Don Wetzel, Tom Barnes and George Chastain developed the ATM cards, cards with a magnetic strip and a personal ID number to get cash. ATM cards had to be different from credit cards (then without magnetic strips) so account information could be included. 1  Don Wetzel-The ATM.
Par 8 9 THE SKIN The skin is a highly organised, complex system of nerves, tissue and cells designed to harmonise the horseâs metabolism with his internal and external environment. Structurally, the skin consists of the epidermis and the dermis.It is the largest, heaviest organ in the horseâs body. Its healthy condition is of vital importance to health and survival. The epidermis is made up of several stratified layers of tough, non-vascular cells that vary in thickness.ar 8 9 THE SKIN The skin is a highly organised, complex system of nerves, tissue and cells designed to harmonise the horseâs metabolism with his internal and external environment. Structurally, the skin consists of the epidermis and the dermis.
1 Cremello: A horse with a chestnut base coat and two cream genes that wash out almost all color until the horse is a pale cream or light tan color. 2  Often called white, they are not truly white horses, and they do not carry the white (W) gene.3  A cremello usually has blue eyes.hile most horses remain the same color throughout life, a few, over the course of several years, will develop a different coat color from that with which they were born. Most white markings are present at birth, and the underlying skin color of a horse does not change, absent disease.