Stratus cloud a region. Some call these clouds "high fog" for the fog-like cloud. While light rain may fall, this cloud does not indicate much meteorological activity. Stratus clouds form when a sheet of warm, moist air lifts off the ground and depressurizes, following the lapse rate. This causes the relative humidity to increase due to the adiabatic cooling. Stratus clouds look like featureless gray to white sheets of cloud. They can be composed of water droplets, supercooled water droplets, or ice crystals depending upon the ambient temperature. Stratus nebulosus clouds appear as a featureless or nebulous veil or layer of stratus
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