[lemma=the] | [lemma=betasso] [!lemma=□] □
[lemma=the] | [lemma=betasso] [!lemma=water] □
[lemma=the] | [lemma=betasso] [!lemma=treatment] □
The use of direct loans , however , may displace private financial sources and increase the possibility that the terms and conditions on which Federal credit assistance is offered will not reflect changes in financial market conditions . Reliable data are not only fundamental for good credit management , it would also permit more accurate estimates of the costs of the credit programs in accordance with the Federal Credit Reform Act of 1990 . The data may be used freely by individuals and organizations for purposes of basic research , education and conservation . For guidance on loan asset sales , see the Debt Collection Improvement Act of 1996 , OMB Circular No. A-11 , and the Treasury / FMS ' Managing Federal Receivables . Modified webs are often tensed or tugged with the first legs .