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.
Together with the liquidity coverage ratio (LCR), the net stable funding ratios (NSF ratios) are part of the new proposed development of international liquidity standards. The LCR will be gradually implemented, starting in 2015, when the ratio should be 60% or higher.