Abstract: Memory storing terms of a contract for reducing accounting volatility and risk, the terms including specification of at least one measure of variation in a rate of return corresponding to a return on an investment portfolio, a variable speed of adjustment factor and a contract rate of return on an investment associated with the investment portfolio, wherein the amount of the measure of the variation changes over time; a computer computing an amount for the at least one measure of variation, calculating an amount for the adjustment speed factor and using the amounts in: determining at least one of a contract rate of return on the investment associated with the investment portfolio and a contract value for the investment associated with the investment portfolio to produce output.

Abstract: A method, machine, article for a specified event bond. The method can include: storing in memory terms of a bond indenture for a bond, the indenture including a contingent liability obligation whereby an issuer of the bond is obligated to pay to an investor in the bond if a specified event occurs; determining, by a computer accessing the memory and receiving market data, an amount of contingent liability corresponding to the obligation; and outputting, by the computer, the determined amount of the contingent liability.

Abstract: A process, machine, manufacture, or composition of matter, and improvements, illustratively as method of using a machine, the method including: storing data of a population in memory; computing, by a computer accessing the data stored in the memory, a probability of at least one future medical treatment needed by at least one individual having data in the data of a population; ascribing, by the computer applying the computed probabilities, each said individual with one of a plurality of risk stratifications for each said future medical treatment; and producing, by the computer communicating to an output device, output including at least one said ascribed individual in association with the one of the risk stratifications. The method can also include forming, by the computer accessing the data stored in the memory, an association of travel by an individual and a health consequence as a result of the travel by the individual; and generating, at the output device, output including the association.

Abstract: A method, machine, article for a hedged specified event bond. The method can include: storing in memory terms of a bond indenture whereby proceeds from the bond are placed in a bankruptcy-remote entity, an investment is purchased, a risk associated with the investment is hedged, and a scheduled investor payment is adjusted if a specified event occurs; determining, by a digital computer accessing the memory and receiving market data and data corresponding to the specified event, a payment amount to the entity, a scheduled investor payment amount by the entity, a value of assets of the entity, whether there has been an occurrence of the specified event, and if an occurrence is determined, computing an adjustment in the scheduled payment; and outputting, by the computer, at least one of the payment amount to the entity, the scheduled investor payment amount, the value, and, if the occurrence is determined, the adjustment.

Abstract: An aggregation machine, including: a computer, an output device controlled by the computer, and networking hardware connecting the computer to a network, the computer programmed so that the aggregation apparatus: connects to a plurality of sites on the Internet; and authenticates itself with each of the plurality of sites; and retrieves information from each of the plurality of sites; and parses the information from each of the plurality of sites; and provides user-enabled content management to users, and subject to said content management, produces an aggregation of the parsed information; and renders the aggregation as output.

Abstract: An apparatus and process, including an electronic system, the system for generating output in selling fixed income instruments, the system including a first computer system having an output device and at least one other computer system having an input device, the first computer system and the other computer system being respectively located, the computer systems being used in cooperation in a multiple computer system in electronically communicating data between the computer systems.

Abstract: Illustratively, there can be a securitization system that is comprised of a computer or computers using a network, and a process, for the conversion of assets into marketable securities. In one embodiment, the securitization system includes a distribution system to distribute at least some of the marketable securities generated by the securitization system to one or more buyers. The process may utilize a new definition of securitization that expands the universe of securitizable assets, the universe of asset securitization methodologies, and the universe of securities that can be designed and generated thereby.

Abstract: A multilayer electrical device, such as a printed circuit board, having a tooth structure including a metal layer set in a dielectric. The device includes a base; a conductive layer adjacent to the base; a dielectric material adjacent to conductive layer; a tooth structure including a metal layer set in the dielectric material to join the dielectric material to the metal layer; and wherein the metal layer forms a portion of circuitry in a circuit board having multiple layers of circuitry.

Abstract: A method, machine, article for an entity holding insurance.

Abstract: A system for referring a telephone communication to one of a plurality of financial assistance providers based on lender criteria, the method including the steps of: storing telephone numbers for a plurality of financial assistance providers in memory accessible by a digital electrical computer; obtaining lender criteria for selecting one of the financial assistance providers; storing said criteria for access by said computer; identifying a debtor; selecting one of the financial assistance providers by accessing the criteria, applying the criteria, and accessing one of the stored telephone numbers; and connecting the debtor by telephone to the one of the stored telephone numbers.

