Abstract: In one aspect, the invention comprises a method comprising the steps of: (a) specifying a reference entity which is an obligor with respect to preferred securities; (b) defining a credit event to include deferral of dividend or coupon on the preferred securities; (c) specifying a payoff to include the preferred securities, the payoff to be made following the credit event; (d) specifying a premium; (e) executing an agreement with a protection buyer, wherein the agreement comprises terms based on the reference entity, the credit event, and the payoff, and wherein the protection buyer agrees to pay the premium in return for a promise to provide the payoff to the protection buyer upon occurrence of the credit event; and (f) receiving the premium from the protection buyer.

Abstract: A scent charged aeration capsule assembly emplaced over the effluxive end of a hair blower whereby, during the blower's operation, a selected fragrance may directed into a subject's hair. Alternatively, a hair blower manufactured or modified to comprise a pad emplacement chamber permitting emplacement of a fragrance impregnated pad therein.