Abstract: The present disclosure is directed to a coated metal substrate comprising a metal substrate; a coating applied over at least a portion of the metal substrate, wherein the coating comprises a film-forming binder; magnesium oxide; and an aluminum compound and/or iron compound; wherein the coating has a dry film thickness of at least 10 microns, and the magnesium oxide and the aluminum and/or iron compound are present in a weight ratio of 1:1 to 240:1. The present disclosure is also directed to a curable film film-forming coating composition a film-forming binder; magnesium oxide; and an aluminum compound and/or iron compound, wherein the magnesium oxide and the aluminum and/or iron compound are present in a weight ratio of 1:1 to 240:1. Also disclosed are methods of coating a substrate.

Abstract: Systems for aggregating communication channels to generate effective interventions is provided. Some such systems include an intervention mediator configured to electronically communicate with at least one of a first user via a first user device and a second user via a second user device. The mediation module is configured to assess whether an intervention with the first user is appropriate, determine a specific intervention based at least in part on a result of the assessment, and provide the second user, via the second user device, a prompt to perform the specific intervention for the benefit of the first user. Methods for selectively generating a natural support intervention are also provided.

Abstract: A computer implemented method for inducing customers to visit a retail establishment to engage in a financial transaction. An offer to redeem a stored value payment card dependent upon visiting the retail establishment is displayed on a first computer to an end user. Personal user information is gathered and a unique redemption PIN is created. A second computer displays to a retailer at the physical retail establishment a retailer interface used for validating the unique redemption PIN. Upon visiting the physical retail establishment the end user validates the redemption PIN. The retailer interface received a mailing address from end user and mails a stored value payment card to the end user. End user activates the stored value payment card by visiting a unique URL and answering questions associated with their visit.