Abstract: An insurance system receives a claim based on an insurance policy for an illness. A processor determines a level of severity of the illness based on the claim. The processor determines a payout based on the level of severity of illness, where the payout comprises a staggered percentage of a maximum payout under the insurance policy. The payout can then be paid to the insured.

Abstract: A method and apparatus for chopping long unwound items like fiber, fiber strands, yarn, etc. The chopper has a backup roll, a blade roll and a biasing system for forcing the backup roll and the blade roll together at a desired force during set up and operation. The biasing system contains a mechanism such as a slip clutch or a limited torque stepping motor for maintaining a substantially constant biasing force at set up and during operation while allowing the rolls to separate slightly to pass a temporary thicker feed without recoil that currently shortens blade and backup roll working layer life.