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encompass mortgage software training: Mortgage Banking , 2009 |
encompass mortgage software training: Loan Officer Training Alex Johnson, 2007-12-01 Thinking about a career as a residential mortgage loan officer? Our Manual provides loan officer training and mortgage broker training for individuals at every level of the mortgage industry-from basic training for those just starting out |
encompass mortgage software training: Manufacturing Demand David Lewis, 2012-11 Historically, the discipline of marketing has been heavily skewed toward a subjective art at the expense of a measurable science. But the days of hunches, intuitions, and incomplete or misleading perspectives are rapidly disappearing. Today, savvy marketers and forward-looking organizations are embracing innovative new models driven by cutting-edge technology and analytics to align sales and marketing, pinpoint (and respond to) customer needs, and achieve breakthrough revenue gains. In Manufacturing Demand, marketing guru David Lewis, CEO of DemandGen International, reveals the transformations taking place in marketing today, including the rise of the marketing geek and the emergence of the so-called fifth and sixth P s of marketing: Process and Programming. You ll learn about the key practices and principles of creating your demand-generation factory: buyer personas, the demand funnel, lead scoring, lead nurturing, and analytics. Plus, Manufacturing Demand presents plenty of actionable tips and recommendations as well as real-world case studies that showcase how leading companies are achieving tremendous results applying these principles of successful lead management. If you re ready to move into of the next generation of marketing, get ready to start Manufacturing Demand. |
encompass mortgage software training: Guide to Real Estate & Mortgage Banking Software , 1990 |
encompass mortgage software training: High-Performance Training for Sports David Joyce, Daniel Lewindon, 2014-06-09 High-Performance Training for Sports changes the landscape of athletic conditioning and sports performance. This groundbreaking work presents the latest and most effective philosophies, protocols and programmes for developing today’s athletes. High-Performance Training for Sports features contributions from global leaders in athletic performance training, coaching and rehabilitation. Experts share the cutting-edge knowledge and techniques they’ve used with Olympians as well as top athletes and teams from the NBA, NFL, MLB, English Premier League, Tour de France and International Rugby. Combining the latest science and research with proven training protocols, High-Performance Training for Sports will guide you in these areas: • Optimise the effectiveness of cross-training. • Translate strength into speed. • Increase aerobic capacity and generate anaerobic power. • Maintain peak conditioning throughout the season. • Minimise the interference effect. • Design energy-specific performance programmes. Whether you are working with high-performance athletes of all ages or with those recovering from injury, High-Performance Training for Sports is the definitive guide for developing all aspects of athletic performance. It is a must-own guide for any serious strength and conditioning coach, trainer, rehabilitator or athlete. |
encompass mortgage software training: Powering the Digital Economy: Opportunities and Risks of Artificial Intelligence in Finance El Bachir Boukherouaa, Mr. Ghiath Shabsigh, Khaled AlAjmi, Jose Deodoro, Aquiles Farias, Ebru S Iskender, Mr. Alin T Mirestean, Rangachary Ravikumar, 2021-10-22 This paper discusses the impact of the rapid adoption of artificial intelligence (AI) and machine learning (ML) in the financial sector. It highlights the benefits these technologies bring in terms of financial deepening and efficiency, while raising concerns about its potential in widening the digital divide between advanced and developing economies. The paper advances the discussion on the impact of this technology by distilling and categorizing the unique risks that it could pose to the integrity and stability of the financial system, policy challenges, and potential regulatory approaches. The evolving nature of this technology and its application in finance means that the full extent of its strengths and weaknesses is yet to be fully understood. Given the risk of unexpected pitfalls, countries will need to strengthen prudential oversight. |
encompass mortgage software training: Plunkett's Banking, Mortgages & Credit Industry Almanac , 2007 |
encompass mortgage software training: Commercial Lending Basics Edward K. Gill, 1983 Commercial lending is an area which involves a certain degree of risk. This text aims to familiarize professionals with the pertinent issues, thus reducing the degree of risk. It disucsses the steps that must be taken before a commercial loan is granted and examines such topics as financial statement analysis and policy formulation. |
encompass mortgage software training: Social Science Research Anol Bhattacherjee, 2012-04-01 This book is designed to introduce doctoral and graduate students to the process of conducting scientific research in the social sciences, business, education, public health, and related disciplines. It is a one-stop, comprehensive, and compact source for foundational concepts in behavioral research, and can serve as a stand-alone text or as a supplement to research readings in any doctoral seminar or research methods class. This book is currently used as a research text at universities on six continents and will shortly be available in nine different languages. |
