Abstract: Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, a feasible, personalized pattern of periodic cash payouts from an investment plan is structured to achieve level annual income during a payout period when combined with other income sources. A mapping is maintained of fixed income investments from a limited universe of financial products available within the investment plan to corresponding constant maturity Treasury bond (CMT) weights. Based on the mapping, a payout program is designed that is expected to generate a stream of income sufficient to fund the cash payouts by determining an appropriate allocation of assets within the investment plan among the fixed income investments. A payout portfolio is formed within the investment plan including holdings in the fixed income investments in accordance with the determined appropriate allocation. The cash payouts are paid to the investor.

Abstract: Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, based on an investor's current holdings in the investment plan, a pattern of periodic cash payouts is identified that can be made to the investor from an in-plan payout program implemented with the limited universe of financial products available within the investment plan. The assets of the investment plan are rebalanced to form a payout portfolio and an equity exposure portfolio. The payout portfolio is constructed to create an annuity-like stream of income to support the pattern of periodic cash payouts and includes multiple bond funds. The equity exposure portfolio is constructed to address inflation risk by providing an ability to rise with equities markets. Finally, a periodic cash payout of the pattern of periodic cash payouts is caused to be paid to the investor from the investment plan.

Abstract: Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, based on an investor's current holdings in the investment plan, a pattern of periodic cash payouts is identified that can be made to the investor from an in-plan payout program implemented with the limited universe of financial products available within the investment plan. The assets of the investment plan are rebalanced to form a payout portfolio and an equity exposure portfolio. The payout portfolio is constructed to create an annuity-like stream of income to support the pattern of periodic cash payouts and includes multiple bond funds. The equity exposure portfolio is constructed to address inflation risk by providing an ability to rise with equities markets. Finally, a periodic cash payout of the pattern of periodic cash payouts is caused to be paid to the investor from the investment plan.

Abstract: A PCI riser card includes a printed circuit board and an array of PCI connectors located on the printed circuit board. A plug portion extends from an edge of the printed circuit board and may be inserted into a PCI connector of a system board. The array of PCI connectors includes a first PCI connector and a second PCI connector. The first PCI connector is parallel to the second PCI connector is arranged in inverse relative to the second PCI connector.

Abstract: Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, based on an investor's current holdings in the investment plan, a pattern of periodic cash payouts is identified that can be made to the investor from an in-plan payout program implemented with the limited universe of financial products available within the investment plan. The assets of the investment plan are rebalanced to form a payout portfolio and an equity exposure portfolio. The payout portfolio is constructed to create an annuity-like stream of income to support the pattern of periodic cash payouts and includes multiple bond funds. The equity exposure portfolio is constructed to address inflation risk by providing an ability to rise with equities markets. Finally, a periodic cash payout of the pattern of periodic cash payouts is caused to be paid to the investor from the investment plan.

Abstract: Financial advisory methods and systems for creating a steady lifetime income stream within an investment plan is provided. According to one embodiment, based on an investor's current holdings in the investment plan, a pattern of periodic cash payouts is identified that can be made to the investor from an in-plan payout program implemented with the limited universe of financial products available within the investment plan. The assets of the investment plan are rebalanced to form a payout portfolio and an equity exposure portfolio. The payout portfolio is constructed to create an annuity-like stream of income to support the pattern of periodic cash payouts and includes multiple bond funds. The equity exposure portfolio is constructed to address inflation risk by providing an ability to rise with equities markets. Finally, a periodic cash payout of the pattern of periodic cash payouts is caused to be paid to the investor from the investment plan.

Abstract: A method of tax-aware asset allocation is provided. According to one embodiment, information is received regarding financial products available for investment in a taxable account and a tax deferred account of an investor. Information is also received regarding current investments held in the taxable account and the tax deferred account. Tax characteristics associated with each financial product is determined by evaluating information regarding distributions and/or information regarding turnover. Relevant financial circumstances of the investor are also determined.

Abstract: A decision-making method, a decision-making system, and a PDF are disclosed herein. The decision-making method comprises: receiving application session data that carries access network data and access user data; and making policy and charging decisions according to the application session data. Through the decision-making method, decision-making system, and PDF, the application session data comprises access network data and access user data of the UE so that the PCRF can uniquely determine a user according to the access network data or the access user data and the IP address allocated by the network to the UE, and make policy and charging decisions.

Abstract: A financial advisory platform that includes Roth contribution support is provided. According to one embodiment, a method is provided for identifying an alternative retirement savings strategy that maintains take-home pay and increases a forecasted after tax value of a retirement portfolio. A split optimization module determines whether there exists an alternative retirement savings strategy for an investor that both (i) maintains take-home pay of an investor and (ii) increases a forecasted after tax value of a retirement portfolio of the investor as compared to a current retirement savings strategy of the investor.

Abstract: A material that can be applied as implants designed to artificially replace or augment the cornea, such as an artificial cornea, corneal onlay, or corneal inlay (intrastromal lens) is provided. The artificial corneal implant has a double network hydrogel with a first network interpenetrated with a second network. The first network and the second network are based on biocompatible polymers. At least one of the network polymers is based on a hydrophilic polymer. The artificial cornea or implant has epithelialization promoting biomolecules that are covalently linked to the surface of the double network hydrogel using an azide-active-ester chemical linker. Corneal epithelial cells or cornea-derived cells are adhered to the biomolecules. The double network has a physiologic diffusion coefficient to allow passage of nutrients to the adhered cells.

