Abstract: A method of continuous auto insurance risk scoring based on receiving the insured's cellphone GPS location data from which the itinerary of travel is determined, as well as speed which is compared to speed limits. The distance traveled per day and per month is compared with the insured's respective averages. Road Risk is assessed based on frequency of accidents for the roads traveled, weather and time of day. Personal Risk score is also determined based on number of trips unclassified or disputed as to who the driver was or claims that the cellphone was used by someone else, as well as willingness to follow suggestions for lowering the risk profile.

Abstract: An apparatus for the extraction of liquid hydrocarbons (MHC) has a mechanism for providing a process water composition (PWC) comprising a liquid emulsifier and water, an intake device (10) for collecting a liquid feedstock mixture comprising the hydrocarbons (MHC), a separating system connectable to the intake device, the separating system providing for a processing of the liquid feedstock mixture together with the process water composition so as to extract at least some of the hydrocarbons (MHC) from the liquid feedstock mixture, wherein the liquid emulsifier comprises a natural plant oil, an emulsifier, and preferably also a solubilizer.