Abstract: A cutting tool includes a base made of metal having al plurality to cutting teeth along an edge of the base, wherein at least one cutting tooth has at least one notch in the cutting edge of the at least one cutting tooth. A tool is prepared by introducing a notch running longitudinally along the length of the tool in the cutting edge of the cutting teeth.

Abstract: A method for financing a product or service that includes determining a first loan amount and calculating a first periodic payment and a first term based on the first loan amount. The method further includes determining a supplemental allowance for a borrower and calculating a revised loan amount by summing the first loan amount and the supplemental allowance. Once the revised loan amount is determined, a revised periodic payment and a revised loan term based on said revised loan amount are determined; and the revised loan term is reduced by applying a second periodic payment schedule based one of the first periodic payment and the revised periodic payment.