Abstract: A portable electronic device includes a housing, a processor supported by the housing, a memory coupled to the processor, and a communications transceiver coupled to the processor. The transceiver is configured to support voice conference calling between more than two parties. A program stored in the memory and running on the processor is configured to provide a user interface on the display which is configured to display indicators representative of the parties on the conference call. The user interface includes the hold area configured to display indicators representative of the parties on hold and an active area configured to display indicators representative of the parties active on the conference call.

Abstract: The present invention discloses a method and system for collecting, standardizing, and analyzing lending data from all the offices of a financial institution, including information on small business, home equity, motor vehicle, credit card, mortgage, other secured and unsecured consumer products for commercial, community development, not-for-profit, and consortium customers. The invention enables data collection and analysis in a timely fashion such that interim reports may be prepared so that changes in lending practices can be implemented to assist with assuring compliance with the fair lending acts. A central repository is linked to all of the offices of the financial institution, and data mapping features are used to provide standardized reporting so that all data will be reported in a standardized form. The system processes, collects and standardizes information on new loans, renewals, credit line increases and application decisions for all of the business units within a financial institution.

Abstract: A cleaning utensil comprises a hollow, liquid-receiving handle (10) having an outlet (38), a cleaning head (12) in registry with the outlet (38) and an actuator (42) provided on the handle (10) for opening and closing the outlet (38), the actuator (42) including a valve member (54) which for opening and closing the outlet (38). The outlet (38) may be provided in a surface which interfaces with a detachable shoe (20) provided with a cleaning or scouring element (34, 36, 25) or elements, the shoe (20) having an aperture (40) which registers with the outlet (38) so as to allow liquid to flow to the cleaning/scouring element(s) (34, 36).

Abstract: System and method for protecting a cooling system of a liquid-cooled engine using a protective material. This system enables a boat operator to flush the cooling system using salt, brackish or fresh water. In one embodiment, the system includes a reservoir, a dispenser and a connection device. The reservoir is capable of containing a protective material that can include, among others properties, anticorrosive properties. The dispenser controls release of the protective material from the reservoir and can be controlled manually or through a control unit. The system is coupled with the cooling system downstream from raw water intake ports and upstream from a terminal end of the cooling system as the cooling system terminates at the exhaust port. The protective fluid can be dispensed using gravity feed or a pump.

Abstract: System and method for protecting a cooling system of a liquid-cooled engine using a protective material. This system enables a boat operator to flush the cooling system using salt, brackish or fresh water. In one embodiment, the system includes a reservoir, a dispenser and a connection device. The reservoir is capable of containing a protective material that can include, among others properties, anticorrosive properties. The dispenser controls release of the protective material from the reservoir and can be controlled manually or through a control unit. The system is coupled with the cooling system downstream from raw water intake ports and upstream from a terminal end of the cooling system as the cooling system terminates at the exhaust port. The protective fluid can be dispensed using gravity feed or a pump.

Abstract: A portable electronic device includes a housing, a processor supported by the housing, a memory coupled to the processor, and a communications transceiver coupled to the processor. The transceiver is configured to support voice conference calling between more than two parties. A program stored in the memory and running on the processor is configured to provide a user interface on the display which is configured to display indicators representative of the parties on the conference call. The user interface includes the hold area configured to display indicators representative of the parties on hold and an active area configured to display indicators representative of the parties active on the conference call.

Abstract: A track address pattern embedded in the servo zones of a storage medium for representing a track address identification having a binary bit length "n". The track addresses pattern embedded in the medium is recoded from a Gray-code representation of the track address identification and has a code rate of n/(n+1), where n.gtoreq.2. The recoded track address pattern (or codeword) is modeled from a Gray-code representation wherein a plurality of bit cells corresponding to a track address of the data storage apparatus are recoded to include a parity bit selected to maintain a selected parity for the track address pattern. More particularly, when a "1" occurs in the same bit cell location in two adjacent track address patterns, then the parity on "1"s up until the same bit cell location is the same for both of the m.sup.th and the (m-1).sup.th track address patterns and for the m.sup.th and the (m+1).sup.th track address patterns. Furthermore, the codewords provide that the bit cells of an m.sup.