Abstract: The exemplary embodiments of the present invention provide a system and method for providing underwriting insurance policies system on a computer system. The method comprises receiving a request from an applicant for insurance and receiving medical data of the applicant. The method further comprises denying insurance coverage if applicant has high cardiovascular risk, constructing an action plan for reducing the applicant's cardiovascular risk if applicant is denied coverage, and sending the action plan to the applicant. The system includes a tangible storage medium readable by an instruction processing system, means for receiving a request from an applicant for insurance and means for receiving medical data of the applicant. The system further includes means for denying insurance coverage if applicant has high cardiovascular risk, means for constructing an action plan for reducing the applicant's cardiovascular risk if applicant is denied coverage and means for sending the action plan to the applicant.

Abstract: The disclosure relates generally to niacin-based pharmaceutical compositions that include at least one pharmaceutical agent capable of treating a niacin-induced side-effect. Accordingly, one aspect of this disclosure is a pharmaceutical composition for delivering niacin to a patient in need thereof, wherein the composition comprises a therapeutic dose of niacin and a therapeutically effective dose of at least one pharmaceutical agent capable of reducing an adverse side-effect of niacin in the patient, and wherein the pharmaceutical agent is delivered to the patient jointly with the niacin, preferably as a single dosage pill or tablet.

Abstract: The present invention provides an endoscope cleaning apparatus with a circulation system for disinfecting an endoscope. The circulation system includes a pump housing, a pump disposed within the pump housing, and wherein the circulation system pumps the liquid chemical disinfectant through the endoscope disinfecting apparatus to disinfect an endoscope.

Abstract: The present invention provides an apparatus for removing fumes from an endoscope disinfecting apparatus configured for disinfecting an endoscope with a disinfecting solution. In architecture, the exhaust system includes a fan housing, a fan disposed within the fan housing, an exhaust hose connected to the fan housing, and wherein the exhaust system is connected to the endoscope disinfecting apparatus.

Abstract: The present invention provides an apparatus for removing fumes from an endoscope disinfecting apparatus configured for disinfecting an endoscope with a disinfecting solution. In architecture, the exhaust system includes a fan housing, a fan disposed within the fan housing, an exhaust hose connected to the fan housing, and wherein the exhaust system is connected to the endoscope disinfecting apparatus.

Abstract: The present invention provides an apparatus for disinfecting an endoscope with a disinfecting solution, and that minimizes the surface area and air exposure of the disinfecting solution. In architecture, the endoscope disinfecting apparatus includes a disinfecting basin, an endoscope body section, an insertion tube section and a basin lid. The disinfecting basin is for disinfecting the air/water and light tube of the endoscope. The endoscope body section is for disinfecting a body and eye piece of the endoscope, and is connected to the disinfecting basin. The insertion tube section is connected to the endoscope body section and is for disinfecting a insertion tube of the endoscope. A basin lid connects to the disinfecting basin and provides a watertight seal over the disinfecting basin.