Abstract: An interest-bearing financial instrument kit is provided comprising a travelers check having a format for the entry and collection of interest due on the check, and a calculator for the calculation of the interest due on the check. The calculator comprises a first and second flat, circular, planar member concentrically affixed to each other at their centers to allow rotation of each member with respect to each other and having concentrically aligned scales representing the total value of the check relative to the time elapsed from date of purchase to date of redemption, and representing the face value of the check, whereby the second member can be rotated relative to the first member to visually obtain the total value of the travelers check when cashed.

Abstract: In a composite frozen confection product having ice confection material in contact with a layer of fat-based coating confection comprising a suspension of flavoring and sweetening solids in a fat component, the improvement wherein the fat component of the coating confection has:(a) a solids content index in each of the following ranges:70-93% at -20.degree. C.;65-93% at -10.degree. C.;55-90% at 0.degree. C.;15-40% at 20.degree. C.;0-12% at 30.degree. C.; and0% at 40.degree. C.;(b) a slip melting point in the range 23.degree. C. to 32.degree. C.;(c) a viscosity at 40.degree. C. .eta..sub.100 of at least 35 centipoise, and a viscosity at 40.degree. C. .eta..sub.CA of at least 30 centipoise; and wherein the coating confection contains 30-70% by weight of the fat component and has a viscosity at 40.degree. C. of .eta..sub.3 at least 25 poise; .eta..sub.100 at least 2.0 poise and .eta..sub.CA at least 2.2 poise.

Abstract: A composite frozen confection comprising an ice confection in contact with a layer of fat-based confectionery, said confectionery being a suspension of sweetening and flavoring solids in an edible fat, wherein the edible fat includes a fat composition which is an interesterified mixture of about 75% to 90% of a lauric acid or oil and about 10% to 25% of a non-lauric oil having(a) solids content index (SCI) values (%) in each of the following ranges:70-93 at -20.degree. C.65-93 at -10.degree. C.55-90 at 0.degree. C.15-40 at 20.degree. C.0-12 at 30.degree. C. and,0 at 35.degree. C.;(b) slip melting point in the range 23.degree.-32.degree. C., and(c) a brittleness time of at least 45 seconds.

Abstract: A composite frozen confection containing a layer of ice confection and a layer or coating of fat based confectionery having suspended therein flavoring and sweetening solids wherein the fat composition has a SCI of:70-93 at -20.degree. C.60-93 at -10.degree. C.55-90 at 0.degree. C.15-40 at 20.degree. C.0-12 at 30.degree. C.0 at 40.degree. C.A slip melting point in the range of 25.degree.-45.degree. C., and a coating pliability parameter of at least 3. The frozen confection may also include a dry confection such as a wafer wherein the fat based confection separates the ice confection from such dry confection.

Abstract: Composite confection of a biscuit or wafer with a frozen confection the biscuit or wafer having a converture of a sweetened fat-containing composition having a slip M.P in the range of 27.degree.-34.degree. C. and a viscosity at 46.degree. C. of N.sub.3 at 10 poise, N.sub.100 at least 2.0 poise, and N.sub.CA at least 1.2 poise.

Abstract: Hard fat replacers, particularly for cocoa-butter, are provided comprising mixtures of mid-fraction from palm oil and at least 85% pure SOS, POS or SOS/POS. SOS is 1,3-distearyl-2-oleyl glycerol and POS is 1-palmityl-2-oleyl-3-stearyl glycerol. Using these hard fat replacers hardened milk chocolate and plain chocolate suitable for tropical use can be prepared as well as excellent normal plain and milk chocolates.

Abstract: Chocolate is provided containing a hard fat comprising a mixture of a natural, high POP/POS/SOS-fat and a narrowly defined SOS/POS-fat. The hard fat lies within an area defined in FIG. 18, 19 or 20; in the absence of the SOS/POS-fat, the hard fat lies outside the area. Particular mixtures are also claimed for use as hard fats. Palm mid-fraction is a preferred natural, high POP/POS/SOS-fat.