Stratum germinativum (also known as stratum basale or basal  layer) is the deepest layer of the epidermis. In this layer,  mitosis generates new keratinocytes.  The epidermâ¦is is composed of 5 layers.
More than 200 financial institutions trust ReserveLinkâ¢ from Fiserv, an advanced deposit reclassification tool, to sweep transaction account balances into non-transaction accounts to reduce or eliminate the need to maintain balances at the Federal Reserve.
FIRST is a secure Web application that provides Air Force Family Support Center (FSC) program managers with a single system to measure, track and improve family readiness and retention by a series of standardized assessment tools, action plans and follow-up surveys.