Abstract: A golf ball marker tool is provided. The marker has an anchor pin cooperating with a retaining structure in a carrier. The carrier includes a retaining member having a recess dimensioned to receive the head of the marker. The retaining member has a thickness equal to or greater than a length of the pin. A translational groove in the thickness of the retaining member runs from an edge of the retaining member to a distal end relative to the edge of the retaining member. The translational groove has a length perpendicular to the thickness of the retaining member. The translational groove is sized to receive the pin along the length of the groove in a clearance fit, and the translational groove having a depth less than or equal to the thickness of the retaining member. The retaining member also includes a retaining structure for retaining the golf ball marker.

Abstract: Methods and formulations useful for controlling and optimizing the rheological properties of invert emulsion (water-in-oil) drilling fluids at low and high temperatures, wherein an additive is incorporated into an invert emulsion drilling fluid, the additive being made up of at least one organophilic clay, at least one weighting agent, at least one emulsifier, at least one filtration control agent, at least one polyamide resin, and at least one ethoxylated alcohol-based or an ether carboxylic acid-based rheology modifier.

Abstract: Some embodiments may relate to a computerized data stratification and correspondence generation process. For instance, in some embodiments a processor may retrieve a guarantor's income predictor, number of dependents, Open Auto, Mortgage, Open To Buy, HCPI, Derogatories, Open To Buy, and Total Charges from a plurality of data sources, and the processor may take the sum of the guarantor's HCPI and HCPI adjustment amounts. Such a calculation may result in a payment probability indicator. In some embodiments the indicator may correspond to one or more debt collection methodologies.