Abstract: A novel system and method for determining a qualified loan applicant is disclosed. In one embodiment, applicant information and potential first liens are compared to determine candidate first liens based on applicant information. Debt-to-income ratio requirement information associated with the candidate first liens is stored. Candidate second liens associated with the candidate first liens are determined, and the debt-to-income ratio of the combination of the candidate first and second liens is determined. Qualifying combinations are determined by comparing the debt-to-income ratio to the stored debt-to-income ratio requirement. In another embodiment, candidate first liens are organized by common characteristics and outputted with associated second liens. Other embodiments, such as optimizations on the system and method, are disclosed herein.

Abstract: A folded structure (and a blank of sheet material) capable of being folded to said structure is provided which structure is an acoustic horn comprising an acoustic horn comprising a tapered structure having a base end and an apex end, the tapered structure being formed from a sheet of foldable material, and comprising a wall member having a plurality of fold lines defining the edges of a plurality of juxtaposed panels, characterised in that at least two of the fold lines (73, 74) are arcuate to form a non-planar panel (55) bound by said arcuate fold lines both base end (51) and apex end (52) being open. The structure provides an inexpensive party product which can easily be shaped in flat form but provides pleasing acoustical properties.