Abstract: Formulations for topical compositions which may be used to deliver drugs. The formulations may be used with a wearable drug delivery device for transdermal delivery. The composition may comprise a clay carrier such as kaolin and/or halloysite, loaded with one or more target compositions. The composition may comprise about 5 to about 15 percent by weight kaolin; about 5 to about 15 percent by weight oil carrier; about 2 to about 3 percent by weight essential oil; about 6.5 to about 26 percent by weight emollient; about 15 to about 20 percent by weight aloe vera barbadensis juice gel; about 0.9 percent to about 5 percent by weight thickening agent; about 0.1 percent to about 5 percent by weight stabilizer; about 2 percent to about 8 percent by weight surfactant; about less than 1 percent by weight target compound; about 0.35 to about 1.8 percent by weight preservative; and about 1 percent to about 5 percent by weight water.

Abstract: The system and method of the present invention removes barriers that undermine efficient risk-management. The invention prioritizes consumers by predicting their unmet demand for risk protection. Once deemed eligible, consumers are enrolled and funds are allocated to the payment of a premium for income insurance, contribution to a financial vehicle such as a savings or investment product, and payment of a premium for savings loss insurance. Active participants are eligible for income protection in case of job loss, systematic savings and ownership of public equities, principal protection and incentives based on utilization. The system and method of the present invention is calibrated on an ongoing basis to the behaviors of target consumers.

Abstract: The system and method of the present invention removes barriers that undermine efficient risk-management. The invention prioritizes consumers by predicting their unmet demand for risk protection. Once deemed eligible, consumers are enrolled and funds are allocated to the payment of a premium for income insurance, contribution to a financial vehicle such as a savings or investment product, and payment of a premium for savings loss insurance. Active participants are eligible for income protection in case of job loss, systematic savings and ownership of public equities, principal protection and incentives based on utilization. The system and method of the present invention is calibrated on an ongoing basis to the behaviors of target consumers.

Abstract: The system and method of the present invention removes barriers that undermine efficient risk-management. The invention prioritizes consumers by predicting their unmet demand for risk protection. Once deemed eligible, consumers are enrolled and funds are allocated to the payment of a premium for income insurance, contribution to a financial vehicle such as a savings or investment product, and payment of a premium for savings loss insurance. Active participants are eligible for income protection in case of job loss, systematic savings and ownership of public equities, principal protection and incentives based on utilization. The system and method of the present invention is calibrated on an ongoing basis to the behaviors of target consumers.

Abstract: The system and method of the present invention removes barriers that undermine efficient risk-management. The invention prioritizes consumers by predicting their unmet demand for risk protection. Once deemed eligible, consumers are enrolled and funds are allocated to the payment of a premium for income insurance, contribution to a financial vehicle such as a savings or investment product, and payment of a premium for savings loss insurance. Active participants are eligible for income protection in case of job loss, systematic savings and ownership of public equities, principal protection and incentives based on utilization. The system and method of the present invention is calibrated on an ongoing basis to the behaviors of target consumers.