Abstract: A dispenser for wipes materials and for enabling convenient dispensing of wipes from a roll. At least one side port with a cap is provided to enable the removing of a wipe. An orifice within the port may frictionally engage the wipes. A curved barrier sheet of material between the wipes roll and the dispenser body aids in loading a replacement roll of wipes into the dispenser. The barrier sheet is has an opening for a wipe to pass. The dispenser is refillable through a removable end. Axial spindles suspend the roll for rotation within the dispenser. A spool for use with the dispenser has linearly disposed channels on an outer surface to reduce adhesion with some materials and to improve frictional engagement with others.

Abstract: A dispenser for wipes materials and for enabling convenient dispensing of wipes from a roll. At least one side port with a cap is provided to enable the removing of a wipe. An orifice within the port may frictionally engage the wipes. A curved barrier sheet of material between the wipes roll and the dispenser body aids in loading a replacement roll of wipes into the dispenser. The barrier sheet is has an opening for a wipe to pass. The dispenser is refillable through a removable end. Axial spindles suspend the roll for rotation within the dispenser. A spool for use with the dispenser has linearly disposed channels on an outer surface to reduce adhesion with some materials and to improve frictional engagement with others.

Abstract: A game that serves to educate a player about the decision making process for determining the cost of a premium for insurance coverage for an entity. The player(s) and/or team(s) select a fictitious name for an insurance company. The company can subsequently bid on providing insurance coverage for an entity. Several rounds of bidding on insurance premiums for providing insurance coverage to an entity can be played before determining a winner of the game. A round consists of a player(s) and/or team(s) bidding on the amount to charge for an insurance premium to insure the entity for a particular period of time, such as one year. The winner of a round is the insurance company (player/team) that provides the lowest bid for the insurance premium for the particular period of time.