Abstract: A method, system, and computer readable media for offering to the user of a payment vehicle a rewards program personalized to the user and the user's financial goals. A payment vehicle is provided with integrated reserved funds accounts which user can use to save up for large purchases. By designating the purchase for which these funds will ultimately be used, the user can be provided with personalized rewards programs relevant to planned purchases.

Abstract: A method, system, and computer readable media for offering to the user of a payment vehicle a rewards program personalized to the user and the user's financial goals. A payment vehicle is provided with integrated reserved funds accounts which user can use to save up for large purchases. By designating the purchase for which these funds will ultimately be used, the user can be provided with personalized rewards programs relevant to planned purchases.

Abstract: A method to use a smaller or compact size bag or packaging apparatus for pillows designed for sleeping. The technique used is to decrease a pillow's length and height by manipulating a pillow original size, by hand or machine, folding a pillow in half horizontally or vertically to reduce pillow's regular or original shape and size for the purpose of fitting the pillow into a smaller protective package used to transport, protect and display pillow. Compact packaging for pillows is accomplished when a folded pillow is placed into the packaging apparatus, at the pillows reduced size creating a compact method of packaging for pillows to be used in commerce.