Abstract: A system receives information for a plurality of invoices having invoice amounts owed by a debtor-buyer to a plurality of creditor-suppliers, a cash pool amount for a cash pool available by the debtor-buyer for early payment of at least some of the invoice amounts, and a desired return rate, receives a plurality of offers, each offer from a corresponding creditor-supplier and comprising an offer return rate, determines whether each of the plurality of offers is eligible for acceptance based on each offer return rate from each offer and the desired return rate for the buyer and selects one or more invoices each having an invoice amount, and transmits award information to the debtor-buyer.

Abstract: A tundish veneer composition comprising about 45-80 percent by weight of MgO, about 1-7 percent by weight of a refractory clay filler, about 1-15 percent by weight of a refractory glass wool fiber, about 3-10 percent of aqueous colloidal silica binder, and optionally, up to about 15 percent by weight of graphite, a foaming agent, or a dispersing agent.