Abstract: A towel having a first portion fabricated from a first fabric and a second portion fabricated from a second fabric, the first portion being coupled to the second portion, the second portion having a pocketed section. In a preferred embodiment, the first portion is generally a quadrilateral shape, having four corners and the second portion is generally a quadrilateral shape having four corners. The third corner of the first portion overlaps with, and is stitched to, the first corner of the second portion. In a further embodiment, the pocketed corner extends longitudinally across the bottom of the second portion. In an embodiment, the first fabric is microfiber and the second fabric is Terry cloth. In a further embodiment, the first fabric is Terry cloth and the second fabric is microfiber.

Abstract: A system, method, apparatus, and computer program products for operating a credit promotion program includes identifying a consumer who wishes to participate in the promotion, identifying a voucher associated with the credit promotion program, and identifying a purchase by the consumer, including a purchase amount and a purchase date. A credit promotion period for the consumer is then opened if the purchase amount exceeds a pre-established trigger amount. The consumer's purchases during the promotion period are then monitored for subsequent application of promotion benefits.