Abstract: A method for translating messages between users is presented. The method includes receiving, at a first computing device, a message from a first user associated with a first language, in which content of the message is in the first language. The method also includes transmitting the message to a second computing device associated with a second language of a second user. The method further includes receiving the message and an indication of the second language from the second computing device as well as transmitting the message to a translation server to be translated to the second language. Furthermore, the method includes receiving a translated message from the translation server and transmitting the translated message to the second computing device of the second user.

Abstract: A real-time website translation method includes detecting, at a computing device, a native language of the computing device. The method also includes detecting, at the computing device, a request to load a website on a browser of the computing device. The method further includes transmitting text from the website, an indication of the native language, and an indication of a website language to a first server. Furthermore, the method includes receiving, from the first server, the text translated to the native language and displaying the website in the native language.

Abstract: A method for translating messages between users is presented. The method includes receiving, at a first computing device, a message from a first user associated with a first language, in which content of the message is in the first language. The method also includes transmitting the message to a second computing device associated with a second language of a second user. The method further includes receiving the message and an indication of the second language from the second computing device as well as transmitting the message to a translation server to be translated to the second language. Furthermore, the method includes receiving a translated message from the translation server and transmitting the translated message to the second computing device of the second user.

Abstract: The invention provides for processing of data to determine the likelihood of default of an entity. The processing may comprise obtaining a data set relating to an entity, the data set including at least a first likelihood of default indicator (LDI) value and a second LDI value; determining a LDI rate of change, based on the first LDI value and the second LDI value, to provide a LDI slope value; and determining the likelihood of default of the entity based on the LDI slope value and the first LDI value.

Abstract: A method and apparatus for coating non-woven and other porous webs and the like with controlled or negligible penetration into the pores by subjecting a coating carried by a surface to electron beam radiation before laminating the web to the surface carrying the coating and with a radiation dose that only partially cures the coating into a soft or tacky state such that the laminating will effect surface spreading adhesion to the web with controlled or substantially no penetration into the pores, and thereafter subjecting the laminated web and partially cured coating to greater electron beam radiation fully to cure the coating.