Abstract: A method of determining an interest rate to be applied against a debit amount in a collateralized lending transaction. The method includes identifying a plurality of assets to be used as collateral, grouping the assets by class, and assigning an interest rate to each class of assets. The method also includes allocating the debit amount to each of the asset classes based on market values of the assets, calculating a blended interest rate based on the allocated debit amounts, and applying the blended interest rate to the debit amount to determine the accrual amount due on the debit amount.

Abstract: A lubricating oil composition comprising an oil of lubricating viscosity and a total of from about 1 to about 50% by weight of copolymers comprising (A) at least one ethylene-aliphatic olefin copolymer wherein the aliphatic olefins contain from 3 to about 24 carbon atoms, said copolymer (A) having Mn ranging from about 600 to about 5000, and (B) at least one copolymer comprising units derived from alkyl acrylate ester monomers containing from 2 to about 25 carbon atoms in the ester group, and optionally, from about 0.1% to about 20% by weight of at least one member of the group consisting of vinyl aromatic monomers and nitrogen-containing vinyl monomers. said copolymer (B) having Mn ranging from about 10,000 to about 350,000, wherein the weight ratio of (A):(B) ranges from about 99:1 to about 1:99.

Abstract: This invention relates to a lubricating composition containing (a) an oil soluble phosphorus amine salt; (b) about 0.0001 wt % to about 0.5 wt % of a metal containing detergent package comprising a phenate and a sulphonate; (c) a dispersant; (d) a dispersant viscosity modifier; (e) a metal deactivator; and (f) an oil of lubricating viscosity, wherein the lubricating composition contains less than about 0.25 wt % of a metal dialkyldithiophosphate. The invention further relates to a method of lubricating a transmission by employing the lubricating composition.

Abstract: The present invention provides a composition containing: (a) an oil of lubricating viscosity; (b) an amine salt of a phosphorus compound; (c) a compound selected from the group consisting of: 1) a polymeric dispersant viscosity modifier wherein the polymeric dispersant viscosity modifier excludes copolymers derived from (a) a nitrogen containing monomer; and (b) methacrylic acid esters containing from about 9 to about 25 carbon atoms in the ester group; 2) a polymeric dispersant viscosity modifier, a borated dispersant; and a sulphurised olefin; and 3) mixtures thereof. The invention further provides a process for preparing the composition and a method for improving oxidation cleanliness of surface.