Fen

A fen is one of the main types of wetland, the others being grassy marshes, forested swamps, and peaty bogs. Along with bogs, fens are a kind of mire. Fens are usually fed by mineral-rich surface water or groundwater. They are characterised by their water chemistry, which is pH neutral or alkaline, with relatively high dissolved mineral levels but few other plant nutrients. They are usually dominated by grasses and sedges, and typically have brown mosses in general including Scorpidium or Drepanocladus. Fens frequently have a high diversity of other plant species including carnivorous plants such as Pinguicula. They may also occur along large lakes and rivers where seasonal changes in water level maintain wet soils with few woody plants. The distribution of individual species of fen plants is often closely connected to water regimes and nutrient concentrations.

Fens have a characteristic set of plant species, which sometimes provide the best indicators of environmental conditions. For example, fen indicator species in New York State include Carex flava, Cladium mariscoides, Potentilla fruticosa, Pogonia ophioglossoides and Parnassia glauca.

Car (surname)

Car is a surname. Notable people with the surname include:

Car (Greek mythology)

Car or Kar (Greek: Κάρ) is a name in Greek mythology that refers to two characters who may or may not be one and the same.

The name "Car" is unrelated to the English word "car" (vehicle).

Car of Megara

According to Pausanias, Car was the king of Megara and the son of Phoroneus (and Cerdo). His tomb was located on the road from Megara to Corinth. The acropolis at Megara derived its name Caria from him.

Car of the Carians

Herodotus mentions a (probably) different Car, brother of Lydus and Mysus; the three brothers were believed to have been the ancestral heroes and eponyms of the Carians, the Lydians and the Mysians respectively. This Car was credited by Pliny the Elder with inventing the auspicia.

Car was also said to have founded the city Alabanda, which he named after Alabandus, his son by Callirhoe (the daughter of the river god Maeander). In turn, Alabandus's name is said to have been chosen in commemoration of his Car's victory in a horse fight— according to the scholar Stephanus of Byzantium, "Alabandos" was the Carian word for "winner in a horse fight". Another son of Car, Idrieus, had the city Idrias named after himself.

Credit (finance)

Credit (from Latin credit, "(he/she/it) believes") is the trust which allows one party to provide money or resources to another party where that second party does not reimburse the first party immediately (thereby generating a debt), but instead arranges either to repay or return those resources (or other materials of equal value) at a later date. The resources provided may be financial (e.g. granting a loan), or they may consist of goods or services (e.g. consumer credit). Credit encompasses any form of deferred payment. Credit is extended by a creditor, also known as a lender, to a debtor, also known as a borrower.

Credit does not necessarily require money. The credit concept can be applied in barter economies as well, based on the direct exchange of goods and services. However, in modern societies, credit is usually denominated by a unit of account. Unlike money, credit itself cannot act as a unit of account.

Movements of financial capital are normally dependent on either credit or equity transfers. Credit is in turn dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds. Credit is also traded in financial markets. The purest form is the credit default swap market, which is essentially a traded market in credit insurance. A credit default swap represents the price at which two parties exchange this risk – the protection seller takes the risk of default of the credit in return for a payment, commonly denoted in basis points (one basis point is 1/100 of a percent) of the notional amount to be referenced, while the protection buyer pays this premium and in the case of default of the underlying (a loan, bond or other receivable), delivers this receivable to the protection seller and receives from the seller the par amount (that is, is made whole).

Customer relationship management

Customer relationship management (CRM) is an approach to managing a company’s interaction with current and future customers. The CRM approach tries to analyze data about customers' history with a company, in order to better improve business relationships with customers, specifically focusing on retaining customers, in order to drive sales growth. One important aspect of the CRM approach is the systems of CRM that compile information from a range of different channels, including a company’s website, telephone, email, live chat, marketing materials, social media, and more. Through the CRM approach and the systems used to facilitate CRM, businesses learn more about their target audiences and how to best cater to their needs. However, the adoption of the CRM approach may also occasionally lead to favoritism within an audience of consumers, leading to dissatisfaction among customers and defeating the purpose of CRM.

Types of CRM

Operational CRM

The primary goal of CRM systems is to integrate and automate sales, marketing, and customer support. Therefore, these systems typically have a dashboard that gives an overall view of the three functions on a single page for each customer that a company may have. The dashboard may provide client information, past sales, previous marketing efforts, and more, summarizing all of the relationships between the customer and the firm. Operational CRM is made up of 3 main components: sales force automation, marketing automation, and service automation.