Fear of the unknown. Fear of the unknown or irrational fear is caused by negative thinking (worry) which arises from anxiety accompanied with a subjective sense of apprehension or dread. Irrational fear like any other fears share common neural pathway that engages to mobilize bodily resources in the face of threat.
CITI Refresher. In order to maintain CITI certification, everyone is required to complete the CITI Refresher course every three (3) years after initial certification is obtained. Completion of the refresher modules can usually be completed in less than two hours. New employees must complete the required modules and obtain CITI certification within 90 days from date of hire. 2  Members of the human subject research team, including the Principal Investigator (PI), must have current certification.
Citi CashReturns MasterCard Review. The Citi CashReturns MasterCard is advertised as a good cash-back rewards card - which it is. But it works just as well, if not better, as a balance-transfer card. If you have really good credit, you may qualify for a 0 percent balance transfer rate for as long as 18 months - or 12 to seven months if you have weaker credit.