Abstract: A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data.

Abstract: A method includes receiving market data associated with an investment product that specifies a first guaranteed annual withdrawal amount and a second guaranteed annual withdrawal amount, where the first guaranteed annual withdrawal amount is greater than the second guaranteed annual withdrawal amount. The method includes automatically selecting a guaranteed annual withdrawal amount from the first guaranteed annual withdrawal amount and the second guaranteed annual withdrawal amount based on at least an evaluation of the market data.

Abstract: The invention provides, in one aspect, a method of administering a product comprising beta glucan, soy protein, phytosterols, and an omega-3 fatty acid, such as one or more of DHA and EPA, to improve cardiovascular risk factors, such as LDL levels or total cholesterol levels. The amount of each of beta glucan, soy protein, phytosterols, and omega-3 fatty acids is selected from the amount providing the beneficial health effects associated with the health claims for these compositions or ingredients. Methods of making nutritional health bars and food ingredients that comprise the same compositions and ingredients in effective amounts that are shelf-stable are also disclosed.

Abstract: The invention provides, in one aspect, a method of administering a product comprising a cacao solids-containing, cocoa powder or extract containing cocoa polyphenols to improve endothelial function. The sugar-free compositions and methods of using them exhibit synergistically improved cardiovascular benefits compared to other compositions. Preferred sugar-free chocolate products and cocoa beverages are also disclosed.

Abstract: An infant stroller having a fold latch mechanism to lock the stroller in the unfolded or deployed configuration. The side of the stroller contains a latchkey piece having a pocket-like recess that engages a latchpin on the stroller's front leg. When the latchkey is in the locked position, the front legs are held in place, locking the stroller in the unfolded or deployed configuration. When the latchkey is disengaged from the latchpin on the front leg, the front leg can be rotated to allow the stroller to be folded for storage or transport. The stroller also has a latching mechanism for locking the tray unit in place during normal use. The tray unit becomes unlocked and can be tucked away during the folding process.