Abstract: A composition is disclosed of 40% to 55% by weight inorganic bromide salt (ammonium bromide, sodium bromide, potassium bromide, or calcium bromide); 50% to 60% by weight demineralized water; and 0.5% to 2% by weight nucleating agent. The composition has a melting point of about ?65° C. to about ?75° C. Also disclosed are methods of making the composition, a phase change material (PCM) including the composition in a container, and methods of use.

Abstract: A system and methods for assembling an expandable vertebral implant for engagement between vertebrae. The implant may expand and/or collapse between a variety of lengths. The implant may include an inner core, an outer core, and/or a middle core such that the inner and outer cores may be moveable relative to each other along an axis. The middle core may include one or more gear teeth. The implant may include one or more locking mechanisms. The implant may include one or more endplates. One endplate may be fixed and/or polyaxial. A tool may be used to vary the length of the implant.

Abstract: A solar hot air system is provided containing a solar hot air collector and an inlet duct connected to the solar hot air collector and a building fresh air intake. A sensor is connected to the building fresh air intake, configured to measure fan speed and damper position. In addition, a sensor is connected to the inlet duct, configured to measure air volume and temperature. Further, a sensor is connected to the solar hot air collector, configured to measure internal and ambient temperature. A means for calculating a periodic fee to a user based at least in part upon an amount of generated energy is also provided.

Abstract: Disclosed is a novel insurance product that provides an accelerated death benefit to the insured individual. The insurance product contains a lifeaccess accelerated benefit feature that allows the insured individual to file a claim and receive benefits under a life insurance product if the insured individual becomes chronically or terminally ill.

Abstract: A method for processing data related to a life insurance product having a death benefit amount payable to a beneficiary upon death of an insured includes receiving data indicative of certification that the insured is chronically ill, and responsive to receipt of the data indicative of the certification, providing output signals having data indicative of instructions to pay an owner of the life insurance product periodic payments, during the lifetime of the insured, each of which periodic payments reduces the death benefit amount.

Abstract: Disclosed is a novel insurance product that provides an accelerated death benefit to the insured individual. The insurance product contains a lifeaccess accelerated benefit feature that allows the insured individual to file a claim and receive benefits under a life insurance product if the insured individual becomes chronically or terminally ill.

Abstract: A computer system for administering an insurance account for providing income replacement and longevity insurance for a primary wage earner and a beneficiary has a processor and a memory storage device in communication with the processor. The processor is adapted to access data indicative of whether the account is in an income replacement phase, an intermediate phase or a longevity phase. The processor is adapted to, if the primary wage earner is deceased and the beneficiary is not deceased, and the account is in the income replacement phase, output a signal having data indicative of one or more payments to the beneficiary.

Abstract: Disclosed is a novel insurance product that provides an accelerated death benefit to the insured individual. The insurance product contains a lifeaccess accelerated benefit feature that allows the insured individual to file a claim and receive benefits under a life insurance product if the insured individual becomes chronically or terminally ill.

Abstract: A method for determining a life insurance policy value by tracking and reconciling a policy's value in units that have a normalized value is disclosed. In accordance with the principles of the invention, a normalize unit value is determined at the conclusion of each of a predetermined period from a preceding net unit value and an investment instrument performance return achieved during each period. No fees associated with performance or management are deducted from the policy value principle or investment gain during each predetermined period. Rather, when an investment performance return is positive, a known percentage of the positive investment return is determined and accumulated, i.e. carried forward, to a predetermined date. When the performance return is negative, the known percentage is set to zero.