Abstract: A method of electronically calculating a cost of funding an acceptable retirement of an individual includes: receiving consumption data corresponding to a current or intended level of financial consumption of the individual; calculating a required annual income of the individual based on received consumption data of the individual; receiving portfolio data corresponding to a balance of a retirement portfolio of the individual; retrieving cost data corresponding to costs of annuity products purchased at a plurality of ages of the individual; plotting an estimated future balance of the retirement portfolio of the individual at an assumed rate of return against a plurality of ages of the individual; plotting costs of annuity products against the plurality of ages of the individual; visually displaying the plotted estimated future balance of the retirement portfolio of the individual and the costs of the annuity products.

Abstract: A speech recognition unit (114) and a processor unit (116) of a foreign language learning device (100) receive sentence speech information corresponding to a sentence pronounced by a learner (2) to separate the information into word speech information on the basis of words included in the sentence. The processor unit (116) evaluates the degree of matching (likelihood) of each word speech information with a model speech, and a resultant evaluation is indicated on a display unit (120) on the basis of each word.

Abstract: A speech recognition unit (114) and a processor unit (116) of a foreign language learning device (100) receive sentence speech information corresponding to a sentence pronounced by a learner (2) to separate the information into word speech information on the basis of words included in the sentence. The processor unit (116) evaluates the degree of matching (likelihood) of each word speech information with a model speech, and a resultant evaluation is indicated on a display unit (120) on the basis of each word.