Stratus cloud classified as pannus clouds. Stratus only has one mutatus mother cloud. Stratus stratocumulomutatus clouds occur when stratocumulus opacus patches fuse to create a stratiform layer. Stratus clouds don't produce accessory clouds, but a supplementary feature praecipitatio is derived from Latin, which means "precipitation". Stratus clouds are too low to produce virga, or rain shears that evaporate before reaching the ground. A stratus cloud can form from stratocumulus spreading out under an inversion, indicating a continuation of prolonged cloudy weather with drizzle for several hours and then an improvement as it breaks into stratocumulus. Stratus clouds can persist for days in
Off-balance-sheet the proceeds in a regular bank account, these would now again appear as a liability of the bank. As an example UBS has CHF 60.31 billion "Undrawn irrevocable credit facilities" off its balance sheet in 2008 (USD 60.37 billion.) Citibank has USD $960 billion in off-balance sheet assets in 2010, which amounts to 6% of the GDP of the United States. Off-balance-sheet Off-balance sheet (OBS), or Incognito Leverage, usually means an asset or debt or financing activity not on the company's balance sheet. Total return swaps are an example of an off-balance sheet item. Some companies may have significant amounts