Abstract: A process by which to examine and clarify responsibilities between counter-parties in a fiduciary, contractual or other relationship which entails legal responsibilities, obligations and potential liabilities by determining knowledge of and competency regarding the nature of the relationship using performance scores from a psychometric testing instrument to determine whether individuals or groups understand said relationship.

Abstract: A process by which a psychometric test is embedded within the sequence of steps for completing an e-commerce transaction, determining knowledge of and competency regarding the product or service offering, using performance scores from a psychometric testing instrument to determine whether individual or group self-selectors understand the risks of their e-commerce choices. The purpose of inserting the psychometric test as a condition for limiting, expanding, restricting, or recommending a certain array of choices is to appropriately exercise fiduciary oversight and, in so doing, reduce or eliminate fiduciary and/or other forms of liability for the vendor, provider, distributor or other party offering products, services, and/or access to content or any other form of digital media. As an individual's score increases on the test, a larger array of choices become available allowing greater opportunity for e-commerce product, service or advise customization.

Abstract: A process for enrolling individual participants in financial products or services or a means of determining knowledge of and competency regarding service provider advice using performance scores from a psychometric testing instrument to determine whether individual participants understand the risks of their choices. As an individual's score increases on the test, a larger array of choices become available allowing greater opportunity for financial product, service or advise customization. This screening process benefits the individual by limiting choices where risks are not properly understood. Additionally, the use of the test as a screener to curtail unsuitable choices affords investment custodians, investment advisors or other providers a mechanism to demonstrate that they have properly exercised their fiduciary duty.

Abstract: A process for enrolling individual participants in financial products or services or a means of determining knowledge of and competency regarding service provider advice using performance scores from a psychometric testing instrument to determine whether individual participants understand the risks of their choices. As an individual's score increases on the test, a larger array of choices become available allowing greater opportunity for financial product, service or advise customization. This screening process benefits the individual by limiting choices where risks are not properly understood. Additionally, the use of the test as a screener to curtail unsuitable choices affords investment custodians, investment advisors or other providers a mechanism to demonstrate that they have properly exercised their fiduciary duty.

Abstract: A process for enrolling individual participants in compensation and employee benefit plans using performance scores from a psychometric testing instrument to determine whether individual participants understand the risks of their plan choices. As an individual's score increases on the test, a larger array of plan choices become available allowing greater opportunity for plan customization. This screening process benefits the individual plan participant by limiting plan choices where risks are not properly understood. Additionally, the use of the test as a screener to curtail unsuitable plan choices affords plan sponsors a mechanism to demonstrate that they have properly exercised their fiduciary duty.

Abstract: Alkaline compositions useful to form aqueous paint stripping solutions are disclosed which comprise mixtures of an alkali metal hydroxide, a polyoxyalkylene polyamine accelerator and, optionally, a glycol or glycol ether accelerator.

Abstract: Alkaline compositions useful to form aqueous paint stripping solutions are disclosed which comprise mixtures of an alkali metal hydroxide, a polyoxyalkylene polyamine accelerator and, optionally, a glycol or glycol ether accelerator.

Abstract: Slag buildup in high-temperature areas of a furnace system is minimized by adding to the molten ash particles carried by the flue gas a conditioner which is taken up by those molten particles and produces a nucleating effect when those particles cool, causing them to solidify more rapidly, thereby preventing deposit formation or resulting in considerably more friable deposits.

Abstract: The collection characteristics of particles entrained in a particle-laden gas for separation by the commonly used methods for removing particles from a gas stream are improved by injecting into the gas stream a conditioning agent comprising diammonium phosphate and urea. The conditioning agent can be added to the gas stream either at low temperatures or at high temperatures, in both cases giving rise to significant improvements in emission characteristics. The additive of the present invention has a very significant advantage over prior art additives of substantially equal emission improvement characteristics of greatly reducing or substantially eliminating buildup of hard-to-remove deposits.