Abstract: A multilayered thermally-insulating garment with ventilating inserts uses a thermally-insulative unitard, multiple venting inserts, and a chest opening to encourage perspiration of a user while exercising. The thermally-insulative unitard is a garment that is designed to be worn by a user and to promote perspiration. To accomplish this, the thermally-insulative unitard makes use of a multilayered construction that includes an interior layer, an intermediate layer, and an exterior layer. This construction enables the thermally-insulative unitard to trap the user's body heat, prevent sweat penetration, and remain flexible. The venting inserts are sections of a flexible and air-permeable material that are integrated into various portions of the thermally-insulative unitard. These sections are worn over the user's armpits, crotch, and buttock to enable air to flow past these portions of the user's body; thus, preventing odors.

Abstract: A method is provided to compensate a vehicle buyer for negative equity in a vehicle purchased from a vehicle dealer and traded at a predetermined time after purchase of the vehicle. At the time the vehicle is purchased from a participating vehicle dealer, an insurer issues a premium bearing policy to the vehicle purchaser. If the purchaser pays the required premiums over the predetermined time, the insurer will pay on behalf of the buyer a compensated value equal to the amount owed on the vehicle less deductions and less the unadjusted fair market value of the vehicle at the time the vehicle is traded with a participating vehicle dealer, which may be the same or different from the vehicle dealer from whom the vehicle was originally purchased, depending on the terms of the policy.