Abstract: Document creation systems and methods are provided for a potential risk relationship between an enterprise and an entity. A back-end application computer server may include a data collection engine to exchange information with a remote entity device associated with the entity. A bundle creation engine may receive the information about the entity and automatically and dynamically create a potential bundle of optional risk relationship components (each associated with an electronic file representing an optional risk relationship component document). A presentation engine may present information about the potential bundle and receive an indication of a selected subset of the potential bundle of optional risk relationship components. A final document construction engine may automatically construct, based on the selected subset and associated electronic files representing component documents, an electronic file representing a risk relationship package document to be transmitted to the remote entity device.

Abstract: A turbine (5) having at least two sets of co-axially mounted, rotatable blades (10, 15) arranged so that one set cannot eclipse another. Preferably, the sets of blades (10, 15) are contra-rotatable. Each set of blades (10, 15) may be operable to extract similar amounts of energy, thereby to minimise the net reactive torque.

Abstract: A turbine (5) having at least two sets of co-axially mounted, rotatable blades (10, 15) arranged so that one set cannot eclipse another. Preferably, the sets of blades (10, 15) are contra-rotatable. Each set of blades (10, 15) may be operable to extract similar amounts of energy, thereby to minimise the net reactive torque.