Search Documents

By E. A. Lowe, J. W. Smith, C. W. Overton

"The operations of Bethlehem Copper are situated in the south-central interior of British Columbia at an elevation of 4900 feet above sea level. Main road and rail transportation systems pass through Ashcroft in the Thompson Valley, which is 28 miles by road from the minesite. The operation was the first low-grade open-pit porphyry copper mine in British Columbia.The minerals are chiefly chalcopytite and bornite, while the rock is principally feldspar and quartz. In the outer fringes of the orebodies some pyrite is present. Average grade of mill feed is 0.55% copper.History of Milling Operations Production commenced in December 1962 at a rate of 3,000 tpd in a plant that comprised two-stage crushing followed by rod and ball milling. Production ratings were increased to 6,000, 10,000 and 12,000 tpd by the addition of a further stage of crushing and more rod and ball mills. When the last expansion was completed tonnage throughput exceeded the 12,000 ton designed rate and was stabilized at 15,500 tpd.However, recovery did not meet expectations at the expanded rate because of coarse flotation feed. Capacity in the rod mill circuits exceeded the subsequent fine grinding capacity, resulting in poor liberation. Studies were initiated to improve recovery without decreasing throughput.Description of Operation Prior to Pebble Milling Crushing with primary, secondary and a closed tertiary stage proceeds at a scheduled 20.5 shifts per week. Fine ore screened on 1/2"" x 4"" apertures is stored in a 30,000-ton bin ahead of two 12.5' x 15' rod mills. Rod mill discharge joins secondary ball mill (one 10.5' x 14' and one 11' x 14') discharge for classification in a single 50"" cyclone which closes the secondary mills. Overflow from this cyclone is split between three third-stage ball mill-pump-cyclone circuits (two 11' x 14' and one 12.5' x 15'). Prior to addition of the two pebble mills the flotation feed was produced by this three-stage grinding system. Grinding criteria are shown in Table I."

Jan 1, 1975

By V. S. Gischig, G. Preisig

Hydraulic stimulation of deep reservoirs is an essential procedure for developing engineered/enhanced geothermal systems (EGS), but also in other Geo-energy contexts. The goal is enhancing permeability to such a degree that fluid flow rates within the reservoir are sufficiently high for an economically productive reservoir. Two fracture stimulation mechanisms are distinguished that may occur concurrently during the hydraulic treatment: 1) During hydro-fracturing (HF) new tensile fractures are propagated from the borehole by means of a fluid pressure overcoming the minimal principle stress d3 plus the tensile strength T0 of intact rock. In case of a pre-existing fracture oriented normal to d 3 , the fracture can be opened by exceeding d 3 only. Fluid injection is performed via small packed intervals for creating a stack of hydraulic fractures. 2) During hydro-shearing (HS), over-pressure induces slip along pre-existing fractures that are favourably oriented in the stress field for reactivation in shear. Such stimulation is usually performed in a large packed interval or in an open borehole. Which mechanism occurs predominantly during stimulation depends on the rock mass structure and in-situ stress field, but also on the orientation of discontinuities intersecting the open-hole section and thus being pressurized. Both mechanisms also differ in how they affect fracture permeability. While permeability gained by HS is mostly irreversible due to rearrangement of asperity contacts accompanied with shear dilation, permeability enhanced during HF reduces nearly reversible after pressurization unless proppant is used to ensure permanent apertures. In this contribution, we critically discuss the pros and cons of both mechanisms regarding efficiency of enhancing permeability and the associated hazard of induced earthquakes based on literature review and numerical modelling. We review literature that reports on how much permeability required for productive EGS reservoirs and how much permanent permeability can be gained by stimulation. We also compile information regarding the degree of seismicity induced during HFor HS-dominated stimulation procedures, together with conceptual studies that reveal characteristics of seismicity associated with the two mechanisms. Many observations and models indicate that HF may have a higher tendency of being aseismic, while felt seismic events are usually associated with HS. Further, we present a hydro-mechanically coupled fracture flow model that investigates, if and to what degree the stimulation strategy can be designed such that one of the two mechanisms is evoked and dominates over the other. It shows that HS may dominate in presence of larger persistent fractures nearly optimallyoriented in the stress field, even if HF is attempted in short packed intervals. The model further demonstrates that stress transfer during HS promotes the development of permeability across an anisotropic layer of the stimulated rock instead of a large volume. Hence, the study sheds light onto the feasibility of creating productive EGS reservoirs in crystalline rock at several kilometres depths.

