Abstract: An assistive bath ring which is easily adjustable or expandable to accommodate needs of a growing child or a special need's child or adult is provided. The assistive bath ring comprises an essentially cylindrically shaped framework having a circular solid base with the base having an underside and a top side. A circularly shaped arm rail ring attached to the base by a plurality of height adjusting telescoping leg components with the arm rail ring having a front and a rear. A hinge in the circular shaped arm rail ring creates a gate to allow the circularly shaped arm rail ring to open and close. A swivel mechanism releasably secures to the underside of the base. The telescoping leg components comprise four leg components. Three leg components are attached to the top side of the base and one leg component is attached to the gate or all four leg components are attached to the top side of the base.

Abstract: An assistive bath ring for use by a child or adult to provide support for the user to sit in a bathtub. The bath ring comprises an essentially cylindrically shaped framework comprising a circular solid base, a circularly shaped ring attached to the base by height adjusting telescoping leg components; wherein the ring has a front and a rear; and further comprising a hinge in the circular shaped arm rail creating a gate to allow the circularly shaped ring arm rail to open and close.

Abstract: An assistive bath ring for use by a child or adult to provide support for the user to sit in a bathtub. The bath ring comprises an essentially cylindrically shaped framework comprising a circular solid base, a circularly shaped ring attached to the base by height adjusting telescoping leg components; wherein the ring has a front and a rear; and further comprising a hinge in the circular shaped arm rail creating a gate to allow the circularly shaped ring arm rail to open and close.

Abstract: Systems and methods for enrichment of data associated with risk prediction. Data may be enriched by incorporating one or more aspects of consumer credit, collateralized debt, mortgage, real property, and loan data for use in systems, products, and methods relying on risk prediction models to maximize the effectiveness of the risk prediction. A time-series of consumer credit data may be provided to provide historical context to data. In a particular application, enriched data is leveraged to predict occurrence of an event relating to underlying assets of a structured security, such as a mortgage-backed security. Other systems and methods are disclosed.

Abstract: Techniques for managing mortgage delinquency information are described.

Abstract: Techniques for managing mortgage delinquency information are described.