Abstract: Segregated employer group settlement accounts (101, 102, . . . , 10N) receive payments for medical insurance claims and an explanation of benefits (EOB) memory (14) receives an explanation of the medical services of multiple medical service providers against which parts of the payment are to be applied and explanations of amounts due by individual patients. An electronic sorting and transfer processor (16) in accordance with the explanations of benefits, electronically transfers funds from each of the employer group settlement accounts into each of a plurality of medical service provider settlement accounts (261, 262, . . . 26M) without co-mingling funds. The funds from the service provider settlement accounts are transferred (30) to each medical service provider's banking institution (32) concurrently with an electronic transfer of the corresponding EOBs to the medical service provider's accounting system (34).

Abstract: A platform is used to climb a tree to an elevated position. A means is connected to the platform to latch it in a secure position so that a hunter may sit or stand on the platform in a hunting position. In a second use of the device, a forward v-shaped tree gripping portion of the platform is flipped over and carries a pair of wheels at one end thus to provide a wheeled platform and cart arrangement for removing game from the forest.

Abstract: A swivel connection between one end of a tether and a figure having a buoyancy chamber permits the figure to rotate relative to the tether. The figure is heavier than water when the chamber is filled with water and lighter than water when the chamber is filled with gas. The tether is secured to the bottom of a water container at a point spaced along the tether from the end with the swivel connection. A plurality of holes in the figure establish communication between the chamber and the outside of the figure. Gas is supplied to the chamber at a rate alternately to cause the figure to ascend and descend. Preferably, gas is supplied to the buoyancy chamber by an air pump, which could be an aquarium air pump, through a length of flexible tube, which serves as the tether.