Abstract: The present disclosure relates to methods and systems for providing personalized digital advice. A digital advisor service applies cross-entity historical interaction (e.g., behavior attributes) to one or more predictive models to identify one or more personalized goals for a user. The digital advisor service provides, via an application programming interface, the identified one or more personalized goals to an entity service, enabling the entity service to present the one or more personalized goals.

Abstract: An example system includes a vehicle having a prime mover motively coupled to a drive line; a motor/generator selectively coupled to the drive line, and configured to selectively modulate power transfer between an electrical load and the drive line; a battery pack; a DC/DC converter electrically interposed between the motor/generator and the electrical load, and between the battery pack and the electrical load, the DC/DC converter comprising a DC/DC converter housing; and a covering tray positioned over a plurality of batteries of the battery pack, the covering tray comprising a connectivity layer configured to provide electrical connectivity to terminals of the plurality of batteries.

Abstract: Compositions may include at least one whole or partial CPTG essential oil component, at least one marine or other collagen type component including greater than 70% tripeptides, and at least one whole or partial constituent component. Methods for preparing essential oil food product formulations for animal or human consumption may involve mixing at least one whole or partial CPTG essential oil component, at least one marine or other collagen type component comprising greater than 70% tripeptides, at least one whole or partial constituent component, and a liquid until at least substantially homogenous. Other compositions may include at least one essential oil component and at least one marine or other collagen type component. A ratio by weight of the at least one essential oil component to the at least one marine or other collagen type component may be within a range of from about 2:0 to about 10:1.

Abstract: The present disclosure relates to methods and systems for providing personalized digital advice. A digital advisor service applies cross-entity historical interaction (e.g., behavior attributes) to one or more predictive models to identify one or more personalized goals for a user. The digital advisor service provides, via an application programming interface, the identified one or more personalized goals to an entity service, enabling the entity service to present the one or more personalized goals.

Abstract: Users of multiple clients participate in a video chat session by exchanging video streams. A user initiates generation of a high-quality composite image of the video chat session. The clients each capture high-quality local images and send the images to a chat server via a communications channel that is out-of-band from the video streams. The chat server stores the images in a repository. The initiating user views the images and selects images and a layout to use for the composite image. The chat server assembles the composite image based on the selections and saves the composite image to the repository. The initiating user can retrieve the composite image and view it, post it to social media, and/or use it for other purposes.