Abstract: A system and method of calculating the pricing of credit based on engagement with a driver programme includes receiving data including information relating to the compliance of a driver in a plurality of programme areas related to motor vehicle driver behaviours and storing the data in a database. Points are awarded to the driver wherein the points allocated are related to the compliance of the driver in the programme areas and the points allocated are used as one factor to calculate the pricing of credit for the driver wherein the higher the degree of compliance with the programme the cheaper the pricing of the credit.

Abstract: A system and method of implementing a financial management programme includes defining a plurality of financial management programme areas and receiving data relating to the financial compliance of an individual or organisation in each of the financial management programme areas. The data is stored in a database and then processing the data to determine an award for the individual or organisation based on their financial compliance.

Abstract: A system and method of calculating the pricing of credit based on engagement with a wellness programme includes monitoring the compliance of a person with a wellness programme and storing data relating to the compliance of the person with a wellness programme. The stored wellness data is used as one factor to calculate the pricing of credit wherein the higher the degree of compliance with the wellness programme the cheaper the pricing of the credit.

Abstract: One aspect of the present invention is a liquid packet as packaging for liquid sweetener. The liquid packet has a generally planner or cylindrical construction with seals at appropriate locations. The liquid packet is sized to deliver a sweetness level of at least one teaspoon (1 tsp.) of sugar. Another aspect of the invention is a liquid packet having a pour spout and a tear notch. Preferably, the spout and tear notch are located near a corner of the liquid packet and allows for pouring of the content from the spout after a top section of the packet material is partially torn without completely tearing off a piece of the packet. An optional leak-prevention feature may be provided to prevent the remnants of the liquid from leaking out easily after the packet is opening and not all the liquid is used.