Abstract: The present invention relates to an exclusive method, system and model of commerce created between a unique business entity that offers, publishes, and/or distributes any product and/or service through a subscription based membership program purchased by its consumers and the unique business entities' consumers who receive said products and/or services electronically or via mail. The unique business entities' consumers simultaneously operate their own home based business program utilizing a unique viral marketing campaign and cross promotion sales process created by the unique business entity.

Abstract: Systems and methods provide for the addition of DWDM modules to CWDM systems in order to increase bandwidth over existing lines. This allows for the expansion of communications capacity without the need to replace existing CWDM systems. The DWDM modules can be transparently inserted into the CWDM systems by, in the CWDM system, reserving a channels for use by the DWDM. The DWDM system then occupies that channel with a scalable number of DWDM wavelength channels, for example four, eight, or sixteen. The DWDM systems can be used in both single and dual fiber systems as well as ring systems. Use of single fiber systems is obtained by implementing coupling devices, such as interleavers, passband filters, and circulators, that can used in pairs to couple bidirectional signals over a single fiber.

Abstract: Systems and methods use single-fiber optical add/drop multiplexers (OADMs) to enable bi-directional data transmission in WDM systems over a single fiber. By reducing the required capacity for an optical network from dual fibers to a single fiber, significant cost and bandwidth efficiencies are achieved. The systems and methods also provide redundancy protection in single-fiber bidirectional line ring systems. In the event of a downstream fiber or device failure, the OADM module receives a signal on a first wavelength from a first direction, shifts the signal from the first wavelength to a second wavelength, and sends the signal back down the fiber it originated from on the second wavelength, thus maintaining the propagation of the signal in the ring system.

Abstract: A system and method for encouraging or promoting proper and/or informed use of group retirement plans is disclosed. In one aspect, the present invention is used to identify the need for changes in plan use or administration and provide appropriate solutions for encouraging or promoting the changes. An assessment tool is used to collect information regarding characteristics associated with group retirement plan. Based on this assessment, areas in need of change are identified, and areas in need of change and appropriate solutions are prioritized.