Abstract: Embodiments of the invention provide a digital watermarking system and method for producing watermarked images from a sequence of original images. The system includes a storage unit and a processor to encode watermark data, create a watermark bitmap template of the encoded watermark data, load and scale the original images, composite the watermark bitmap template and the scaled original images to produce the watermarked images, and store the watermarked images. The system can also produce a single watermarked image from a single original image.

Abstract: A decision support computer system, according to various aspects of the present invention, is used by a plurality of users to learn principles of personal finance by competing. The system includes an engine for central processing; a network for communication between each user and the engine for central processing; an engine for identifying to a particular competition a subset of the plurality of users; an engine for modeling financial consequences of a respective series of decisions made by each user of the subset; a graphical user interface engine operative by each user for indicating a decision after associating values of an opportunity to portions of a financial statement; and an engine for recognizing a particular user of the subset as succeeding in the particular competition in response to determining that the particular user's decisions result in the accumulation of recurring passive income exceeding recurring expenses.