Credit Card Security. 1  Fraud is the most common cause of chargeback. When a customerâs credit card is fraudulently used for a transaction, the merchant is held solely responsible. 2  Verify the address, customer details and phone number** by the bank that issued the credit card.
A berm home is a home designed for maximum energy efficiency. To accomplish this, the berm home is built using a permanent wood foundation (PWF) treated grade of lumber. This is the same material used for PWF treated wood basements. There is no basement in a berm home nor is there a crawl space. The area beneath the floor of the home actually serves as a super insulated heating plenum.
Berms are simply mounded hills of dirt constructed for many reasons such as blocking out unwanted or unsightly views, directing or redirecting foot traffic or drainage, creating subtle and natural-looking privacy, adding raised elements to the garden, or simply emphasizing a particular area or focal point.erms are simply mounded hills of dirt constructed for many reasons such as blocking out unwanted or unsightly views, directing or redirecting foot traffic or drainage, creating subtle and natural-looking privacy, adding raised elements to the garden, or simply emphasizing a particular area or focal point.