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.
What does CIF stands for? CIF stands for Core Interface. It is the interface for data transfer between an ERP system (SAP R/3 or SAP ERP) and a connected SCM system, such as SAP Advanced Planning and Optimization (SAP APO) or SAP Supply Network Collaboration (SAP SNC). The basis for the data transfer is the Integration Model on the ERP side.