Abstract: Methods and apparatuses relating to the provision of credit and financial services. In one embodiment, the present invention provides-user authentication protocols facilitating the electronic delivery of credit reports over a computer network directly to users. According to one embodiment of the invention, a credit report comprises a particular user's credit history and other financial information, and/or a credit rating. Other embodiments of the present invention allow for the provision of services related to consumer and business credit report data.

Abstract: A wheel chart having at least one rigid disk formed by a compact disk which, in addition to having a mirrored or reflective layer capable of carrying reproducible information, has legible matter on an obverse side which cooperates with a member such as a transparent rigid disk which can also bear indicia to enable calculations to be made by relative rotation of the disks.

Abstract: Disclosed is a system and a methodology enabling a first provider party to provide to a second recipient party software and services to enable the recipient party to embed in an Internet e-mail of the recipient party directed to an addressee, an HTML hyperlink file which includes a telecommunication initiating trigger, sending the e-mail to the addressee via the Internet, the addressee upon receiving the e-mail actuating the hyperlink via its trigger and, responsive to the trigger actuation, connecting the addressee via the Internet to a web page located on an Internet server, wherein the web page includes a request for a telephone number of the addressee.

Abstract: An article for the delivery of personal care foams including a package comprising a container having flexible, deformable walls, an opening portion, a first sponge and a foaming composition. The package also includes at least one temperature changing element. The temperature changing element may include an anhydrous reaction, heats of solution, oxidation reactions, crystallization, electro-chemical heaters, zeolite-liquid systems and heats of neutralization. Further, the container may also include a second sponge.

Abstract: Disclosed is a system and a methodology enabling a first provider party to provide to a second recipient party software and services to enable the recipient party to embed in an Internet e-mail of the recipient party directed to an addressee, an HTML hyperlink file which includes a telecommunication initiating trigger, sending the e-mail to the addressee via the Internet, the addressee upon receiving the e-mail actuating the hyperlink via its trigger and, responsive to the trigger actuation, connecting the addressee via the Internet to a web page located on an Internet server, wherein the web page includes a request for a telephone number of the addressee.

Abstract: A wheel chart having at least one rigid disk formed by a compact disk which, in addition to having a mirrored or reflective layer capable of carrying reproducible information, has legible matter on an obverse side which cooperates with a member such as a transparent rigid disk which can also bear indicia to enable calculations to be made by relative rotation of the disks.

Abstract: A wheel chart having at least one rigid disk formed by a compact disk which, in addition to having a mirrored or reflective layer capable of carrying reproducible information, has legible matter on an obverse side which cooperates with a member such as a transparent rigid disk which can also bear indicia to enable calculations to be made by relative rotation of the disks.

Abstract: The present invention relates to a low cost, article for the delivery of personal care foams comprising a package comprising a container having flexible, deformable walls, an opening portion, a first sponge having a density of from about 1.5 to about 3.0 lbs./ft3; an indentation force deflection of from about 40 to about 65 lbs./50 in2; and a porosity of from about 50 pores per inch to about 100 pores per inch; and a second sponge having a density of from about 1.30 to about 2.00 lbs./ft3; an indentation force deflection of from about 40 to about 95 lbs./50 in2; and a porosity of from about 10 pores per inch to about 50 pores per inch; and a foaming composition; wherein the ratio of the combined bulk volume of the sponges to the liquid volume of the foaming composition is from about 2:1 to about 60:1, and wherein the ratio of air volume to liquid volume is about 4:1 to about 100:1.

Abstract: A blind cavity is filled with a predetermined quantity of fine powder from a hopper by bringing the cavity into a position beneath the hopper and causing the predetermined quantity of powder to flow from the hopper into the cavity. The powder is in free flowing agglomerated form and is made to flow from the hopper by subjecting the hopper to vibration, the powder flow being stopped by cessation of vibration when the cavity is filled with the predetermined quantity of powder. An apparatus for carrying out the method is also described.

Abstract: An instructional tool kit which includes a case having a lower section and a lid which can be clasped shut or opened to a convenient angle to expose the inside contents to user viewing. The lower section of the case is compartmentalized for storing selected tools and supplies. The upper section or lid consists of a speaker, a keypad, a light an optional video screen and various electronics including at least one digital signal processing chip. The keypad has a plurality of tasks indicated thereon, each key representing a different task. Upon pressing a key, the internal electronics addresses and plays a selected set of instructions through the speaker or displays the instructions on a video screen, enabling the user to select and apply the correct tool(s) to complete the task. Appropriate pauses, stops, skips, resumptions and instructions are built into the system to be entered by separate keys.

Abstract: A glazed window frame, including a glazing panel set into a frame of channel shaped metal members with an elastomeric sealing material occupying each channel and engaging the two faces of the glass panel, the side flanges of the channel being formed or provided with means to limit or prevent escape of the sealing material from the channel.