Capital Letters. This tool capitalizes sentences-makes the first letter of a sentence a capital letter. If you have some paragraphs where the sentences are not capitalized then you can quickly use this tool to get the proper capitalization.
Cliff vesting is another type of vesting in which employees do not receive any partial benefits. They either receive nothing when they quit or everything the employer contributed. The company will set a time limit that must be reached by the employee before becoming fully vested.
Vesting refers to ownership. Another way of looking at it is, if you have $10,000 in your retirement plan and you are 30% vested, you own $3,000. Your vested portion can never be reduced. If you leave your employer, the vested portion of your account can go with you or (in some cases) you can cash it out.