Abstract: This bleeder guard is used for blinding pipe flanges in refineries, chemical plants, and other fluid processing plants joined in many places by flanged joints. The bleeder guard is an elongated rod, having a first end with a threaded surface and a second end with a smooth surface. The bleeder guard preferably is a smooth elongated rod of uniform diameter. The elongated rod typically has a cylindrical shape.

Abstract: Systems and methods are disclosed that can enable a user to search for real estate properties by specifying search criteria that may exclude personal information. The systems and methods then can subsequently conduct a search for real estate property listings based partly on the specified search criteria and access loans associated with the matched properties. The system and methods then can perform analysis of the loans to identify loan and consumer characteristics and generate an electronic report that includes a representation of the loan and consumer characteristics.

Abstract: A loan program and process is structured to provide a significant end-to-end cost savings while overcoming many, if not all, of the drawbacks and regulatory obstacles present in the current payday loan industry. The program, the end-to-end process, and the arrangement thereof, permits a lender to offer short-term, small cash loans to employees through an employer controlled payroll system. Access to the employer controlled payroll system is achieved through an agreed upon relationship between a coordinator, a lender, and the employer. As part of the agreed upon relationship, the lender guarantees that all fees, interest, and other ancillary costs over and above a principle amount of the short-term, small cash loan will be kept at or below a predetermined annual percentage rate (APR). In addition, the loan is repayable over a number of payroll cycles such that each successive payday the principle balance of the loan decreases.