Abstract: This disclosure describes techniques for determining whether to approve or deny a borrower's lending-product request by selectively using a heuristic and statistical model. More specifically, a borrower may submit a lending-product request to a Statistical Risk Management (SRM) system, and in doing so the SRM system may analyze relationship attributes of the borrower to determine a likelihood of borrower repaying a loan over a predetermined time period, and avoid being charged off. In some examples, the SRM system may execute a plurality of statistical models to determine a charge-off probability score. Each statistical model may be based on a set, or subset of historical lending-product data. A subset of historical lending-product data may be based on a selection bias of shared characteristics within a set of historical lending-product data. The selection bias may be based on characteristics of a lending-product request or relationship attributes of a borrower.

Abstract: The present invention is directed to a method of producing compositions including embryonic proteins. The method includes culturing cells under hypoxic conditions on a biocompatible surface in vitro. The culturing method produces both soluble and non-soluble fractions, which may be used separately or in combination to obtain physiologically acceptable compositions useful in a variety of medical and therapeutic applications.

Abstract: The present invention is directed to a method of producing compositions including embryonic proteins. The method includes culturing cells under hypoxic conditions on a biocompatible surface in vitro. The culturing method produces both soluble and non-soluble fractions, which may be used separately or in combination to obtain physiologically acceptable compositions useful in a variety of medical and therapeutic applications.

Abstract: This disclosure describes techniques for determining whether to approve or deny a borrower's lending-product request by selectively using a heuristic and statistical model. More specifically, a borrower may submit a lending-product request to a Heuristic-Statistical Risk Management (HS-RM) system, and in doing so the HS-RM system may analyze relationship attributes of the borrower to determine a likelihood of borrower repaying a loan over a predetermined time period, and avoid being charged off. In some examples, the HS-RM system may execute a plurality of statistical models to determine a charge-off probability score. Each statistical model may be based on a set, or subset of historical lending-product data. A subset of historical lending-product data may be based on a selection bias of shared characteristics within a set of historical lending-product data. The selection bias may be based on characteristics of a lending-product request or relationship attributes of a borrower.

Abstract: A partition designed to be located on a surface, such as a bar or countertop, to provide a physical barrier between individuals and small groups. The partition may have a panel with at least one forward support member attached to a lower portion of the panel. At least one rear support member may also be attached to the lower portion of the panel. The rear support member may have at least one suction cup selectively engageable with the surface.

Abstract: A toilet that includes a bowl having a sump, a passageway, a fluid conduit and a valve. The passageway includes an entrance fluidly connected to the sump, an outlet, a dam located between the entrance and the outlet of the passageway, and an inlet located between the dam and the outlet of the passageway. The fluid conduit configured to supply a volume of water into the passageway through the inlet. The valve located between the inlet and the outlet of the passageway, wherein the valve is configured to retain the volume of water in a closed position prior to a flush cycle to affect a siphon during the flush cycle.

Abstract: A modular testing device includes a base unit and an expansion unit that communicates with the base unit. The expansion unit includes a housing, a receptacle in which a sample holder containing a biological sample and reagent mixture can be placed, and an optical assembly positioned in the housing. The optical assembly is configured to amplify and detect a signal from the biological sample and reagent mixture. Data that is collected in the optical assembly is communicated to the base unit.

Abstract: The present invention is directed to a method of producing compositions including embryonic proteins. The method includes culturing cells under hypoxic conditions on a biocompatible surface in vitro. The culturing method produces both soluble and non-soluble fractions, which may be used separately or in combination to obtain physiologically acceptable compositions useful in a variety of medical and therapeutic applications.

Abstract: Embodiments of the invention provide a filter kit including filters for processing a biological sample. Some embodiments include a filter cap in a tube kit with a first tube containing a buffer solution and a second tube containing a lyophilized master mix. Some embodiments include a method of processing a sample using the kit including mixing a biological sample in a first tube with the buffer solution, positioning the filter cap in the first tube, positioning a second tube on the filter cap, flipping the first tube, the filter cap, and the second cap to filter the biological sample and buffer solution mixture with the filter cap as it flows from the first tube to the second tube. Some embodiments include structure enabling transfer of materials through inline flow between the tubes. Some further embodiments include integrated structure for sample pulverization with integrated buffer and lyophilized master mix.

Abstract: A modular testing device includes a base unit and an expansion unit that communicates with the base unit. The expansion unit includes a housing, a receptacle in which a sample holder containing a biological sample and reagent mixture can be placed, and an optical assembly positioned in the housing. The optical assembly is configured to amplify and detect a signal from the biological sample and reagent mixture. Data that is collected in the optical assembly is communicated to the base unit.

Abstract: The present invention is directed to a method of producing compositions including embryonic proteins. The method includes culturing cells under hypoxic conditions on a biocompatible surface in vitro. The culturing method produces both soluble and non-soluble fractions, which may be used separately or in combination to obtain physiologically acceptable compositions useful in a variety of medical and therapeutic applications.

