Abstract: The method includes the following: receiving at a program-server in communication with a plurality of remote endpoint data-source servers, real-time motor vehicle repair order data, live instant pre-screen consumer credit data and calculated motor vehicle values data; assembling customer data, instant pre-screen credit data and vehicle values data into a single service-event record; analyzing combined service-event record data to identify and mark pre-specified vehicle ownership inefficiency indicators within the record; transmitting said record including marked indicators to be viewed on a user display device; to be used to make accurate and timely ownership efficiency optimization recommendations to in-house repair facility service customers.

Abstract: A behavior modification device and process comprises a recording implement having a group of interrelated columnar items of a person's behavior, with an assigned monetary value to each of these. The columns are laterally and vertically aligned so that the person has a running view of a summary of the effect of his behavior during a stated period. The device is constructed as a sheet of printable paper or plastic material secured in place by magnetic attachment to a refrigerator door, or to some similar available surface where the family traffic is relatively dense. The device, when completed for the stated period, can be used as a basis for the payment of allowances.