Abstract: Methods and systems related to long-term health care insurance. Long-term health care insurance policies are priced by stratifying potential purchasers according to risk factors which are explored during the underwriting process. In addition to coverage for long-term care, immediate health care benefits are provided to the purchasers in the form of an interactive health management program. The health management program may include contact between health care advisors and the availability of a wide range of health care services to provide positive health planning and resources to the policyholders. Underwriting and portions of the health management program may be provided through automation to reduce overhead expenses.

Abstract: A superalloy article has a composition consisting essentially of, in weight percent, from about 4 to about 12 percent cobalt, from about 3.5 to about 7 percent tungsten, from about 2 to about 9 percent chromium, from about 0.5 to about 4.5 percent tantalum, from about 5.5 to about 7.5 percent aluminum, from 0 to about 5.5 percent rhenium, from about 0.1 to about 1.2 percent titanium, from 0 to about 3 percent molybdenum, from 0 to about 3 percent ruthenium, from about 0.5 to about 2 percent columbium, about 0.01 percent maximum boron, about 0.07 percent maximum carbon, from about 0.3 to about 1 percent hafnium, about 0.01 percent maximum zirconium, about 0.03 percent maximum yttrium, from 0 to about 0.5 percent vanadium, about 0.01 percent maximum cerium, and about 0.01 percent maximum lanthanum, balance nickel and impurity elements. The article is preferably substantially a single crystal or oriented polycrystal in a shape such as a gas turbine blade.