Abstract: Initially the amount of data is checked to determine whether a sufficient history is present for the method. Credit card accounts are classified as new, relatively new, and old cards, i.e. opened within six months, within twelve months, and over twelve months ago. The balances for each of the three categories are calculated for each month. The average balance percentages of cards opened within six months and twelve months for the last twenty-four months is calculated and teaser surfers are defined as either having average percentages within the last twenty-four months for all credit cards opened within six and twelve months are greater than predefined percentages.

Abstract: A system and method capable of automatically rebalancing financial portfolios to optimality, are disclosed. Using stored customer-defined optimization data, the system determines if the current portfolio is imbalanced beyond a customer-defined tolerance level and if so, it transmits a “rebalancing-needed” alert message and a list of recommended rebalancing transactions via customer-defined communications methods. The customer reads the message and decides if he wishes to authorize portfolio rebalancing. To authorize portfolio rebalancing, the customer merely responds to the alert message. In a preferred embodiment, the customer's response may constitute performing a single action, such as pressing a button or speaking a sound. After the authenticity of the received customer response is verified, the system implements the customer's single response by transmitting execution instructions to an electronic trading system, which in turn executes the rebalancing transactions to optimize the portfolio.

Abstract: An enhanced material formed from a carrier material having a high porosity. The carrier material is treated with a mixture of hydrated 1,2,3-propanetriol and water soluble polymers to increase the adherence of the carrier material particles to one another to minimize atmospheric contamination of the carrier materials in use and to increase the water absorption of the material. The material has particular applicable to environments where such contamination would create problems, such as food processing and preparation environments, computer operations, electronic component manufacturing and other environments.

Abstract: Initially the amount of data is checked to determine whether a sufficient history is present for the method. Credit card accounts are classified as new, relatively new, and old cards, i.e. opened within six months, within twelve months, and over twelve months ago. The balances for each of the three categories are calculated for each month. The average balance percentages of cards opened within six months and twelve months for the last twenty-four months is calculated and teaser surfers are defined as either having average percentages within the last twenty-four months for all credit cards opened within six and twelve months are greater than predefined percentages.

Abstract: A system, computer code, and method are disclosed for solving optimization problems using prestored data groups pertaining to a plurality of anticipated optimization problems, whereby optimization problems can be solved much faster with fewer iterations. The method may comprise storing a plurality of data groups each associated with one of a plurality of anticipated optimization problems, each of the data groups including optimal solutions to a corresponding anticipated optimization problem; and solving the current optimization problem using the stored data groups.

Abstract: Initially the amount of data is checked to determine whether a sufficient history is present for the method. Credit card accounts are classified as new, relatively new, and old cards, i.e. opened within six months, within twelve months, and over twelve months ago. The balances for each of the three categories are calculated for each month. The average balance percentages of cards opened within six months and twelve months for the last twenty-four months is calculated and teaser surfers are defined as either having average percentages within the last twenty-four months for all credit cards opened within six and twelve months are greater than predefined percentages.

Abstract: A wireless Mobile Executive Assistant (MEA) in the form of a PDA/Phone having multiple, independently oriented screens configured to provide data, video independently or in combined fashion. Formed in the opposing first and second edges adjacent to a body having main display screen formed thereon are first and second slots, respectively, the first and second slots formed to receive first and second, slidingly engaging ancillary display screens. Each of the first and second display screens provide independent video or data information from the MEA, or video or other data transmission via the MEA, and can accordingly be used to conference simultaneously with three independent parties on three separate screens.

Abstract: A wireless Mobile Executive Assistant (MEA) in the form of a PDA/Phone having multiple, independently oriented screens configured to provide data, video independently or in combined fashion. Formed in the opposing first and second edges adjacent to a body having main display screen formed thereon are first and second slots, respectively, the first and second slots formed to receive first and second, slidingly engaging ancillary display screens. Each of the first and second display screens provide independent video or data information from the MEA, or video or other data transmission via the MEA, and can accordingly be used to conference simultaneously with three independent parties on three separate screens.

Abstract: A synthesized compound that is able to neutralize oxidizing agents such as nitrates from water systems, from ground surfaces and other sites. When contaminated water is passed through the synthesized compounds or when the synthesized compounds are applied to contaminated surfaces (such as feedlots), the nitrates are reduced to elemental nitrogen gas and calcium sulfates. The harmless nitrogen gas is vented into the atmosphere while the insoluble sulfate compound is collected and available to use as a soil amendment or other uses.

Abstract: An object-oriented building automation system architecture allows complex building automation applications to be developed and deployed as distributed objects across a network. Applications are distributed in the form of objects that may in turn be made up of other application objects, assembly objects and standard objects. All objects are inherited from a superclass that defines a command component and a view component. The command component identifies those methods within the object that may be executed by other objects, and ultimately by the user through the user interface. The view component identifies the attributes or data stored in the object that may be displayed on the user interface. The view component encapsulates the information needed to display the object's data, so that the user interface can be a generic browser. The standard objects encapsulate physically-constrained properties or human comfort-constrained properties.

Abstract: An auxiliary device is provided for use with a metered-dose aerosol device. The auxiliary device comprises a chamber having an inlet adapted to receive the metered-dose aerosol device, and an outlet. A mask adapted to communicate with the nose and/or mouth of an infant or young child communicates with the chamber outlet via a first valve which permits the infant or young child to inhale aerosol-carrying air from the chamber, and communicates with atmosphere via a second valve permitting exhalation therethrough. The distance between the chamber inlet and the chamber outlet is such that the mass percentage of aerosol particles having a diameter of from 1.0 microns to 5.0 microns is substantially a maximum at the chamber outlet, and the volume of the chamber is from 200-500 ml.

Abstract: The apparatus is comprised of a connection conduit comprising a mouth piece at one of its extremities, a sound generator provided with a nose, as well as a digital time measuring unit. A tapping exhaust orifice allows to tap a portion of the expired air. The orifice has an opening which is adjustable by simply turning a cuff, screwed on the outside of the conduit. When the patient expires in the apparatus, only a well defined fraction of the airflow is directed towards the sound generator, the remainder being eliminated in the atmosphere through the tapping exhaust. The airflow which remains is directed through the sound generator wherein a well defined note is produced.