Abstract: A computer-implemented method performed by a depository computing system includes receiving a check deposit and a withdrawal request associated with a customer account of a customer where the customer account is associated with a first amount and the withdrawal request comprises a second amount greater than the first amount, forwarding an inquiry message regarding the check deposit to a paying computing system, determining real time account status information of a payor account of a payor, and authorizing in real time relative to when the real time account status information is accessed, the withdrawal request for the second amount where the authorization occurs prior to settlement of the check deposit.

Abstract: A convertible garment includes a waist portion having a continuous upper edge and a pair of leg portions extending downwardly from the waist portion. Each leg portion includes a lower end. The convertible garment includes an upper auxiliary portion having a continuous lower edge coupled to the upper edge of the waistband and an opposed free upper edge. The upper auxiliary portion is movable between a folded configuration adjacent the waist portion and an extended configuration extending away from the waist portion. The convertible garment includes a pair of lower auxiliary portions each having an upper edge coupled to respective lower ends of respective leg portions and an opposed free edge, respective lower auxiliary portions being movable between a folded configuration adjacent respective leg portions and an extended configuration extending away from respective lower ends of respective leg portions.

Abstract: A convertible garment includes a waist portion having a continuous upper edge and a pair of leg portions extending downwardly from the waist portion. Each leg portion includes a lower end. The convertible garment includes an upper auxiliary portion having a continuous lower edge coupled to the upper edge of the waistband and an opposed free upper edge. The upper auxiliary portion is movable between a folded configuration adjacent the waist portion and an extended configuration extending away from the waist portion. The convertible garment includes a pair of lower auxiliary portions each having an upper edge coupled to respective lower ends of respective leg portions and an opposed free edge, respective lower auxiliary portions being movable between a folded configuration adjacent respective leg portions and an extended configuration extending away from respective lower ends of respective leg portions.

Abstract: Various embodiments are directed to systems and methods for optimizing energy use with one or more optimization engine objects. An optimization engine object may have a plurality of dependent objects including at least a dependent optimization engine object, or at least one of a supply-side or demand-side object. The optimization engine object may receive dependent object attribute data from each of the at least one dependent objects; determine an optimal configuration for the plurality of dependent objects over the first time period subject to at least one optimization constraint; and conditioned upon the optimization engine depending from a superior optimization engine, transmit a net energy usage associated with the optimal configuration to the superior optimization engine.