Abstract: Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value.

Abstract: Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value.

Abstract: The invention provides a novel reporter gene (mSEAP) capable of being expressed in a mammal for extended periods of time. Nucleic acids encoding the reporter gene, cells and vectors comprising the nucleic acids, and methods of using the reporter gene to identify expression vectors and screen for drug compounds in an animal are also disclosed.

Abstract: WASP and N-WASP proteins are provided that can be expressed in soluble form, including fusion proteins that contain full-length WASP and N-WASP. The proteins retain at least partial activity of full length WASP or N-WASP and some of the proteins fully recapitulate the activity of full-length WASP and N-WASP. Methods for expressing full-length WASP and N-WASP are also provided.

Abstract: The invention provides a novel reporter gene (mSEAP) capable of being expressed in a mammal for extended periods of time. Nucleic acids encoding the reporter gene, cells and vectors comprising the nucleic acids, and methods of using the reporter gene to identify expression vectors and screen for drug compounds in an animal are also disclosed.