Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Abstract: The systems and techniques disclosed herein provide tutorials for drawing three dimensional objects with accurate proportions and perspective. A user is able to select an object and a viewpoint to automatically generate a tutorial. Regardless of the object and viewpoint, an easy-to-use tutorial is produced that guides the user to draw the object with accurate proportions and perspective. Given a segmented 3D model of the object and a camera viewpoint, a sequence of steps for constructing the scaffold is determined. The sequence of steps is based on an intelligent selection of primitives and inter-primitive anchorings that provides an order for drawing the primitives and makes the scaffold easy to construct. The primitives and inter-primitive anchorings are selected from a rich set of possibilities that allow for some inaccuracies to reduce the difficulty of the tutorial. The primitives and inter-primitive anchoring are selected to balance the difficulty and the potential inaccuracy.

Abstract: The systems and techniques disclosed herein provide tutorials for drawing three dimensional objects with accurate proportions and perspective. A user is able to select an object and a viewpoint to automatically generate a tutorial. Regardless of the object and viewpoint, an easy-to-use tutorial is produced that guides the user to draw the object with accurate proportions and perspective. Given a segmented 3D model of the object and a camera viewpoint, a sequence of steps for constructing the scaffold is determined. The sequence of steps is based on an intelligent selection of primitives and inter-primitive anchorings that provides an order for drawing the primitives and makes the scaffold easy to construct. The primitives and inter-primitive anchorings are selected from a rich set of possibilities that allow for some inaccuracies to reduce the difficulty of the tutorial. The primitives and inter-primitive anchoring are selected to balance the difficulty and the potential inaccuracy.

Abstract: The support members of an X-style stand are separate from the brace assembly, and are assembled therewith by telescopic interengagement of at least one sleeve piece on the support member with the end portion of a leg of the brace, the sleeve piece being affixed to the support member with weldments that extend parallel to the longitudinal axis of the member. The sleeve pieces are fastened to the brace legs by elongate fasteners that extend through aligned apertures, which are also oriented parallel to the axis of the crosspiece. The disassembled stand is contained in a package that is of substantially reduced volume, as compared to the space required to contain an equivalent stand of conventionally welded construction.

Abstract: A safety pants with removable knee pads for providing a user with a pair of pants that would incorporate pockets which could house knee protection. The safety pants with removable knee pads include a pair of pants. The pants have a lower torso portion and two legs. Each of the legs has a front knee portion. Each one of a pair of pads has a size designed for covering one of the front knee areas. Each one of the pads provides a cushioning between a horizontal support surface and knees of a user when the user is in a kneeling position. A fastening assembly is for fastening each one of the pair of pads to an associated one of the legs for covering the knees of a user.

Abstract: A package for carrying fluid or powder samples and which is well adapted for application to product packaging or cards using automated equipment, and methods for forming the same. The package may be produced using a support web, a web of double coated tape, a web of transfer tape, or a release liner and a self-adhesive laminate. Unique nip rollers are disclosed for over-laminating the pouches and for guiding the web with pouches thereon for packaging.

Abstract: A package for carrying fluid or powder samples and which is well adapted for application to product packaging or cards using automated equipment, and methods for forming the same. The package may be produced using a support web, a web of double coated tape, a web of transfer tape, or a release liner and a self-adhesive laminate.

Abstract: A package for carrying fluid or powder samples and which is well adapted for application to product packaging or cards using automated equipment, and methods for forming the same. The package may be produced using a support web, a web of double coated tape, a web of transfer tape, or a release liner and a self-adhesive laminate.

Abstract: A package for carrying fluid or powder samples and which is well adapted for application to product packaging or cards using automated equipment. The package may be produced using a support web, a web of double coated tape, or a web of transfer tape.