Abstract: A method for identifying a set of optimized financing programs to provide to a merchant may include receiving historical loan application data defining historical parameters associated with corresponding historical loan applications, replacing at least a portion of the historical parameters of the historical loan application data with new parameters associated with different loan terms to define a simulated loan data set defining simulated financing programs, determining a selection probability score for each of the simulated financing programs, the selection probability score indicating a likelihood of customer selection of each respective one of the simulated financing programs, determining a cash flow rating for each of the simulated financing programs, the cash flow rating estimating cash flow over time for the each respective one of the simulated financing programs, determining a valuation score based on the selection probability score and the cash flow rating of the each respective one of the simulated

Abstract: The present invention provides biosensors for detecting cholesterol and OxLDL in blood sample. The present invention relates to a paper-based colorimetric biosensor and an electrochemical biosensor each for detecting cholesterol and OxLDL in blood sample. The biosensors are inexpensive, rapid, simple, portable, diagnostics that incorporate information from multiple biomarkers associated with cardiovascular disease. The biosensors provide diagnostic test results that would place vital health data in the hands of doctors and patients and thus establish a framework for further advances in personalized medicine.

Abstract: The present invention provides biosensors for detecting cholesterol and OxLDL in blood sample. The present invention relates to a paper-based colorimetric biosensor and an electrochemical biosensor each for detecting cholesterol and OxLDL in blood sample. The biosensors are inexpensive, rapid, simple, portable, diagnostics that incorporate information from multiple biomarkers associated with cardiovascular disease. The biosensors provide diagnostic test results that would place vital health data in the hands of doctors and patients and thus establish a framework for further advances in personalized medicine.