One way to save if you have several balances to transfer would be to negotiate for a single flat fee. Next, if the fee-waiver request is denied, try to get the fee capped at something you think is reasonable -- say, $50 or even $100, which is a lot better than 3% of a huge balance.
endocytosis - process by which a cell takes material into the cell by infolding of the cell membrane; phagocytosis - process in which extensions of cytoplasm surround and engulf large particles and take them into the cell; pinocytosis - process by which a cell takes in liquid from the surrounding environment
Transformation is one of three processes by which exogenous genetic material may be introduced into a bacterial cell, the other two being conjugation (transfer of genetic material between two bacterial cells in direct contact) and transduction (injection of foreign DNA by a bacteriophage virus into the host bacterium).NA material can be transferred between different strains of bacteria, in a process that is called horizontal gene transfer. Some species upon cell death release their DNA to be taken up by other cells, however transformation works best with DNA from closely related species.