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The first years of school are transitional years. The child will initially approach learning in the form of play and then transition to a more academic approach. As you move through the Focus On series, the instruction will begin with familiar play methods of learning and become more structured as your student masters each concept. Statistics have shown that a child will succeed at mathematics if they gain mastery of each concept before attempting to learn subsequent concepts. The focus on series of lessons bring a laser focus to each subject area, ensuring each necessary skill is fully developed before the student moves onto the next skill in the series. Continuity is critical to educational success. By ensuring your student gains a comprehensive understanding of each skill before transitioning to the next skill, you lay the groundwork for lifelong academic success.

The classification antiviral includes anything that destroys viruses or inhibits their ability to grow and reproduce. Herbals approach viral infection from two directions. They stimulate the immune system to produce more immune cells aiding your body's ability to fight the infection and they act in direct opposition to viruses by inhibiting their ability to grow and reproduce so they cannot survive. The first line of defense against viral infection is prevention . Disinfecting surfaces with known antiviral cleaners, maintaining good health through diet, rest, and exercise and minimizing exposure to infectious agents is far more effective than any treatment plan in the continued battle against viruses. Regardless of the preventative care you take, there are always times where treating an infection will be necessary. Traditionally, viral infection is fought by blending herbals that support the body's own natural defenses with those that act to kill the virus. Using a combination that blends both actions helps to minimize the duration and severity of any infection. Many herbs and oils act as natural immunostimulant and antiviral agents. Some of these natural products work as well as or even better than the products sold in your local pharmacy. Some of the items in your local pharmacy are even created based on the chemical constituents of plants you might have growing in your own yard. This guide contains antiviral agents that act as both disinfectants for infected air and surfaces and disease fighting agents for the body. Both categories eliminate harmful viruses. It is important that you read the traditional uses and side effects of each plant and discuss any alternative treatment with a qualified herbalist or physician prior to choosing a natural product.

Colorants are everywhere. You can find dyes in your decor, cosmetics, food, and in nearly every fabric in the home from your socks to your furniture. Many of these dyes are made using chemical alternatives to the abundant selection of all natural colorants you can find cheaply and easily in your own backyard. Whether you are hoping to make life more natural by creating your own, homemade colorants or hoping to replace one or two synthetic colorants with all natural plant dyes, you will find that coloring with natural choices is easy, fun, and yields amazing results. A natural colorant is a colorant that comes from minerals, plants, or invertebrates. The most common natural colorants come from plant sources like bark, berries, flowers, leaves, and roots. Potential dyeing options are everywhere and this book only illustrates the most traditionally used colorants and the methods I have employed to obtain my desired results. My favorite forms of natural dyes come from plant parts like berries, flowers, leaves, nuts, and roots. After reading this guide and gaining some skill with natural dyes, you should look around and experiment to see what new and creative natural colorants might be available in your own back yard. Remember that natural colorants are not just for dyeing fabric. You can use natural colorants to create homemade ink, paint, or even to dye Easter eggs. Some of our countries oldest documents were written with ink made from natural colorants. You can also use natural colorants to make meals more healthy and appealing. Sometimes I like to use unusual colors to make mealtime fun for the whole family. Purple mashed potatoes or glowing orange rice is always a fun surprise. You can even use plant products when you make personal care products like make up, soaps, and hair colorant. Many commercial cosmetics you purchase have their color roots in natural product dyes and with a little knowledge and a bit of practice, you can become a master at making pleasing looking and smelling products for your family that actually have benefits to go with their attractiveness. Nearly anything you work with that needs color is a potential choice for natural plant dyes! Natural colorants come in every shade you might want. You can even blend or tone the colors up and down to achieve the exact result you need for your project.

Normal, healthy skin is a beautiful sight, but aging means that many of us need a little help to keep our skin looking & feeling great. There are many simple actions and preventatives you can implement to help improve the look & feel of your skin. You can minimize sun exposure, detoxify your diet, get enough exercise, reduce environmental pollutants like smoking, and hydrate, hydrate, hydrate! A healthy lifestyle can have a dramatic and nearly instant effect on the health of your skin. Correct skin care can combat the hyper-pigmentation, collagen loss, roughness, thickening, fine lines, deep crevices and other common aging symptoms that occur on our skin because of external factors. The recipes in this book are designed to treat a variety of issues associated with aging including darkening, roughness, uneven tone, and wrinkles ranging from fine lines to deep crevices. Starting a good skin care regimen, whether it is early or late in your life, is critical to how you look & feel every single day. The recipes in this book help to treat the symptoms of external aging. Each recipe attempts to provide the most effective ingredients. Remember, each person will have a slightly different situation including environment, skin type, personal needs, and history. You should experiment to find the perfect solution for you! Natural care is about more than just using nature to solve a problem. Natural care is about CUSTOMIZING nature to solve your personal problem!

