Abstract: This invention relates to a method of delivering light energy to biological tissues for the acceleration of healing of damaged or diseased tissues or regeneration of such tissues. More particularly, the present invention relates to applying various wavelengths of light to articular and non-articular joints, alone, or in conjunction with techniques for restoring or regenerating cartilage, ligament and/or tendons whether in-vitro, in-situ or in-vivo. The present invention also extends to application of photo-irradiation to stimulate enhanced proliferation and site-dependent differentiation of stem cells into mature cells and to stimulate full functioning of mature cells involved in tissue repairs for regeneration of tendons, ligaments, cartilage, bone or muscle, depending on the type of tissue with which the stem cells come into contact.

Abstract: A system to manage, review, and process distressed real estate and other assets, including, but not limited to, performing and nonperforming notes, substandard assets, and other real estate owned (OREO) assets. The system may be hosted on one or more servers on a network, such as the Internet, and accessible to financial institutions and other users through a web browser or similar program. Alternatively, the system may be hosted on an institution's own computers. The system may be used by banks, credit unions, savings and loan institutions, asset management companies, financial institutions, real estate development companies, and other holders of assets to list such assets and make them available for review by potential investors or purchasers, and tracks said assets until said assets are sold or “off-loaded.