Abstract: A surgical end effector includes an ultrasonic blade and a jaw member. The blade is adapted to receive ultrasonic and electrosurgical energy and defines a distal face. The jaw member is movable relative to the blade from a spaced-apart to an approximated position for clamping tissue and includes a structural body having a body portion and a distal cap portion. The distal cap portion defines an electrode that receives electrosurgical energy. The jaw member further includes a jaw liner engaged within the body portion and extending therefrom towards the blade such that, in the approximated position, the jaw liner contacts the blade to define a gap distance between the electrode and the distal face to facilitate bipolar electrosurgical tissue treatment upon conduction of bipolar energy between the electrode and the distal face and through tissue in contact therewith.

Abstract: The tool of the invention is a data gathering and analytical process that uses internal customer data and external CRA data to build a consumer credit market data base and data structure. The internal customer data is classified according to identified Customer Attributes, the CRA data is also classified according to identified Consumer Attributes and the combined data is further classified according to additional Value Added Attributes. The resulting data structure is organized at the individual level such that each individual has associated therewith values for each of the Customer Attributes, Consumer Attributes and Value Added Attributes. The resulting analysis can be used to set institutional strategies and/or to make predictive decisions on individual borrower credit requests.