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Genetically modified foods (GM foods, or biotech foods) are foods produced from genetically modified organisms (GMOs), specifically, genetically modified crops. GMOs have had specific changes introduced into their DNA by genetic engineering techniques. These techniques are much more precise than mutagenesis (mutation breeding) where an organism is exposed to radiation or chemicals to create a non-specific but stable change. Other techniques by which humans modify food organisms include selective breeding and somaclonal variation. Commercial sale of genetically modified foods began in 1994, when Calgene first marketed its Flavr Savr delayed ripening tomato. Typically, genetically modified foods are transgenic plant products: soybean, corn, canola, and cotton seed oil. These may have been engineered for faster growth, resistance to pathogens, production of extra nutrients, or any other beneficial purpose. GM livestock have also been experimentally developed, although as of July 2010 none are currently on the market. While there is broad scientific consensus that food on the market derived from GM crops pose no greater risk to human health than conventional food, critics have objected to GM foods on several grounds, including safety issues,ecological concerns, and economic concerns raised by the fact GM plants (and potentially animals) that are food sources are subject to intellectual property law.
Founded in 2000 and headquartered in Austin, Texas, FirstClose provides technology solutions to mortgage lenders nationwide and serves as a middleware application that provides access to a host of national and local real estate service providers via the web or through direct integration into various loan origination systems. The FirstClose reporting suite is the first, comprehensive solution with capabilities to deliver title, flood, valuation and other important data elements in one report. By utilizing the latest technology, combined with aggregated volume from its national client base, FirstClose is able to offer customized solutions which increase efficiencies, reduce costs, and ultimately help lenders close more loans. FirstClose services over 250 Banks and Credit Unions while processing hundreds of thousands of transactions per year.
Frontier Financial Credit Union is a Reno, NV-based company in the Financial Services sector.
Since 1981, Flexible Plan Investments has been dedicated to preserving and growing wealth through dynamic risk management. We are a turnkey asset management program (TAMP), which means advisors can access and combine our many risk-managed strategies within a single account. Our fee-based separately managed accounts can provide diversified portfolios of actively managed strategies within equity, debt, and alternative asset classes on an array of different platforms. We also offer advisors our OnTarget Investing tool to help set realistic, custom benchmarks for clients and regularly measure progress. Headquartered in Michigan, Flexible Plan Investments` OnTarget Reporting process has helped set and maintain client expectations, while providing an investment approach to deliver effective money management solutions to the brokerage community. Our strategically diversified portfolios of actively managed strategies are available within wrap-fee trust accounts, VAs, VULs, 403(b)s and 401(k)s utilizing no-load mutual funds and ETFs.
South Florida Educational Federal Credit Union is a Miami, FL-based company in the Financial Services sector.