The endoplasmic reticulum is composed of sac-like structures called cisternae that are folded and bound together by a cytoskeleton. There are two types of endoplasmic reticulum: smooth endoplasmic reticulum and rough endoplasmic reticulum.
Remedial Financial Counseling is used when clients experience a state of financial, emotional and or/ personal discomfort. This form of counseling helps clients understand their present financial state and learn ways to resolve their situation.
September 20, 2013. HUD released a proposed rule, âHousing Counseling Program: New Certification Requirements,â on September 13. The proposed rule seeks to address changes made to the HUD housing counseling program made under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank).