Abstract: A process, system and financial engine which determine a portfolio's sensitivity to market risk based on market conditions are described. In particular, with these process, system and financial engine, first data representative of time horizon information and second data representative of risk tolerance information are first received, and guidelines data based on the first and second data are established. Economic and market data underlying the quantitative indicators and factors determining the qualitative indicators are received. Market risk signals based on the indicator(s) is then established. The portfolio's sensitivity is determined based on the established guidelines data and the market risk signal. Using these process, system and financial engine, it is possible to determine the current market risk level, and then recommend changes to (or adjust) the user's portfolio market risk sensitivities based on the user's time horizon (i.e.

Abstract: A side curtain air bag assembly is provided, which has an inlet configured to receive inflation gas, a plurality of inflatable chambers; and a distribution tube in fluid communication with the inlet of the air bag. The inlet and the distribution tube are configured to cause inflation gas to flow along the air bag in a predetermined direction, and the distribution tube has a conical portion configured to reduce the pressure of the inflation gas pressure that is communicated from the inlet, and to distribute the inflation gas to the inflatable compartments of the air bag.

Abstract: A process, system and financial planning engine which determine at least one financial indicator for investments and savings to achieve a particular goal. In particular, financial information is obtained from an investor, and further information is also obtained. This further information is indicative of the investor's tolerance for a decline in the investments and/or the investor's tolerance for failure to achieve the particular goal. Then, the financial indicator is determined as a function of the financial information and the further information. Using these process, system and financial planning engine, it is possible to determine asset allocations, return assumptions and annual savings needed to fund the investor's goals. The annual savings can be determined using the determined return assumptions.

Abstract: A system for administering a guaranteed benefit account held by an individual, including a computer having a central processing unit for processing data, storage means for storing input data related to compensation levels of an individual account holder, contribution patterns of the individual account holder, and time periods from opening of the account until disbursement of account funds for the individual account holder, and, a first arithmetic logic circuit configured to calculate plan disbursements as a guaranteed percentage of individual account holder compensation levels.