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.
Building a berm is also an excellent way to improve or redirect water drainage in your yard, providing a small, artificial watershed to keep rainwater from damaging your foundation or creating stagnant, muddy pools in your yard.