Dermatologist looking at a spot on the arm of a senior woman Photo Credit Paul/F1online/Getty Images. The term barnacle refers to a condition known as seborrheic keratosis, where large, benign spots and mole-like growths appear on the body.Usually the result of genetics and old age, there is no way to prevent these dark spots from appearing on your skin as you advance in age.ermatologist looking at a spot on the arm of a senior woman Photo Credit Paul/F1online/Getty Images. The term barnacle refers to a condition known as seborrheic keratosis, where large, benign spots and mole-like growths appear on the body.
Microsoft's big earnings beat is because of one business that is exploding (MSFT)
On the surface, it seems hard to believe that a giant like SLM would be threatened by SoFi. SLM, after all, generated $3.9 billion in revenue and $1.3 billion in net income â up 14% and 40% respectively â over the last year by originating, servicing and collecting loans made to students or their parents to finance the cost of their education. So why would SoFi represent a threat to SLM?