Jan 1, 2015

By James D. Bittner

Separation Technologies, LLC (ST) has developed a processing system based on triboelectric charging and electrostatic separation that provides the mineral processing industry a means to beneficiate fine materials with an entirely dry technology. The environmentally friendly process can eliminate wet processing and required drying of the final material. The process requires little if any pre-treatment of the material other than grinding and operates at high capacity ? up to 45 tonnes per hour by a compact machine. Energy consumption is low, approximately 1 kWh/tonnes of material processed. Since the only potential emission of the process is dust, permitting is typically relatively easy. In contrast to the other available electrostatic separation processes that are typically limited to particles greater than 75 µm in size, the ST belt separator is ideally suited for separation of very fine (<1 µm) to moderately coarse (500 µm) materials with very high throughputs. The triboelectric particle charging is effective for a wide range of materials and only requires particle ? particle contact. The small gap, high electric field, counter current flow, vigorous particle-particle agitation and self-cleaning action of the belt on the electrodes are the critical features of the ST separator. The high efficiency multi-stage separation through charging / recharging and internal recycle results in far superior separations and is effective on fine materials that cannot be separated at all by the conventional electrostatic techniques. Since 1995, this triboelectric process has been extensively used for the beneficiation of coal fly ash with eighteen separators in place and over 100 machine-years of operation at locations in the US and Europe. The technology has been also successfully applied to the beneficiation of a variety of minerals including calcium carbonates, talc, and potash.

Nov 1, 2011

By George McIsaac

This paper discusses the formulation of a linear program with the objective of maximizing the cash flow of the long-term plan of an underground operation. A mine is split into eleven independent ore zones, each characterized by its reserves, required development and mining method. Based on practical considerations, maximum rates are set for each zone?s development and production capacity. As for the total mine plan, a minimum daily production rate is set along with a minimum feed grade to the mill. A maximum number of development metres per day is set based on the equipment and labour available. Proven and probable ore is mined preferentially over possible ore in the early years of the plan. Furthermore, the fixed cost of operating the mine is taken into consideration whenever mining activities take place. Once the linear program is solved, it can be critically reviewed, and unrealistic results can be identified. Some resource allocations constraints can then be changed in certain sectors, and new results can be analysed. What-if scenarios can also be examined, such as determining the impact of hiring a contractor to develop a given sector, or dropping an ore zone completely from the plan.

May 1, 2003

Stope performance and geotechnical information at Xstrata Zinc George Fisher Lead-Zinc-Silver mining operations have been analysed in detail since the beginning in October 2003. This work has been included in a joint dilution study between Xstrata Zinc and the University of Saskatchewan. This paper presents an analysis of site geotechnical data and stope reconciliation that led to major changes in stope design, a reduction in dilution, and a significant increase in mining efficiencies. Detailed geotechnical data collection for a mine site or particular stoping area represents a large amount of information which is time consuming to review. However, it is this data that can make a significant difference in rock mass behaviour understanding. Simplification and averaging of conditions into zones of similarity, called structural domains, are common approaches for managing large amounts of data. There is a tendency to average rock mass properties to obtain inputs for numerical modelling and empirical design tools. This approach may be misleading if the inhomogeneity of the rock mass is contributing to the failure mode. This paper summarizes a novel approach for rock mass characterisation and stope design in a bedded sedimentary rock mass.

Apr 1, 2005

By Michel David

"The usual complaint of mines is that grade does not match exploration expectations. Quite often, more tons are mined than expected but at a lower grade. This can be seen as dilution. Geostatistics can help predict which dilution can be expected both in terms of grade and tonnage for different mining methods.The usual vocabulary of geostatistics speaks of block distribution; block variance, size effect, information effect, all terms which say very little to the practitioner. In f act, all this can be rephrased in terms of dilution .In this paper, the following is presented - an example which shows how reserves change with the size of selection units and number of samples taken, and tables which show the dilution that are bound to happen when dealing with the commonly encountered log-normal distribution. Finally, the paper shows how grade tonnage computations should be made in the case of an arbitrary distribution. IntroductionGeostatistics progresses more and more rapidly if one judge s by the number and quality of papers published in Mathematical Geology or at APCOM meetings. More and more case studies describing successful applications are published (David et al., 1986)(Kwa and Mousset-Jones, 1987). It is estimated that more than 270/0 of the gold mines around the world use geostatistics. There is still, however, a lot of resistance from the remaining 73%. Geostatistics has more formulae and equations than it needs to reach year 2000. We will be well into the third millenium before all the models available now are actually used. The progress may come in the form of finding better ways to present known statistical results and getting away from the jargon of geostatisticians. One example may be in trying to explain how we can answer the most common plea of the mining industry: production grade is not what was expected in the feasibility study."

