Abstract: Machine learning for insurance applications is provided to customers, potential customers, underwriters, and/or other insurance industry associates. An insurance application portal receives an insurance application from a customer regarding an insurance line of business of an insurance carrier. The portal can complete another insurance application for the customer for another line of business of the insurance carrier. The other insurance application is completed using information from the received insurance application and machine learning of customer data to infer inputs of information that does not overlap between the two applications. The portal can provide the completed second insurance application to the customer for approval to apply for the second line of business.

Abstract: Midstream urine collection with a device having an upper portion which forms an initial collection well, and a lower portion divided into an initial stream collection reservoir and a midstream collection reservoir. The device further includes a collection cavity and drain to allow a urine stream to flow into the housing. The device further includes a rotatable diverter adapted to rotate between: a first position in which an actuation panel is positioned to separate the initial collection well from the initial stream collection reservoir and a deflection panel is positioned to separate the initial collection well from the midstream collection reservoir; and a second position in which the deflector panel deflects the urine stream received through the collection drain into the midstream collection reservoir. The actuation panel comprises a piece of absorbent material affixed to a top surface thereof, within the initial collection well.