Abstract: The present invention presents a business method for facilitating a sale of a receivable for the offsetting of payables. The method for the offsetting of payables and sale of receivables is conducted over a computer network preferably composed of a Web server or main computer, a database server, an array of hard disks for storage, and a transaction server. The owner, best offers, and other information about the receivable are open to inspection for registered users in an on-line auction form of the invention. The buyer and seller of the receivable are kept informed of the status of their accounts via e-mail. Alternatively, the business method provides a method of contact for a potential purchaser of the receivable to contact the posting owner of the receivable and negotiate purchase of the receivable.

Abstract: A collapsible fastener comprises a tubular plastic having a head on one end for bearing against one surface of the work. There is an internally threaded tail portion at the shank end of the sleeve. The shank is slotted to define strips which are notched internally and intermediate the ends. The slots increase in width from their ends to the area of the notches. A screw extends through the sleeve and is devoid of threads intermediate its ends to prevent overtorquing. A radially tapered annulus is positioned atop the sleeve for sealable engagement with the screw head in the assembled condition.