Abstract: A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic payment for maintaining the interest-free revolving amount or account using the computer processor; and automatically revising the interest-free revolving amount or account or the periodic payment using the computer processor based upon at least one user performance metric over a predetermined period of time; wherein the interest-free revolving amount or account or the periodic payment for maintaining the interest-free revolving amount is determined by the user via the network.

Abstract: A novel cotton variety, designated as FM 9180B2F, is disclosed. The invention relates to seeds, plants, plant cells, plant tissue, harvested products and cotton lint as well as to hybrid cotton plants and seeds obtained by repeatedly crossing plants of variety FM 9180B2F with other plants. The invention also relates to plants and varieties produced by the method of essential derivation from plants of FM 9180B2F and to plants of FM 9180B2F reproduced by vegetative methods, including but not limited to tissue culture of regenerable cells or tissue from FM 9180B2F.

Abstract: The invention concerns novel imidazole derivatives of general formula (I), wherein Z? and Z represent different variable groups. Said products have an antitumoral activity. The invention also concerns pharmaceutical compositions containing said products and their use for preparing antitumoral medicine.

Abstract: In an integrated circuit, a light sensitive area is protected against radiation by arranging a light blocking layer sequence (504) on top of the light sensitive area. The light blocking layer sequence comprises one or several metal layers (504a) and a silicon layer (503b, 1) for the purpose of absorption. A moth eye structure is provided on the silicon layer. Thereby, a radiation incident by reflection is minimized in such a way that also stray light can effectively be kept from the light sensitive area below the light blocking layer sequence (504).

Abstract: The cotton variety ST 5458B2RF is disclosed. The invention relates to seeds, plants, plant cells, plant tissue, harvested products and cotton lint as well as to hybrid cotton plants and seeds obtained by repeatedly crossing plants of variety ST 5458B2RF with other plants. The invention also relates to plants and varieties produced by the method of essential derivation from plants of ST 5458B2RF and to plants of ST 5458B2RF reproduced by vegetative methods, including but not limited to tissue culture of regenerable cells or tissue from ST 5458B2RF.

Abstract: The cotton variety ST 4498B2RF is disclosed. The invention relates to seeds, plants, plant cells, plant tissue, harvested products and cotton lint as well as to hybrid cotton plants and seeds obtained by repeatedly crossing plants of variety ST 4498B2RF with other plants. The invention also relates to plants and varieties produced by the method of essential derivation from plants of ST 4498B2RF and to plants of ST 4498B2RF reproduced by vegetative methods, including but not limited to tissue culture of regenerable cells or tissue from ST 4498B2RF.

Abstract: The present invention provides methods and systems for providing discriminated partner system resources to the user of a host system. A host entity has a business relationship with one or more partnered entities. A user accesses the host's system and then uses the host's system to connect to a partner's system. Access from one system to the next is seamless and requires no additional user input to verify the user's access rights to subsequently accessed partners' systems. The content delivered to the user from a partner's system is discriminated from a larger pool of information to appear consistent in appearance, message, or both with the host system. The host system, the partner system or both systems may perform the discrimination functions. The user is thereby provided with seamless access to partnered systems that reflects the business partnership of the host and various partners.

Abstract: An applications access re-certification system is disclosed. The system is used for approving and re-certifying a user's access rights to applications stored or existing in an institution's computer system based on reviewing in a configurable timeframe the user's functional roles by designated reviewers. The system is used to ensure security of the applications by means of a reviewing process. The system is used to automate the re-certification process by means of a computer-controlled re-certification system which automatically operates in a defined methodology under control of re-certification administrators. The system could perform a management summary of access rights to the applications, and a automated scorecard to monitor the re-certification progress. The system could carry out a control process to ensure the changes to existing permissions are effectively managed at source destinations. The system has a capability of initiating multiple approvers for re-certifying a user's access rights.

Abstract: The present invention is directed to antibodies and fragments thereof and humanized versions thereof having binding specificity for IL-6. Another embodiment of this invention relates to the antibodies described herein, and binding fragments thereof, comprising the sequences of the VH, VL and CDR polypeptides described herein, and the polynucleotides encoding them. The invention also contemplates conjugates of anti-IL-6 antibodies and binding fragments thereof conjugated to one or more functional or detectable moieties. The invention also contemplates methods of making said anti-IL-6 antibodies and binding fragments thereof. Embodiments of the invention also pertain to the use of anti-IL-6 antibodies, and binding fragments thereof, for the diagnosis, assessment and treatment of diseases and disorders associated with IL-6.

Abstract: The invention pertains to novel insecticidal compounds derived from Bacillus thuringiensis strains. New proteins designated. Cry2Ae, Cry2Af, and Cry2Ag, and variants thereof are provided, as well as DNA sequences encoding these proteins or their variants. Further provided are recombinant hosts expressing such proteins, particularly plant cells and plants.

Abstract: Methods for screening compounds that modulate umami taste signaling in taste cells are provided. These methods comprise contacting a compound with hetero-oligomeric taste transduction G-protein coupled receptors that respond to umami taste stimuli, and determining whether the compound binds to and/or affects the activity of the hetero-oligomeric umami receptor.

Abstract: Provided are pesticidal, particularly insecticidal, proteins which resemble S- layer proteins, as well as variants or mutants thereof, and DNAs encoding them. Further provided are methods and means for using said DNA or protein for controlling pests, particularly plant insect pests.

Abstract: The invention relates to a method and system, including a computer system for storing and manipulating transaction data including transaction purchase information, customer demographics information, and merchant information, the computer system comprising a storage device for storing the transaction data and a processor for processing the transaction data. The method may include obtaining transaction purchase information generated from a plurality of sources; generating customer profile information based on the transaction purchase information; and obtaining merchant information relating to at least one merchant.

Abstract: According to one embodiment, the present invention relates to a method and a system for emulating a private label network over an open network where settlement occurs at varying discount rates with one or more merchants or providers. A computer implemented method and system for settling a transaction at a discount rate may include receiving an authorization record for the transaction initiated by a customer over an open payment network; identifying payment plan data associated with a transaction; creating a settlement record based at least in part on the authorization record and the payment plan data; determining a discount rate for the settlement record; and settling with a provider for the transaction at the discount rate.

Abstract: A system for descending a rope regardless of the tension on the working end of the rope. The system comprises a frame having first, second, third and fourth sides, the first and third sides being relatively positioned at a first angle and the second and fourth sides being relatively positioned at a second angle. In some embodiments, the sum of the first angle and the second angle equals 180 degrees. The system also includes a plurality of friction nodes associated with the first side for: (1) receiving a rope, (2) enabling the frame to selectively move up or down relative to the rope, and (3) applying a select amount of friction to the rope according to the relative position of the frame to the rope.