encompass mortgage software training: Managing the New Bank Technology Marilyn R. Seymann, 2020-09-29 Managing the New Bank Technology is a practical action-oriented guide for bank CEOs, executives, business students, and boards. The book is aimed at educating those involved in banking on the key technological issues facing the industry. Quick reference guides opening each chapter are a special feature of the book, blueprints that offer bottom line summary suggestions for bank officers and executives. Topics include: Banking as Retailing; The Internet and Financial Services; Strategies for Future Payment Systems; Risk Management Technology; Protecting Technology Investments in an Age of Rapid Change; Negotiating Outsourcing Contracts; Developing an Information System Plan; Organizational Strategies to Manage Technology; Battling Fraud and Security Issues; and Selling Your Bank's Technology Vision. |
encompass mortgage software training: Plunkett's InfoTech Industry Almanac 2007 (E-Book) Jack W. Plunkett, 2007-02 Market research guide to the infotech industry a tool for strategic planning, competitive intelligence, employment searches or financial research. Contains trends, statistical tables, and an industry glossary. Includes one page profiles of infotech industry firms, which provides data such as addresses, phone numbers, and executive names. |
encompass mortgage software training: Education for Sustainable Development Goals Rieckmann, Marco, 2017-03-20 |
encompass mortgage software training: The Franchise Annual , 1998 |
encompass mortgage software training: Office Administration and Automation , 1983 |
encompass mortgage software training: Community Banker , 2004-07 |
encompass mortgage software training: Actionable Learning Terrence Morrison, 2001 |
encompass mortgage software training: The Promise of Assistive Technology to Enhance Activity and Work Participation National Academies of Sciences, Engineering, and Medicine, Health and Medicine Division, Board on Health Care Services, Committee on the Use of Selected Assistive Products and Technologies in Eliminating or Reducing the Effects of Impairments, 2017-09-01 The U.S. Census Bureau has reported that 56.7 million Americans had some type of disability in 2010, which represents 18.7 percent of the civilian noninstitutionalized population included in the 2010 Survey of Income and Program Participation. The U.S. Social Security Administration (SSA) provides disability benefits through the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. As of December 2015, approximately 11 million individuals were SSDI beneficiaries, and about 8 million were SSI beneficiaries. SSA currently considers assistive devices in the nonmedical and medical areas of its program guidelines. During determinations of substantial gainful activity and income eligibility for SSI benefits, the reasonable cost of items, devices, or services applicants need to enable them to work with their impairment is subtracted from eligible earnings, even if those items or services are used for activities of daily living in addition to work. In addition, SSA considers assistive devices in its medical disability determination process and assessment of work capacity. The Promise of Assistive Technology to Enhance Activity and Work Participation provides an analysis of selected assistive products and technologies, including wheeled and seated mobility devices, upper-extremity prostheses, and products and technologies selected by the committee that pertain to hearing and to communication and speech in adults. |
encompass mortgage software training: Balanced Scorecard Step-by-Step Paul R. Niven, 2002-10-15 This book explains how an organization can measure and manage performance with the Balanced Scorecard methodology. It provides extensive background on performance management and the Balanced Scorecard, and focuses on guiding a team through the step-by-step development and ongoing implementation of a Balanced Scorecard system. Corporations, public sector agencies, and not for profit organizations have all reaped success from the Balanced Scorecard. This book supplies detailed implementation advice that is readily applied to any and all of these organization types. Additionally, it will benefit organizations at any stage of Balanced Scorecard development. Regardless of whether you are just contemplating a Balanced Scorecard, require assistance in linking their current Scorecard to management processes, or need a review of their past measurement efforts, Balanced Scorecard Step by Step provides detailed advice and proven solutions. |
encompass mortgage software training: Catalogs of Courses University of California, Berkeley, 1993 Includes general and summer catalogs issued between 1878/1879 and 1995/1997. |
