Abstract: A financial advisory system and a user interface for such a system are provided. According to one embodiment, information regarding a retirement income goal of an individual is received. Multiple input values for corresponding decision variables are also received. The decision variables include an indication regarding a target retirement age for the individual, an indication regarding anticipated monetary contributions directed toward the retirement income goal and an indication regarding the individual's risk tolerance. A probability distribution dependent upon the decision variables is generated based on simulated market return scenarios and representing a set of possible future portfolio values based on the plurality of inputs.

Abstract: A financial advisory system is described that facilitates planning regarding financial goals, such as retirement. According to one embodiment, a method of forecasting a future value of a financial product holding is provided. Exposure analysis is performed on a financial product in which an investor holds an interest to determine how the financial product behaves relative to a set of asset classes. A forecast is generated for the financial product holding at a configurable time horizon based on forward-looking scenarios of one or more asset classes of the set of asset classes. Based on the forecast, information is directly or indirectly caused to be presented regarding a projected value of the financial product holding at the configurable time horizon.

Abstract: A financial advisory system is provided. According to one aspect of the present invention, return scenarios for optimized portfolio allocations are simulated interactively to facilitate financial product selection. Return scenarios for each asset class of a plurality of asset classes are generated based upon estimated future scenarios of one or more economic factors. A mapping from each financial product of an available set of financial products onto one or more asset classes of the plurality of asset classes is created by determining exposures of the available set of financial products to each asset class of the plurality of asset classes. In this way, the expected returns and correlations of a plurality of financial products are generated and used to produce optimized portfolios of financial products. Return scenarios are simulated for one or more portfolios including combinations of financial products from the available set of financial products based upon the mapping.

Abstract: A system for heat-shrinking a film onto an open-topped container is provided, including at least one reflective cup having a reflective interior surface, and at least one radiant energy source. The reflective cup and the radiant energy source may be rotationally mounted. The interior surface of the reflective cup has at least an elliptical portion and a parabolic portion.

Abstract: A financial advisory system and a user interface for such a system are provided. According to one embodiment, information regarding a retirement income goal of an individual is received. Multiple input values for corresponding decision variables are also received. The decision variables include an indication regarding a target retirement age for the individual, an indication regarding anticipated monetary contributions directed toward the retirement income goal and an indication regarding the individual's risk tolerance. A probability distribution dependent upon the decision variables is generated based on simulated market return scenarios and representing a set of possible future portfolio values based on the plurality of inputs.

Abstract: A portfolio optimization process that diversifies model risk by favoring a more diversified portfolio over other portfolios with similar characteristics is provided. According to one aspect of the present invention, an intelligent search is performed for a diverse portfolio that meets a predetermined diversity budget. An initial portfolio is determined based upon an available set of financial products. The cost associated with more diversified portfolios compared to the initial portfolio is considered and one of the more diversified portfolios is selected that has an associated cost that is less than or equal to the predetermined diversity budget.

Abstract: A system for heat-shrinking a film onto an open-topped container is provided, including at least one reflective cup having a reflective interior surface, and at least one radiant energy source. The reflective cup and the radiant energy source may be rotationally mounted. The interior surface of the reflective cup has as least an elliptical portion and a parabolic portion.

Abstract: A method and an apparatus for a user interface for a financial advisory system is provided. According to one embodiment of the invention, a set of one or more input objects and a set of output values are displayed. The input objects include an indication of a target retirement age, an indication of a target level of investment risk, and an indication of a retirement income goal. The output values include an indication of the probability of achieving the retirement income goal and an indication of the most likely retirement income in current dollars. After updated values for the input decisions are received via one or more of the input objects, one or more new output values are determined based upon the updated input decisions. The set of output values is then refreshed to reflect the one or more new output values.

Abstract: A financial advisory system is provided. According to one aspect of the present invention, return scenarios for optimized portfolio allocations are simulated interactively to facilitate financial product selection. Return scenarios for each asset class of a plurality of asset classes are generated based upon estimated future scenarios of one or more economic factors. A mapping from each financial product of an available set of financial products onto one or more asset classes of the plurality of asset classes is created by determining exposures of the available set of financial products to each asset class of the plurality of asset classes. In this way, the expected returns and correlations of a plurality of financial products are generated and used to produce optimized portfolios of financial products. Return scenarios are simulated for one or more portfolios including combinations of financial products from the available set of financial products based upon the mapping.

Abstract: A method has been developed to detect the levels of apolipoproteins A-1 and B in saliva, which is correlated with the levels of HDL and LDL in serum, respectively. In unstimulated saliva, the ration of Apo A to Apo B is correlated with the ration of HDL to LDL in serum. Albumin can be used to normalize the sample for dilution. The high degree of correlation in combination with a simple, quick test that can be performed at the site of collection provides a cost effective, patient friendly means to monitor an individual's risk of heart disease. In the preferred embodiment, saliva production is stimulated by means such as breath mint or tart solution (such as lemon) and the effect of dilution controlled by reference to albumin.