Abstract: A financial advisory platform that includes Roth contribution support is provided. According to one embodiment, trade-offs between a current retirement savings strategy and an alternative retirement savings strategy are presented to an end user. Information is received regarding the alternative retirement savings strategy, which includes information regarding a target proportion of retirement plan contributions to be invested pre-tax and post-tax in a retirement portfolio where the target proportion is different than the current proportion of pre-tax and post-tax contributions under the current retirement savings strategy. An after tax value of the retirement portfolio is forecast by a forecasting module based on the alternative retirement savings strategy. Trade-offs are presented between the alternative retirement savings strategy and the current retirement savings strategy.

Abstract: A material that can be applied as implants designed to artificially replace or augment the cornea, such as an artificial cornea, corneal onlay, or corneal inlay (intrastromal lens) is provided. The artificial corneal implant has a double network hydrogel with a first network interpenetrated with a second network. The first network and the second network are based on biocompatible polymers. At least one of the network polymers is based on a hydrophilic polymer. The artificial cornea or implant has epithelialization promoting biomolecules that are covalently linked to the surface of the double network hydrogel using an azide-active-ester chemical linker. Corneal epithelial cells or cornea-derived cells are adhered to the biomolecules. The double network has a physiologic diffusion coefficient to allow passage of nutrients to the adhered cells.

Abstract: The present invention relates to new compounds, or salts, solvates or solvated salts thereof, processes for their preparation and to new intermediates used in the preparation thereof, pharmaceutical compositions containing said compounds and to the use of said compounds in therapy.

Abstract: A material that can be applied as implants designed to artificially replace or augment the cornea, such as an artificial cornea, corneal onlay, or corneal inlay (intrastromal lens) is provided. The artificial corneal implant has a double network hydrogel with a first network interpenetrated with a second network. The first network and the second network are based on biocompatible polymers. At least one of the network polymers is based on a hydrophilic polymer. The artificial cornea or implant has epithelialization promoting biomolecules that are covalently linked to the surface of the double network hydrogel using an azide-active-ester chemical linker. Corneal epithelial cells or cornea-derived cells are adhered to the biomolecules. The double network has a physiologic diffusion coefficient to allow passage of nutrients to the adhered cells.

Abstract: An improved lumber positioning device on a carpentry cutting bench includes a rectangular board secured on the bench, a pair rip fences secured to the lateral edges of the board which has a number of oblique cutting grooves radically formed in center with pair of parallel transverse guide grooves beside the cutting grooves. The rip fences each has a number of corresponding oblique vertical slot communicating the cutting grooves, a pair of positioning plates slidably secured to a protrudent bar in the guide grooves each of which has a rack on an inner wall engageable with the serrated outer edge of a pair of expanding plates inside the positioning plates. A pair of positioning rods each has an elliptic eccentrically integrated at lower end engaged into the positioning plate for rotatably operated the expanding plates to lock or unlock the positioning plates to achieve a non-step gripping a cutting lumber on the rectangular board.

Abstract: A method to simplify the polycide gate structure fabrication processes by using a hardmask 240 to define a pattern of siliciding 260 a silicon layer 230, and then using the silicide 260 to mask removal of the unreacted silicon 220 and 230 in locations where the hardmask 240 had been present. The metal silicide 260 formed in the exposed silicon regions 220 and 230 functions as a self-aligned mask against the silicon 220 and 230 etching. By using a selective etching process between the silicon 220 and 230 and the silicide 260, the silicon 220 and 230 can be etched down to the gate oxide 210 to form the polycide (silicide/polysilicon) gate. The polycide gate formed by this method is particularly advantageous in DRAM applications, but can also be used as a MOS gate in a transistor.

Abstract: A method of fabricating a semiconductor device and the device which includes initially providing a layer of silicon having a thin oxide layer thereon and a patterned layer of a masking material not permeable to at least selected oxygen-bearing species and having a sidewall disposed over said oxide layer to provide an exposed intersection of the masking material and the oxide layer. An oxygen-bearing species conductive path is then formed on the sidewall of the masking material extending to the exposed intersection for conducting the selected oxygen-bearing species. A sidewall layer of a material different from the conductive path is formed on the conductive path. An oxygen-bearing species is then applied to the exposed intersection through the path and a thick oxide surrounding the masking material is fabricated concurrently or as a separate step. The masking material is preferably silicon nitride, the path is preferably silicon oxide and the sidewall layer is preferably silicon nitride.

Abstract: An improved method for forming a DRAM chip is disclosed. According to this method, a memory cell gate is deposited in a memory cell array area of the DRAM chip. The memory cell gate overlies a first channel area of a substrate. A peripheral gate is deposited in a peripheral area of the DRAM chip. The peripheral gate overlies a second channel area of the substrate. A first dopant is implanted with a first concentration in a first plurality of source and drain regions of the substrate lying predominantly outside the first and second channel areas of the substrate. A sidewall is then formed adjacent to the peripheral gate. Simultaneously, an insulating layer is formed over the memory cell array area of the DRAM chip. A second dopant is implanted with a second concentration in a second plurality of source and drain regions of the substrate within the peripheral area of the DRAM chip. The implant of the second dopant is blocked by the sidewall and the insulating layer.