On ACH payment

It may not directly affect your next ach payment, but recently some scientists finished a dubious accomplishment of the year -- finding the chain of mutations of the influenza virus H5N1 -- bird flu -- which could make it easily transmissible between humans. The reason it didn't become a pandemic in 2005 when it made the media spotlight is because it infects people deep in the lungs, and this inhibits transmission through the air. It's also the reason it's so deadly. Now this new virus -- created by scientists deliberately -- could go from person to person easily, and so could cause a pandemic. I don't know if it's confirmed it's as deadly as the original bird flu, however. So far, it's been kept under control so nobody has gotten sick from it -- yet.