Other benefits of melatonin include general neuroprotective effects, as melatonin is a powerful antioxidant. Melatonin also has several anti-cancer properties, and is currently being investigated for its role in fighting breast cancer.
The date of substantial completion is extremely important, because it determines the date that a contractor is no longer fully liable for delayed completion or for minor incomplete details. After substantial completion, the owner again becomes responsible for the property, i.e., security, utilities, etc.
Date claim incurred = the date you took out a loan; for credit cards, the date you opened the account AND the date you last used the card; for utility bills, the date of the statement is usually sufficient. Consideration for claim = what you got in exchange for the money loaned.