Abstract: Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value.

Abstract: Embodiments of the invention include a computer implemented method for automatically modifying the terms of a plurality of mortgages within a portfolio of mortgages, such that, monthly payments for the plurality of mortgages are reduced. The method includes calculating a current net present value for each of the mortgages in the portfolio of mortgages. The method also includes calculating a plurality of future net present values for each of the mortgages in the portfolio, each future net present value corresponding to one set of modified loan terms. The method also includes selecting the largest calculated future net present value. The method also includes automatically modifying the loan terms of each of the plurality of mortgages where the largest future net present value is greater than the current net present value. Loan terms are modified to correspond to the modified loan terms resulting in the largest net present value.

Abstract: An invalid toilet is disclosed which is used in combination with an air inflated hospital bed which typically have a plurality of individually inflatable air sacks. The invalid toilet is stored in a cabinet member in a position such that it makes efficient use of hospital space. A control means is disclosed that may be actuated by the patient to move the invalid toilet to a "use" position. The control means causes the air inflatable sack at the center of the hospital bed to deflate and the invalid toilet is moved over this central area. The control means provide a signal to a remote nurses station to allow the nurse to monitor the use of the invalid toilet by the patient. The nurses station is provided with a stop switch to stop movement of the invalid toilet. The control means also record the time of actuation. The invalid toilet contains storage containers which store waster material and clean water and these waste containers are made easily accessible to service personnel.