Abstract: Apparatus and methods for configuring a master financial account providing comprehensive access to financial services are provided. A master account may be configured for a customer of a financial institution. The master account holder may build a customized array of financial services which may be accessed and managed through the master account. Benefits associated with use of a sub-account may accrue collectively in the master account.

Abstract: Apparatus and methods for providing an online financial social network service to a user. The method may include storing in a computer information about a financial goal of a first user. The method may additionally include receiving instructions to present a display reflecting the stored financial goal information. The method may also include authenticating a second user to access the first user online financial social network account.

Abstract: A method for providing a lifestage insurance product for a customer includes receiving an insurance allocation for each of a plurality of lifestages. The plurality of lifestages includes a first lifestage and a second lifestage. Insurance coverage of a first lifestage is provided for the customer in accordance with the insurance allocation of the first lifestage. The insurance coverage from the insurance allocation for the first lifestage is shifted to the insurance allocation for the second lifestage upon determining a shift in lifestages has occurred.

Abstract: Apparatus and methods for configuring a flexible pension account are provided. A flexible pension account may be offered as a product of a financial institution. Terms governing contribution of funds to the account, distribution of funds from the account, modifications to the account and management of the account may be chosen to create an account customized toward individual customer needs. The flexibility within the account design allows for unequal contributions from a variety of contributors as well as unequal distributions to a variety of beneficiaries. The flexible design may be combined, in certain embodiments, with tax-deferred growth and a minimum income guarantee. Account management and modification may be in the hands of an account administrator.

Abstract: A neutralizing epitope is identified within amino acids 40-64 of the mature form of human myostatin. Antibodies that bind this epitope with high affinity preferentially bind GDF-8 over GDF-11 and may be chimeric, humanized or fully human antibodies, immunoconjugates of the antibodies or antigen-binding fragments thereof. The antibodies of the invention are useful for increasing muscle mass, increasing hone density, or for the treatment of various disorders in mammalian and avian species.

Abstract: A neutralizing epitope is identified within amino acids 40-64 of the mature form of human myostatin. Antibodies that bind this epitope with high affinity preferentially bind GDF-8 over GDF-11 and may he chimeric, humanized or fully human antibodies, immunoconjugates of the antibodies or antigen-binding fragments thereof. The antibodies of the invention are useful for increasing muscle mass, increasing hone density, or for the treatment of various disorders in mammalian and avian species.

Abstract: Anti-myostatin antibodies are identified that are characterized as having high affinity and may be chimeric, humanized or fully human antibodies, immunoconjugates of the antibodies or antigen-binding fragments thereof. The antibodies of the invention are useful for increasing muscle mass, increasing bone density, or for the treatment of various disorders in mammalian and avian species.

Abstract: A neutralizing epitope is identified within amino acids 40-64 of the mature form of human myostatin. Antibodies that bind this epitope with high affinity preferentially bind GDF-8 over GDF-11 and may be chimeric, humanized or fully human antibodies, immunoconjugates of the antibodies or antigen-binding fragments thereof. The antibodies of the invention are useful for increasing muscle mass, increasing bone density, or for the treatment of various disorders in mammalian and avian species.

Abstract: Anti-myostatin antibodies are identified that are characterized as having high affinity and may be chimeric, humanized or fully human antibodies, immunoconjugates of the antibodies or antigen-binding fragments thereof. The antibodies of the invention are useful for increasing muscle mass, increasing bone density, or for the treatment of various disorders in mammalian and avian species.

Abstract: Anti-myostatin antibodies are identified that are characterized as having high affinity and may be chimeric, humanized or fully human antibodies, immunoconjugates of the antibodies or antigen-binding fragments thereof. The antibodies of the invention are useful for increasing muscle mass, increasing bone density, or for the treatment of various disorders in mammalian and avian species.