Jan 1, 1988

By Robert B. Parsons

"There is a widespread concern that certain of Finance Minister Michael Wilson&apos;s Tax Reform proposals will likely lead to a significant decline in flow through funding after 1988. This does not bode well for the junior exploration sector, which relies heavily on flow-through to finance exploration programs. The exploration industry is actively pursuing various solutions to the problems posed by Tax Reform, in order to ensure that flow-through has a future.IntroductionWhile the proposals contained in Finance Minister Michael Wilson&apos;s Tax Reform White Paper may not be as far-reaching as some people had expected, nevertheless the combination of the existing tax rules and proposed new rules offers sufficient complexity to keep pencils sharpened for many months. After having had an opportunity to study Tax Reform since June 18, 1987, the sharpened pencils are suggesting that the White Paper is not without its shortcomings and pitfalls. Insofar as the mineral exploration industry is affected, there is widespread concern that adoption of certain Tax Reform proposals could spell near disaster for mineral exploration in Canada. More specifically, there seems to be a consensus among the industry, as well as some federal and provincial government officials, that the announced phase-out of the ""mining exploration depletion allowance"" (MEDA) would reduce the appeal of flow-through shares to the point where only a fraction of exploration funding would be financed in the future by flow-through."

Jan 1, 1987

By John (Jack) D. Young, Frank M. Wheeler

Metallurgical plants are typically large, complex facilities. Their design is a multidisciplinary activity with a wide range of inputs, based on: the business case; metallurgical and process requirements; and the main processing equipment selection. Many constraints limit what can be achieved. Appropriate phasing of the design and development, and clear go/no-go decision criteria, are critical to successful implementation of a plant design project. Risk management concepts are used as a framework for successful project development, working from the business case, through project development, to implementation and startup, paying constant attention to technology, safe design, and sustainability. 1.1 INTRODUCTION The subject of “Metallurgical Plant Design” is the design of metallurgical plant facilities in the broadest sense. Plant design represents the culmination of many multidisciplinary activities: knowledge of process metallurgy is applied to design facilities to manufacture useful, economical, metal-based products. In the field of metallurgy, plant design is often overlooked, and its unique requirements are commonly not well understood, let alone appreciated. This book is a contribution to remedying this situation. The focus is the specifics of the metals industries, because an extensive literature already exists on the general topic of plant design.

Jan 1, 2015

By R. B. Stein

"Countercurrent decantation circuits(CCD) are often employed in hydrometallurgy to effect solids-liquid separation in combination with a barren solution wash to reduce losses of valuable solution component(s) from the tails. Bechtel Corporation uses its BEMSIM flowsheet-modelling PC computer program to simulate a CCD circuit where the ""dirty"" wash solution contains significant amounts of soluble components. An algorithm successfully models this condition and is simplified to a single expression when the wash solution is a ""clean"" solution containing no solubles. The CCD calculation module is compared to operating data from uranium and nickel-cobalt CCD circuits.IntroductionHydrometallurgical process schemes have often relied on countercurrent washing methods to reduce soluble losses of valuable product in the tails. Commonly used equipment to effect this operation is a CCD circuit of N thickeners in series, where a slurry is fed to thickener I and a wash solution to thickener N; clear pregnant solution overflows thickener I and washed tails exit as underflow from thickener N. CCD circuits of this type are typically employed when the solids tend to slime heavily and where a filter is not economic.A typical CCD circuit usually employs from two to five thickeners and can employ either a ""clean"" washing solution of, say, pure water or else the hydrometallurgical circuit may generate a ""dirty"" barren solution containing an appreciable amount of soluble component which may be advantageously returned to the process as CCD wash solution. Various authors have treated the case for clean washing solutions (Svarkovsky 1977, Merritt 1970). For the case of dirty wash solutions, an algorithm has been developed to enable efficient modelling by the BEMSIM computer program, because the need for an accurate method to calculate soluble losses is required when performing an economic trade-off analysis of the value of product lost in the tails as a function of the number of thickeners."