Abstract: A variable speed maximal torque transmission includes a planetary gear set made up of a peripheral ring gear enmeshing multiple planet gears. A sun gear simultaneously engages the planet gears. A carrier operative as a transmission output is in mechanical communication with the planetary gear set. The carrier is operative to power a drive wheel of a vehicle. A main motor is in mechanical drive communication with the sun gear and an auxiliary motor drives the peripheral ring gear.

Abstract: A modular rotational assembly is providing having an upper plate and at least one radiant energy source. The modular rotational assembly may have at least two radiant energy sources. The modular rotational assembly may also include at least one reflective cup, wherein the radiant energy source is located within the reflective cup. The modular rotational assembly may also include a web cutter. The web cutter may include at least one cutting member and at least one wheel assembly.

Abstract: A container centering device is provided including an entry plate having an opening and a container positioning means, wherein the container positioning means is capable of positioning a container in the entry plate opening. In addition, the container positioning means is capable of positioning a first container and at least a second container in the entry plate opening, wherein the first and second containers have different brim diameters.

Abstract: A container positioning device is provided including an lower plate having an opening and a container positioning means, wherein the container positioning means is capable of positioning a container in the lower plate opening. In addition, the container positioning means is capable of positioning a first container and at least a second container in the lower plate opening, wherein the first and second containers have different brim diameters.

Abstract: A web cutter is provided comprising an at least one wheel assembly. The wheel assembly includes a wheel housing and at least two wheel members. A cutting member is disposed between the wheel members, wherein the wheel assembly has a first position wherein the cutting member does not extend below the wheel members and a second position wherein the cutting member extends below the wheel members. The web cutter may include an upper plate having a receiving hole, and the wheel assembly may include a post that is in slideable communication with the upper plate receiving hole. The cutting member may be in fixed communication with the upper plate.

Abstract: A system for heat-shrinking a film onto an open-topped container is provided, including at least one reflective cup having a reflective interior surface, and at least one radiant energy source. The reflective cup and the radiant energy source may be rotationally mounted. The interior surface of the reflective cup has as least an elliptical portion and a parabolic portion.

Abstract: The present invention entails methods and kits for carrying them out based on the discovery that an RNA replicase, such as Q&bgr; replicase, has DNA-dependent RNA polymerase (“DDRP”) activity with nucleic acid segments, including DNA segments and DNA:RNA chimeric segments, which comprise a 2′-deoxyribonucleotide or an analog thereof and which have sequences of RNAs that are autocatalytically replicatable by the replicase.

Abstract: A portfolio optimization process that diversifies model risk by favoring a more diversified portfolio over other portfolios with similar characteristics is provided. According to one aspect of the present invention, an intelligent search is performed for a diverse portfolio that meets a predetermined diversity budget. An initial portfolio is determined based upon an available set of financial products. The cost associated with more diversified portfolios compared to the initial portfolio is considered and one of the more diversified portfolios is selected that has an associated cost that is less than or equal to the predetermined diversity budget.

Abstract: A method has been developed to detect the levels of apolipoproteins A-1 and B in saliva, which is correlated with the levels of HDL and LDL in serum, respectively. In unstimulated saliva, the ratio of Apo A to Apo B is correlated with the ratio of HDL to LDL in serum. Albumin can be used to normalize the sample for dilution. The high degree of correlation in combination with a simple, quick test that can be performed at the site of collection provides a cost effective, patient friendly means to monitor an individual's risk of heart disease. In the preferred embodiment, saliva production is stimulated by means such as breath mint or tart solution (such as lemon) and the effect of dilution controlled by reference to albumin. In the most preferred embodiment, the assay is an ELISA assay performed using the Serex laminated strip format as described in U.S. Pat. Nos. 5,710,009, 5,500,375, and 5,451,504. These strips are advantageous since they serve as the collection and assay device.

Abstract: The present invention entails methods, and kits for carrying them out, based on the discovery that an RNA replicase, such as Q&bgr; replicase, has DNA-dependent RNA polymerase (“DDRP”) activity with nucleic acid segments, including DNA segments and DNA:RNA chimeric segments, which comprise a 2′-deoxyribonucleotide or an analog thereof and which have sequences of RNAs that are autocatalytically replicatable by the replicase. The discovery of this DDRP activity provides methods of the invention for nucleic acid amplification wherein a nucleic acid, with a DNA segment with the sequence of an RNA that is autocatalytically replicatable by an RNA replicase, is provided as a substrate for the replicase. The replicase catalyzes synthesis, from the DNA segment, of the RNA, which the replicase then autocatalytically replicates. The invention entails use of the amplification methods in detecting nucleic acid analytes, as in nucleic acid probe hybridization assays.