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.
In certain species of diatoms, auxospores are specialised cells that are produced at key stages in their cell cycle or life history. Auxospores typically play a role in growth processes, sexual reproduction or dormancy. Auxospores are involved in re-establishing the normal size in diatoms because successive mitotic cell divisions leads to a decrease in cell size.