Jan 1, 1990

By Robert B. Parsons

"A joint federal/provincial/industry subcommittee of the Intergovernmental Working Group on the Mineral Industry (IOWG) has published an informative and readable report on taxation matters concerning Canada&apos;s mining industry. The report, which was presented to the federal and provincial mines ministers in September 1986, identifies and discusses key tax issues relating to this industry. The report is mandatory reading for anybody with an interest in mineral exploration or production in Canada.IntroductionIn 1986, Canada&apos;s federal and provincial mines ministers were presented with an important report concerning the taxation of this country&apos;s mining industry. This document is important for a number of reasons, two of the reasons being: first, the report contains an objective analysis of the key mineral taxation issues of the day; and, second, the report is the product of a cooperative exercise involving representatives of various facets of the industry and government. The report should be regarded as compulsory reading for anybody who has an interest in fiscal matters affecting mineral exploration and production.The ""Report on Fiscal Proposals"" was prepared by a subcommittee of the Intergovernmental Working Group on the Mineral Industry (IOWO). IOWO is a group of senior federal, provincial, and territorial government officials concerned with the analysis of mineral policy issues in Canada."

Jan 1, 1986

By Robert B. Parsons

"It is generally felt that flow-through shares face a bleak future under the set of tax rules proposed in the federal government&apos;s tax reform white paper. Industry and government circles are beginning to give thought to alternatives to flow through as a mechanism for facilitating equity financing in the exploration industry. Despite suggestions that grants and tax credits may someday be on the table, industry is sticking to its position that there is no substitute for flow-through. Alternatives toFlow-throughProposals in the federal government&apos;s tax reform white paper have cast significant doubt on the ability of the mining industry to raise risk capital after 1989by way of flow-through shares. There is serious concern that introduction of the ""cumulative net investment loss"" (CNIL) rules, the phase-out of the mining explorati0! 1 depletion allowance (MEDA), and the Increased capital gains inclusion (750/0 versus 50%, at present) will make the economics of flow-through so unattractive after 1989 that these shares will hold little appeal to most investors. The question might be raised, then, as to what alternatives exist by way of tax or other government assistance that could help the exploration sector.The purpose of this paper is to survey the types of government incentives that could be of some value to explorationists and to the mining industry in general. For the past several years, flow-through has been in the spotlight insofar as incentives to the exploration industry are concerned. Other potentially useful and attractive incentives have been partially hidden in the shadow of flow-through. These incentives, in certain circumstances, can be of considerable benefit, and should not be ignored."

Jan 1, 1988

By Rod Abbott

High Definition Scanning (laser scanning) is a proven technology that is accurate to within 6mm in 50m (¼? in 150?). It can capture in excess of one million 3D point measurements in an average 2 hour scan. It has numerous applications including brown-field retrofits, bridge measurement and analysis, verifying as-built conditions, and crime scene investigation. We most commonly use it for plant design to capture current site conditions, so as to prevent interferences and problems before construction begins. All vital information is captured in the first site visit, which limits the need for extra field trips.