Abstract: A method of computing to produce a schedule of meetings, the method including: entering into a computer parameters defining an event of meetings of members; entering into the computer a data set for each of the members, the set including: at least one classification characterizing the member, at least one classification for meeting other of the members, and if more than one classification for meeting is entered, a corresponding ranking of the classifications for meeting the other members; and generating a schedule of the meetings for the members by using the classifications and the rankings, if any.

Abstract: Machine for controlling a system changing electrical signals to separately value components temporally decomposed from residential property, the computer apparatus including: a computer system, arranged for receiving information into a memory, the data representing the residential property, the computer system further comprising: logic means controlling the computer system to change the data to produce modified signals representing a separate valuation of each of a plurality of components temporally decomposed from the residential property, the components including a residential estate for years interest and a residential remainder interest; and an output device connected to convert the modified signals into documentation including the respective valuation of each of the components.

Abstract: An aggregation machine including: a smart phone including a display, and networking hardware connecting the smart phone to the Internet, the smart phone programmed so that the aggregation machine connects to a plurality of servers via the Internet, and then authenticates itself with each of the plurality of servers, and then retrieves information from each of the plurality of servers, and then parses the information from each of the plurality of servers so as to produce an aggregation of the parsed information, and then renders the aggregation as output via the display.

Abstract: A process, machine, manufacture, composition of matter, and improvement thereof, and method of making and method of using the same, as well as necessary intermediates, generally relating to the field of semiconductor devices, the structure of transistors, and the structure of compound semiconductor heterojunction bipolar transistors.

Abstract: Machine, method for use and method for making, and corresponding products produced thereby, as well as data structures, computer-readable media tangibly embodying program instructions, manufactures, and necessary intermediates of the foregoing, each pertaining to digital aspects of a computerized aggregation system. The system can include a user computer system interposed between a segment of a network allowing communication between the user computer system and at least one server system, and other segments allowing communication between the user computer system and a plurality of third party server systems. The one server system enables the user computer system to access the plurality of other servers. The access permits forming an aggregation of information obtained from the third party server systems.

Abstract: Systems and methods for using antiprotons for terminating unwanted or undesirable cells which can be used in the treatment of conditions caused by the existence and/or proliferation of such undesirable cells. Such conditions include cardiovascular ailments, Parkinson's disease, wet macular degeneration, endocrine disorders, dermatological ailments, and cancer. Because of the unique nature of antiprotons and their annihilation characteristics, the preferred antiproton delivery device (1010, 1015, 1030) embodiments further incorporate detector arrays (1050a), capable of detecting characteristic emissions in the course of treatment.

Abstract: Machine, method for use and method for making, and corresponding products produced thereby, as well as data structures, computer-readable media tangibly embodying program instructions, manufactures, and necessary intermediates of the foregoing, each pertaining to digital aspects of a computerized aggregation system. The system can include a user computer system interposed between a segment of a network allowing communication between the user computer system and at least one server system, and other segments allowing communication between the user computer system and a plurality of third party server systems. The one server system enables the user computer system to access the plurality of other servers. The access permits forming an aggregation of information obtained from the third party server systems.

Abstract: Machine, method for use and method for making, and corresponding products produced thereby, as well as data structures, computer-readable media tangibly embodying program instructions, manufactures, and necessary intermediates of the foregoing, each pertaining to digital aspects of a computerized aggregation system. The system can include a user computer system interposed between a segment of a network allowing communication between the user computer system and at least one server system, and other segments allowing communication between the user computer system and a plurality of third party server systems. The one server system enables the user computer system to access the plurality of other servers. The access permits forming an aggregation of information obtained from the third party server systems.

Abstract: A method for creating a personalized exercise routine with at least one user interface used in connection with forming machine-readable instructions protected as private to a user subsequently carrying out the exercise routine on an exercise machine, the method including the steps of: providing the user with at least one user interface to define the personalized exercise routine; forming machine-readable instructions to control the exercise machine to carry out the exercise routine on the exercise machine, said machine instructions protected as private to the user; storing the personalized exercise routine formed in the machine-readable instructions in a memory device; and user-triggered engaging of the machine-readable instructions to control the exercise machine in carrying out the personalized exercise routine.

Abstract: Illustratively, there can be a securitization system that is comprised of a computer or computers using a network, and a process, for the conversion of assets into marketable securities. In one embodiment, the securitization system includes a distribution system to distribute at least some of the marketable securities generated by the securitization system to one or more buyers. The process may utilize a new definition of securitization that expands the universe of securitizable assets, the universe of asset securitization methodologies, and the universe of securities that can be designed and generated thereby.