<P> In insurance, a manuscript policy is one that is negotiated between the insurer and the policyholder, as opposed to an off - the - shelf form supplied by the insurer . </P> <P> Most surviving pre-modern manuscripts use the codex format (as in a modern book), which had replaced the scroll by Late Antiquity . Parchment or vellum, as the best type of parchment is known, had also replaced papyrus, which was not nearly so long lived and has survived to the present only in the extremely dry conditions of Egypt, although it was widely used across the Roman world . Parchment is made of animal skin, normally calf, sheep, and / or goat, but also other animals . With all skins, the quality of the finished product is based on how much preparation and skill was put into turning the skin into parchment . Parchment made from calf or sheep was the most common in Northern Europe, while civilizations in Southern Europe preferred goatskin . Often, if the parchment is white or cream in color and veins from the animal can still be seen, it is calfskin . If it is yellow, greasy or in some cases shiny, then it was made from sheepskin . </P> <P> Vellum comes from the Latin word vitulinum which means "of calf" / "made from calf". For modern parchment makers and calligraphers, and apparently often in the past, the terms parchment and vellum are used based on the different degrees of quality, preparation and thickness, and not according to which animal the skin came from, and because of this, the more neutral term "membrane" is often used by modern academics, especially where the animal has not been established by testing . </P> <P> Because they are books, pre-modern manuscripts are best described using bibliographic rather than archival standards . The standard endorsed by the American Library Association is known as AMREMM . A growing digital catalog of pre-modern manuscripts is Digital Scriptorium, hosted by the University of California at Berkeley . </P>

What is the meaning of the word manuscript