Oct 1, 2010

By E. P. Evoy, A. W. Jolliffe

"The Uranium deposit of Gunnar Mines, Limited, is on the south shore of Crackingstone peninsula in the Beaverlodge area of northern Saskatchewan.The ore consists of disseminated pitchblende and uranophane in brecciated syenite, and forms a tubular or pipelike body, outcropping at the surface and plunging southward at about 45 degrees for a known length of1,400 feet (see Figure I). The upper portion is being removed by open-pit mining to a depth of 300 feet below adjacent Lake Athabasca. The remainder will require underground mining methods (see Figure 2).The property was staked in July, I 952, and the orebody was subsequently defined by about 70,000 feet of diamond drilling. A 1,250-ton mill was completed in 1955, and production commenced in September of that year with ore from the open-pit operation. The mill is presently being increased to 1,650 tons capacity, and a three-compartment vertical shaft is being sunk to 1,250 feet in preparation for underground mining.GeologyThe mine property is underlain by an assemblage of Precambrian metasediments known locally as paragneiss, granite-gneiss, and syenite. These lie on the southeast limb of a southwest-plunging anticline, strike about north 75 degrees east, and dip southward at about 45 degrees. Para- gneiss outcrops in the northwestern half of the claim group, and again on the islands south of St. Mary's Channel. The granite-gneiss lies conform-ably within the paragneiss and makes up the southeastern part of the property. The syenite forms an irregular, triangular-shaped mass within, and near the footwall of, the granite-gneiss band. Small lenticular bodies of mafic rocks are also present, the former being most prevalent in the paragneiss.The granite-gneiss is coarse to medium-grained, pink to grey, well foliated, and composed of feldspar (65 per cent), quartz (20 per cent), chlorite, and minor mica. The general concordance of its contacts with paragneiss and the absence of intrusive relationships along these, the presence of uniformly oriented inclusions of obviously sedimentary origin within the granite-gneiss, and the variation in colour and texture across the strike all strongly suggest that this member represents a granitized sedimentary rock."

Jan 1, 1949

By DALE MacGREGOR, VERA TUREK

lndusmin Limited acquired the St. Donat quartzite deposit in 1967 to produce high-quality silica for use in the sandblasting and silicon carbide industries. The quartzite, of Grenville age, is highly friable and porous. This is due to numerous small, kaolinite-coated cavities in the quartzite; the cavities were formed through leaching, probably by rising hot solutions.

Jan 1, 1984

By H. C. Counsell, R. Webber

"The mill at Denison Mines' Elliot Lake Operations started up in 1957, with a capacity of 6,000 tons per day. Over the years various plant modifications expanded th.is to 7 500 tons per day. In 1976, management decided to carry out a major expansion of the milling capacity, and during 1980 the grinding capacity was increased to 15,000 tons per day.The original comminution system consisted of a conventional crushing plant feeding minus S/s-inch material to rod and pebble mills, in closed circuit with mechanical classifiers. The key decision that had to be made was whether the expansion should include conventional or autogenous grinding flow sheets.During 1977, extensive pilot plant studies at Lakefield Research showed that two-stage semi-autogenous grinding, with some steel media in the primary mill and with pebble media in the second stage, produced stable grinding conditions. This type of circuit was selected by Denison for the expansion, and went into production in 1980. Primary millThe flow sheet of the semi-autogenous grinding circuit is shown in Figure 1. The primary grinding mill is a Koppers 28 foot by 10 foot mill, driven by a 4,000 h.p. synchronous motor. It is fed with a minus 8-inch run-of-mine ore, and 4-inch grinding balls are added as supplementary grinding media. There are two Koppers 15.5 foot by 22 foot secondary pebble mills, driven with 1500 h.p. synchronous motors. Each grinding stage operates in closed circuit with cyclones, and the primary cyclone overflow is the feed to the secondary mills. The circulating load in the primary stage can be controlled by adjusting the cyclone apexes."

Jan 1, 1984

By Ronald L. Bruening

IBC has developed a cost effective MRT process for the selective extraction and recovery of gold, copper, and a mixture of other base metals from mine leach cyanide solutions. This is a two-stage system in which the gold is first recovered selectively as a high purity salt. The copper is then recovered separately as a sulfate salt. The other base metals are then collected as a cyano anion concentrate. Three different SuperLig® materials are used. The first stage can be used alone on gold leach solutions where copper and other base metals are not a problem. The two or three stage system is used when the base metals build up in the leach solution, resulting in increased costs. The cyanide or cyanide/cyano anion concentrate can be recycled back to the leach solution until the build-up of other salts, etc. becomes too high, or this too can be controlled with a percentage bleed stream.

Oct 1, 2003

By C. Feng, D. W. M. Arrigan

Arsenic is often associated with gold mining operations and poses a significant health and environmental hazard. While a number of technologies are available for removing arsenic, none of them is effective under all conditions. Although adsorption is a promising approach, most methods focus on the purification of water under neutral or acidic conditions and tend to be less effective in gold mining process waters, operating under alkaline conditions. In this study, the removal of As (III) and As (V) from both arsenic-only solutions and simulated process waters using composite magnetic nanoparticles was investigated. The nanoparticles consisted of magnetite (Fe3O4) or maghemite (?-Fe2O3) cores covered by various metal oxides with Langmuir adsorption capacities of As (III) and As (V) ranging from 31.4 to 79.1 mg/g and 10.2 to 25.5 mg/g, respectively, in arsenic-only solutions at pH 9. Their adsorption capacities were further recognised by the adsorption tests conducted in simulated process waters. The ability to remove As (III) is of particular importance as it is harder to remove it from alkaline solutions. The magnetic cores allow simple and efficient magnetic recovery of the As-loaded nanoparticles.

