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.
Endospore-forming bacteria are characterized by the location (position) of the endospore in the mother cell (sporangium) before its release. The spore may be central, terminal or subterminal, and the sporangium may or may not be swollen to accommodate the spore.he two medically-important genera are Bacillus, the members of which are aerobic sporeformers in the soils, and Clostridium, whose species are anaerobic sporeformers of soils, sediments and the intestinal tracts of animals. Figure 10. Endospore-forming bacilli (phase contrast illumination).