Abstract: A claim-based capitation model is proposed for handling vehicle repair insurance claims. Rather than determining a detailed estimate of the expected actual cost of repair, the estimate may be determined using a simpler model. For example, the insurance company and a repair facility may agree to following a predictive payment model in which the insurance company pays a fixed predicted capitated amount of money for each repair claim, regardless of the amount of repair work that will be needed. Alternatively, the insurance company may pre-pay a fixed capitated amount for a predicted number of future insurance claims.

Abstract: A novel yard waste collection system is provided which can be used with both paper and plastic trash and lawn waste bags. A pair of upside down U-shaped members are provided which are connected by four pivoted arms to create a support frame such that the support frame can be held in either an open or closed position. The open end of the U-shaped members faces towards the ground with the closed end of the U-shaped members being on the top side of the support frame when in use. When the support frame is in closed position, the device is relatively flat for easy storage in a closet, garage, or storage shed. The four pivoted arms, two on each side of the pair of U-shaped members, are pivotally connected to the two U-shaped members such that a first U-shaped member is held below the second U-shaped member. The device can be pivoted to an open position such that the two U-shaped arms remain in a generally parallel position in respect to one another forming a rectangular box shape.