Abstract: According to one embodiment, an apparatus may comprise a memory unit and a processing unit. The memory unit may store loan and tax regulations of a plurality of countries. The processing unit may receive a country designation and a currency designation. The processing unit may determine, based at least in part upon the loan regulations associated with the country designation, at least one service location that is allowed to service a loan according to the currency designation and the country designation. The processing unit may further determine, based at least in part upon the retrieved tax regulations associated with the country designation, a tax withholding on the loan.

Abstract: A computer-implemented system for receiving a delivery estimated time of arrival (ETA) of an expected vehicle at a customer location is provided. The system comprises at least one customer system for receiving the ETA of the expected vehicle at the customer location from at least one tracking tool. The at least one tracking tool is configured to receive historical vehicle order average information which corresponds to known ETAs of one or more delivered vehicles over a predetermined time frame. The at least one tracking tool is further configured to generate at least one linear regression model in response to the historical vehicle order average information to determine the ETA of the expected vehicle at the customer location.

Abstract: The invention relates to compositions containing a microsphere, a phospholipid, an amphoteric surfactant and a nonionic surfactant, as well as to methods of applying such compositions to keratin materials and to methods of preparing such compositions.