Acne is a common skin condition that causes whiteheads, blackheads, cystitis, or seborrhea. Acne is most common in people during the pubescent years but it can happen to anyone, at any age. The most common cause of acne appears to be genetic, but some environmental factors and life choices can also aggravate acne. Acne can appear in different ways on different people. Common acne can appear as red, scaly skin known as seborrhea, as black or white-headed pustules, and as inflamed, red bumps that may produce scarring. There are many natural treatments & preventatives you can try to help reduce or even stop your acne outbreaks. Acne is very specific to each individual so you should start by considering your lifestyle and potential acne triggers. Each person may have one or more triggers that must be corrected before the acne outbreaks will stop. You may be able to combat the severity of acne outbreaks by making some simple lifestyle changes. Once you have located the potential triggers of outbreaks for your personal situation, you will have a better idea of how to treat and even prevent future outbreaks. Remember, each person will have a slightly different situation including triggers, skin type, environment, and genetic history. You should experiment to find the perfect combination of lifestyle change and treatments for you! Natural care is about more than just using nature to solve a problem. Natural care is about CUSTOMIZING nature to solve your personal problem!

The classification antibacterial includes anything that destroys bacteria or inhibits the ability of bacteria to grow and reproduce. Herbals approach bacterial infection from two directions. They stimulate the immune system to produce more immune cells aiding your body's ability to fight the infection and they act in direct opposition to bacteria by inhibiting their ability to grow and reproduce so they cannot survive. The first line of defense against bacterial infection is prevention. Disinfecting surfaces with known antibacterial cleaners, maintaining good health through diet, rest, and exercise, and minimizing exposure to infectious agents is far more effective than any treatment plan in the continued battle against bacteria. Regardless of the preventative care you take, there are always times where treating an infection will be necessary. Traditionally, bacterial infection is fought by blending herbals that support the body's own natural defenses with those that act to inhibit and kill the bacteria. Using a combination that blends both actions helps to minimize the duration and severity of any infection. Many herbs and oils act as natural immunostimulant and antibacterial agents. Some of these natural products work as well as or even better than the products sold in your local pharmacy. Some of the items in your local pharmacy are even created based on the chemical constituents of plants you might have growing in your own yard. This guide contains antibacterial agents that act as both disinfectants for infected air and surfaces and disease fighting agents for the body. Both categories eliminate harmful bacteria. It is important that you read the traditional uses and side effects of each plant and discuss any alternative treatment with a qualified herbalist or physician prior to choosing a natural product.

The art of abstracting is one that involves a variety of skills. To begin the process of competently completing an abstract of title, you must first gain insight into the skills you must have in order to achieve success. These skills include an understanding of the fundamentals of real estate as it applies to the real property title you will research as well as an analysis of the specific tasks of title abstracting. You must also gain insight into the processes that occur beyond the research work that you will complete at the courthouse. Title abstracting is a core function within the real estate and mortgage lending industries. Many of the transactions that occur are able to do so because of the work that you will complete in reviewing and detailing the public records pertaining to the subject property you are to research. This coursework will provide you with fundamentals of real estate, the essential elements of title abstracting, and a look into the advanced practices involved in the issuance of title insurance. Each element of the course will assist you in gaining the fundamental skills that you need to begin on the path to abstracting success.

