[□] □ | □
[□=□] □ | □
[□ & □] □ | □
My work in the high-latitude North Pacific is mainly focused on learning the sequence of molluscan faunas that developed in response to climatic , tectonic and oceanographic changes during the Cenozoic . A - Snails are only active during the day when it is cool and / or damp . Because the small young are also vulnerable to climate and enemies , it is quite usual for 5 per cent or less of eggs laid to reach adulthood . Treasury may not issue , sell , or guarantee an obligation of a type that is ordinarily financed in investment securities markets , as determined by the Secretary of the Treasury , unless the terms of the obligation provide that it may not be held by a person or entity other than the Federal Financing Bank ( FFB ) or another Federal agency . People tend to categorize snakes as either venomous or harmless , but , as colubrids demonstrate , the reality is a continuum , from completely harmless , to mildly venomous , to deadly . Although it had long been understood that some colubrids are venomous , the potential threat posed to human life by these species was not really taken seriously until two of the most prominent herpetologists of the twentieth century found out the hard way that some colubrids can inflict fatal bites . The heart of the pulmonate may slow down from 36 beats per minute to only three or four . In the operculates it may drop from 53 to only two to three times per minute . For example , the Mutual Mortgage Insurance Fund , which represents almost 80 percent of FHA 's basic single-family home ownership program , is required to be fully self-supporting from fees charged to borrowers . This complexity and variability is a headache for physicians treating snakebite victims , because the symptoms are often unpredictable and can differ from patient to patient . Most araneids are nocturnal , hiding during the day , building their webs at night , and eating the web before dawn . We also have important collections from Mexico and Central America , the Galapagos Islands , the Solomon Islands , China , Myanmar , the Philippines , and eastern Africa . Unless a waiver is approved , agencies should follow the financial practices discussed below . VA loans maintain their delinquent status until the delinquency is repaid or written off . A - The operculates vary from the single tooth per row on the radula to forms with over 800 teeth in each row and a total tooth count of perhaps 75,000 . Liabilities , which states that in preparing financial statements , no interest should be recognized on accounts receivable that are determined to be uncollectible unless the interest is actually collected , and also states that until the interest payment requirement is officially waived by the government entity or the related debt principle is written off , interest accrued on uncollectible accounts receivables should be disclosed . Until the mid-19th century the San Francisco Bay Area was a rich and thriving fishery . In addition , Federal receivables , whether from credit programs or other non-tax sources , must be serviced and collected in an efficient and effective manner to protect the value of the Federal Government 's assets . In the wild , Burmese vine snakes hunt during the day . A movement of a few inches per minute is common for large snails or slugs . There they remained glued to the tablet until about 15th March 1850 when examining some shells in the same case a recently formed epiphragm was noticed over the mouth of one of the snails . This diatom subzone has an age range of 4.8 to 5.5 million years ago , so this is the age range during which Bering Strait first opened . When Federal credit assistance is necessary to meet a Federal objective , loan guarantees should be favored over direct loans , unless attaining the Federal objective requires a subsidy , as defined by the Federal Credit Reform Act of 1990 , deeper than can be provided by a loan guarantee .