Abstract: A novel system and method for determining a qualified loan applicant is disclosed. In one embodiment, applicant information and potential first liens are compared to determine candidate first liens based on applicant information. Debt-to-income ratio requirement information associated with the candidate first liens is stored. Candidate second liens associated with the candidate first liens are determined, and the debt-to-income ratio of the combination of the candidate first and second liens is determined. Qualifying combinations are determined by comparing the debt-to-income ratio to the stored debt-to-income ratio requirement. In another embodiment, candidate first liens are organized by common characteristics and outputted with associated second liens. Other embodiments, such as optimizations on the system and method, are disclosed herein.

Abstract: Among other things, a method that includes (1) enabling an insurance carrier to create and maintain, on a server, product information that characterizes insurance products that are distributed by the insurance carrier through an employer to employees, (2) enabling retrieval at the server of employee information about the employees that is under control of the employer, and (3) enabling employees who are members with respect to the products of the insurance carrier to access the server to obtain answers to questions based on the product information and the employee information.