When you use a card reader, the bank knows that you have the credit card in your hand, have checked the cardholder's identification (you are required to do this), and the cardholder is present to give you a signature (you need to do this too). This makes for a much safer transaction, for both you and the bank. In return they offer a much better discount rate on your transaction, 1.69% instead of the standard 2.2%.

A swiped transaction is one that passes through an electronic reader and is also known as a "card present" sale. A "keyed" or e-commerce transaction is one that is manually input from some source... usually a keypad on the computer.

We are trying to break the "dot com" mold. Of the thousands of products we have sold to consumers, we have only had a realative handful of returns. We will do everything possible to make our customers happy. We offer a 30 day money back guarantee if a customer is not satisfied for any reason whatsoever. To date, this has been less than 2 percent of all of our customers.

Control rate is the effectiveness in reducing or preventing the spread of the disease. For example if the control rate is 80% then in 80% of the cases the radiation oncologist is able to reduce or prevent the cancer from spreading to other parts of the body. 80% is the same as saying that they are able to control the disease in 8 out of every 10 patients. This is only an example. You are encouraged to discuss this with your radiation oncologist. RETURN TO TOP OF PAGE

The survival rate is a historical statistic that measured people with the same type of cancer utilizing conventional treatment. For example, according to the National Institute of Health, National Cancer Institute, the 5 year survival rate for thyroid cancer during 1980 to 1993 was 94.6%. This means that 94.6% of the people who had thyroid cancer between 1980 and 1993 and were treated with conventional treatment were alive 5 or more years later. 94.

We are trying to break the "dot com" mold. Of the thousands of products we have sold to consumers, we have only had a handful of returns. We will do everything possible to make our customers happy. We offer a 30 day money back guarantee if a customer is not satisfied for any reason whatsoever. To date (as of 9/1/01), this has been less than 2 percent of all of our customers.

The number of adverse events reported in the past year is higher than it was the year before. Many states that have reporting systems like this one have seen the same thing that we see here in Minnesota. Numbers often go up for at least a few years after a reporting system starts. However, since there are millions of visits to hospitals and ambulatory surgical centers each year, the rate of adverse events per 100 or 1,000 visits hasn’t changed measurably.

The intensity component of training for cardiovascular fitness is critical. The principles of aerobic and anaerobic energy production make it clear that exercise at too great an intensity will use anaerobic metabolism, not the aerobic system that can increase your fitness levels. The higher a client's level of fitness, the higher their appropriate exercise intensity. Heart rate during exercise can provide an excellent monitor of intensity.

Rate locks are a way of protecting from a possible rise in interest rates during the processing of your loan. You can lock your rate up to any period needed to complete your transaction. Generally speaking, if you choose to lock for an extended period of time, the cost of the loan increases.

The prime rate is the interest that a bank charges its "best" customers. There is no federal prime rate, but each commercial bank offers their own prime rate.

Rate locks" are a way of protecting from a possible rise in interest rates during the processing of your loan. With some lenders, you can lock your rate up to 90 days. Generally speaking, if you choose to lock for an extended period of time, the cost of the loan goes up. Furthermore, if rates improve during the processing of your loan, you will still get the rate you locked.

When a rate is "locked", the lender is being asked to guarantee the interest rate. A longer lock period means more risk to the lender and so the borrower is charged a higher loan price in the form of points.

Every hotel has what is known in the hotelier industry as "rack rate", also known as full rate, published rate or just plain sucker rate. These are the top rates a hotel charges their guests. While few guests actually "pay rack", hoteliers use these rates as a basis for discounting. Most hotels routinely offer discounts ranging from 10-30% simply for the asking. Many business hotels offer bigger discounts on weekends when few business people travel.

Forwarding Rate refers to a call that we transfer live to you. If you are on our non-prepaid minute plan, calls to your toll-free number come in to our facility at a rate of 6.9¢ per minute. If you've set up a forwarding number, we then attempt to make a connection to that number. When you answer, we start incurring a charge for placing that call so you are charged an additional 4.4¢ per minute, totaling a conversational rate of 11.3¢ per minute for the remainder of the call.

Due to market fluctuations, interest rates are subject to change daily. In order to obtain a specific rate/point combination you must "lock in" your rate by speaking to your loan consultant or loan counselor. When you choose to lock-in the interest rate, you select the current rate and point combination for a particular product. You are locked into that rate as long as your loan closes by the predetermined expiration date.

Sometimes we receive reviews that don't match some of our criteria. In these cases we are ready to publish it, but we'll pay you the bulk rate for it. After you have written your review on the Write Review page you'll have to decide if you're ready to get paid at the bulk rate for your review. If yes, check the bulk price box. If not, don't check it.