Abstract: The present disclosure is related to methods of stimulating bone formation for the purpose of improving bone repair, accelerating bone healing, and/or generating now bone in a local region with absent or diminished bone due to injury, disease, or defect, comprising administering a composition comprising ?-catenin mRNA complex to the subject.

Abstract: The current invention is a check handling process and system. The system, via electronic debit, receives a merchant's bad checks, via mail from the merchant or the merchant's bank, and then scans them and collects them through the Federal Reserve and the Automated Clearing House (ACH). The system will receive the face value of the check, plus any fees that are allowed by state law. Once the system has collected the face value of the check and fee, the system will pay the merchant for the check only. Thus, the merchant is able to recover a large portion of their bad checks without it costing them any money. The check writers pay the fees collected by the system.