encompass mortgage software training: Transportation Planning Handbook ITE (Institute of Transportation Engineers), Michael D. Meyer, 2016-08-01 A multi-disciplinary approach to transportation planning fundamentals The Transportation Planning Handbook is a comprehensive, practice-oriented reference that presents the fundamental concepts of transportation planning alongside proven techniques. This new fourth edition is more strongly focused on serving the needs of all users, the role of safety in the planning process, and transportation planning in the context of societal concerns, including the development of more sustainable transportation solutions. The content structure has been redesigned with a new format that promotes a more functionally driven multimodal approach to planning, design, and implementation, including guidance toward the latest tools and technology. The material has been updated to reflect the latest changes to major transportation resources such as the HCM, MUTCD, HSM, and more, including the most current ADA accessibility regulations. Transportation planning has historically followed the rational planning model of defining objectives, identifying problems, generating and evaluating alternatives, and developing plans. Planners are increasingly expected to adopt a more multi-disciplinary approach, especially in light of the rising importance of sustainability and environmental concerns. This book presents the fundamentals of transportation planning in a multidisciplinary context, giving readers a practical reference for day-to-day answers. Serve the needs of all users Incorporate safety into the planning process Examine the latest transportation planning software packages Get up to date on the latest standards, recommendations, and codes Developed by The Institute of Transportation Engineers, this book is the culmination of over seventy years of transportation planning solutions, fully updated to reflect the needs of a changing society. For a comprehensive guide with practical answers, The Transportation Planning Handbook is an essential reference. |
encompass mortgage software training: Innovation Policy and the Economy, 2016 Shane M. Greenstein, Joshua Lerner, Scott Stern, 2017-04-24 The seventeenth volume of the National Bureau of Economic Research’s Innovation Policy and the Economy provides an accessible forum for bringing the work of leading academic researchers to an audience of policymakers and those interested in the interaction between public policy and innovation. In the first chapter, Joel Waldfogel discusses how reduced costs of production have resulted in a “Golden Age of Television,” arguing that this development has gone underappreciated. The second chapter, by Marc Rysman and Scott Schuh, discusses the prospects for innovation in payment systems, including mobile payments, faster payment systems, and digital currencies. In the third chapter, Catherine Tucker and Amalia Miller analyze the consequences of patient data becoming virtually costless to store, share, and individualize, showing how data management and privacy issues have become a key factor in health policy. The fourth chapter, by Michael Luca, examines how online marketplaces have proliferated over the past decade, evolving far beyond the pioneers such as eBay and Amazon. In the fifth chapter, Tim Bresnahan and Pai-Ling Yin characterize information and communication technologies in the workplace, addressing how wages vary with increasing demand for smart managers and professionals, and workers with organizational participation skills. |
encompass mortgage software training: 7L: The Seven Levels of Communication Michael J. Maher, 2014-09-02 Can you imagine receiving a referral each and every day? Neither could real estate agent Rick Masters. (7L) The Seven Levels of Communication tells the entertaining and educational story of Rick Masters, who is suffering from a down economy when he meets a mortgage professional who has built a successful business without advertising or personal promotion. Skeptical, he agrees to accompany her to a conference to learn more about her mysterious methods. Rick soon learns that the rewards for implementing these strategies are far greater than he had ever imagined. In seeking success, he finds significance. This heartwarming tale of Rick's trials and triumphs describes the exact strategies that helped him evolve from the Ego Era to the Generosity Generation. This book is about so much more than referrals. This is about building a business that not only feeds your family, but also feeds your soul. |
encompass mortgage software training: Mortgage Banker , 1979 |
encompass mortgage software training: Code Charles Petzold, 2022-08-02 The classic guide to how computers work, updated with new chapters and interactive graphics For me, Code was a revelation. It was the first book about programming that spoke to me. It started with a story, and it built up, layer by layer, analogy by analogy, until I understood not just the Code, but the System. Code is a book that is as much about Systems Thinking and abstractions as it is about code and programming. Code teaches us how many unseen layers there are between the computer systems that we as users look at every day and the magical silicon rocks that we infused with lightning and taught to think. - Scott Hanselman, Partner Program Director, Microsoft, and host of Hanselminutes Computers are everywhere, most obviously in our laptops and smartphones, but also our cars, televisions, microwave ovens, alarm clocks, robot vacuum cleaners, and other smart appliances. Have you ever wondered what goes on inside these devices to make our lives easier but occasionally more infuriating? For more than 20 years, readers have delighted in Charles Petzold's illuminating story of the secret inner life of computers, and now he has revised it for this new age of computing. Cleverly illustrated and easy to understand, this is the book that cracks the mystery. You'll discover what flashlights, black cats, seesaws, and the ride of Paul Revere can teach you about computing, and how human ingenuity and our compulsion to communicate have shaped every electronic device we use. This new expanded edition explores more deeply the bit-by-bit and gate-by-gate construction of the heart of every smart device, the central processing unit that combines the simplest of basic operations to perform the most complex of feats. Petzold's companion website, CodeHiddenLanguage.com, uses animated graphics of key circuits in the book to make computers even easier to comprehend. In addition to substantially revised and updated content, new chapters include: Chapter 18: Let's Build a Clock! Chapter 21: The Arithmetic Logic Unit Chapter 22: Registers and Busses Chapter 23: CPU Control Signals Chapter 24: Jumps, Loops, and Calls Chapter 28: The World Brain From the simple ticking of clocks to the worldwide hum of the internet, Code reveals the essence of the digital revolution. |
