Abstract: A method and apparatus for identifying a caller who does not provide caller identification on an unanswered call. The caller is asked to record his/her name (or some other characteristic utterance). If the call is unanswered, the record is retained and can be accessed by the called party when that party requests his/her stored voice mail. Advantageously, even on unanswered calls, the identity of the caller can be presented to the called party when that called party requests stored voice mail messages, even if the calling party has private service.

Abstract: A method of refinancing a mortgage loan is provided. The method of refinancing a mortgage loan comprises pre-approving a customer for refinancing of a mortgage loan. This customer is sent a pre-screened offer. The offer comprises materials setting forth the terms of the refinanced mortgage loan, materials providing all required pre-acceptance disclosures, and instructions describing how the customer may accept the offer. Upon receiving an indication of acceptance of the offer from the customer, a closing package is sent to the customer to be executed by the customer. The execution of the closing package by the customer creates a refinancing loan agreement. Also provided is a closing package for a mortgage loan comprising closing documents and a format and instructions providing specific guidance to the customer for completion and execution of the closing documents.

Abstract: The present invention provides a method for sending and receiving text messages using the wireline telephone network, common control switching arrangements, and commonly available equipment such as DTMF telephones and caller-ID devices. One wireline Short Message Service (SMS) application is a broadcast message system that can update parents of students who attend a school. Further applications include user-controlled lists, dynamic lists, Public Service Announcements, and news services. Call signaling methods are utilized to alert the receiving station of an incoming message and to deliver the message. Alerting options include using suppressed ringing to deliver a message without ringing the line as part of a calling name parameter during normal alerting, ISDN D-channel (out of band) message(s), or using normal ringing and sending the FSK after answer on an adjunct CPE or computer-only line. Additionally, a text message could be scheduled at a targeted date and time for delivery.

Abstract: Novel, stable formulations of bupropion hydrochloride are provided which will maintain at least 80% of initial bupropion hydrochloride potency after one year. Methods of inhibiting degradation of bupropion hydrochloride and methods of preparing stable formulations of bupropion hydrochloride are also provided.

Abstract: Novel, stable formulations of bupropion hydrochloride are provided which will maintain at least 80% of initial bupropion hydrochloride potency after one year. Methods of inhibiting degradation of bupropion hydrochloride and methods of preparing stable formulations of bupropion hydrochloride are also provided.

Abstract: Novel, stable formulations of bupropion hydrochloride are provided which will maintain at least 80% of initial bupropion hydrochloride potency after one year. Methods of inhibiting degradation of bupropion hydrochloride and methods of preparing stable formulations of bupropion hydrochloride are also provided.

Abstract: Novel, stable formulations of bupropion hydrochloride are provided which will maintain at least 80% of initial bupropion hydrochloride potency after one year. Methods of inhibiting degradation of bupropion hydrochloride and methods of preparing stable formulations of bupropion hydrochloride are also provided.

Abstract: Novel, stable formulations of bupropion hydrochloride are provided which will maintain at least 80% of initial bupropion hydrochloride potency after one year. Methods of inhibiting degradation of bupropion hydrochloride are also provided.