Abstract: A number of modular preformed skeletal steel panels are mounted side by side in a row on a building structure to form a composite panel assembly on the building structure. Each modular preformed skeletal steel panel comprises two mesh layers, namely a bottom mesh layer and a top mesh layer supported spaced-apart in parallel planes by intermediate spacers extending between the layers. The bottom layer has a plurality of spaced-apart outwardly projecting splice bars for interengagement with an adjacent preformed skeletal steel panel in the panel assembly thus facilitating interengagement of the modular preformed skeletal steel panels in the composite panel assembly. Each spacer comprises a cross member engaged with the top layer and having outwardly extending legs at opposite ends of the cross member. A lower end of each leg terminates in a foot which engages with the bottom layer. The cross member, legs and feet are all mutually perpendicular.

Abstract: A reinforcing framework (10) for the construction of reinforced concrete structures includes at least two spaced-apart mesh layers (202, 204). A plurality of spaced-apart spacers (206) are mounted between the mesh layers (202, 204) to support the two mesh layers (202, 204) spaced-apart in substantially parallel planes. Each spacer (206) has a cross member with a leg extending outwardly at each end of the cross member, said legs being substantially parallel to each other and substantially perpendicular to the cross member. Each leg has a foot at an outer end of the leg remote from the cross member, the foot being substantially perpendicular to the leg and substantially perpendicular to the cross member. The cross member is bent inwardly between the legs.

Abstract: Embodiments of the invention provide apparatuses and methods for providing a graphical user interface on the display device, where the graphical user interface includes a graph viewing tool for charting data. The graph viewing tool includes: (a) a first display area displaying a first axis and a second axis of a graph, the first axis representing a first parameter of the data over a first range of values; (b) a second display area displaying a third axis representing the first parameter over a second range of values; and (c) a first tool and a second tool displayed in the second display area proximate the third axis, wherein the first tool and the second tool are configured such that they can be moved relative to each other and relative to the third axis to increase or decrease the first range of values displayed along the first axis in the first display area.

Abstract: An apparatus is provided having a processor configured to generate a graphical user interface, the graphical user interface having: (a) one or more rectangular base icons of a first size, (b) a grid where the cells of the grid are of the first size, and (c) one or more content fields having a size that is a multiple of the first size and being aligned with the grid. The apparatus further includes a communication interface configured to communicate the graphical user interface to a user terminal for display on the user terminal. The graphical user interface is further configured such that the user can move the one or more base icons and the one or more content fields to other locations within the grid provided that the one or more base icons and one or more content fields are aligned with the grid at the other locations.

Abstract: Embodiments of the invention provide apparatuses and methods for providing a graphical user interface on the display device, where the graphical user interface includes a graph viewing tool for charting data. The graph viewing tool includes: (a) a first display area displaying a first axis and a second axis of a graph, the first axis representing a first parameter of the data over a first range of values; (b) a second display area displaying a third axis representing the first parameter over a second range of values; and (c) a first tool and a second tool displayed in the second display area proximate the third axis, wherein the first tool and the second tool are configured such that they can be moved relative to each other and relative to the third axis to increase or decrease the first range of values displayed along the first axis in the first display area.

Abstract: Embodiments of the invention provide an apparatus and method for customizing a bank card. For example, the apparatus includes a communication interface and a processor operatively coupled to the communication interface. The communication interface is configured to interact with a user terminal and receive user input from the user terminal, the user input including at least one user-selected bank card option. The processor is configured to provide, via the communication interface, a graphical user interface to be displayed on a display of the user terminal. The graphical user interface includes an image of the bank card having the at least one user-selected bank card option and showing the user's name on the image of the bank card.

Abstract: Embodiment of the invention provide tools that take a person's financial data (accumulated from one or multiple sources and financial institutions) and determines which transactions are regular and which are ad hoc and then projects future cash flow. In one embodiment, the tool is configured to use this projected cash flow data to make automatic recommendations on how the user can save money in the future based on known offers and/or transactions made by others.

Abstract: Embodiments of the invention provide an apparatus having processor configured to: (a) provide a user with access to the user's financial account via a graphical user interface; (b) determine user preferences based at least partially on the user's financial information; and (c) provide non-financial content to the user via the graphical user interface and based at least partially on the user preferences. In one embodiment, the processor is configured to determine user preferences by determining trends in the user's financial information. In one embodiment, the processor is configured to determine user preferences by distinguishing between user financial transactions that are regular and user financial transactions that are ad hoc.

Abstract: Embodiments of the present invention provide apparatuses and methods for allowing a user to compare his or her financial data to the financial data of a hypothetical peer person. For example, an apparatus is provided including: (a) a communication interface configured to communicate with a user terminal, wherein the communication interface is configured to receive user input from the user terminal; and (b) a processor configured to compare a user's finances with finances of an average member of a select group of people, the comparison based at least partially on the received user input, wherein the communication interface is configured to provide the user terminal with a visual comparison of the user's finances with the finances of an average member of the select group of people.