Abstract: Methods and systems for managing an account are disclosed. One method includes storing account information in a plurality of account records associated with different investors. The account information includes investor information, investment information, and a service option tracking entry independent from the investment information. The investment information includes information regarding a no-load mutual fund. The plurality of account records are managed as part of a database managed by a fund administrator. The method also includes receiving a service option message representing a change in a service level associated with the investor, and, in response to receiving the service option message, determining eligibility of the account associated with the investor based, at least in part, on the investment information.

Abstract: The invention is a method of modeling a hydrocarbon reservoir. A parameter value in a set of equations is adjusted so that the output of the equations accurately matches observed sediment erosion and deposition behavior for sediment sizes throughout a range of about 10 microns to about 10 centimeters. An initial condition of a sediment bed in the hydrocarbon reservoir is defined. The equations are applied to the initial condition, wherein outputs of the equations express how a fluid flow affects erosion and deposition of sediments at the initial condition. The initial condition is adjusted based on the equation outputs to create a subsequent sediment bed condition. The equations are re-applied to the subsequent sediment bed condition a pre-determined number of times. The subsequent sediment bed condition is re-adjusted after each re-application of the equations. The model of the hydrocarbon reservoir is created and outputted.