]> 2009/04/07 OpenCyc Knowledge Base Copyright© 2001-2009 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. Mappings between OpenCyc terms and Wikipedia article names provided by Olena Medelyan and Catherine Legg, University of Waikato, NZ under a Creative Commons Attribution 3.0 license. externalID 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. label 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. ReverseMortgage The collection of <a href="http://sw.opencyc.org/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAgreement</a>s in which the owner of a <a href="http://sw.opencyc.org/concept/Mx4rvVjmiZwpEbGdrcN5Y29ycA" class="cyc_term">HumanResidence</a> recieves money or a <a href="http://sw.opencyc.org/concept/Mx4rMy7FqHS7EdaAAACgyZzFrg" class="cyc_term">SecuredLineOfCredit</a> (or some combination of these) taken from the equity the owner has amassed by paying a previous <a href="http://sw.opencyc.org/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAgreement</a> on that property. Such mortgages are usually given to senior citizens who have totally or nearly totally repaid any existing mortgage on their residences. The <a href="http://sw.opencyc.org/concept/Mx4rvabQTpwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAccount</a> is typically settled when the <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> no longer occupies that residence. The <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> on a <a href="http://sw.opencyc.org/concept/Mx4rvkkZF5wpEbGdrcN5Y29ycA" class="cyc_term">ReverseMortgage</a> cannot be forced to sell the residence to repay it as long as the <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> occupies that residence, even if the value of the loan exceeds the value of the residence. The <a href="http://sw.opencyc.org/concept/Mx4rvkkZF5wpEbGdrcN5Y29ycA" class="cyc_term">ReverseMortgage</a> is usually easier to obtain than other <a href="http://sw.opencyc.org/concept/Mx4riPzHEHS6EdaAAACgyZzFrg" class="cyc_term">HomeEquityLoan</a>s. reverse annuity mortgage reverse mortgages reverse annuity mortgages Reverse Annuity Mortgages reverse mortgage Reverse mortgage http://en.wikipedia.org/wiki/Reverse_mortgage Wikipedia Article URL (<a href="http://sw.opencyc.org/concept/Mx4rNv0nbm4TTjOp7yhmnzOyqg" class="cyc_term">wikipediaArticleURL</a> THING URL) means that in <a href="http://sw.opencyc.org/concept/Mx4rtqXA6OC8QdiWC72DuLJdUw" class="cyc_term">Wikipedia_WebSite</a> THING is described by an article located at URL wikipediaArticleURL type of temporally stuff-like thing TemporalStuffType A specialization of <a href="http://sw.opencyc.org/concept/Mx4rvVir35wpEbGdrcN5Y29ycA" class="cyc_term">StuffType</a> (q.v.) whose instances are all and only those collections that are temporally stuff-like. A collection <code><b>COL</b></code> is temporally stuff-like just in case every purely temporal part (see <a href="http://sw.opencyc.org/concept/Mx4rvWn4OZwpEbGdrcN5Y29ycA" class="cyc_term">timeSlices</a>) of an instance of <code><b>COL</b></code> is itself an instance of <code><b>COL</b></code>, unless it is a temporal part of a temporal granule of <code><b>COL</b></code> (see <a href="http://sw.opencyc.org/concept/Mx4rvVjaJJwpEbGdrcN5Y29ycA" class="cyc_term">granuleOfTemporalStuff</a>). <p/> More precisely, for a collection <code><b>COL</b></code> to be an instance of <a href="http://sw.opencyc.org/concept/Mx4rvVitN5wpEbGdrcN5Y29ycA" class="cyc_term">TemporalStuffType</a> it is both a necessary and sufficient condition that for any <code><b>OBJ1</b></code> and <code><b>OBJ2</b></code> (with <code><b>OBJ2</b></code> at or above <code><b>COL</b></code>'s temporal granularity level), if <code>(<a href="http://sw.opencyc.org/concept/Mx4rvViBBJwpEbGdrcN5Y29ycA" class="cyc_term">isa</a> <b>OBJ1</b> <b>COL</b>)</code> and <code>(<a href="http://sw.opencyc.org/concept/Mx4rvWn4OZwpEbGdrcN5Y29ycA" class="cyc_term">timeSlices</a> <b>OBJ1</b> <b>OBJ2</b>)</code>, then <code>(<a href="http://sw.opencyc.org/concept/Mx4rvViBBJwpEbGdrcN5Y29ycA" class="cyc_term">isa</a> <b>OBJ2</b> <b>COL</b>)</code>. <p/> Consider <a href="http://sw.opencyc.org/concept/Mx4rvVi0gpwpEbGdrcN5Y29ycA" class="cyc_term">WalkingOnTwoLegs</a>. Take an arbitrary instance <code><b>WALK</b></code> of this collection (say Miss America 2000's victory walk down the runway and back); and then take an arbitrary time-slice <code><b>SUBWALK</b></code> of <code><b>WALK</b></code> that subsumes at least one instance of (the <a href="http://sw.opencyc.org/concept/Mx4rvVjaJJwpEbGdrcN5Y29ycA" class="cyc_term">granuleOfTemporalStuff</a> for <a href="http://sw.opencyc.org/concept/Mx4rvVi0gpwpEbGdrcN5Y29ycA" class="cyc_term">WalkingOnTwoLegs</a>) <a href="http://sw.opencyc.org/concept/Mx4rvViYBpwpEbGdrcN5Y29ycA" class="cyc_term">TakingAStep</a> (say her trip back from the end of the runway). <code><b>SUBWALK</b></code> is itself an instance of <a href="http://sw.opencyc.org/concept/Mx4rvVi0gpwpEbGdrcN5Y29ycA" class="cyc_term">WalkingOnTwoLegs</a>. So <a href="http://sw.opencyc.org/concept/Mx4rvVi0gpwpEbGdrcN5Y29ycA" class="cyc_term">WalkingOnTwoLegs</a> is an instance of <a href="http://sw.opencyc.org/concept/Mx4rvVitN5wpEbGdrcN5Y29ycA" class="cyc_term">TemporalStuffType</a>. See <a href="http://sw.opencyc.org/concept/Mx4rvViq35wpEbGdrcN5Y29ycA" class="cyc_term">TemporalObjectType</a> for the disjoint notion of being temporally object-like. ReverseMortgage The collection of <a href="http://sw.opencyc.org/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAgreement</a>s in which the owner of a <a href="http://sw.opencyc.org/concept/Mx4rvVjmiZwpEbGdrcN5Y29ycA" class="cyc_term">HumanResidence</a> recieves money or a <a href="http://sw.opencyc.org/concept/Mx4rMy7FqHS7EdaAAACgyZzFrg" class="cyc_term">SecuredLineOfCredit</a> (or some combination of these) taken from the equity the owner has amassed by paying a previous <a href="http://sw.opencyc.org/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAgreement</a> on that property. Such mortgages are usually given to senior citizens who have totally or nearly totally repaid any existing mortgage on their residences. The <a href="http://sw.opencyc.org/concept/Mx4rvabQTpwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAccount</a> is typically settled when the <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> no longer occupies that residence. The <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> on a <a href="http://sw.opencyc.org/concept/Mx4rvkkZF5wpEbGdrcN5Y29ycA" class="cyc_term">ReverseMortgage</a> cannot be forced to sell the residence to repay it as long as the <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> occupies that residence, even if the value of the loan exceeds the value of the residence. The <a href="http://sw.opencyc.org/concept/Mx4rvkkZF5wpEbGdrcN5Y29ycA" class="cyc_term">ReverseMortgage</a> is usually easier to obtain than other <a href="http://sw.opencyc.org/concept/Mx4riPzHEHS6EdaAAACgyZzFrg" class="cyc_term">HomeEquityLoan</a>s. reverse annuity mortgage This is a collection of agreements; a subset of <a href="http://sw.opencyc.org/concept/Mx4rvViwHJwpEbGdrcN5Y29ycA" class="cyc_term">AuthorizedAgreement</a>. Each element of <a href="http://sw.opencyc.org/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAgreement</a> is generated from an instance of <a href="http://sw.opencyc.org/concept/Mx4rvgkxIpwpEbGdrcN5Y29ycA" class="cyc_term">EnteringIntoAMortgageAgreement</a>. A <a href="http://sw.opencyc.org/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAgreement</a> contains the terms of a mortgage (in which money is borrowed and a claim against the borrower's property is given to secure the loan). MortgageAgreement mortgage Pretty String (<a href="http://sw.opencyc.org/concept/Mx4rwLSVCpwpEbGdrcN5Y29ycA" class="cyc_term">prettyString</a> TERM STRING) means that STRING is the English word or expression (sequence of words) commonly used to refer to TERM. The predicate <a href="http://sw.opencyc.org/concept/Mx4rwLSVCpwpEbGdrcN5Y29ycA" class="cyc_term">prettyString</a> is used by the code which generates CycL to English paraphrases, but its applicability is not