IdeaWazaWiki - User contributions [en]

Massive Multiplayer Online Role Playing Game Research Project

2007-04-11T05:19:48Z

67.82.74.30:

Welcome to the Massive Multiplayer Online Role Playing Game Research Project (MMORPGRP - pronounced Morp-Group)

There are currently a variety of open source massive multiplayer online role playing game (MMORPG) projects in existence [http://sourceforge.net/search/?type_of_search=soft&words=mmorpg over at Sourceforge].

There are many novel MMORPG's in existence.

There are also 3d engines such as Crystalspace that are open source.

This research project may attempt to discover how to to integrate the most appropriate technologies to develop an MMORPG that is:
* Flexible (like a gymnast)
* Fun (like a fun person)
* Fast (like a cheetah)
* Decentralized (like something not central)
* Secure (like a safe)
* Light (like a feather)
* Portable (like a car)
* Open (like an open door)

== Questions to Answer ==
* What is the corporate appeal of projects like Second Life?
* What has contributed to World of Warcraft's amazing success?
The amount of content, support, the blizzard name, the previous warcraft titles, amazing maintainance and updates(patches)
* How can custom scripting be implemented into an MMORPG?
addons (i.e. WoW using LUA)
* What would be a more specific and appropriate name for this project?
* How could security be implemented in a decentralized MMORPG while still keeping the integrity of character abilities and powers?
check abilities/powers etc against a database record and check for increases or decreases according to items or benificial effects and check where they came from and block "bad" ones.
** How could this question be worded more succinctly and clearly?

== External Links ==
=== Possibly useful open source projects ===
* [http://www.crystalspace3d.org/main/Main_Page CrystalSpace3d] - An open source portable 3d gaming engine.
* [http://sourceforge.net/projects/ex-naryan/ Expanses of Naryan] - An open source 3d MMORPG
* [http://sourceforge.net/projects/aocpp/ aocpp] An open source C++ port of Argentum Online, a 2D MMORPG(AKA project Morgoao ).
* [http://sourceforge.net/projects/themanaworld/ The ManaWorld] - An open source 2D MMORPG with lots of support.
* [http://freshmeat.net/projects/angelion-tdc/ Angelion] - Isometric 2d MMORPG with realtime map editing.
* [http://freshmeat.net/projects/fife/ FIFE] - An isometric 2D fallout like engine.
* [http://freshmeat.net/projects/angelion-tdc/ Angelion: The Demon Project] - Another MMORPG
* [http://sourceforge.net/projects/daimonin/ Daimonin] - " "
* [http://sourceforge.net/projects/isotope/ Isotope] - An open source '''decentralized''' MMORPG
* [http://sourceforge.net/projects/mmorpgcomplex/ PHP MMORPG (AcetoneRPG)] - An MMORPG framework designed to work in a web browser using Ajax, PHP, and MySQL
* [http://www.continuousphysics.com/Bullet/ Bullet Physics Engine] - Open source free to use physics library. Pretty slick.

[[Category:Research]]
[[Category:Computer science]]
[[Category:Software development]]

Massive Multiplayer Online Role Playing Game Research Project

2007-04-11T05:18:48Z

67.82.74.30:

Welcome to the Massive Multiplayer Online Role Playing Game Research Project (MMORPGRP - pronounced Morp-Group)

There are currently a variety of open source massive multiplayer online role playing game (MMORPG) projects in existence [http://sourceforge.net/search/?type_of_search=soft&words=mmorpg over at Sourceforge].

There are many novel MMORPG's in existence.

There are also 3d engines such as Crystalspace that are open source.

This research project may attempt to discover how to to integrate the most appropriate technologies to develop an MMORPG that is:
* Flexible (like a gymnast)
* Fun (like a fun person)
* Fast (like a cheetah)
* Decentralized (like something not central)
* Secure (like a safe)
* Light (like a feather)
* Portable (like a car)
* Open (like an open door)

== Questions to Answer ==
* What is the corporate appeal of projects like Second Life?
* What has contributed to World of Warcraft's amazing success?
The amount of content, support, the blizzard name, the previous warcraft titles, amazing maintainance and updates(patches)
* How can custom scripting be implemented into an MMORPG?
addons (i.e. WoW using LUA)
* What would be a more specific and appropriate name for this project?
* How could security be implemented in a decentralized MMORPG while still keeping the integrity of character abilities and powers?
check abilities/powers etc against a database record and check for increases or decreases according to items or benificial effects and check where they came from and block "bad" ones.
** How could this question be worded more succinctly and clearly?

== External Links ==
=== Possibly useful open source projects ===
* [http://www.crystalspace3d.org/main/Main_Page CrystalSpace3d] - An open source portable 3d gaming engine.
* [http://sourceforge.net/projects/ex-naryan/ Expanses of Naryan] - An open source 3d MMORPG
* [http://sourceforge.net/projects/aocpp/ aocpp] A open source C++ port of Argentum Online, a 2D MMORPG(AKA project Morgoao ).
* [http://sourceforge.net/projects/themanaworld/ The ManaWorld] - An open source 2D MMORPG with lots of support.
* [http://freshmeat.net/projects/angelion-tdc/ Angelion] - Isometric 2d MMORPG with realtime map editing.
* [http://freshmeat.net/projects/fife/ FIFE] - An isometric 2D fallout like engine.
* [http://freshmeat.net/projects/angelion-tdc/ Angelion: The Demon Project] - Another MMORPG
* [http://sourceforge.net/projects/daimonin/ Daimonin] - " "
* [http://sourceforge.net/projects/isotope/ Isotope] - An open source '''decentralized''' MMORPG
* [http://sourceforge.net/projects/mmorpgcomplex/ PHP MMORPG (AcetoneRPG)] - An MMORPG framework designed to work in a web browser using Ajax, PHP, and MySQL
* [http://www.continuousphysics.com/Bullet/ Bullet Physics Engine] - Open source free to use physics library. Pretty slick.

