Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Abstract: The invention relates to the production of recombinant human fibrinogen (rhFib) in the milk of transgenic mammalian animals. This production and subsequent purification process is generally hampered by the occurrence of so-called ‘clots’ and ‘flakes’ in the milk which, in severe cases, may prevent the cow from being milked at all, resulting in a halt of lactation. These clots and flakes occur because of the expression of the fibrinogen protein, which is a factor that is normally involved in blood clotting. The invention relates to solving this milk clotting problem by treating the (lactating) animals with anticoagulants such as coumarins. A preferred anticoagulant that is used in the methods of the present invention is warfarin.

Abstract: An energy production and pressurized exhaust gas storage system including two combustion chambers aligned in opposition to each other, each of the two combustion chambers having a reciprocating power piston. A compression chamber is situated between the two combustion chambers and it includes a reciprocating compression piston. A shaft connects all of the pistons together. A solvent tank is connected to the two combustion chambers to receive the exhaust gas carbon dioxide. The solvent is preferably water maintained at about 32 degrees Fahrenheit and with a pressure above the water surface of about 100 pounds per square inch. Upon combustion, a pressurized carbon dioxide storage chamber receives compressed carbon dioxide from the compression chamber. Check valves are used to enable inflow of carbon dioxide to the compression chamber from the solvent tank and outflow of pressurized carbon dioxide in the compression chamber to storage.

Abstract: The invention relates to the production of recombinant human fibrinogen (rhFib) in the milk of transgenic mammalian animals. This production and subsequent purification process is generally hampered by the occurrence of so-called ‘clots’ and ‘flakes’ in the milk which, in severe cases, may prevent the cow from being milked at all, resulting in a halt of lactation. These clots and flakes occur because of the expression of the fibrinogen protein, which is a factor that is normally involved in blood clotting. The invention relates to solving this milk clotting problem by treating the (lactating) animals with anticoagulants such as coumarins. A preferred anticoagulant that is used in the methods of the present invention is warfarin.

Abstract: An energy production and pressurized exhaust gas storage system including two combustion chambers aligned in opposition to each other, each of the two combustion chambers having a reciprocating power piston. A compression chamber is situated between the two combustion chambers and it includes a reciprocating compression piston. A shaft connects all of the pistons together. A solvent tank is connected to the two combustion chambers to receive the exhaust gas carbon dioxide. The solvent is preferably water maintained at about 32 degrees Fahrenheit and with a pressure above the water surface of about 100 pounds per square inch. Upon combustion, a pressurized carbon dioxide storage chamber receives compressed carbon dioxide from the compression chamber. Check valves are used to enable inflow of carbon dioxide to the compression chamber from the solvent tank and outflow of pressurized carbon dioxide in the compression chamber to storage.