restricted to this use. prettyString ReverseMortgage The collection of <a href="http://sw.opencyc.org/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAgreement</a>s in which the owner of a <a href="http://sw.opencyc.org/concept/Mx4rvVjmiZwpEbGdrcN5Y29ycA" class="cyc_term">HumanResidence</a> recieves money or a <a href="http://sw.opencyc.org/concept/Mx4rMy7FqHS7EdaAAACgyZzFrg" class="cyc_term">SecuredLineOfCredit</a> (or some combination of these) taken from the equity the owner has amassed by paying a previous <a href="http://sw.opencyc.org/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAgreement</a> on that property. Such mortgages are usually given to senior citizens who have totally or nearly totally repaid any existing mortgage on their residences. The <a href="http://sw.opencyc.org/concept/Mx4rvabQTpwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAccount</a> is typically settled when the <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> no longer occupies that residence. The <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> on a <a href="http://sw.opencyc.org/concept/Mx4rvkkZF5wpEbGdrcN5Y29ycA" class="cyc_term">ReverseMortgage</a> cannot be forced to sell the residence to repay it as long as the <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> occupies that residence, even if the value of the loan exceeds the value of the residence. The <a href="http://sw.opencyc.org/concept/Mx4rvkkZF5wpEbGdrcN5Y29ycA" class="cyc_term">ReverseMortgage</a> is usually easier to obtain than other <a href="http://sw.opencyc.org/concept/Mx4riPzHEHS6EdaAAACgyZzFrg" class="cyc_term">HomeEquityLoan</a>s. reverse annuity mortgage HomeEquityLoan The collection of <a href="http://sw.opencyc.org/concept/Mx4rvkmKO5wpEbGdrcN5Y29ycA" class="cyc_term">LoanAgreement</a>s that are secured by the <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a>'s equity in his home. Home equity loans can be used for any purpose. Such loans are collateralized by the <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a>'s home. home equity loan wikipediaArticleName (<a href="http://sw.opencyc.org/concept/Mx4rTv-jk9SPTXa991kk5mAvHg" class="cyc_term">wikipediaArticleName</a> THING NAME) means that in <a href="http://sw.opencyc.org/concept/Mx4rtqXA6OC8QdiWC72DuLJdUw" class="cyc_term">Wikipedia_WebSite</a> THING is described by an article with the title NAME Wikipedia Article Name ReverseMortgage The collection of <a href="http://sw.opencyc.org/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAgreement</a>s in which the owner of a <a href="http://sw.opencyc.org/concept/Mx4rvVjmiZwpEbGdrcN5Y29ycA" class="cyc_term">HumanResidence</a> recieves money or a <a href="http://sw.opencyc.org/concept/Mx4rMy7FqHS7EdaAAACgyZzFrg" class="cyc_term">SecuredLineOfCredit</a> (or some combination of these) taken from the equity the owner has amassed by paying a previous <a href="http://sw.opencyc.org/concept/Mx4rvuDzypwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAgreement</a> on that property. Such mortgages are usually given to senior citizens who have totally or nearly totally repaid any existing mortgage on their residences. The <a href="http://sw.opencyc.org/concept/Mx4rvabQTpwpEbGdrcN5Y29ycA" class="cyc_term">MortgageAccount</a> is typically settled when the <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> no longer occupies that residence. The <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> on a <a href="http://sw.opencyc.org/concept/Mx4rvkkZF5wpEbGdrcN5Y29ycA" class="cyc_term">ReverseMortgage</a> cannot be forced to sell the residence to repay it as long as the <a href="http://sw.opencyc.org/concept/Mx4rwH2lXZwpEbGdrcN5Y29ycA" class="cyc_term">borrower</a> occupies that residence, even if the value of the loan exceeds the value of the residence. The <a href="http://sw.opencyc.org/concept/Mx4rvkkZF5wpEbGdrcN5Y29ycA" class="cyc_term">ReverseMortgage</a> is usually easier to obtain than other <a href="http://sw.opencyc.org/concept/Mx4riPzHEHS6EdaAAACgyZzFrg" class="cyc_term">HomeEquityLoan</a>s. reverse annuity mortgage