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Ach (automated Clearing House) The ACH network is a nationwide electronic funds transfer system for participating depository financial institutions. The American Clearing House Association, Electronic Payments Network, Federal Reserve and Visa act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH debits and credits. The ACH network serves 20,000 financial institutions, 3 million businesses, and 100 million individuals. The ACH Network is commonly used for direct deposit of payroll and government benefits such as Social Security, direct payment of consumer bills, business-to-business payments, federal tax payments, and, increasingly, e-commerce payments. In 2000 there were 6.9 billion ACH payments made worth more than $20 trillion.
Acid Test A stern measure of a company's ability to pay its short term debts, in that stock is excluded from asset value. (liquid assets/current liabilities) Also referred to as the Quick Ratio.
Acquirer An acquirer is an organization licensed as a member of Visa / MasterCard as an affiliated bank or bank/processor alliance that is in the business of processing credit card transactions for businesses (acceptors) and is always acquiring new merchants.
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Asian adults were more likely to be lifetime abstainers from drinking compared with other single race groups (excluding Native Hawaiian or Other Pacific Islander).
Center for Disease Control and Prevention
Adolescents need time to build rapport and trust with adults, and disclosing details about victimization is often a gradual process for youth victims. Youth need reassurance that adults are ready to listen when they are ready to communicate.
National Center for Victims of Crime
Youth need age-appropriate information about types of crimes against youth, normal reactions to trauma, how to heal, and victims’ rights and choices after victimization is disclosed.
National Center for Victims of Crime
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