Abstract: A system and method for incident reporting uses an application server on a network to facilitate the creation of incident reports and distribution of the reports for review, and controls access to the incident reports to protect the integrity and confidentiality of the reports. Each incident report is given a routing profile, which is tailored such that only proper authorized persons can review and/or edit the report. The progress of incident report review and incident investigation is tracked, and the tracking data are stored for monitoring and auditing purposes. Access to selected reports may be given to users on a temporary basis. The incident reports are archived to enable auditing and generation of reports.

Abstract: Systems, methods, and computer program products for determining a guaranteed benefit of an investment product include a means for changing an allowable withdrawal amount of the benefit associated with the guarantee based on a market-based interest rate that can be correlated to the hedging cost of the provider in funding the guarantee.

Abstract: A system and method for automated processing requests for reviewing and approving business development materials, such as marketing flipbooks and request for proposals, etc., for compliance and performance approval employs an application server that presents a web-based request form. A requestor uses the request form to enter information regarding the approval request and to select reviewer. The application server then generates a request document and sends it with the business development materials to the selected reviewer(s). The request form and marketing presentation materials are archived in a database to allow real-time monitoring and future auditing.

Abstract: A light emitting diode (“LED”) does not have a filament or power cord, has its own self-contained power supply and which LED light maybe clipped onto a support to decorative effect.

Abstract: Embodiments of computer-implemented methods and systems for posting non-machine journal entries to a general ledger can help the user validate non-machine journal entries posted to the general ledger. A non-machine journal entry application can be operated on a web platform which can be operated to maintain recurrent entries, create new or correct existing entries, and validate entries before posting them to the general ledger system. Operating the non-machine journal entry application, a user can store and maintain recurring entries in a database; validate a journal batch before posting; post recurring entries; correct existing entries; track journal entry batches sent to the general ledger; report on types of journal entries and posting history; and verify recurring batch completeness from exception, summary and account detail reports.

Abstract: Tactical firearm systems and methods of manufacturing tactical firearm systems are discussed herein. In some embodiments, a tactical weapons platform can comprise a forend assembly adapted to house a portion of a barrel; a receiver assembly detachably coupled to the forend assembly and adapted to interface with a bolt action; and a butt stock assembly detachably coupled to the receiver assembly. In other embodiments, a modular stock assembly for a bolt action rifle can generally comprise a forend assembly, a receiver assembly, and a butt stock assembly. The forend assembly can have a body adapted to house a barrel in a free floating configuration, wherein the body surrounds at least a portion of the length of the barrel. The receiver assembly can be detachably coupled to the forend assembly and adapted to directly interface with a bolt action without bedding. The butt stock assembly can be detachably coupled the receiver assembly by a hinge.

Abstract: Aspects of the invention relate to a method and system to manage a business process and business process content, comprising a content management system that includes efficiency-improving and workflow features. Efficiency-improving features allow several people involved in a business process, including those residing in different locations, to store and access documents in a central repository of a content management system. Further, these features manage business process content that include functions such as document handling and searching capabilities that allow users to navigate, search, and develop business content efficiently. In addition, the business process becomes a virtual electronic environment without the need for redundant physical files spread throughout different offices.

Abstract: Aspects of the present disclosure allow an insurance company or other institution to manage its risk by establishing a charge consistent with hedging costs in offering a minimum guarantee on an underlying investment product to its customers. Such guarantees on underlying investment products may be included in, but are not limited to, variable annuities and contingent deferred annuities (CDA). Embodiments of a process are disclosed by which the charge for a guaranteed benefit in an investment product on underlying investments can vary by investor based on actual investment behavior. Advantageously, the insurance company or other institution can better manage its risk by reducing exposure from the actual experience compared to the investment behavior assumption and enable benefits to be charged more precisely for the actual risk taken (e.g., the insurance company can offer lower cost benefits for customers who are more risk averse).

Abstract: A safe medical-drug injector with a collapsable plunger combination thereof is proposed. The injector includes a hub connected with a needle, a hollow barrel, and a collapsable plunger combination including a hollow cannula and a retractable plunger that is telescoped with the hollow cannula. At least a stress adjustable notch is formed at the core of the retractable plunger or in an upper edge of the hollow cannula, and at least one raised portion is formed on an outer lateral side of the retractable plunger near the stress adjustable notch to be correspondingly embedded with at least a depression formed on an inner lateral side of the hollow cannula. The engagement between the raised portion and the depression is released to make the retractable plunger drawn back to the hollow cannula when a following press is applied on the hollow cannula after the safe medical-drug injector completes an injection.

Abstract: A home value estimator software application and related method assist a broker to systematically and accurately estimate the value of a customer's home. Another aspect of the disclosure relates to a heuristic research methodology that can be used to determine values of different characteristics of a home to estimate the value of the customer's home. Further, the values are categorized into different levels using other heuristic methods and then stored in at least one matrix in a database. The software application accesses the values based on user input data to calculate an estimate of the value of the customer's home. Thus, the estimate more accurately reflects the appraised value of the home than the prior art. Consequently, an insurance company may quote an initial premium and insurance coverage of home insurance product to a customer that requires less or nor adjustment after a home inspector appraises the home.

Abstract: A method for underwriting an insurance product includes identifying a plurality of event categories of operational risk loss and drafting information requests for operational risk management components thereof. A database of the insurance company for stores and analyzes information provided by the client to yield an operational risk exposure assessment of the client.

Abstract: Aspects of the invention include a method and system to develop a product within a corporate environment comprising diverse business units that are located in geographically dispersed locations. In addition, aspects of the invention provide for a streamlined product development process such that a company can efficiently launch products to market from an idea generation stage. Further aspects of the invention include systems and methods that coordinate product development activities within and between different business units within a company. Additional aspects of the invention provide for systems and methods that improve efficiency, reduce redundancy and provide synergy of expertise between different business units to develop a product.

Abstract: A system and method for performing a transaction can allow a user to perform a multi-step process on a single web page. The system can receive an initiate-application command from a user at an application server and, in response, initiate an application for facilitating a transaction. The system can present a parameter-request panel, including a set of parameter-request fields, to the user at a client. The system can receive transaction parameters from the user via the set of parameter-request fields. In response to receiving the transaction parameters, the system can present a transaction-options panel, including a set of transaction options associated with the transaction parameters, to the user without obscuring the parameter-request panel. The system can receive from the user a transaction-option selection associated with the set of transaction options and, in response, present a transaction-completion panel to the user without obscuring the parameter-request panel or the transaction-options panel.

Abstract: Aspects of the disclosure describe systems and methods for providing a combined insurance and assistance product to an insured. Insurance coverage can be provided to the insured for at least one insured loss event in conjunction with assistance services coverage based upon the at least one insured loss event. A base premium for the combined insurance and assistance product can be calculated based at least in part on a premium for the insurance coverage and a premium for the assistance services coverage. Assistance services can include preventive services directed to helping avoid the occurrence of at least one insured loss event and/or rehabilitative services directed to providing assistance after an occurrence of at least one insured loss event.