Abstract: Systems and methods for establishing a credit account are disclosed. The systems and methods may receive a first encrypted payload comprising application data associated with a credit application by a credit issuer. The first encrypted payload may be decrypted to provide intelligible application data comprising applicant identifying information. A credit application can be processed using the applicant identifying information and a credit account can be established based on the credit worthiness determined and associated with the applicant. A second encrypted payload comprising credit account information associated with the credit account can then be established and transmitted to a client at the first location.

Abstract: Sizing agents comprised of dispersed synthetic polymers in an aqueous solution are provided, as well as methods for making these sizing agents and methods for using these sizing agents to size paper. Improved sizing is obtained by including recurring units of methyl acrylate, ethyl acrylate and/or propyl acrylate in the synthetic polymers.