Abstract: The invention provides for the generation and output of a plurality of spatiotemporally organized, patterned sound streams that, while soothing, also address the critical need for infant brains to attend to salient acoustic cues in the environment—even during sleep—to facilitate the formation of neuronal connections which are essential for later efficient language processing. The algorithmic auditory sequences that comprise the sound streams are designed to engage the auditory cortex in a beneficial way that supports both development and maintenance of linguistic brain circuitry. Sound sequences constructed according to the invention also support continued fine-tuning of similar neuronal connections in adults. In other embodiments, light patterns can be structured to integrate with the sound patterns to further enhance the integrity of the brain's language processing neural circuitry.

Abstract: A method for restructuring an excessive underlying mortgage in excess of its current market value so that the value of the restructured underlying mortgage and the property to which it attaches exceeds the values prior to the restructuring. The method determines an existing underlying mortgage utilizing parameters which include a principal amount, a maturity date, an interest rate and payment periods. Thereafter, a first market value mortgage portion, which is substantially equal to the current mortgage value of the existing mortgage, and a second excess portion, which is the difference between the remaining principal balance of the existing underlying mortgage and the first market value portion, is determined.