Abstract: A system for generating direct offers includes a computer system adapted to generate a group of offers, a list of targeted recipients that may be potential customers, and a set of business rules for selecting appropriate ones of the offers based at least in part on certain personal recipient information. The system also includes a third party computer system and a database that stores in confidence personal information for each of the targeted recipients. The third party computer system is adapted to receive the offers, the list of targeted recipients, and the set of business rules, select an appropriate one of the offers, if any, for each targeted recipient according to the business rules based at least in part on the personal information of the targeted recipients, and construct and cause to be sent a final offer for each of the targeted recipients for which an offer has been selected.

Abstract: For assembling the locking collar of a conventional eccentric locking collar bearing assembly, an elongated driver tool holds the locking collar for threading over a shaft and into engagement with the bearing inner race and initial hand-tightening. Final tightening is by an impact wrench engaging a drive socket in the free end of the tool.