Abstract: The present invention relates to an extract of Dionaea muscipula and a composition comprising such an extract for cosmetic treatment of the skin and skin appendages such as sebaceous glands, hair and nails especially skin changes due to accelerated or chronological aging e.g. wrinkles loss of firmness and elasticity, and increased pigmentation. It also regards the use of such an extract for the preparation of a composition for cosmetic treatment. The composition may comprise further substances active against skin changes due to accelerated or chronological aging e.g. wrinkles, loss of firmness and elasticity, and increased pigmentation. Especially it may contain an extract from Cymbidium erythraeum. It may also comprise bases, cosmetic pigments, UV filters and/or UV scattering agents. The scope of the invention also covers a method for cosmetic treatment of the skin, especially skin changes due to accelerated or chronological aging e.g.

Abstract: The present invention relates to an extract of Dionaea muscipula and a composition comprising such an extract for cosmetic treatment of the skin and skin appendages such as sebaceous glands, hair and nails especially skin changes due to accelerated or chronological aging e.g. wrinkles loss of firmness and elasticity, and increased pigmentation. It also regards the use of such an extract for the preparation of a composition for cosmetic treatment. The composition may comprise further substances active against skin changes due to accelerated or chronological aging e.g. wrinkles loss of firmness and elasticity, and increased pigmentation. Especially it may contain an extract from Cymbidium erythraeum. It may also comprise bases, cosmetic pigments, UV filters and/or UV scattering agents. The scope of the invention also covers a method for cosmetic treatment of the skin, especially skin changes due to accelerated or chronological aging e.g.

Abstract: An electronic financial system and method for integrating those involved in financial transactions with the use of various forms of communication to increase the speed and ease of financial transactions. A portal used by the electronic financial system allows each entity associated with financial transactions to interact with the system. The portal uses any form of communication including wireless, cellular, satellite, Internet, television and local area network to communicate and share data with those involved in financial transactions. A database, accessible through the portal, is used by the system to store financial transaction data of those involved in financial transactions. The financial transactions supported include student loans, automobile loans, consumer loans and home loans. The financial system uses novel methods to implement processes used to perform the financial transactions as well as to monitor the system.