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.
The earth is very effective at blocking outside noise, even the sound of people only a few feet away. This can provide a much-needed sanctuary. Some people assume that an earth berm home is dark, cave-like, and buried in the ground, but it is in fact quite the opposite. Instead of the builder placing the home under the ground, he or she brings the earth up, so to speak, to cover the outside walls of the dwelling. In some cases, the roof has a layer of soil on top of it, too, which turns the earth berm home into an earth sheltered home. In all cases, the earth is tightly packed and sloped so there is little risk of erosion and drainage is not compromised.