Deciduous is a designation indicating a plant sheds its foliage at the end of the growing season. The term is used primarily in reference to trees and shrubs, in contrast with those that are evergreen..
Conflict of interest. A conflict of interest (COI) is a situation in which a person or organization is involved in multiple interests, financial or otherwise, one of which could possibly corrupt the motivation or decision-making of that individual or organization. The presence of a conflict of interest is independent of the occurrence of impropriety.
Paying the Costs of Health Insurance. Premiums, deductibles, co-pays and co-insurance are costs that must be borne by the insured. Employees enrolled in ESI plans generally have their premium costs taken out of their paychecks on a pre-tax basis.