Tax Sale investment offers an incredible opportunity to obtain real estate for pennies on the dollar. The savvy investor, who gains an understanding of the essential research requirements of the successful tax sale investor, creates a solid foundation of knowledge of the tax sale opportunities that exists and generates an investment strategy that enables diversification and secure streams of income will have the tools necessary to challenge wealth and succeed with tax sale-investment opportunities. Over the coming weeks you will gain the knowledge and tools, you need to capitalize on the unlimited opportunities available to you through investment at tax sales and deeds. Real estate investment has enabled more Americans to achieve millionaire status than nearly any other opportunity available today. Now, you too can challenge wealth and succeed with tax sale-investment opportunities. The design of this coursework will provide you with the building blocks you will use to create the solid foundation necessary to begin building your real estate empire. You will obtain the knowledge you will require to implement the techniques and strategies necessary to make your tax sale investment experience successful. You have purchased one of the most powerful and comprehensive tax sale-investment courses available on the market. The tools and knowledge incorporated throughout the program will enable you to use the opportunity available within the arena of tax sale investments as the primary tool to grow you investment portfolio, obtain an exceptional return on each investment dollar you place and reach for the American Dream of millionaire status!

Congratulations on your decision to enter the mortgage-lending arena. Mortgage lending is one of the most secure, respected, and exciting career opportunities available. Each day will bring you challenges that you will overcome, the excitement of helping to create a loan program that meets the needs of both the borrower and the lender, and the satisfaction of helping each borrower achieve their dreams of home ownership. Home Mortgage Lending is an excellent career opportunity that provides stability, advancement, and a sense of satisfaction to the loan officer who obtains the knowledge and skills necessary to excel within the profession. The training contained in the course provides specific information concerning the loan process and the part you and others play in that process. The information we offer in this program provides you with the foundation that you need to become a well rounded mortgage professional. The top of your field, you will specialize in the overall picture. You will develop the perfect mix of knowledge and skills, add to it the creativity required when overcoming the specific issues that occur during the loan process, and begin on the path that will lead you to the top of your profession. Mortgage lending provides you with the career option that will make you one of the most highly respected professionals within your community. The skills that you will attain over the coming weeks will make you a commodity that is in high demand in the market. Research has shown that the most important attribute of a successful loan officer is the drive to succeed within their chosen profession. The drive to succeed surpasses educational degrees, experience and personal attributes. Purchasing this program shows that you have the initial drive needed to begin on the path toward career stability and success and the ability attain top-producer status. Mortgage Lending is perhaps one of the most satisfying career options available. You will perform the service of helping people to fulfill their dreams of home ownership. The industry is fast-paced, exciting and offers a stable opportunity to anyone willing to put forth the effort necessary to succeed. Each file you receive will contain a myriad of variations that will ensure every workday provides you with the challenge to perform at your best. The coursework builds the foundation that you will need in the coming days, months, and years. Upon successful completion of the coursework and an understanding of each review section, you will find that you are have a higher industry skill level then 90% of your competing loan officers.

Congratulations on your decision to enter the field of loss mitigation or expand your current industry skill set to encompass the details of loss mitigation, loan modification, or refinance options. Loss mitigation has long been an element within the banking industry. Present market conditions have caused this small segment of the industry to expand. This expansion presents you with an exceptional opportunity to enhance your career options. As a lender loss-mitigation expert, private loss-mitigation negotiator, or lender seeking career expansion through the processing of loss mitigation paper the newly expanded opportunity presented in loss mitigation specialization are unsurpassed in other, current career options. You will use your newly learned skills to Streamline the negotiation process between homeowners and lending institutions Maximize the negotiation position for the party for whom you work Facilitate fair and timely resolution to financial crises Ensure all parties achieve the loss mitigation results best suited to the situation Scrutinize the qualifications inherent to each homeowner and property to ensure that all loss mitigation resolutions achieve long term sustainability. Over the coming weeks, this coursework will provide you with the foundation of knowledge, tools, and skills that you need to bring each transaction to the most successful conclusion possible. The field of loss mitigation is an expanding arena that presents incredible opportunity for career expansion and growth. You will gain the ability to chart your own career path while ensuring that each day brings the satisfaction of knowing that your actions have increased the stability of the homeowner, the lender, and the national real estate market.

This companion study workbook for Kenney's Mortgage Lending Loan Officer Basic Training program helps to give you the tools that you need to master the material and gain the knowledge and skills essential to success within the field of mortgage lending. The study workbook contains a series of flash card study aids designed to assist you in retaining the core knowledge found within the coursework and a grouping of assessments that help you to gauge your mastery of each critical section of the materials.

