Abstract: In a first aspect of the invention, there is a computer-implemented method including: training, by a computing device, a machine learning (ML) model on a financial data set comprising data on financial behavior applicable to repaying debts; entering, by a computing device, an interaction with a user regarding renegotiating a debt; and generating, by the computing device, a proposed payment plan for the debt, based on user data of the user, and using the ML model trained on the financial data set.

Abstract: A wheel disc includes a wheel mounting portion defining a wheel axis, a plurality of spokes radially extending from the wheel mounting portion, and a rim junction on at least one spoke of the plurality of spokes. The rim junction is at an end of the at least one spoke opposite the wheel mounting portion. A first portion of the rim junction extends in an axial direction. Second and third portions of the rim junction extend in a circumferential direction. The axial direction is parallel to the wheel axis and the circumferential direction is in a plane perpendicular to the wheel axis.

Abstract: A closure for a container having an opening for dispensing fluids contained therein. The closure includes a cap and a pivotable top component moveable between a closed and two opened positions. A pair of dispensing openings are in fluid communication with the associated container. A second dispensing opening and its associated channel has a larger cross section, perpendicular to a flow direction, than a first dispensing opening and its associated channel.

Abstract: A wheel disc comprises a wheel mounting portion defining a wheel axis, a plurality of spokes radially extending from the wheel mounting portion, and a rim junction on at least one spoke of the plurality of spokes. The rim junction is at an end of the at least one spoke opposite the wheel mounting portion. A first portion of the rim junction extends in an axial direction. Second and third portions of the rim junction extend in a circumferential direction. The axial direction is parallel to the wheel axis and the circumferential direction is in a plane perpendicular to the wheel axis.

Abstract: A closure for a container having an opening for dispensing fluids contained therein. The closure includes a cap and a pivotable top component moveable between a closed and two opened positions. A pair of dispensing openings are in fluid communication with the associated container. A second dispensing opening and its associated channel has a larger cross section, perpendicular to a flow direction, than a first dispensing opening and its associated channel.

Abstract: A wheel nut or axle nut for vehicles, having a body, having a central threaded hole, having a peripheral wall, and having an abutment face at a lower side The nut also has a plurality of wrench faces on the peripheral wall of the nut body for tightening or releasing the nut by a tool which cooperates with the wrench faces. In the body at least one recess is provided in which a sensor element is arranged The sensor element is connected to a wireless interface which is configured to transmit a sensor signal of the sensor element wirelessly to an external reception unit.

Abstract: A wheel nut or axle nut for vehicles, having a body, having a central threaded hole, having a peripheral wall, having an abutment face at a lower side, wherein the nut also has a plurality of wrench faces on the peripheral wall of the nut body for tightening or releasing the nut by a tool which cooperates with the wrench faces. In the body at least one recess is provided in which a sensor element is arranged, wherein the sensor element is connected to a wireless interface which is configured to transmit a sensor signal of the sensor element wirelessly to an external reception unit.

Abstract: A wheel disc for a disc wheel, especially for utility vehicles; with an essentially radially extending hub fitting flange and an essentially cylindrical disc edge which can be joined to a wheel rim, and with a transition region extending between the hub fitting flange and the disc edge, wherein the transition region is subdivided into at least five segments (AI to V) passing into each other or into the hub fitting flange or the disc edge, each of which has an outer end situated closer to the hub fitting flange and an inner end situated closer to the disc edge, wherein neighboring segments have curvatures with different directions and variable material thickness, with the ratios of the material thicknesses and the ratio of their lengths to heights are chosen as follows: Ratio of Material Ratio of Length in thickness at axial inner end (di) to direction (La) to Material thickness at Height in radial outer end (da) direction (Hr) First segment AI 0.45-0.7? 0.9-1.

Abstract: A wheel nut or axle nut for vehicles, having a body, having a central threaded hole, having a peripheral wall, having an abutment face at a lower side, wherein the nut also has a plurality of wrench faces on the peripheral wall of the nut body for tightening or releasing the nut by a tool which cooperates with the wrench faces. In the body at least one recess is provided in which a sensor element is arranged, wherein the sensor element is connected to a wireless interface which is configured to transmit a sensor signal of the sensor element wirelessly to an external reception unit.

Abstract: A wheel disc for a disc wheel, especially for utility vehicles; with an essentially radially extending hub fitting flange and an essentially cylindrical disc edge which can be joined to a wheel rim, and with a transition region extending between the hub fitting flange and the disc edge, wherein the transition region is subdivided into at least five segments (Ai to v) passing into each other or into the hub fitting flange or the disc edge, each of which has an outer end situated closer to the hub fitting flange and an inner end situated closer to the disc edge, wherein neighbouring segments have curvatures with different directions and variable material thickness, with the ratios of the material thicknesses and the ratio of their lengths to heights are chosen as follows: Material thickness of Length in axial inner end direction Material thickness of Height in radial outer end direction Segment AI 0.45-0.7? 0.9-1.

Abstract: A nut, or a washer for a nut, in particular a wheel nut or axle nut for vehicles, having a body, having a central threaded hole, having a peripheral wall, having an abutment face at a lower side, wherein the nut also has a plurality of wrench faces on the peripheral wall of the nut body for tightening or releasing the nut by means of a tool which cooperates with the wrench faces. In order to be able to detect the loosening of wheel nuts or axle nuts of vehicles, and to indicate such loosening to a vehicle driver to avoid dangerous situations during driving, there is provided in the body at least one recess in which a sensor element is arranged, wherein the sensor element is connected to a wireless interface which is configured to transmit a sensor signal of the sensor element wirelessly to an external reception unit.