Abstract: Exemplary embodiments are disclosed of electrically insulated conductors. In exemplary embodiments, an electrically insulated conductor comprises an electrically conductive core and one or more electrically nonconductive layers. The one or more electrically nonconductive layers include adhered end portions parallel to and/or longitudinally extending at least partially along the length of the electrically conductive core. The one or more electrically nonconductive layers are at least partially along the perimeter of the electrically conductive core.

Abstract: The present provides a concrete and mortar mix and composition thereof with poor quality sand such as desert sand, hydraulic binder (cement) and filamentous cellulose, where the desert sand/spherical sand replaces conventional concrete river sands. The present disclosure also relates a filamentous cellulose, such as, cellulose filaments (CF), cellulose nano filaments, cellulose nanofibrils (CNF) and microfibrillated cellulose (MFC) as a concrete/mortar and sand adhesion additive with hydraulic binder (cement), and to a method of making the concrete. This method also relates to a method to prevent the sliding of individual sand grains against one another and therefor similarly contributes to the stabilization of the building materials.

Abstract: A method, a processing device and a computer-readable medium are provided for generating an indicator of the likelihood that an individual will achieve one or more financial life goals. The indicator of the likelihood that the individual will achieve the goal(s) according to the given scenario is calculated, based on a plurality of simulated financial projections. The indicator is displayed on a graphical user interface. Also proposed is a method and a system which generate customized financial products that allow individuals to achieve their respective life goals. The customized financial products are determined such that cash flow projections for the individuals remain positive for their entire lifetime and such that an indicator of the likelihood that the individual will achieve their life goals stays above a predetermined threshold.

Abstract: The present provides a concrete and mortar mix and composition thereof with poor quality sand such as desert sand, hydraulic binder (cement) and filamentous cellulose, where the desert sand/spherical sand replaces conventional concrete river sands. The present disclosure also relates a filamentous cellulose, such as, cellulose nano filaments (CF), cellulose nano filaments, cellulose nanofibrils (CNF) and microfibrillated cellulose (MFC) as a concrete/mortar and sand adhesion additive with hydraulic binder (cement), and to a method of making the concrete. This method also relates to a method to prevent the sliding of individual sand grains against one another and therefor similarly contributes to the stabilization of the building materials.

Abstract: The present disclosure relates to the remediation of oil containing wastewater, particularly wastewater containing petroleum and crude oil from industrial extractions and manipulations, spill and vehicle contamination. Particularly, it is disclosed a composition comprising a sanitizer and a dispersing agent for the clearing of the water phases. The composition can further comprise a precipitation agent, to break emulsion and separate the organic layer from the wastewater for isolation.

Abstract: The present invention is a method and system for data submission management of insurance application data by a host data processing system. The invention comprises authenticating the submission of data relative to an insurance applicant. The authenticated data is matched with a set of data points and merged to create a submission to be matched with a set of price points in a quotation routine to establish a quote. The quote is then accepted or rejected by the applicant. If accepted, then the applicant is bound conditionally. A policy is then issued to the applicant in respect of the quote. Subsequently, a set of endorsements may be added to the policy. A policy information routine for matching the insurance application data to a set of data fields is initiated to establish a living folder which can be the source of data for populating other routines, system folders, or report generators.

Abstract: The present invention is a method and system for data submission management of insurance application data by a host data processing system. The invention comprises authenticating the submission of data relative to an insurance applicant. The authenticated data is matched with a set of data points and merged to create a submission to be matched with a set of price points in a quotation routine to establish a quote. The quote is then accepted or rejected by the applicant. If accepted, then the applicant is bound conditionally. A policy is then issued to the applicant in respect of the quote. Subsequently, a set of endorsements may be added to the policy. A policy information routine for matching the insurance application data to a set of data fields is initiated to establish a living folder which can be the source of data for populating other routines, system folders, or report generators.

Abstract: DNA sequences coding for the DR-&bgr;-chain locus of human lymphocyte antigen complex and diagnostic typing processes and products related thereto. DNA sequences that code for the &bgr;-chain DR locus are useful in simple and efficient typing processes and products and for expression of polypeptides displaying an immunological or biological activity of the antigens of the HLA-DR &bgr;-chains for use in diagnostic, preventive and therapeutic agents.

Abstract: The present invention relates to pharmaceutical compositions for the oral administration of pharmaceutical agents having low water solubility. Those agents are solubilized with a polymer suitable for the formation of nanoparticles, especially from the EUDRAGIT L and S series which release the active agent in specific target regions of the gastrointestinal tract.