credit risk. Probability of loss from a debtor's default. In banking, credit risk is a major factor in determination of interest rate on a loan: longer the term of loan, usually higher the interest rate. Also called credit exposure.
from Wikipedia, the free encyclopedia. An endospore is a dormant, tough, non-reproductive structure produced by a small number of bacteria from the Firmicute family. The primary function of most endospores is to ensure the survival of a bacterium through periods of environmental stress. They are therefore resistant to ultraviolet and gamma radiation, desiccation, lysozyme, temperature, starvation, and chemical disinfectants.
What conditions might cause bacteria to form endospores? The bacteria that normally inhabit your home and body have three basic shapesâspheres, rods, and spiralsâas shown in Figure 3.Sphere-shaped bacteria are called cocci (KAW ki) (singular,coccus), rod-shaped bacteria are called bacilli (buh SIH li) (singular,bacillus), and spiral-shaped