Knowledge is the act of a knower
The act of the knower is to (a.) give rise to and (b.) be an indivisible reality
This reality is indivisible so far as it is not really divided into subject and object, but is rather is like a point from which a line drawn in one direction can be called the object, and drawn in another direction can be called the subject.
This undivided reality also serves as a point from which one development is physics, another psychology; one an aesthetic experience, another a painful memory, etc. Just as there is no limit on the number of lines that might arise from one point, there is no limit on the number of different experiences that might arise from the undivided reality that is and arises from the act of the knower. Science, art, logic, healing, religion, Naturalism, analysis, myth, etc. ad infinitum.
Within this indivisible point, there is a multitude that can be more or less reduced to unity or not. Say there is a dog in a room. A biologist walks in, and chooses to unify what he sees with other dogs, various wolves, even other various vertebrates. In each act, the very thing he sees is constituted by whatever unity is placed upon it. Now a child walks in and recognizes the dog as his own. His experience is not constituted by the sort of unity that the biologist gives to the experience. What is called universal is the sort of experience that has unity and relates to some multitude; particular is a unity that does not relate to some multitude. The experience itself, however, is indifferent to being taken as particular or universal. Both are simply lines of development that arise from the undivided reality.
The unity of a universal can be either definite or indefinite. Definite unity is called generic; indefinite unity is called transcendental.