Abstract: The present invention generally relates to voice communication means and systems for provision thereof. Specifically, the present invention relates to a computer implemented system and method for providing switching between a plurality of voice networks, or trunks, based at least in part on the quality of service (QoS) of a trunk.

Abstract: The present invention generally relates to testing methods. Specifically, the present invention relates to a computer implemented system and method for providing testing in one or more academic subjects over one or more telephone or audio/voice communication means.

Abstract: The system and method provide a complete solution for borrowers, brokers, mortgage bankers, and investors in the mortgage industry. The embodiments provide a centralized Internet system that auctions mortgage loans—a system for auctioning loans in the primary market and another for auctioning loans in the secondary market. There is a third auctioning system for auctioning leads (information about potential borrowers) to brokers. The latter system feeds the primary loan auction system while at the same time increasing a borrower's opportunity to obtain a satisfactory loan package. The primary loan auction system encourages optimum rebate values for brokers, provides an improved opportunity to borrowers to obtain the best loan program with the lowest rate available, and feeds the secondary loan auction system with loan packages.