Abstract: A hybrid model for new account acquisition is disclosed. A software tool can be provided to implement a statistical model that produces a hybrid score and corresponding decile segregation. The statistical model is a hybrid of a net conversion rate (NCR) model and an approval model, and may thus be referred to herein as a hybrid model. In example embodiments, a set of hybrid scores is calculated for each of a plurality of values of alpha to produce a decile level lift table for each set of hybrid scores. Potential values for alpha tend to lower the hybrid scores for declined prospects. The decile level lift tables can be used to facilitate selection of a value for alpha to optimize a performance metric associated with the new account acquisition. In some embodiments, a cost-benefit curve can be created from the lift tables.

Abstract: A biasing device for an exercising machine is provided where one end of the biasing device is removably disposed on a lever arm of the exercising machine and the opposite end of the biasing device is disposed on a fixed support member of the exercising machine. The biasing device provides resistance to the movement of the lever arm in the plane of motion wherein the biasing device comprises at least one elastomeric band and a containing device to provide a bight on the ends of the biasing device for disposing on the respective portions of the machine. The biasing device may also have end members or a support placed within the bights. The biasing device, the containing device and the end members or the support may be initially separate and separable such that in the event of damage to any one of said devices it may readily be replaced with another such elastomeric band.

Abstract: A biasing means for an exercising machine is provided where one end of the biasing means is removably disposed on a lever arm of the exercising machine and the opposite end of the biasing means is disposed on a fixed support member of the exercising machine. The biasing means provides resistance to the movement of the lever arm in the plane of motion wherein the biasing means comprises at least one elastomeric band and a containing means to provide a bight on the ends of the biasing means for disposing on the respective portions of the machine. The biasing means may also have end members of support means placed within the bights. The biasing means, the containing means and the end members or support means may be initially separate and separable such that in the event of damage to any one of said means it may readily be replaced with another such elastomeric band means.

Abstract: A biasing element for an exercising machine is provided where one end of the biasing element is removably disposed on a lever arm of the exercising machine and the opposite end of the biasing element is disposed on a fixed support member of the exercising machine. The biasing element provides resistance to the movement of the lever arm in the plane of motion wherein the biasing element comprises at least one elastomeric band and a containing member to provide a bight on the ends of the biasing element for disposing on the respective portions of the machine. The biasing element may also have end members or support members placed within the bights. The biasing element, the containing member and the end members or support members may be initially separate and separable such that in the event of damage to any one of said members it may readily be replaced with another such elastomeric band element.

Abstract: A hose construction for conveying water under pressure, a stem therefor and methods of making the same are provided, the hose construction comprising a flexible tubular hose having opposed ends, a metallic stem having opposed ends and having one of the ends thereof disposed in one of the ends of the hose, and a metallic tubular ferrule telescoped on the one end of the hose and being radially inwardly crimped toward the stem to compress the end of the hose between the ferrule and the stem, the one end of the stem having a plurality of annular spaced apart projections thereon and respectively having external peripheral surfaces embedded into the one end of the hose, the stem having an opening passing therethrough and defining an internal peripheral surface thereof, the one end of the stem terminating at an end edge thereof that is defined by the internal peripheral surface joining with the external peripheral surface of an adjacent annular projection the end edge defining a relatively large rounded end part on

Abstract: Wall systems are disclosed which employ a plurality of individual panels formed of extruded polymeric material joined in edge-to-edge relation including wale members which are vertically offset and interlocked at end portions thereof with adjacent wale members. The wall systems include connector elements for joining and interlocking the adjacent panel edges, and panels are disclosed, each having a continuous convex surface between their opposite side edges and strengthening ribs formed on a concave surface disposed opposite the convex surface thereof. A revetment system is disclosed in which a pair of wall sections are positioned in facing spaced-apart relation and joined by tie bolts extending through the wale members, to receive concrete therebetween.

Abstract: An improved device and technique for improving the reception of very low quency and low frequency transmissions in seawater. A loop antenna, wound on a ferrite core, is encapsulated in a water impermeable housing. Non-conducting elements are attached to the housing and extend outwardly therefrom to serve as barriers to conduction currents in the seawater. By varying the dimensions and number of the non-conducting members, the quality factor of the loop antenna can be increased to provide improved reception of VLF/LF signals.