encompass mortgage software training: Operations, Logistics and Supply Chain Management Henk Zijm, Matthias Klumpp, Alberto Regattieri, Sunderesh Heragu, 2018-08-29 This book provides an overview of important trends and developments in logistics and supply chain research, making them available to practitioners, while also serving as a point of reference for academicians. Operations and logistics are cornerstones of modern supply chains that in turn are essential for global business and economics. The composition, character and importance of supply chains and networks are rapidly changing, due to technological innovations such as Information and Communication Technologies, Sensors and Robotics, Internet of Things, and Additive Manufacturing, to name a few (often referred to as Industry 4.0). Societal developments such as environmental consciousness, urbanization or the optimal use of scarce resources are also impacting how supply chain networks are configured and operated. As a result, future supply chains will not just be assessed in terms of cost-effectiveness and speed, but also the need to satisfy agility, resilience and sustainability requirements. To face these challenges, an understanding of the basic as well as more advanced concepts and recent innovations is essential in building competitive and sustainable supply chains and, as part of that, logistics and operations. These span multiple disciplines and geographies, making them interdisciplinary and international. Therefore, this book contains contributions and views from a variety of experts from multiple countries, and combines management, engineering as well as basic information technology and social concepts. In particular, it aims to: provide a comprehensive guide for all relevant and major logistics, operations, and supply chain management topics in teaching and business practice address three levels of expertise, i.e., concepts and principles at a basic (undergraduate, BS) level, more advanced topics at a graduate level (MS), and finally recent (state-of-the-art) developments at a research level. In particular the latter serve to present a window on current and future (potential) logistics innovations in the different thematic fields for both researchers and top business practitioners integrate a textbook approach with matching case studies for effective teaching and learning discuss multiple international perspectives in order to represent adequately the true global nature of operations, logistics and supply chains. |
encompass mortgage software training: Banking Information Index , 2006 |
encompass mortgage software training: Qualitative Data Analysis Ian Dey, 2003-09-02 Qualitative Data Analysis shows that learning how to analyse qualitative data by computer can be fun. Written in a stimulating style, with examples drawn mainly from every day life and contemporary humour, it should appeal to a wide audience. |
encompass mortgage software training: Computerworld , 1982-10-25 For more than 40 years, Computerworld has been the leading source of technology news and information for IT influencers worldwide. Computerworld's award-winning Web site (Computerworld.com), twice-monthly publication, focused conference series and custom research form the hub of the world's largest global IT media network. |
encompass mortgage software training: Moody's International Manual , 1997 |
encompass mortgage software training: Permanent Foundations Guide for Manufactured Housing University of Illinois at Urbana-Champaign. School of Architecture-Building Research Council, 1996 |
encompass mortgage software training: Careers and the MBA. , 1990 |
encompass mortgage software training: SCLC , 2003 |
encompass mortgage software training: Spam Finn Brunton, 2015-01-30 What spam is, how it works, and how it has shaped online communities and the Internet itself. The vast majority of all email sent every day is spam, a variety of idiosyncratically spelled requests to provide account information, invitations to spend money on dubious products, and pleas to send cash overseas. Most of it is caught by filters before ever reaching an in-box. Where does it come from? As Finn Brunton explains in Spam, it is produced and shaped by many different populations around the world: programmers, con artists, bots and their botmasters, pharmaceutical merchants, marketers, identity thieves, crooked bankers and their victims, cops, lawyers, network security professionals, vigilantes, and hackers. Every time we go online, we participate in the system of spam, with choices, refusals, and purchases the consequences of which we may not understand. This is a book about what spam is, how it works, and what it means. Brunton provides a cultural history that stretches from pranks on early computer networks to the construction of a global criminal infrastructure. The history of spam, Brunton shows us, is a shadow history of the Internet itself, with spam emerging as the mirror image of the online communities it targets. Brunton traces spam through three epochs: the 1970s to 1995, and the early, noncommercial computer networks that became the Internet; 1995 to 2003, with the dot-com boom, the rise of spam's entrepreneurs, and the first efforts at regulating spam; and 2003 to the present, with the war of algorithms—spam versus anti-spam. Spam shows us how technologies, from email to search engines, are transformed by unintended consequences and adaptations, and how online communities develop and invent governance for themselves. |