This companion study workbook for Kenney's Mortgage Lending Loan Processor Basic Training program helps to give you the tools that you need to master the material and gain the knowledge and skills essential to success within the field of home mortgage loan processing. The study workbook contains a series of flash card study aids designed to assist you in retaining the core knowledge found within the coursework and a grouping of assessments that help you to gauge your mastery of each critical section of the materials.

Mortgage lending is one of the most secure, respected, and exciting career opportunities available. Each day will bring you challenges that you will overcome, the excitement of helping to create a loan program that meets the needs of both the borrower and the lender, and the satisfaction of helping each borrower achieve their dreams of home ownership. Home Mortgage Loan Processing is an excellent career opportunity that provides stability, advancement, and a sense of satisfaction to each loan processor who obtains the knowledge and skills necessary to excel within the profession. The training contained in the course provides specific information concerning the loan process and the part you and others play in that process. The information we offer in this program provides you with the foundation that you need to become a well rounded mortgage professional. The top of your field, you will specialize in the overall picture. You will develop the perfect mix of knowledge and skills, add to it the creativity required when overcoming the specific issues that occur during the loan process, and gain the ability to reach the top of your profession. The skills you are attaining will make you a commodity that is in high-demand in the market. Loan officers need efficient loan processors to function well and to achieve success. Underwriters rely on well-trained loan processors to ensure competently prepared loan files. Lending institutions depend on carefully trained and customer service oriented loan processors to enhance their reputation as a lender who cares about the overall experience of each borrower The room for advancement within the field of home mortgage lending is tremendous. Mortgage lending is a growing industry. This continued growth creates a constant need for properly trained professionals. You will be an integral part of this industry from the first day on the job. As an important part of the industry, you will prove your desire, drive, and abilities daily and thus ensure that advancement opportunities come your way. Loan processing is more than just processing paper. You will be involved in nearly every aspect of the loan. Lending is an exciting industry that fulfills the dreams of your borrowers. A primary portion of your new position will be to assist every individual in overcoming any issue that arises during the loan process that may delay or even stop the loan closing. You will play an essential role in ensuring that each borrower whose file comes across your desk fulfills their dream and becomes a homeowner. The satisfaction you receive from a job well done will keep you excited to return to work each day. Your loan officer and loan office will have small goals as well as large goals. You will be one of the most important components in reaching those goals.

Congratulations on your decision to enter the exciting field of Note Brokering. Few other opportunities provide the potential for success, career stability and incredible profits that as discounted cash flow note brokering. The field of Note Brokering contains numerous opportunities for growth, increased income and enhanced job security. Note Brokering is a little understood career field that provides an incredible opportunity to any individual willing to put forth the effort to understand the intricate concepts and activities necessary to achieve success. Over the coming weeks you will gain the knowledge and tools, you need to capitalize on the unlimited opportunities available to you through the brokering of the various notes that exist in the market but are currently not being sourced by other Brokers within your region. The design of this coursework will provide you with the building blocks that you will use to create the solid foundation necessary to begin building your new business. You will obtain the knowledge will require to implement the techniques and strategies necessary to make your note brokering career successful. You have purchased one of the most powerful and comprehensive courses available on the market. The tools and knowledge incorporated throughout the program will enable you to use the opportunity available within the arena of cash flow notes as the primary tool to grow you income, obtain career stability and become one of the most respected professionals within your community! Research has shown that the most important attribute of a successful Note Broker is the drive to succeed. The drive to succeed surpasses educational degrees, experience and personal attributes. Purchasing this program shows that you have initial drive needed to begin on the path toward career stability and success and attain top-producer status.

This companion study workbook for Kenney's Mortgage Lending Loan Processor Advanced Level 2 Training program helps to give you the tools that you need to master the material and gain the knowledge and skills essential to success within the field of mortgage lending. The study workbook contains a series of flash card study aids designed to assist you in retaining the core knowledge found within the coursework and a grouping of assessments that help you to gauge your mastery of each critical section of the materials.

