Abstract: A disposable, flat-fold respirator having increased stiffness in selected areas, comprising: a mask body that comprises a plurality of panels which may fold in towards each other and may unfold into an open configuration, wherein the plurality of panels includes an upper panel, a lower panel, and a central panel, and wherein the respirator comprises an upper panel stiffening layer or a lower panel stiffening layer in a preselected shape and located in a preselected location in the upper panel.

Abstract: Systems, methods and computer program products for enabling a holder of a transaction account linked to a financial transaction instrument to delegate management of the transaction account to an assistant. Information relating to the transaction account, including at least identification information relating to the holder of the transaction account, is stored in a database. The database stores financial transaction data relating to financial transactions performed using the financial transaction instrument. A designation of at least one assistant to manage the transaction account on behalf of the holder is accepted and stored. Assistant management authentication data associated with the transaction account is established, to be used by the assistant to execute management instructions at a designated level of management access. An instruction from the assistant is accepted to access transaction data associated with the transaction account.