Abstract: Techniques for sharing content using a voice user interface are described. A user may speak an input to share content presently being output by a device as audio and or displayed content. A backend system may determine the presently being output content, and generate message payload data representing the content. The backend system may also perform processing to determine an intended recipient of the content. The backend system may send the message payload data to the recipient using various modalities.

Abstract: Techniques for sharing content using a voice user interface are described. A user may speak an input to share content presently being output by a device as audio and or displayed content. A backend system may determine the presently being output content, and generate message payload data representing the content. The backend system may also perform processing to determine an intended recipient of the content. The backend system may send the message payload data to the recipient using various modalities.

Abstract: One embodiment of the invention is a method for providing a financial instrument that includes determining an initial account balance associated with a financial instrument, establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum positive growth rate, establishing a second guarantee that a beneficiary may receive a transfer of an amount of money, and establishing an agreement to allow at least a portion of the account balance to be transferred from one or more selected investments to one or more alternative investments in response to a triggering event.

Abstract: One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.

Abstract: One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account and on a first periodic basis: determining a specified percentage of the value of the financial account, determine the greater of a particular limit and the highest value of the financial account multiplied by the specified percentage on a second periodic basis, and in response to a determination that the highest value of the financial account multiplied by the specified percentage on the second periodic basis is greater than the particular limit, stepping-up the particular limit to equal the highest value of the financial account multiplied by the specified percentage on the second periodic basis.

Abstract: One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.

Abstract: One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.

Abstract: One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account, calculating a liability ratio for the financial account, and determining whether to transfer at least a portion of the account balance from a variable sub-account to a low-risk sub-account based on the liability ratio.

Abstract: One embodiment of the invention is a method for providing a financial instrument including determining a current account balance for a financial account and on a first periodic basis: determining a specified percentage of the value of the financial account, determine the greater of a particular limit and the highest value of the financial account multiplied by the specified percentage on a second periodic basis, and in response to a determination that the highest value of the financial account multiplied by the specified percentage on the second periodic basis is greater than the particular limit, stepping-up the particular limit to equal the highest value of the financial account multiplied by the specified percentage on the second periodic basis.

Abstract: One embodiment of the invention is a method for providing a financial instrument that includes determining an initial account balance associated with a financial instrument, establishing a first guarantee of a protected value, the protected value including at least an amount based upon the initial account balance growing at a minimum positive growth rate, establishing a second guarantee that a beneficiary may receive a transfer of an amount of money, and establishing an agreement to allow at least a portion of the account balance to be transferred from one or more selected investments to one or more alternative investments in response to a triggering event.