Jan 1, 2017

By Therese Schneck

The presence of xenon isotopes from in-situ spontaneous fission of short-lived Pu244 has been confirmed in Hadean detrital zircons from Western Australia. Hadean and meteoritic zircons can retain secondary overgrowths developed after primary cristalization at 3.97-3.94 Gyr. On the moon, the metal grain in sample 66095,78 is mantled by troilite, schreibersite and cohenite. High chlorine content FeCl2 is deposited around metallic FeNi. The magnitude of Pollonium-210 to Radon-222 on the Aristarchus plateau spectrum indicates a past greater activity. The Earth Moon system from Nb/Ta systematics is consistent with a Moon iron core delayed to 3,9 Gyr.

Aug 1, 2010

By Abhilash

Uranium is conventionally extracted using a process that employs strong acid (H2SO4) and an oxidant (MnO2) as leaching agents. This method often creates environmental problems, requires large amounts of energy, and involves a complex operational plant. It is not, however, economically attractive to extract uranium from low-grade ores by chemical leaching. Because the content of U3O8 in the Indian ore is usually below 0.1% by weight, it is necessary to develop an alternative process to enable the efficient and economic recovery of uranium. Uranium ore from the Narwapahar mines, UCIL is a type of vein deposit found in India, which accounts for ~54% in India. The ore (0.047% U3O8), though of Singhbhum area, possess exceptionally different mineralogy due to presence of some refractory minerals and richness of apatite (5%) resulting in a maximum 78% recovery through conventional processing at UCIL, with a very high consumption of sulfuric acid and pyrolusite, besides possible loss of uranium as uranium phosphate. To avoid usage of environmentally non-benign oxidants, remediation of influence of phosphates, and improve the overall process output of uranium; an alternate extraction technology using microbial isolate(s) is worthwhile exploring and the same is presented in the paper. The microbial isolate enriched with Acidithiobacillus ferrooxidans grown from source mine water was employed for bio-leaching of uranium while varying pH, pulp density (PD), particle size, etc. On varying pH at 35oC using 20%(w/v) PD and <75µm particle size, 83.5% and 78% uranium bio-recovery were observed at 1.7 and 2.0 pH in 40 days against maximum recovery of 46% and 41% metal in control experiments respectively. Whereas, it was observed that grinding of ore to finer size actually helped dissolution of uranium. Finer size particles (<45µm) gave a maximum biorecovery of 93% in 40days at 10%(w/v) PD, 1.7 pH and 35oC. The bio-recovery of uranium fell down from 93% to 82.73% and 60% on increasing the pulp density from 10% to 20% and 30% respectively for particles of <45µm size. The higher uranium dissolution during bioleaching at 1.7pH can be correlated with increase in redox potential from 433 mV to 664mV in 40 days.

Aug 1, 2010

By Simon C. Dominy

"There are two main issues stemming from Vallée’s (2002) comments on Dominy et al. (2001b). First, he raises the importance of quality assurance/quality control (QA/QC) during resource estimation programs, and second, he indicates that the resolution and understanding of continuity (grade and geological) issues are paramount in the classification of resources. In particular, continuity is critical at the boundary between the Inferred and Indicated Mineral Resource categories. The original contribution agrees with the importance of these points, and the principal author offers the following discussion and clarification. Further comment is also provided on the reporting of grade uncertainty through grade ranges.It is worth remembering that vein-gold deposits (e.g., shear-zone, lode-gold, mesothermal types etc.), particularly those containing coarse gold particles (e.g., >100 µm), generally show large variations in grade and an erratic grade distribution. In most cases, diamond drilling is a good measure of geological continuity (depending on drill spacing), but a poor measure of grade and its distribution. High-nugget effect deposits rank among the most difficult deposit types in terms of producing an accurate and precise resource estimate, and clearly represent a distinct deposit type."

Jan 1, 2002