Abstract: Certain implementations of the disclosed technology may include systems, methods, and apparatus for inferring the performance of rejected credit applicants using non-tradeline data. According to an example implementation, a method is provided for evaluating factors that may indicate financial distress and/or future credit performance associated with an applicant. In an example implementation, the method may include receiving applicant information associated with an applicant of a credit application. Responsive to a query, the method may include receiving by at least one processor, non-tradeline data related to the applicant. The method includes scoring, using a predictive scoring model, and based at least in part on the non-tradeline data, a prediction of the applicant's future credit performance. The method includes generating, based on the scoring, an estimated credit performance of the applicant over a predetermined period; and outputting an indication of the estimated credit performance.

Abstract: A fishing rod holder comprising a tee pipe having a long cylinder and a short cylinder, a snap clamp element, a rotatable connection and an effective length. The long cylinder has a length and inside diameter for holding a fishing rod handle. The short cylinder is at right angles from the long cylinder, with a threaded inside surface and a long axis. The snap clamp element is screwably attached to the short cylinder and has a head with a width and a curvature adapted to securely fit around a support member, a body with a length and an end threaded to affix to the short cylinder of the tee pipe. The rotatable connection comprises a release surface on a threaded end to permit stable rotation of the snap clamp of up to 90 degrees about the axis of the short cylinder. The effective length is from the long cylinder curvature.

Abstract: A free standing egg cracking receptacle comprising two body segments (10) which are attached by a hinge (14), the lower segment of the receptacle comprises a concavity (18) located on the lower segments' surface which has the shape of a lower part of an egg. The upper segment of the receptacle comprises a concavity (18) located on the upper segments' lower surface which comprises the shape of the upper part of an egg and the concavity comprises a projection (22) located on the central part of the concavity.

Abstract: Certain implementations of the disclosed technology may include systems, methods, and apparatus for inferring the performance of rejected credit applicants using non-tradeline data. According to an example implementation, a method is provided for evaluating factors that may indicate financial distress and/or future credit performance associated with an applicant. In an example implementation, the method may include receiving applicant information associated with an applicant of a credit application. Responsive to a query, the method may include receiving by at least one processor, non-tradeline data related to the applicant. The method includes scoring, using a predictive scoring model, and based at least in part on the non-tradeline data, a prediction of the applicant's future credit performance. The method includes generating, based on the scoring, an estimated credit performance of the applicant over a predetermined period; and outputting an indication of the estimated credit performance.

Abstract: A method for information technology and information asset risk assessment of a business relationship between a client and a third party. The method includes establishing a database. The database includes a plurality of IT information risk factors stored in the database are associated with certain risks the client may be exposed to based on an action the client follows or based upon who the client uses as their third party provider. The database is configured to receive IT risk information. The IT risk information is associate with the plurality of IT information risk factors. The database is also configured to receive updated risk information for storage thereon. The method includes receiving risk information corresponding to the subset of relationship risk factors. The method continues with generating a relationship risk score.

Abstract: A method for information technology (IT) and information asset risk assessment of a business relationship between a client and a third party. The method includes establishing a database. The database includes a plurality of IT information risk factors. The database is configured to receive IT risk information. The IT risk information is associated with the plurality of IT information risk factors. The plurality of IT information risk factors includes a subset of relationship risk factors. The subset of relationship risk factors are utilized for evaluating the business relationship risk between the client and the third party. The method also includes receiving IT risk information corresponding to the subset of relationship risk factors. The method continues with generating a relationship risk score. The relationship risk score is determined in response to evaluating the subset of relationship risk factors using the IT risk information corresponding to the subset of relationship risk factors.

Abstract: An apparatus having a graphical touch screen for flight planning and navigation of an aircraft by a pilot. The touch screen may be a graphical interface operable to detect the presence and location of a physical object on or in proximity to the touch screen. The touch screen may be used to perform functions previously only accessible by knobs and buttons on avionic navigational and/or flight planning units. The apparatus may comprise the touch screen and a control device configured to receive and interpret signals from the touch screen. The control device may command the touch screen to display a map and to modify a stored route, such as a flight plan, based on pilot selections input via various gestures of the object on or proximate to the touch screen.

Abstract: An apparatus having a graphical touch screen for flight planning and navigation of an aircraft by a pilot. The touch screen may be a graphical interface operable to detect the presence and location of a physical object on or in proximity to the touch screen. The touch screen may be used to perform functions previously only accessible by knobs and buttons on avionic navigational and/or flight planning units. The apparatus may comprise the touch screen and a control device configured to receive and interpret signals from the touch screen. The control device may command the touch screen to display a map and to modify a stored route, such as a flight plan, based on pilot selections input via various gestures of the object on or proximate to the touch screen.

Abstract: A method for information technology and information asset risk assessment of a business relationship between a client and a third party. The method includes establishing a database. The database includes a plurality of IT information risk factors stored in the database are associated with certain risks the client may be exposed to based on an action the client follows or based upon who the client uses as their third party provider. The database is configured to receive IT risk information. The IT risk information is associate with the plurality of IT information risk factors. The database is also configured to receive updated risk information for storage thereon. The method includes receiving risk information corresponding to the subset of relationship risk factors. The method continues with generating a relationship risk score.

Abstract: The present invention is a method and apparatus that uses a plurality of predetermined segments to group credit applicants to evaluate each applicant's credit risk. The segments are based on at least one of reported trades, reported delinquency, bank card utilization, and length of said credit history. A score is generated for each applicant based on a unique scorecard designed for each segment The unique scorecards allow more accurate credit risk assessment by evaluating each applicant in view of that segment's tendency to be bad credit risks.