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Instruments such as dials , although not used for any specific purpose associated with Christian worship , could be shaped as crucifixes , or contain reliquaries - small compartments in which to place religious relics . Some of us have systems that simply can not handle colder temperatures as well as others . While these changes pose challenges for community reinvestment , beneficial collaborations have been generated among public agencies , financial institutions and community development groups . ) But more typical , they say , are companies like Hess Corp ., an energy company , which described chemical spill problems in a recent report but omitted a federal bribery probe stemming from international operations . [ 93 ] Generally , subprime lenders are companies that make loans to borrowers with damaged credit . Of all the DNA found coiled inside the nuclei of human cells , only about 3 percent consists of genes , or strips of DNA that hold blueprints for the proteins required for life .