Bacillus thuringiensis (Bt) is a spore forming (flash animation) bacterium that produces crystals protein (cry proteins), which are toxic to many species of insects.t is largely used in agriculture, especially organic farming. Bt is also used in urban aerial spraying programs, and in transgenic crops. To learn more about each of these topics, click on the corresponding link on the left.
Advantages and Limitations of Ratio Analysis. Financial ratio analysis is a useful tool for users of financial statement. It has following advantages: 1  It simplifies the financial statements.  It helps in comparing companies of different size with each other.
(03-09-16) SPECIAL PN 11-1. Revised (10-05-16) PN 489. CHAPTER 11: RATIO ANALYSIS. 11.1 INTRODUCTION. Ratios are used to determine whether the borrowerâs repayment income can. reasonably be expected to meet the anticipated monthly housing expense and total. monthly obligations involved in homeownership.