
    <cycAnnot:label xml:lang="en">FailingToMakeAPayment</cycAnnot:label>
    <rdfs:comment xml:lang="en">A specialization of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvViN65wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;HumanActivity&lt;/a&gt;. Each instance of this
collection is a situation in which an agent does not make a payment
owed. This collection is agnostic as to whether the agent is
intentionally withholding the payment. Notable specializations of this
collection include &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rv5RLwpwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;DefaultingOnLoan&lt;/a&gt; and &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rbIXjjODnQdiNqJZBn1zbJA&quot; class=&quot;cyc_term&quot;&gt;PaymentHoliday_Mortgage&lt;/a&gt;.</rdfs:comment>
    <rdfs:label xml:lang="en">failing to make a payment</rdfs:label>
  </owl:Class>

  <owl:ObjectProperty rdf:about="Mx4rwLSVCpwpEbGdrcN5Y29ycA">
    <rdfs:label xml:lang="en">Pretty String</rdfs:label>
    <rdfs:comment xml:lang="en">(&lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rwLSVCpwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;prettyString&lt;/a&gt; TERM STRING) means that STRING is the English word or expression (sequence of words) commonly used to refer to TERM.  The predicate &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rwLSVCpwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;prettyString&lt;/a&gt; is used by the code which generates CycL to English paraphrases, but its applicability is not restricted to this use.</rdfs:comment>
    <cycAnnot:label xml:lang="en">prettyString</cycAnnot:label>
  </owl:ObjectProperty>

  <owl:Class rdf:about="Mx4rvsq4fJwpEbGdrcN5Y29ycA">
    <cycAnnot:label xml:lang="en">ChangeOfStatusEvent</cycAnnot:label>
    <rdfs:comment xml:lang="en">A specialization of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvViOtpwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;GeneralizedTransfer&lt;/a&gt; and &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvViPO5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;SocialOccurrence&lt;/a&gt;.  Elements of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvsq4fJwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;ChangeOfStatusEvent&lt;/a&gt; are events in which the (generally social) status of an object, person, group, or organization changes.</rdfs:comment>
    <rdfs:label xml:lang="en">change in status</rdfs:label>
  </owl:Class>

  <owl:DataProperty rdf:about="wikipediaArticleURL">
  </owl:DataProperty>

  <owl:Thing rdf:about="http://dbpedia.org/resource/Default_%28finance%29">
    <rdfs:comment xml:lang="en">The collection of &lt;font color=&quot;#ff0000&quot;&gt;#$ScriptTypes&lt;/font&gt; in which some &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvVjVT5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;Organization&lt;/a&gt; or other &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvVinb5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;IntelligentAgent&lt;/a&gt; fails to fulfill some legal obligation, such as by neglecting to pay back a &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvkmKO5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;LoanAgreement&lt;/a&gt; on schedule.</rdfs:comment>
    <rdfs:label xml:lang="en">defaulting</rdfs:label>
    <cycAnnot:label xml:lang="en">DefaultingOnLoan</cycAnnot:label>
  </owl:Thing>

  <owl:Class rdf:about="Mx4rHIBS0h_TEdaAAABQ2rksLw">
    <rdfs:label xml:lang="en">first-order collection</rdfs:label>
    <rdfs:comment xml:lang="en">An instance of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvtppU5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;CollectionType&lt;/a&gt;, and a specialization of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rNooX_CChEdaAAABQ2rksLw&quot; class=&quot;cyc_term&quot;&gt;FixedOrderCollection&lt;/a&gt;.  &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rHIBS0h_TEdaAAABQ2rksLw&quot; class=&quot;cyc_term&quot;&gt;FirstOrderCollection&lt;/a&gt; is the collection of all specializations of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvVjaApwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;Individual&lt;/a&gt; (q.v.)  Notable specializations of &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rHIBS0h_TEdaAAABQ2rksLw&quot; class=&quot;cyc_term&quot;&gt;FirstOrderCollection&lt;/a&gt; include &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvViq35wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;TemporalObjectType&lt;/a&gt;, &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvVny6pwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;ExistingStuffType&lt;/a&gt;, and &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvWXYgJwpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;ExistingObjectType&lt;/a&gt;.</rdfs:comment>
    <cycAnnot:label xml:lang="en">FirstOrderCollection</cycAnnot:label>
  </owl:Class>

  <owl:Class rdf:about="&ocyc;Mx4rv5RLwpwpEbGdrcN5Y29ycA">
    <rdfs:comment xml:lang="en">The collection of &lt;font color=&quot;#ff0000&quot;&gt;#$ScriptTypes&lt;/font&gt; in which some &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvVjVT5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;Organization&lt;/a&gt; or other &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvVinb5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;IntelligentAgent&lt;/a&gt; fails to fulfill some legal obligation, such as by neglecting to pay back a &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvkmKO5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;LoanAgreement&lt;/a&gt; on schedule.</rdfs:comment>
    <rdfs:label xml:lang="en">defaulting</rdfs:label>
    <cycAnnot:label xml:lang="en">DefaultingOnLoan</cycAnnot:label>
  </owl:Class>

  <owl:Class rdf:about="&cyc;Mx4rv5RLwpwpEbGdrcN5Y29ycA">
    <rdfs:comment xml:lang="en">The collection of &lt;font color=&quot;#ff0000&quot;&gt;#$ScriptTypes&lt;/font&gt; in which some &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvVjVT5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;Organization&lt;/a&gt; or other &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvVinb5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;IntelligentAgent&lt;/a&gt; fails to fulfill some legal obligation, such as by neglecting to pay back a &lt;a href=&quot;http://sw.opencyc.org/2008/06/10/concept/Mx4rvkmKO5wpEbGdrcN5Y29ycA&quot; class=&quot;cyc_term&quot;&gt;LoanAgreement&lt;/a&gt; on schedule.</rdfs:comment>
    <rdfs:label xml:lang="en">defaulting</rdfs:label>
    <cycAnnot:label xml:lang="en">DefaultingOnLoan</cycAnnot:label>
  </owl:Class>

</rdf:RDF>