Abstract: Embodiments of the invention provide a filter kit including filters for processing a biological sample. Some embodiments include a filter cap in a tube kit with a first tube containing a buffer solution and a second tube containing a lyophilized master mix. Some embodiments include a method of processing a sample using the kit including mixing a biological sample in a first tube with the buffer solution, positioning the filter cap in the first tube, positioning a second tube on the filter cap, flipping the first tube, the filter cap, and the second cap to filter the biological sample and buffer solution mixture with the filter cap as it flows from the first tube to the second tube. Some embodiments include structure enabling transfer of materials through inline flow between the tubes. Some further embodiments include integrated structure for sample pulverization with integrated buffer and lyophilized master mix.

Abstract: A toilet that includes a bowl having a sump, a passageway, a fluid conduit and a valve. The passageway includes an entrance fluidly connected to the sump, an outlet, a dam located between the entrance and the outlet of the passageway, and an inlet located between the dam and the outlet of the passageway. The fluid conduit configured to supply a volume of water into the passageway through the inlet. The valve located between the inlet and the outlet of the passageway, wherein the valve is configured to retain the volume of water in a closed position prior to a flush cycle to affect a siphon during the flush cycle.

Abstract: A method of flushing a siphonic toilet that includes retaining a first volume of water in a bowl and an up leg of a passageway that is upstream from a dam, retaining a second volume of water in the passageway between a valve and the dam in a closed position of the valve, activating a flush cycle of the toilet that introduces a third volume of water into the toilet, and moving the valve from the closed position to an open position to affect a siphon during the flush cycle.

Abstract: A modular testing device includes a base unit and an expansion unit that communicates with the base unit. The expansion unit includes a housing, a receptacle in which a sample holder containing a biological sample and reagent mixture can be placed, and an optical assembly positioned in the housing. The optical assembly is configured to amplify and detect a signal from the biological sample and reagent mixture. Data that is collected in the optical assembly is communicated to the base unit.

Abstract: This disclosure describes techniques for determining whether to approve or deny a borrower's lending-product request by selectively using a heuristic and statistical model. More specifically, a borrower may submit a lending-product request to a Statistical Risk Management (SRM) system, and in doing so the SRM system may analyze relationship attributes of the borrower to determine a likelihood of borrower repaying a loan over a predetermined time period, and avoid being charged off. In some examples, the SRM system may execute a plurality of statistical models to determine a charge-off probability score. Each statistical model may be based on a set, or subset of historical lending-product data. A subset of historical lending-product data may be based on a selection bias of shared characteristics within a set of historical lending-product data. The selection bias may be based on characteristics of a lending-product request or relationship attributes of a borrower.

Abstract: This disclosure describes techniques for determining whether to approve or deny a borrower's lending-product request by selectively using a heuristic and statistical model. More specifically, a borrower may submit a lending-product request to a Heuristic-Statistical Risk Management (HS-RM) system, and in doing so the HS-RM system may analyze relationship attributes of the borrower to determine a likelihood of borrower repaying a loan over a predetermined time period, and avoid being charged off. In some examples, the HS-RM system may execute a plurality of statistical models to determine a charge-off probability score. Each statistical model may be based on a set, or subset of historical lending-product data. A subset of historical lending-product data may be based on a selection bias of shared characteristics within a set of historical lending-product data. The selection bias may be based on characteristics of a lending-product request or relationship attributes of a borrower.

Abstract: Embodiments of the invention provide a filter kit including filters for processing a biological sample. Some embodiments include a filter cap in a tube kit with a first tube containing a buffer solution and a second tube containing a lyophilized master mix. Some embodiments include a method of processing a sample using the kit including mixing a biological sample in a first tube with the buffer solution, positioning the filter cap in the first tube, positioning a second tube on the filter cap, flipping the first tube, the filter cap, and the second cap to filter the biological sample and buffer solution mixture with the filter cap as it flows from the first tube to the second tube. Some embodiments include structure enabling transfer of materials through inline flow between the tubes. Some further embodiments include integrated structure for sample pulverization with integrated buffer and lyophilized master mix.

Abstract: A statistical model enables a lender financial institution to leverage multiple relationship attributes of a borrower to predict whether the borrower is capable of timely paying back a loan. The statistical model is generated to provide a multitude of relationship attribute coefficients based on historical borrower data of a multiple borrowers from an alternative loan approval process. The multitude of relationship attribute coefficients are applied to corresponding relationship attribute values of a borrower that is seeking a loan from a financial institution to generate an intermediate borrower score for the borrower. A probability of the borrower not being charged off on a loan after a predetermine time period is then calculated based on the intermediate borrower score. Accordingly, the loan may be determined to be approved or denied based on a comparison of the probability to an approval cutoff threshold.

Abstract: Embodiments of the invention provide a filter kit including filters for processing a biological sample. Some embodiments include a filter cap in a tube kit with a first tube containing a buffer solution and a second tube containing a lyophilized master mix. Some embodiments include a method of processing a sample using the kit including mixing a biological sample in a first tube with the buffer solution, positioning the filter cap in the first tube, positioning a second tube on the filter cap, flipping the first tube, the filter cap, and the second cap to filter the biological sample and buffer solution mixture with the filter cap as it flows from the first tube to the second tube. Some embodiments include structure enabling transfer of materials through inline flow between the tubes. Some further embodiments include integrated structure for sample pulverization with integrated buffer and lyophilized master mix.