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Students who have had two or more years of formal study in a language may take a 117-level course in that language as a refresher course before enrolling in a more advanced course , but they must recognize that their work will graded on a Satisfactory / Fail basis . Though the poor in developing countries often need only $ 100 to become self-employed and self-sufficient , a large financial institution would , on the rare occasion when such a loan was granted , consider it a high-risk investment and charge an exorbitant interest rate . Vesting Schedule : One-third ( 1/3 ) of the shares subject to this Option shall vest twelve ( 12 ) months after the Vesting Commencement Date , and one thirty-sixth ( 1/36 ) of the shares subject to this Option shall vest on each monthly anniversary of the Vesting Commencement Date thereafter , subject to the Optionee continuing to be an employee or consultant unless otherwise provided in this Award Document . International action against drug trafficking must founded on a wide consensus as it engages the responsibility of the countries affected . I could not understand why I was " cc 'd " on the letter , as it would have been unprofessional to do so . Commencement Date , and two percent ( 2 % ) of the shares subject to this Option shall vest on each monthly anniversary of the Vesting Commencement Date thereafter , subject to the Optionee continuing to be an employee or consultant unless otherwise provided in this Award Document .