Abstract: A method on applying user data for providing services to a user from a platform of services, the method comprising the steps of: obtaining user profile data pertaining to the user of a network system of an institution; comparing the user profile data to a plurality of different potential life stages in order to determine a selected life stage; identifying one or more services from the platform of services based on the selected life stage; identifying the one or more services to the user via a user interface of a user device; receiving a request from the user through the user device for access to the one or more services; and updating contents of the user profile to include additional profile content related to activity of the user with the one or more services.

Abstract: An apparatus for reminding a user that there is a subject in a vehicle includes a sensor, an warning device, an electrical connector configured to couple to a cigarette adaptor outlet in a vehicle for receiving power therefrom, and a circuit coupled to the electrical connector, wherein the circuit is configured to activate the warning device when the sensor senses a subject in a vehicle, and when there is a lack of power from the cigarette adaptor outlet. A method of operating a warning device of a system that is configured to sense a subject in a vehicle, includes sensing a lack of power from a cigarette adaptor outlet in the vehicle, sensing the subject in the vehicle, and activating the warning device in response to the lack of power from the cigarette adaptor outlet in the vehicle and the sensed subject in the vehicle.