Today's economic environment has again created a situation that includes a rise in foreclosed property, an increased demand for short term housing units, and individuals relocating to other regions of the country who are in need of rental property for housing both short and long term. This new boom in real estate rental housing has increased the demand for both professional and private real estate rental property managers. The career opportunities in the field of property management are varied. Once you have obtained a strong knowledge of property management and an understanding of the marketing requirements and the numbers necessary to achieve profitability, the ability to enter this field successfully will be within your grasp. You can start your own property management firm, making it as large or as small as you desire. You can become an on-staff property manager, marketing specialist or leasing consultant for an established firm in your area. You can obtain a position as a resident manager, which will allow you to obtain a paycheck for your efforts and reduced or even free housing within the rental building or complex. You can take your personal knowledge and skills and combine them with the strong knowledge base you are building to create a customized position that suits your specific needs and skills. Gaining a solid understanding of the fundamentals of rental property management is the first step toward successfully managing your own real estate investment portfolio or entering the field of a professional real estate property manager with more knowledge, tools, and skills than 95% of your competing managers.

This companion study workbook for Kenney's foreclosure prevention & loss mitigation specialist basic training program helps to give you the tools that you need to master the material and gain the knowledge and skills essential to success within the field of mortgage loss mitigation analysis and negotiation. The study workbook contains a series of flash card study aids designed to assist you in retaining the core knowledge found within the coursework and a grouping of assessments that help you to gauge your mastery of each critical section of the materials.

This companion study workbook for Hennin's real estate title search abstractor basic training program helps to give you the tools that you need to master the material and gain the knowledge and skills essential to success within the field of title abstracting. The study workbook contains a series of flash card study aids designed to assist you in retaining the core knowledge found within the coursework and a grouping of assessments that help you to gauge your mastery of each critical section of the materials.

This companion study workbook for S.K. Kenney's real estate closing settlement agent basic training program helps to give you the tools that you need to master the material and gain the knowledge and skills essential to success within the field of real estate settlement. The study workbook contains a series of flash card study aids designed to assist you in retaining the core knowledge found within the coursework and a grouping of assessments that help you to gauge your mastery of each critical section of the materials.

Winning With... Mortgage Finance provides potential borrowers with the opportunity to gain all of the insight necessary to navigate the home mortgage process. Obtaining home mortgage finance is among the most monumental milestones in your life. In addition to being an incredible opportunity to ain the funds that you need to purchase the home of your dreams, mortgage finance can be a confusing, expensive, and complex process. The education that you receive through Winning With ... Mortgage Finance will provide you with the knowledge that you need to save hundreds, even thousands of dollars in up-front closing costs and interest payments over the life of your loan. Each segment of the mortgage lending process is detailed in an easy to understand format designed to help you to gain the knowledge and tools that you need to negotiate the perfect mortgage loan for your home purchase. This book provides the essential information that you will use to assist you in choosing service providers, understanding lending criteria and negotiating for the best loan for you and your family. By being better informed, you will be able to better negotiate your loan and feel confident in your ability to master every step of the home mortgage process. Written by S.K. Kenney, a Mortgage Professional with a proven history of success in Mortgage Banking and Brokering Management this program will give you the knowledge & tools that you need to WIN in the mortgage finance arena!

Congratulations on your decision to improve your skills and knowledge base to increase your career potential. The breadth of skills you have mastered to reach a level of competence where you feel secure in stating that you are ready for an advanced degree of training is enormous. This course is an advanced education program for professional Mortgage Loan Processors who have the experience and skills in place that allow them to perform their job efficiently. What we will do in the coming days is fine-tune your advanced practices to incorporate new, upper level skills into your workday. These new practices and skills will assist you in understanding the advanced practices your packages undergo as they move through the loan strategy planning, underwriting, and approval processes. This new understanding will assist you in gaining the ability to qualify your packages before they reach the desk of the underwriter. You will learn to assess each item that may create an additional stipulation or slow the loan process before you submit the package to the underwriter. This ability will enable you to address many of these issues before it even becomes an issue. Competently handling potential problems before they develop into a true roadblock in the path to closing the loan will dramatically smooth your processes. You will decrease the time from loan submittal to loan closing and promote a higher level of satisfaction within each individual involved in the loan process. The materials in this course are applicable for all levels within the mortgage office structure. The materials you will review in the following days are materials that cross over every position within the system and lead to the path to success. When you have completed the course inclusions, you will know that you are walking into your office better skilled and with more promotion potential than those who have not taken the initiative to improve their career building skills. Moreover, you will know that you obtained this advanced degree of knowledge and skill because you have a special spark and forward moving potential that made you a candidate for enrollment. You have shown that you have excellent tools and proven techniques you use on a daily basis to ensure you perform your duties in a professional and efficient manner. This course will not attempt to alter your excellent performance but rather will fine-tune certain aspects of your professional skills to lead you to greater success both on a daily basis and throughout your career. Once you have mastered the skills included, you will find that your workday progresses more smoothly. There will be enough time in the day to complete each task on your desk. Best of all your potential will increase with each Chapter you master.

