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Liquidation: the closing of a business by selling its assets and paying off the liabilities Liquidity: the financial strength of a business in terms of its ability to pay off its short-term or current liabilities without difficulty; a healthy working capital position; a good current ratio Loan: an amount borrowed; a debt; a liability Loan principal: the repayment of the initial amount borrowed on a loan is a principal payment as distinct from interest that is in addition to principal payments Lockboxes: a special bank service to speed up the collection of accounts receivable Long-range cash flow: a cash flow budget for periods of time generally in excess of one year Long-term asset: see Fixed asset Long-term budget: a budget for a period of time generally in excess of one year Long-term liability: a debt or obligation to be paid off more than one year hence.

(2002) Molecular analysis of expansion, differentiation, and growth factor treatment of human chondrocytes identi es differentiation markers and growth-related genes Biochem Biophys Res Commun 293(1): 284 292 Bergman, RJ, Gazit, D, Kahn, AJ, Gruber, H, McDougall, S, Hahn, TJ (1996) Age-related changes in osteogenic stem cells in mice J Bone Miner, Res, 11: 568 577 Binette, F, McQuaid, DP, Haudenschild, DR, Yaeger, PC, McPherson, JM, Tubo, R (1998) Expression of a stable articular cartilage phenotype without evidence of hypertrophy by adult human articular chondrocytes in vivo J Orthop Res 16: 207 216 Bonaventure, J, Kadhom, N, Cohen-Solal, L, Hg, KH, Bourguignon, J, Lasselin, C (1994) Reexpression of cartilage-speci c genes by dedifferentiated human articular chondrocytes cultured in alginate beads Exp Cell Res 212: 97 104 Bradham, D.

Fig. 3.5 Ranges of hydraulic conductivities encountered in various rock types. The darker the shading, the more common are values in that range for the rocks indicated. Diamict refers to deposits in which large clasts are set within a ner-grained matrix. Carbonates includes limestones and dolostones. Karst refers to classic cave-bearing limestones, and also similarly weathered dolostones and evaporates (especially gypsum). The Basalt lavas referred to here are those which contain lava-tubes. The term plutonic and metamorphic rocks refers to granites, gneiss, schist, etc. The data upon which this gure was based were collated from datasets for all of North America, summarized by Back et al. (1988).

Long-term solvency ratio: ratio that indicates a company s ability to meet its long-term liabilities as they fall due; an example is the debt to equity ratio Loss: an excess of expenses over sales revenue..

2. First-order approximation. (The symbols are independent. The frequency of letters matches English text.)

mind Who was there, what was happening, and what happened later How did you feel about yourself The other people there What thoughts did you have What parts of the image are particularly disturbing to you (see Brewin, 1996; Grey, Holmes, & Brewin, 2001; Smucker & Dancu, 1999; Young et al, 2003) What is your younger self feeling and thinking What messages are you getting (J S Beck, 1995) Finally, disturbing visual images can be modified using imagery restructuring or rescripting This involves collaboration between the therapist and patient in rewriting the feared image so that the outcome is more favorable.

For example, a rescripting of an upsetting image of the patient as a young girl being told that her mother might get sick if the girl went off on her own was rescripted to, I see myself telling my mother to stop being so demanding of me and stop being so selfish I have to live my own life, and she has to take care of her problems herself Imagery rescripting can lead to schema defenses that maintain the schema For example, in her rescripting she began to feel guilty and then afraid that something bad would happen to her mother because of her assertion These thoughts were then evaluated using cost-benefit analysis, examination of the evidence, rational role play, and asking what a good friend might think of this Replaying the rescripted image and writing out narratives to support it can be helpful in deepening the belief change.