Abstract: A chemical mechanical apparatus comprises a polishing platen, a roller pad assembly capable of advancing a polishing pad across the platen, a substrate carrier to press a substrate against the polishing pad, and a heater to heat the substrate to a temperature sufficiently high to provide a rate of removal of material from the substrate that compensates for the wear of the polishing pad.

Abstract: A life insurance product provided with one or more mediums and indicia recorded on the one or more mediums identifying an insured, an irrevocable beneficiary, a fixed term ending upon a predetermined age of the insured for the life insurance product, a payment schedule for premiums, a determined death benefit payable to the beneficiary upon death of the insured, with the death benefits defined as a guaranteed stream of payments to be paid for the life of the irrevocable beneficiary. The life insurance product also includes means for executing the one or mediums to form a life insurance contract.

Abstract: Disposable sanitary covers for the earpiece mouth piece and handle of telephone handsets. The covers are designed to provide universal fit to the earpiece or mouth piece, regardless of its shape.

Abstract: Disposable sanitary covers for the earpiece mouth piece and handle of telephone handsets. The covers are designed to provide universal fit to the earpiece or mouth piece, regardless of its shape.