Abstract: The present disclosure relates to a kit for creating a customized brim insert that supports and expands the brim of a utility or eight-point cover to make it unwrinkled and erect. In accordance with one embodiment of the present disclosure, the kit comprises a rectangular sheet or template having a first set of marking, a second set of marking, a third set of marking and a fourth set of marking on one side of the sheet. The disclosed kit further comprises an instruction that instructs the user on how to cut the rectangular sheet and turn the rectangular sheet into an irregular hexagon that fits and supports the user's utility cover.

Abstract: A money management training system for children or young adults providing age-appropriate training in money management skills and concepts in which a proportion of real, non-essential spending for the benefit of the child or young adult is provided to them on a periodic basis for their management and is allocated among a set of accounts for different purposes, such as investing, saving, learning, spending, and charitable donation, in predetermined proportions. Preferably, the system is supported by a webpage providing information, interest, games, good and services, and the like, for promoting the development of good financial skills.

Abstract: An air conditioner comprises a plurality of plates arranged in a successively stacked configuration with portions thereof having a spaced apart arrangement, and defining between successive adjacent pairs of plates at the spaced apart portions a first and second series of discrete alternating passages wherein a first air stream is passed through the first series of passages and a second air stream is passed through the second series of passages; and said stacked configuration of plates forming integrally therewith a liquid delivery means for delivering from a source a sufficient quantity of a liquid to the inside surfaces of the first series of fluid passages in a manner which provides a continuous flow of the liquid from a first end to a second end of the plurality of plates while in contact with the first air stream.

Abstract: An air conditioner comprises a plurality of plates arranged in a successively stacked configuration with portions thereof having a spaced apart arrangement, and defining between successive adjacent pairs of plates at the spaced apart portions a first and second series of discrete alternating passages wherein a first air stream is passed through the first series of passages and a second air stream is passed through the second series of passages; and said stacked configuration of plates forming integrally therewith a liquid delivery means for delivering from a source a sufficient quantity of a liquid to the inside surfaces of the first series of fluid passages in a manner which provides a continuous flow of the liquid from a first end to a second end of the plurality of plates while in contact with the first air stream.