[[Category:Research]]
[[Category:Computer science]]
[[Category:Software development]]

Archive:Home insurance

2006-02-23T21:41:27Z

67.82.148.84:

'''Home insurance''', or '''homeowners insurance''', is an [[insurance]] policy that combines various personal insurance protections which can include losses occurring to ones home, its contents, loss of its use (additional living expenses), loss of other personal possessions of the homeowner, as well as [[liability]] insurance for accidents that may happen at the home.

The cost of homeowners insurance often depends on what it would cost to replace the house and which additional riders—additional items to be insured—are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events. Typically, claims due to collapse, [[earthquakes]], [[floods]], "[[Act of God|Acts of God]]", [[war]] (whose definition typically includes a nuclear explosion from any source) or any type od earth movement (such as landslide, debris slide, mud flow/debris flow, to name a few) are excluded. Special insurance can be purchased for some of these possibilities, including [[flood insurance]] and [[earthquake insurance]].

The home insurance policy is usually a term contract—a contract that is in effect for a fixed period of time. The payment the insured makes to the insurer is called the premium. The insured must pay the insurer the premium each term. Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a [[fire engine|fire station]], or if the house is equipped with fire sprinklers and fire alarms. [[Perpetual_Insurance|Perpetual insurance]], which is type of home insurance without a fixed term, can also be obtained in certain areas.

In the [[United States]], most home buyers borrow money in the form of a [[mortgage]], and the mortgage lender always requires that the buyer purchase homeowners insurance as a condition of the loan, in order to protect the bank if the home were to be destroyed. Anyone with an insurable interest in the property should be listed on the policy.
== Types of Homeowners Insurance ==
===United States===
As described in Wiening et. al. {{ref_harvard|PI|2002: 5.3–5.4|none}}, prior to the [[1950]]'s, there were separate policies for the various perils that could affect a home. A homeowner would have had to purchase separate policies covering fire losses, theft, personal property, and the like. During the [[1950s]], policy forms were developed, allowing the homeowner to purchase all the insurance they needed on one complete policy. However, these policies varied by insurance company, and were difficult to comprehend.

In the [[1970]]'s the need for standardization grew so great that the [[Insurance Services Office]], also known as the [http://www.iso.com/ ISO], issued a simplified homeowners policy. These policies have been amended over the years until currently, the ISO has six standardized homeowners insurance forms in general and consistent use . Of these HO-3 is the most common policy followed by HO-4 and HO-6. Others that are less used, though still significant, are HO-1, HO-2 and HO-5. Each is summarized below:

;HO-1:A limited policy that offers varying degrees of coverage but only for items specifically outlined in the policy. These might be used to cover a valuable object found in the home, such as a painting.
;HO-2:Similar to HO-1, HO-2 is a limited policy in that it covers specific portions of a house against damage. The coverage is usually a "named perils" policy, which lists the events that would be covered. As above, these factors must be spelled out in the policy.
;HO-3:This policy is the most common written for a homeowner and is designed to cover all aspects of the home, structure and it contents as well as any liability that may arise from daily use as well as any visitors who may encounter accident or injury on the premises. Covered aspects as well as limits of liability must be clearly spelled out in the policy to insure proper coverage. The coverage is usually called "all risk".
;HO-4:This is commonly referrened to as renters insurance. Similar to HO-6, this policy covers those aspects of the apartment and its contents not specifically covered in the blanket policy written for the complex. This policy can also cover liabilities arising from accidents and intentional injuries for guests as well as passers-by up to 150' of the domicile.
;HO-5:This policy, similar to HO-3, covers a home (not a condo or apartment), the homeowner and its possessions as well as any liability that might arise from visitors or passers-by. This coverage is differentiated in that it covers a wider breadth and depth of incidents and losses than an HO-3.
;HO-6:As a form of supplemental homeowner's insurance, '''HO-6''', also known as a Condominium Coverage, is designed especially for the owners of condos. It includes coverage for the part of the building owned by the insured and for the property housed therein of the insured. Designed to span the gap between what the homeowner's association might cover in a blanket policy written for an entire neighborhood and those items of importance to the insured, typically the HO-6 covers liability for residents and guests of the insured in addition to personal property. The liability coverage, depending on the underwriter, premium paid, and other factors of the policy, can cover incidents up to 150' from the insured property, all valuables within the home from theft, fire or water damage or other forms of loss. It is important to read the Associations By-laws to determine the total amount of insurance needed on your dwelling.

==References==
*{{note_label|PI|2002: 5.3–5.4|none}}{{cite book
| last = Wiening
| first = Eric
| authorlink =
| coauthors = George Rejda, Constance Luthardt, Cheryl Ferguson
| editor =
| others =
| title = '''Personal Insurance'''
| origdate =
| origyear =
| origmonth =
| url =
| format =
| accessdate =
| accessyear =
| accessmonth =
| edition = 1st edition
| date =
| year = 2002
| month =
| publisher = American Institute for Chartered Property Casualty Underwriters/Insurance Institue of America
| location = [[Malvern, Pennsylvania]]
| language =
| id = ISBN 0-89463-108-X
| pages =
| chapter =
| chapterurl =
}}

[[Category:Insurance]]