Abstract: A method for determining airborne concentrations of an ensemble of particulate matter below the size fraction 2.5 ?m in aerodynamic diameter (PM2.5). The method is to be composed of a sharp cut PM2.5 cyclone, optical sensor capable of producing scattering coefficients dependent on particle size, temperature and humidity sensors for adapting to changes in the environment, and a processing system for applying logic-based algorithm to convert raw sensor values into PM concentrations. The optical sensor is a dual wavelength integrating nephelometer capable of yielding particle characteristic scattering coefficients at two wavelengths. The particle scattering ratios between two wavelengths are used in conjunction with temperature and humidity in the method's algorithm to reduce particle growth bias and to ultimately yield PM2.5 concentrations.

Abstract: A method of planning for an education with the assistance of a single source includes a user communicating with the single source for planning for multiple financial needs for an education, determining various insurance protection plans which are provided by the single source, selecting financing options for the education which are provided by the single source, obtaining spending tools which are provided by the single source, and procuring communications tools which are provided by the single source.

Abstract: A user may obtain self-service financial planning. A comprehensive set of data pertaining to a user is gathered from various sources and analyzed to generate a financial plan. A user may be presented with various financial scenarios based on information provided by the user. The user may perform “what if” analyses to determine prospective financial plans and results based on hypothetical information that the user may provide. A user may be provided with a financial plan and the user may see how the plan changes under various risk tolerances and life event scenarios.

Abstract: Aggregation processes and systems acquire user data from many internal and external sources, such as a host financial institution, external institutions, and publicly available websites and databases. The data aggregation may be used to pre-populate the fields in a questionnaire that would otherwise have to be manually populated by the user. A financial plan based on the data is generated and provided to the user. After presenting the financial plan to the user, additional information may be requested from the user. After the additional information is received, the financial plan may be revised and provided to the user.

Abstract: Disclosed are systems and methods for preparing a financial plan for a military member eligible to receive military benefits. The systems and methods dynamically and automatically access military parameters stored in one or more data records corresponding to the military member. The military parameters, which are indicative of the one or more military benefits received by the military member, are used to develop a customized financial plan, thereby resulting in increased accuracy and consistency to provide an improved experience for the military member.

Abstract: Disclosed are systems and methods for financial planning. The systems and methods communicate with a customer and provide a financial planning service for use with at least one financial planning product by collecting data from a customer using a structured data collection form which is dynamically modified based on the financial product selected, the data provided by the customer, and data relating to the customer that is retrieved from a database.

Abstract: A comprehensive set of data pertaining to a user is gathered from various sources and analyzed. A financial plan is generated and provided to the user. The user may set financial goals and monitor progress towards achieving the goals, and may set and monitor probabilities of success of achieving the goals. The financial plan may take into account the financial goals and probabilities of success, and may be revised to reflect changes in the financial goals and probabilities of success. In an implementation, a user may be provided with information pertaining to how their finances, financial plan, goals, and probabilities of success compare to a selected population group.

Abstract: Disclosed are systems and methods for financial planning. The systems and methods communicate with a customer and provide a financial planning service for use with at least one financial planning product by collecting data from a customer using a structured data collection form which is dynamically modified based on the financial product selected, the data provided by the customer, and data relating to the customer that is retrieved from a database.

Abstract: A battery module includes a plurality of cells arranged in a battery pack. The battery pack includes a first tray configured to receive a first row of cells and a second row of cells. A second tray is provided over the first tray, the first row of cells, and the second row of cells. The second tray is configured to receive a third row of cells and a fourth row of cells. A third tray is provided over the second tray, the third row of cells, and the fourth row of cells. The first row of cells and the second row of cells are arranged between the first tray and the second tray and the third row of cells and the fourth row of cells are arranged between the second tray and third tray.