Abstract: A method, machine, article for an entity holding insurance.

Abstract: In the computer method variant of the invention, a computer system is programmed for adjusting participation in a pool, the method including the steps of: forming a pool to handle a monetary obligation over a period of time; storing, in a computer rules, for participation in the pool over the period of time; and using the computer to carry out the step of adjusting the participation periodically within the period of time and in accordance with the rules. In the method, the step of adjusting the participation can include changing membership in the pool, changing responsibility for the obligation respectively for a member of the pool, or both.

Abstract: A computer-aided method of computing coverage benefit costs for a retirement plan having respective accounts for individuals, the method including the steps of: converting input plan contribution data for at least one of said accounts of said retirement plan into corresponding input digital electrical signals; manipulating the input digital electrical signals in computing the coverage benefit costs for the at least one of said accounts according to said retirement plan; and producing output at an output device, the output including the computed coverage benefit costs for the at least one of said accounts of said retirement plan. The method is suitable for such as IRS Sec. 401, 408, 457, in cases such as an IRA, ROTH IRA, individual social security accounts of whatever country may be at issue, and the like. Input plan contribution data can include data such as FICA tax, Federal Old Age, Survivors, and Disability Insurance tax data.