Abstract: A neutralizing epitope is identified within amino acids 40-64 of the mature form of human myostatin. Antibodies that bind this epitope with high affinity preferentially bind GDF-8 over GDF-11 and may be chimeric, humanized or fully human antibodies, immunoconjugates of the antibodies or antigen-binding fragments thereof. The antibodies of the invention are useful for increasing muscle mass, increasing bone density, or for the treatment of various disorders in mammalian and avian species.

Abstract: The present invention relates to a method for dosing and dispensing a laundry detergent, preferably a liquid laundry detergent, into a washing machine comprising the steps of: i) measuring a dose of laundry detergent into a dosing and dispensing device (10) comprising a hollow cavity defined by a base (11) and side-walls (12), wherein the base (11) and/or side walls (12) are at least partly covered by a sleeve (20), and wherein the sleeve (20) comprises a film of material comprising printed indicia (21) thereupon, wherein the printed indicia (21) are resistant to removal from the film when the dosing and dispensing device (10) is exposed to wash conditions inside a washing machine; ii) placing both the laundry and the dosing and dispensing device containing laundry detergent into a washing machine, and running the washing machine on a selected cleaning cycle; and iii) subsequently reusing the dosing and dispensing device (10) for steps i) and ii).

Abstract: A system is described using a fuel quality sensor for controlling various aspects of engine operation. In particular, an acoustic wave sensor is utilized to measure viscosity and density of gasoline fuels. This measurement is utilized to predict engine combustion quality during an engine start. Based on the prediction, the method adjusts engine operating parameters (such as fuel injection amount and ignition timing) to achieve improved vehicle driveability and engine combustion.

Abstract: The present invention is primarily directed to an appliance suitable for refreshing/cleaning cloth items in a refreshing/cleaning cycle, said appliance comprising a collapsible or expandable container that is made from a material that defines an interior void space, a container opening, a humidity provider, a heating element, at least one vent and/or filter, and an air circulation device, wherein said appliance further comprises a device to prevent accidental opening of the appliance's container by the user while a refreshing/cleaning cycle is running.

Abstract: Isolated nucleic acid molecules encoding polypeptides from a human, reagents related thereto (including purified polypeptidesspecific antibodies) are provided. Methods of using said reagentsand diagnostic kits are also provided.

Abstract: The present invention provides nucleic acid sequences encoding novel human proteins. These novel nucleic acids are useful for constructing the claimed DNA vectors and host cells of the invention and for preparing the claimed recombinant proteins and antibodies that are useful in the claimed methods and medical uses.

Abstract: The present invention is primarily directed to an appliance suitable for refreshing/cleaning cloth items in a refreshing/cleaning cycle, said appliance comprising a collapsible or expandable container that is made from a material that defines an interior void space, a container opening, a humidity provider, a heating element, at least one vent and/or filter, and an air circulation device, wherein said appliance further comprises a means to prevent accidental opening of the appliance's container by the user while a refreshing/cleaning cycle is running.

Abstract: The present invention provides a package for dispensing tablets. The package comprises a dispensing opening. The dispensing opening comprises a hinged spout. The hinged spout enables the dispensing of the tablets from within the package in its open position. The hinged spout engages with the rest of the package in its closed position. The engagement between the hinged spout and the package comprises a hook and holder whereby the hook is flexibly and resiliently deflected from its rest position to engage with and to disengage from the holder. The hook is provided with reinforcing means located adjacent the hook so that the resiliency of the hook is enhanced by the reinforcing means for the engagement with and the disengagement from the holder.

Abstract: A new and improved flashlight including a cylindrical interior container having a cylindrical side wall of a first diameter terminating in a circular interior face and an open exterior face forming a chamber therein and a battery positioned within the chamber. The flashlight also includes a closure for the interior container with a central aperture for receiving a light bulb and with a parabolic reflector surrounding the light bulb and a transparent covering thereover. Also included as a component of the flashlight is an exterior container surrounding the primary container and a portion of the closure. The exterior container is flexible and of a size greater than that of the interior container. Lastly included is a quantity of particles located in the space between the interior container and the exterior container adapted to allow the exterior container.