Instead, the title of marine biologist is an umbrella term that can refer to a variety of jobs and purposes, like fish biologist, microbiologist or marine mammalogist. Marine biology is the study of marine ecosystems, which can range from studying individual microorganisms to entire environments.
1 You open a savings account at the bank. 2  The bank pays you interest on the money that you deposit and leave in that account. 3  The bank then loans that money out to other people, only they charge a slightly higher interest rate on the loan than what they pay you for your account.
How It Works. 1  All funds are deposited into a central operating account. 2  Subsidiary accounts to handle payroll, petty cash or other similar needs always maintain a zero balance. 3  Each day, the total for all checks presented against each ZBA is offset by a debit to the central operating account.