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We did however review the results of financial statement audits , as well as seek to determine whether the agencies included in our review reported debt collection information on a consistent basis . However , upon examination of locality descriptions , redundancy is almost always found . " However , where the account is not joint but several , it is proper to use a designation in the alternative . Agencies are strongly encouraged to schedule payments in advance whenever possible , to allow use of the ACH payment mechanism , and avoid having to use Fedwire . Reviews should be conducted biennially where possible ; however , agencies should conduct annual on-site reviews all lenders and servicers with substantial loan volume or whose : a. Financial performance measures indicate a deterioration in their guaranteed loan portfolio ; b. Portfolio has a high level of defaults for guaranteed loans less than one year old ; c. Overall default rates rise above acceptable levels ; and / or d. Poor performance results in collecting monetary penalties or an abnormally high number of reduced or rejected claims . The almost 300 species of elapids include such snakes as cobras , coral snakes , taipans , and sea snakes , while the 223 species of viperids include such familiar snakes as vipers , rattlesnakes , copperheads , and water moccasins . The Debt Collection Improvement Act of 1996 mandates the use of electronic funds transfer for almost all Federal Government payments . The SF 1166 ECS is the preferred ( strongly ) method of certification for payment requests delivered to Treasury RFCs . However , agencies are required to periodically review legislation affecting the form of assistance and / or financial standards for credit programs to justify continuance of any non-conformance . Inside the aperture of many snails are many teeth , sometimes so numerous and so large that it is puzzling to understand how the animal can ever come out of its shell . Working in Arctic frequently requires living in isolated tent camps up to 300 miles away from any supply base , so doing research there happily leads not only to novel scientific discoveries but to adventures as well . For " Type A " ECS schedules ( those containing individual payment data as well as certification ) , an individual schedule may contain payment data for up to 60 payments . Treasury strongly recommends that all payment requests be certified and submitted via the Electronic Certification System , or that payment data be submitted via electronic transmission , with certification via the ECS . Agencies are also strongly encouraged to weigh the administrative costs of Fedwire payments , as well as receiving financial institution processing charges to recipients of Fedwire payments , against interest charges for late payments , before scheduling relatively low dollar Fedwire payments . I almost did n't pass math sophomore year , and almost did n't take it junior year because I did n't think it would be worth it . They cling to branches by the tips of their tails , suspending themselves horizontally for almost the entire length of their bodies . However , designated agents will not mail checks to payees on a continuing basis . In addition , it is strongly recommended that some steps be taken to prepare the locality database by normalizing the textual localities . The following classes , guidelines , and conferences will provide the broad training and skills necessary to effectively understand , as well as , perform accurate accounting , reporting , and reconciliation of information that affect the FBWT . Bandar might spend three hours slicing 50 pounds of meat off the skull of an elephant seal , tossing the scraps to the gulls , and as many more hiking back to his van .