Abstract: A method to increase savings by individuals based upon a percentage or portion of transactions made. In its most basic form, the method allows the participant to elect to have a small amount added to the charge for each non-cash transaction. The method of the present invention incorporates the calculation of a small, savings amount based upon the amount of a qualified transaction. The savings amount is added to the transaction amount to give a total amount for the participant's accounting and statement purposes, but it is not incorporated into the transaction payment. Instead, it is split off and transferred to a designated account that the participant chooses. Additionally, the financial institution, retailer, or other business entities involved in the transaction may elect to make some form of matching contribution to the participant's account as a form of promotion.

Abstract: An improved roof and method wherein each course of slate is underlaid with an interlayment material layer such that the interlayment material acts as a base to the through joints, resulting in a reduction in the amount of slate used by approximately 40% to 50%. The slate meets side to side (the through joint), the underlaying interlayment material providing sufficient waterproofing to protect the roof as well as being of lighter weight and a more economical slate roof than the slate which it replaces.

Abstract: An improved roof and method wherein each course of slate is underlain with an interlayment material layer such that the interlayment material acts as a base to the through joints, resulting in a reduction in the amount of slate used by approximately 40% to 50%. The slate meets side to side (the through joint), the underlaying interlayment material providing sufficient waterproofing to protect the roof as well as being of lighter weight and a more economical slate roof than the slate which it replaces.