Abstract: A method for providing to a real estate purchaser such has a home buyer an indicia such as a printed card or an entry onto a portal signifying to those concerned in the industry such as a seller or a seller's representative that the home buyer has provided the information required for obtaining a loan, that the information including the financial information has been independently verified and has been processed through an appropriate approval process such as an automated underwriting system and has been approved for a predetermined loan amount and that the home buyer's condition is such that the loan is ready to close.

Abstract: A radar system and method that employs polarization-time diversity in transmitting signals and concurrently processing received reflections from both polarization modes provides information about the scattering matrix of a target without loss of information. Illustratively, the transmitted signals from Golay pairs, and the processing method employs a complex-conjugate time reversal operand. The received reflected signals are processed for a particular distance in mind to develop a scattering matrix of the medium at that distance. By comparing the scattering matrix to known scattering matrices an identification of the target from where the transmitted signals were reflected is obtained.

Abstract: A radar system and method that employs polarization-time diversity in transmitting signals and concurrently processing received reflections from both polarization modes provides information about the scattering matrix of a target without loss of information. Illustratively, the transmitted signals from Golay pairs, and the processing method employs a complex-conjugate time reversal operand. The received reflected signals are processed for a particular distance in mind to develop a scattering matrix of the medium at that distance. By comparing the scattering matrix to known scattering matrices an identification of the target from where the transmitted signals were reflected is obtained.

Abstract: A stabilized cheese flavoring system which can be used to prepare very different cheeses having desired flavor profiles in which the flavoring system is stabilized against the growth of spoilage or pathogenic microorganisms therein, while flavor development can be accelerated in one more of its flavor components thereof. The stabilized flavoring systems are obtained by addition of a bacteriocin source as part of fermentation process that accelerates the fermentation time needed for flavor development in one or more of its flavor components, and in at least a sulfur-cheddary component thereof in one embodiment. Therefore, production times can be significantly reduced for one or more of the flavor components of the flavoring system of the present invention without loss of flavor and while improving its microbial stability.

Abstract: A computer database for storing information regarding prospective purchasers of property, lenders to purchasers of property, sellers of property to the purchaser which is made accessible to such purchasers, lenders, and sellers to verify the validity of the status of such purchasers, lenders, and sellers and to validate the approval of a loan amount to such purchasers. A third party verification of the information provided is available. Communication between the database and the purchasers, sellers, and lenders is made available through the Worldwide Web.

Abstract: A method for receiving and verifying information received from a prospective home buyer and providing an indicia to the home buyer of loan approval. Such indicia is then used by the home buyer in soliciting property to purchase and in obtaining a final loan for purchase of the selected property.

Abstract: The present invention provides systems and methods for facilitating financial advising and planning for a user using a portfolio reconciler module. In accordance with an exemplary embodiment of the present invention, the system includes a portfolio integration module for facilitating integration of a user's goals, assets, savings, and risk tolerance to facilitate analyzing and developing a customized strategy for financial portfolio planning of the user. A portfolio reconciler module in communication with the portfolio integration module facilitates comparison of the customized strategy to other strategies and projected user financial decisions in order to further facilitate the financial portfolio planning of the user.

Abstract: A natural biogenerated cheese flavoring system is provided which can be used to prepare very different cheeses having desired flavor profiles. More specifically, the present cheese flavoring system contains a sulfury-cheddar flavored component, a creamy-buttery flavored component, and a cheesy flavored component. Each of these flavored components can be used as flavor building blocks with their own specific flavor profiles and/or characteristics. Using various combinations of these flavored components, cheeses having a wide variety of flavors can be produced. The flavored components are separately prepared from a highly concentrated milk substrate using compositions (e.g., specific enzymes, cultures, and additives) and process conditions designed to provide the flavored components having specific flavor profiles and/or characteristics. The flavor concentrates can be used in process cheese, process cheese-type products, or other cheeses to produce very different cheeses with desired flavor profiles.

Abstract: In accordance with the method of the present invention, dried grated Parmesan cheese particles are manufactured from milk. The fat level of the milk is standardized to about 2.0 percent. The milk is subjected to membrane processing by ultrafiltration and diafiltration to provide a retentate. The retentate is then fermented with a combination of lactic acid cultures, a flavor culture, and a lipase enzyme. The fermentation is carried out at a temperature between about 90 and about 120° F. The fermented retentate is then evaporated to a solids level desired in the finished dry grated Parmesan cheese, which is generally in the range of from about 18 to about 24 percent moisture. A clotting agent is added to the fermented retentate immediately before the initiation of the evaporation step. Evaporation is preferably carried out in a drum drier under quiescent conditions.

Abstract: Software is distributed without entitlement to run, while a separately distributed encrypted entitlement key enables execution of the software. The key includes the serial number of the computer for which the software is licensed, together with a plurality of entitlement bits indicating which software modules are entitled to run on the machine. A secure decryption mechanism contained on the computer fetches its serial number and uses it as a key to decrypt the entitlement information, which is then stored in a product lock table in memory. The distributed software contains a plurality of entitlement verification triggers. Each trigger is a single machine instruction in the object code, identifying a product number of the software module. When a trigger is encountered during execution, the computer checks the product lock table entry corresponding to the product number of the software. If the product is entitled to run, execution continues normally; otherwise execution is aborted.

Abstract: A method and apparatus are provided for use on a subterranean well gravel packing conduit. The apparatus incorporates a cylindrically shaped inner tubular member having an interior wall and an exterior wall. A fluid flow passageway is defined within the interior wall of the tubular member and fluid flow passage means extends from the interior of the tubular member through the exterior wall and communicates with the fluid flow passageway. In a preferred embodiment, an outer fluid-porous means, or particulate restricting means is carried around the exterior wall of the tubular member having its interior facing the tubular member.

Abstract: An exercising device for use by a swimmer for simulating a free swimmer's planing force across the surface of a body of water. The device comprises a base including a plurality of holding conduits for securing a resilient member from which a line attaches to a user's harness. The resilient member is designed to provide an upward force that approximates the upward planing force of a swimmer.