Abstract: The present invention provides a method, system, and computer program product for the on-demand creation and distribution of customized dynamic contracts. At least one business opportunity is extracted from an opportunity database. For each extracted business opportunity, a credit score for a customer associated with the extracted business opportunity is obtained and a dynamically modifiable contract for the extracted business opportunity is generated. The dynamically modifiable contract is distributed to a contact associated with the extracted business opportunity, who presents the dynamically modifiable contract to the customer associated with the extracted business opportunity. The contact can modify the dynamically modifiable contract, if necessary, during negotiations with the customer, to provide a contract that is acceptable to the contact and the customer.

Abstract: The present invention is directed to a specialized truck bed wherein the bed is divided into two areas or deck sections connected by a transverse hinge. The invention is also directed to a winch system for use on a vehicle. The invention is further directed to an improved locking post or post assembly for use with the specialized truck bed of the present invention.

Abstract: A folding ramp system to be deployed under power for a truck, truck bed or trailer is disclosed.

Abstract: Section 7 of the Clayton Act, 15 USC § 18, prohibits mergers that substantially lessen competition, which has generally been interpreted to prohibit mergers that reduce consumer welfare. Determining whether consumer welfare is reduced in any particular market requires a balancing of the procompetitive and anticompetitive effects of the transaction. The present invention provides a method for analyzing mergers and balancing the efficiencies and anticompetitive effects to determine whether a merger is overall beneficial or neutral for consumer welfare. The method utilizes the risk-adjusted, net present value (NPV) for both the competitive effects and the efficiencies of the merger then determines whether a particular merger should be challenged as anticompetitive based on an analysis of this NPV.