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.
Berm, terrace of a beach that has formed in the backshore, above the water level at high tide. Berms are commonly found on beaches that have fairly coarse sand and are the result of the deposition of material by low-energy waves. They have a marked change of slope at their seaward edge and a flat or reverse-sloped platform that lies slightly higher than the mean high-water level.