encompass mortgage software training: Fair Housing Planning Guide , 1996 |
encompass mortgage software training: Single Family Direct Endorsement Program United States. Department of Housing and Urban Development, 1984 |
encompass mortgage software training: The Millionaire Mortgage Broker Darrin Seppinni, 2006-12-13 The most comprehensive guide to starting a business in today's most lucrative and fastest-growing industry Last year more than two-thirds of the $3 trillion in home financing in the United States originated with mortgage brokers. Darrin Seppinni, a broker with a quarter century in the business, gives you the knowledge and expertise needed to begin your own brokerage company-and consistently develop your full growth and profit potential. The Millionaire Mortgage Broker is an all-in-one resource to tap into the vast potential of the brokerage business. |
encompass mortgage software training: Train the Trainer Skills Converged, 2016-07-14 What makes a training course successful? What is the secret to conducting an effective and memorable training course? What makes a great trainer? Why some training courses are useful, motivating and educational while others are boring and forgettable? This book provides you with a comprehensive set of guidelines on all aspects of training. The methodologies, scenarios and exercises presented in this book will ensure that you, as a trainer, are equipped with all the tools and skills needed to deliver a great training course. At Skills Converged, we specialise in supporting the training community with our state-of-the-art training materials. Over the years we have delivered numerous courses and have received extensive feedback from trainers who have used our products all over the world. We know what makes a training course successful and what makes one fail. In this book, we share our most treasured findings and experiences with you. We want to help you become the best trainer you can be and in turn, train as many people as possible around the world. Research shows that one of the fastest ways to learn is through examples. This book contains a large number of examples, case studies, and important research in the field of adult education for you to employ. Whether you are teaching soft skills, management, IT, technical courses or arts and crafts, you can benefit from this book as the lessons are applicable to teach any topic. This Second Edition has been extensively expanded with several chapters and now includes the entirety of our highly praised Train the Trainer Self-Study Course. In this book you will learn: - How to get the most from your training courses - How to avoid barriers to learning - How to take advantage of principles of Accelerated Learning - How to conduct a Training Needs Analysis - How to present confidentlyHow to avoid bad training delivery practices - How to plan your course - How to arrange the training environment optimally - How to keep the delegates constantly engaged - How to respond when you are being challenged - How to avoid poor statements that can hinder learning - How to take advantage of the power of story-telling - How to run training exercises to get the most from them |
encompass mortgage software training: A Basic Guide to Exporting Jason Katzman, 2011-03-23 Here is practical advice for anyone who wants to build their business by selling overseas. The International Trade Administration covers key topics such as marketing, legal issues, customs, and more. With real-life examples and a full index, A Basic Guide to Exporting provides expert advice and practical solutions to meet all of your exporting needs. |
encompass mortgage software training: Network World , 1986-09-01 For more than 20 years, Network World has been the premier provider of information, intelligence and insight for network and IT executives responsible for the digital nervous systems of large organizations. Readers are responsible for designing, implementing and managing the voice, data and video systems their companies use to support everything from business critical applications to employee collaboration and electronic commerce. |
encompass mortgage software training: The Rotarian , 1988-02 Established in 1911, The Rotarian is the official magazine of Rotary International and is circulated worldwide. Each issue contains feature articles, columns, and departments about, or of interest to, Rotarians. Seventeen Nobel Prize winners and 19 Pulitzer Prize winners – from Mahatma Ghandi to Kurt Vonnegut Jr. – have written for the magazine. |
Encompass Parts: Replacement OEM Parts and Accessories
Encompass offers Genuine OEM Parts from over 350+ trusted manufacturers, including Samsung, LG, Dacor, Whirlpool, Bertazzoni, and Sony. Our wide inventory covers everything from home …
Encompass Health | The Trusted Choice in Inpatient Rehabilitation
When you choose Encompass Health for inpatient rehabilitation, you're not alone–we dedicate 24/7 nursing care to every patient, and we customize a treatment plan to meet your unique needs and …
ENCOMPASS Definition & Meaning - Merriam-Webster
The meaning of ENCOMPASS is include, comprehend. How to use encompass in a sentence.
