Abstract: A computer system includes an input device. The input device is configured to receive input data for initiating a variable annuity account issued by an insurance company. The input data includes identifying information for the account holder and the amount to be invested in the account. The variable annuity includes a guarantee feature. The computer system also includes a processor, a program memory and a storage device. The processor is operative with program instructions stored in the program memory to allocate the amount invested between two different investment funds. One of the funds includes an equity asset or an equity index asset. The other fund includes a hedging component that is selected to be negatively correlated in terms of asset value changes with the equity asset or equity index asset.

Abstract: A multiple axis pinhole camera has a base, a sidewall, a detachable cover, an inner surface, an outer surface, a support for holding a photographic material and at least one aperture. The pinhole camera is constructed from a paint can. The detachable cover is removed using a pry-type opener provided with the camera. Adhesive tape is used to cover the apertures. The apertures are located on both the sidewall and cover of the pinhole camera. The inner surface of the camera is coated with a chemically resistant light absorbing material such as a black epoxy paint. The inner surface also forms a curved image plane to support the photographic material. The support for holding photographic material can be an adhesive tape or mechanical support. The pinhole camera can be a kit that can hold the necessary components to develop a photograph.