![]() IMPORTANT INFORMATION ABOUT OPENING AN ACCOUNT The words “we”, “us”, “our”, and “ours” as used in this credit application refer to the dealer and to the Financial Institutions to whom the dealer submits your credit application. The words “you”, “your”, and “yours” mean each person submitting this application. Agree that if an account is created for you, all of the following will also apply: (a) we may monitor and record telephone calls regarding your account to assure the quality of our service or for other reasons (b) you expressly consent to us using prerecorded/artificial voice messages, text messages and/or automatic dialing equipment while servicing or collecting your account, as the law allows (c) you agree that we may take these actions using the telephone number that you provide us in this credit application, you provide to us in the future, or we get from another source, even if the number is for a mobile telephone and/or using the number results in charges to you.Understand that we will retain this application whether or not it is approved, and that it is your responsibility to notify the creditor of any change of name, address, or employment.Authorize our affiliates to obtain consumer credit reports on you.Authorize us to release information about our credit experience with you.Necessary and appropriate, and agree that anyone receiving a copy of this credit application is authorized to provide us with such information Authorize us to obtain consumer credit reports on you periodically and to gather employment history as we consider.Certify for the purpose of securing credit that the information in this application is complete and correct.To illustrate the importance of pneumococcal colonisation in relation to pneumococcal disease and prevention of disease, we discuss the mechanism and epidemiology of colonisation, the complexity of relations within and between species, and the consequences of the different preventive strategies for pneumococcal colonisation. Another important issue is whether the aim should be to prevent pneumococcal disease by eradication of nasopharyngeal colonisation, or to prevent bacterial invasion leaving colonisation relatively unaffected and hence preventing the occurrence of replacement colonisation and disease. ![]() ![]() Several surface-associated protein vaccines are currently under investigation. Therefore, the search for new vaccine candidates that elicit protection against a broader range of pneumococcal strains is important. However, vaccine coverage is limited, and replacement by non-vaccine serotypes resulting in disease is a serious threat for the near future. The current seven-valent conjugate vaccine is highly effective against invasive disease caused by the vaccine-type strains. Pneumococcal disease is preceded by asymptomatic colonisation, which is especially high in children. The treatment of pneumococcal infections is complicated by the worldwide emergence in pneumococci of resistance to penicillin and other antibiotics. The burden of disease is highest in the youngest and oldest sections of the population in both more and less developed countries. Streptococcus pneumoniae is an important pathogen causing invasive diseases such as sepsis, meningitis, and pneumonia.
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