Appraisals and Seller Concessions ... FHA Takes Note. In the summer edition of the Federal Housing Administration (FHA) Appraiser Newsletter, the FHA re-emphasizes the importance of appraisers correctly documenting any seller concessions on a property sale.
The outer layer (tunica adventitia) consists chiefly of connective tissue and is the thickest layer of the vein. As in arteries, there are tiny vessels called vasa vasorum that supply blood to the walls of the veins and other minute vessels that carry blood away.
Stomata and the Lower Epidermis. Remember that the top of the leaf has the protective coating of the cuticle and then a layer of cells known as the upper epidermis. On the bottom of the leaf is another protective layer of cells. Because it is at the bottom of the leaf, this layer is known as the lower epidermis.