Abstract: A computerized method and apparatus for providing a borrower with a choice of products relating to new debts or changes to a portfolio of debts. The method can include collecting borrower information using a user interface, building scenarios of debt products currently available to the borrower, evaluating the scenarios of debt products using (i) payment models for the scenarios determined based on interest and loan information and (ii) the borrower information, and selecting one or more of the scenarios based on the evaluation of the scenarios.

Abstract: A system and method for optimizing the financial needs of a client. The system has a client data input module for processing the financial information of the client. A quote engine of the system contains a plurality of loan options. The system includes an application server for determining the loan options that optimize the financial needs of the client. In this respect, the application server may have an analysis engine that matches the liabilities of the client with the appropriate loan options. Furthermore, the analysis engine may analyze the client's preferences in order to determine the appropriate loan options.

Abstract: A memory card includes a circuit board bearing UV-erasable memory circuits enclosed in an opaque cover. The cover is provided with openings over the memory circuits. These openings can be covered or uncovered by a removable, opaque window shield. The memory card may be erased by removing the window shield from the openings in the cover and exposing the memory circuits to ultraviolet radiation transmitted through the openings. The window shield is then replaced to the position covering the openings in the cover after the erasable memory circuits are reprogrammed.