Abstract: A system and method are described for providing on line chat help to an applicant. An application identifier and a chat applet are inserted into a web page. The web page is sent to the applicant. The chat applet is configured to determine based on an event that the applicant could benefit from online chat and, upon such determination, to send a request to a chat server for a connection and to include the application identifier with the request.

Abstract: A method and an apparatus for communication among multiple devices on a data bus with relatively few connections to the bus and reduced logic for enumeration, arbitration, and data flow control is described. A Very Little Multi Master Bus (VLMMB) couples various devices in a bit-rotated manner. When one or more devices seek ownership (control) of the bus, that device raises its assigned bus request line to a predetermined logic (e.g., “1” or “0”). Because there are as many bus request lines as devices, each device can “see” the devices requesting the ownership of the bus. If multiple devices request ownership, the requesting devices determine which one gains ownership by a hierarchical, round-robin, or similar logical decision.

Abstract: A system and method are disclosed for offering credit to an applicant. A plurality of offers are determined using information about the applicant. A displayed offer is displayed and a withheld offer is withheld. An indication that the displayed offer is unacceptable is received and the withheld offer is displayed.