Seller financing options present an incredible opportunity to anyone involved in real estate transactions. Whether you are a buyer, a seller, an investor or even a real estate professional, a comprehensive understanding of seller financing and the opportunities it provides can allow you to obtain your goals much more quickly and more simply than nearly any other opportunity in the real estate or personal investment arenas today. Sellers will learn how to sell their properties much more quickly, with fewer hassles and headaches and for MORE money than ever before. Buyers, any buyers, regardless of their personal situation, can fulfill their dreams of home ownership now. With less up-front money, fewer credit guidelines and a simpler transaction than with other financing and purchase options available in the conventional market. Investors can leverage more real estate than ever before building their cash flow, return on investment and net worth in ways never before imagined. Real Estate Agentscan benefit from a comprehensive understanding of creative financing techniques by learning how to sell more homes, more quickly and to more buyers than ever before. Creative financing is defined as financing that falls outside the standard conventional financing offered by banks and lending institutions. This course is designed to aid you in understanding what types of financing are commonly negotiated and between a buyer and a seller and to provide the information you need to convert these tried and true methods for use in your personal situation. The materials will provide you with a crash course in seller finance that will enable you to customize your negotiations around your specific needs. You will gain the upper hand in any negotiation process by obtaining the knowledge needed to have a full understanding of the perspective of the other party!

The first years of school are transitional years. The child will initially approach learning in the form of play and then transition to a more academic approach. As you move through the Focus On series, the instruction will begin with familiar play methods of learning and become more structured as your student masters each concept. Statistics have shown that a child will succeed at mathematics if they gain mastery of each concept before attempting to learn subsequent concepts. The focus on series of lessons bring a laser focus to each subject area, ensuring each necessary skill is fully developed before the student moves onto the next skill in the series. Continuity is critical to educational success. By ensuring your student gains a comprehensive understanding of each skill before transitioning to the next skill, you lay the groundwork for lifelong academic success.

Title closing is the time when a real estate transfer or purchase transaction is completed. Specific terminology may vary by region and other common terms used to describe this transaction include closing escrow or holding a settlement meeting. Regardless of terminology, the results of the closing are the same, a completed real estate transfer where all contractual items are fulfilled and both parties' obligations are legally settled. These transfers often require the services of a trained real estate settlement agent. The purpose behind having a trained settlement agent oversee the closing process is to provide an impartial third party who will finalize all of the transaction details. This ensures that the transaction is closed in a fair manner and that all parties fulfill their contractual obligations. The title used to describe a settlement agent may also vary by region. Closing agent or escrow agent are commonly heard titles used in relationship to this position. The career of a Real Estate Settlement Agent can be both rewarding and lucrative. This coursework is designed to assist you in gaining the knowledge, tools, and skills that you need to begin on the path to career success as a Real Estate Closing Settlement Agent.

Congratulations on your decision to gain the skills that will enable you to become a top insurance claims adjuster. The position of an insurance adjuster requires attention to detail, critical thinking skills, exceptional judgment, decision-making capability, and an understanding of your responsibility to both the homeowner and the insurance company. As a property claims adjuster, you will apply the knowledge, tools, and skills necessary to ensure that property claims settlements are processed speedily and that settlement is fair to all parties. You will assist people in navigating the many responsibilities relating to a personal property claim while providing the support necessary to assist the insured in recovering from a difficult period in their lives. The professionalism you will bring to the field helps to ensure that the insurer is protected from false, expanded, and fraudulent claims. Positions within the field of insurance claims are stable, challenging, and present an exceptional opportunity for personal and career growth. Individuals and business owners purchase insurance to help protect them against losses that may occur due to events beyond their control. When a loss occurs, the policyholder will seek monetary assistance from the insurance company that has issued a policy that protects their home or business. When a loss occurs, the insurance claims adjuster's primary duties are to investigate and evaluate each element of the claim, negotiate claim payment settlements and ensure that the claim process is closed in a manner that is fair and just for all parties. This course provides the fundamental knowledge, tools, and skills that you need to start on the path to adjusting career success.