MBA offers recommendations on proposed HMDA rule by Tucker, Michael / Mortgage Banking. In a new independent study, the company found that many lenders are leaving themselves vulnerable to fair lending exams and significant penalties by not properly monitoring and managing.
(assorted species, including: Lumbricus terrestris and Lumbricus rubellus). The two most common species of earthworms in Northern Virginia are the Common Earthworm, or nightcrawler (Lumbricus terrestris) and the Red Earthworm (Lumbricus rubellus).These earthworms were introduced from Europe many years ago.arthworms will eat just about anything organic (natural), especially dead leaves and other dead plant material. They will also eat manure (animal poop), some living plants (including Red Clover), and dead animals (carrion). Sometimes they accidentally eat tiny live animals because they are in the soil.
Organic Material. Earthworms contribute to soil formation by assisting in the decomposition and incorporation of organic materials into the soil. Earthworms eat leaves and dead roots found on or near the soilâs surface. They mix this organic material into the soil by tearing off portions of plant material and burying it deep within the earth. As they eat, they grind bits of plant material in their gizzards and excrete the organic matter into the soil through their casts. Earthworm casts also pile up on the surface of the soil, adding to soil content. In addition, earthworms stimulate the activity of beneficial bacteria and fungi.