Abstract: A system, including a device and method, for securing a covering, such as a coverlet, quilt, duvet or comforter to a bed, and a kit and method for applying the system to an existing bed and covering. A sleeve encircles the mattress and includes an engagement structure on its lower surface. The covering includes a tab which fits beneath the mattress and its support structure and further includes a second engagement structure which faces upwardly to engage the engagement structure on the sleeve. A kit includes just a sleeve and a tab with a structure for engagement to a covering.

Abstract: A system, including a device and method, for securing a covering, such as a coverlet, quilt, duvet or comforter to a bed, and a kit and method for applying the system to an existing bed and covering. A sleeve encircles the mattress and includes an engagement structure on its lower surface. The covering includes a tab which fits beneath the mattress and its support structure and further includes a second engagement structure which faces upwardly to engage the engagement structure on the sleeve. A kit includes just a sleeve and a tab with a structure for engagement to a covering.

Abstract: A system, computer program product, and method that enable a parent's Federal PLUS Loan to be refinanced by the student into a new private loan product. The system includes a computer network, server, storage device and Web Site. The system, computer program product and method all allow for online application by student for the new loan, storing of the application information, electronic signature of the promissory note, electronic provision of income documentation and proof of identity, credit qualification checks completed on student by computer, creation of a new loan in the student's name, payment-in-full of the parent's PLUS loan, notification to parents of payment-in-full status, and disclosure of the new loan to the student.