[□=□ | □ | □]
[lemma=□ | □ | □]
[tag=□ | □ | □]
These advantages include : private sector credit servicing ( which tends to be more efficient ) , private sector analysis of the borrowers creditworthiness , ( which tends to allocate resources more efficiently ) , involvement of borrowers with private sector lenders ( which promotes their movement to private credit ) , and lower portfolio management costs for agencies . This molluscan faunas of this region are a paleontological Rosetta Stone , because they are made up of species that evolved in Asia and sometimes migrated to Alaska , species that evolved in the U.S. West Coast and occasionally migrated north , and species endemic to southern Alaska . This large , worldwide family contains some of the largest and most conspicuous spiders of the tropics . These same enzymes exist elsewhere in the snake 's body , where they serve roles in normal metabolism . Some even may use a distinctive ' sperm packet ' for species recognition . This process , which can be called retrospective georeferencing , is relatively new and to date there is no standardized way of doing it . Why are there no Achatinidae in Madagascar when it is found to the west in Africa and the east in Mauritius ? These tables have different uses , but in general they can be exported , edited , joined , and used to retain metadata , using the Placeindex field as join field . The Interactively Geocode dialog box provides some options for navigating the geocoding process . Yet if several days are taken to gradually reach the temperature in the cold chamber , these snails will undergo physiological changes , including the alteration of the water content of the cells , and withstand successfully the lower temperatures for prolonged periods of time . In some species , they are rather soft and transparent ; in others they have a hard , opaque , calcareous shell . Both of these sites seek to gather information regarding the 1 ) seasonal variation of faunal composition 2 ) a thorough inventory of the herpetofauna at each site 3 ) natural history of each species 4 ) seasonal variation of frog calls 5 ) market sales and usage of amphibian and reptile products . 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 . 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 . The table can be searched by any criteria in the query form . Because of the angle , some of the venom hits my eyes . Are the venom and body enzymes coded for by the same genes ? ' There are from a few to a quarter of a million teeth mounted on this flexible membrane . There were many shell fragments of the tree snail Amphidromus scattered around an exposed rock . This is no doubt an adoptation useful as a defensive reaction to a possible enemy . These small spiders build cribellate ladder or funnel webs . Bering Strait actually reversed its direction of flow from southward to it present-day northward direction about 3.6 million years ago , and that this change was directly caused by tectonic formation of the Isthmus of Panama . They are present in the Algerian desert where there is no vegetation and mid-day temperatures of 110o F. Freshwater snails can live in 122o F. water . As noted in this report , in crafting the act , the Congress recognized that to be useful , agency performance reports would not only need to document performance levels , but also explain and describe the reasons for any unmet goals and new plans for achieving those goals . Receivables are recognized when a borrower fraudulently obtained a loan , or when an agency , such as FHA , sought to avoid certain foreclosures by acquiring loans from the lender and managing the loans itself .