Abstract: Methods and apparatuses, including computer program products, are described for dynamically determining a set of threshold interest rates associated with a guaranteed life insurance product. A computing device determines an in-effect set of threshold interest rates for the product based on a target profit value for the product and applies the in-effect set of rates to an application for the product upon receipt of the application. The computing device determines periodically whether to modify the in-effect set of rates based on a comparison of an estimated profit value to the target profit value. If the computing device determines that the in-effect set of rates is to be modified, the computing device calculates a modified set of rates and applies the modified set of rates to the application on its issuance date, if the modified set of rates is higher than the set of rates currently applied.

Abstract: A food line cleaner (1) including a pressurised water supply, a hose (12) and a nozzle (13) with the nozzle (13) attached and substantially co-linear to the end of the hose (12). Both hose (12) and nozzle (13) are sized to fit within the food line and receive pressurised water from the water supply. The nozzle includes outlets facing outwardly with at least a portion facing rearwardly to provide a forward displacement force for the hose (12). This force allows self-propelling the hose (12) and nozzle (13) through the food line for cleaning the food line.