Abstract: Systems and methods are disclosed for managing a credit relationship and determining whether to extend credit to a customer. A plurality of user devices may be linked and provided shared access to a customer account over a computer network to assist in streamlining an underwriting decision in a line of business. A customer account may be approved by entering customer data and credit data into a data file, performing a credit decision on the data file, and approving the data file. The approval process may comprise a plurality of modules including a customer module, a credit module, a review module, an exposure module, a relationship module, an approval module, and optionally a tracking module and/or a maintenance module. Further, users or computing devices may be permitted to enter data, alter data, view data, or some combination of viewing, entering, and altering data within one or more of the modules.

Abstract: My invention is the use of ratite oil as a topical adjuvant and as a transdermal delivery vehicle to carry agents, especially medicines, into the bodies of mammals, including humans. This patent application specifically excludes progesterone as one of the claimed agents (U.S. Pat. No. 6,303,132), and the topical use of plain emu oil (patent application 20010033838).