Abstract: A process of information certification is provided. The process includes receiving a request from a user, such as an individual, group, or entity, and dividing the categories into two parts. Checking and certification is performed by a Host where possible on existing categories of subject matter. Additional categories are generated for new information to be checked and certified. Certifications are provided for all categories which can be and have been checked. The certification process is continued in the future—either automatically and/or upon request—to include any new information provided by the user or found in regular searches.

Abstract: A process of information certification is provided. The process includes receiving a request from a user, such as an individual, group, or entity, and dividing the categories into two parts. Checking and certification is performed by a Host where possible on existing categories of subject matter. Additional categories are generated for new information to be checked and certified. Certifications are provided for all categories which can be and have been checked. The certification process is continued in the future—either automatically and/or upon request—to include any new information provided by the user or found in regular searches.

Abstract: A method of generating financing comprising selecting a group of private investors and pairing them with an investment grade irrevocable guarantor program. The method includes obtaining a government agreement to cover the irrevocable guarantee in exchange for purchasing a benefit settlement wrap to offset the irrevocable guarantee, if needed. Providing a business with investment funds from said investment grade irrevocable guarantor program and paying investors a profit from sale of said benefit settlement wrap if said business succeeds. Covering said irrevocable guarantee from the same of said benefit wrap if said business fails.

Abstract: A process of resume certification is provided. The process includes receiving a resume from an individual and submitting the resume to a baseline certification to produce a baseline certified resume. The process further includes storing the baseline certified resume in a baseline candidate database. The process includes charging the individual for the baseline certification and storage within the baseline candidate database. The process further includes accepting potential candidate requirements from prospective employers and identifying resumes belonging to relevant candidates from the baseline candidate database. Finally, the process provides the prospective employers with the resumes of such relevant candidates in combination with the baseline certification.

Abstract: An online interactive guided shopping and product evaluation system is disclosed. Translation services can be provided as needed. The business owners participate in a network and have in-store cameras to allow the customers to evaluate the merchandise and to secure additional information. Video conferencing is also available as needed. The camera can be operated by any of the parties in order to better view the store or business or products at issue. Translation services can be provided as needed.