ENCOMPASS | English meaning - Cambridge Dictionary
It encompasses the whole learning process, including learning styles and strategies. Nor does it ever encompass the recognition - or even part thereof - of more than one word. To encompass …
Encompass: Definition, Meaning, and Examples
Mar 12, 2025 · Encompass (verb): To cover or deal with a range or scope of something. The term "encompass" is versatile and is used to describe the act of surrounding, including, or covering a …
ENCOMPASS definition and meaning | Collins English Dictionary
If something encompasses particular things, it includes them. The extra services encompass a wide range of special interests. [VERB noun] His repertoire encompassed everything from Bach to …
Encompass - Definition, Meaning & Synonyms | Vocabulary.com
Encompass means to contain. When you see the word, picture a campus which encompasses lecture halls, a football field, a medical center, a dining hall and some parking lots. Encompass …
ENCOMPASS Definition & Meaning | Dictionary.com
Encompass definition: to form a circle about; encircle; surround.. See examples of ENCOMPASS used in a sentence.
Find An Encompass Health Location Near You
The nation's largest system of rehabilitation hospitals across the United States and Puerto Rico. Looking for an Encompass Health inpatient rehabilitation hospital near you or a loved one? Use …
What does Encompass mean? - Definitions.net
Encompass, the Enterprise Computing Association, was the original computer user group for business customers of Hewlett-Packard. Encompass's history begins with DECUS, founded in …
Encompass Parts: Replacement OEM Parts and Accessories
Encompass offers Genuine OEM Parts from over 350+ trusted manufacturers, including Samsung, LG, Dacor, Whirlpool, Bertazzoni, and Sony. Our wide inventory covers everything …
Encompass Health | The Trusted Choice in Inpatient Rehabilitation
When you choose Encompass Health for inpatient rehabilitation, you're not alone–we dedicate 24/7 nursing care to every patient, and we customize a treatment plan to meet your unique …
ENCOMPASS Definition & Meaning - Merriam-Webster
The meaning of ENCOMPASS is include, comprehend. How to use encompass in a sentence.
ENCOMPASS | English meaning - Cambridge Dictionary
It encompasses the whole learning process, including learning styles and strategies. Nor does it ever encompass the recognition - or even part thereof - of more than one word. To encompass …
Encompass: Definition, Meaning, and Examples
Mar 12, 2025 · Encompass (verb): To cover or deal with a range or scope of something. The term "encompass" is versatile and is used to describe the act of surrounding, including, or covering …
ENCOMPASS definition and meaning | Collins English Dictionary
If something encompasses particular things, it includes them. The extra services encompass a wide range of special interests. [VERB noun] His repertoire encompassed everything from …
Encompass - Definition, Meaning & Synonyms | Vocabulary.com
Encompass means to contain. When you see the word, picture a campus which encompasses lecture halls, a football field, a medical center, a dining hall and some parking lots. Encompass …
ENCOMPASS Definition & Meaning | Dictionary.com
Encompass definition: to form a circle about; encircle; surround.. See examples of ENCOMPASS used in a sentence.
Find An Encompass Health Location Near You
The nation's largest system of rehabilitation hospitals across the United States and Puerto Rico. Looking for an Encompass Health inpatient rehabilitation hospital near you or a loved one? …
What does Encompass mean? - Definitions.net
Encompass, the Enterprise Computing Association, was the original computer user group for business customers of Hewlett-Packard. Encompass's history begins with DECUS, founded in …