Sceloporus magister, also known as the desert spiny lizard, is a lizard species of the family Phrynosomatidae, native to the Chihuahuan Desert and Sonoran Desert of North America. Contents.celoporus magister, also known as the desert spiny lizard, is a lizard species of the family Phrynosomatidae, native to the Chihuahuan Desert and Sonoran Desert of North America. Contents.
Definition: Microinsults. Microinsults: Verbal and nonverbal communications that subtly convey rudeness and insensitivity and demean a personâs racial heritage or identity. An example is an employee who asks a colleague of color how she got her job, implying she may have landed it through an affirmative action or quota system. Advertisements.
What is Microinsurance? December 9, 2009 By fundsforngos. Insurance is a kind of a financial service whereby clients pay a premium on regular basis in return for reimbursement at higher rate when a risk occurs. In principle, it is one of the risk management tools to counter the losses suffered from a crisis.