Abstract: Platform-agnostic digital assistant methods and apparatuses are provided. The apparatuses and methods include a processor configured by a memory to receive user data from a storage containing informational contents. The processor is configured to establish a communication channel with an entity and utilize the communication channel to receive first information related to a user. The processor is configured to extract at least one user datum from the first information and modify the informational contents of the storage based on at least one of the user datum and the first information. The processor is further configured to initiate an action related to the user based on at least one of the first information, the user datum, and the informational contents.

Abstract: Systems and methods for administering a workers' compensation (WC) claim include a non-transitory, tangible computer-readable storage medium including a WC claim processing program bearing instructions for performing a settlement strategy for WC claims. A processor is configured to execute the WC claim processing program. The WC claim processing program includes a Cost of Waiting (COW) calculating module configured to calculate a COW for a predetermined period of time after an Arrival of a Settlement Opportunity (ASO) of each of the population of seasoned WC claims using the seasoned WC claim financial data and a machine learning module configured to conduct a regression analysis of the population of seasoned WC claims to determine a WC claim characteristic comprising an adversely-developing predictor that the COW of an open WC claim will more likely develop adversely when the corresponding WC claim characteristic data of the open WC claim matches the adversely-developing predictor.

Abstract: Systems and methods for administering a workers' compensation (WC) claim include a non-transitory, tangible computer-readable storage medium including a WC claim processing program bearing instructions for performing a settlement strategy for WC claims. A processor is configured to execute the WC claim processing program. The WC claim processing program includes a Cost of Waiting (COW) calculating module configured to calculate a COW for a predetermined period of time after an Arrival of a Settlement Opportunity (ASO) of each of the population of seasoned WC claims using the seasoned WC claim financial data and a machine learning module configured to conduct a regression analysis of the population of seasoned WC claims to determine a WC claim characteristic comprising an adversely-developing predictor that the COW of an open WC claim will more likely develop adversely when the corresponding WC claim characteristic data of the open WC claim matches the adversely-developing predictor.

Abstract: An N-way RF/microwave power divider/combiner utilizes one input and N outputs, or conversely N inputs and one output to divide (or combine) RF/microwave power while simultaneously and non-invasively measuring reflected power present due to mismatched loads or other failed components. The Gysel divider/combiner technique is used with the addition of N temperature measuring devices placed directly on the N isolation loads separated from the main divider/combiner lines. Because of high isolation between the N channels of the divider/combiner, the temperature above ambient of each isolation load is strongly correlated to the amount of power reflected back to an output port. The temperature is sensed external to the RF circuit whereby a measure of reflected power can be made without the use of invasive directional-coupler techniques. This is highly advantageous since directional-coupler techniques would increase the insertion-loss, cost, and complexity of the divider/combiner.