Abstract: The removable cap protector is a protector that can be removed, washed, and reused once absorbing excess moisture. An objective of the removable cap protector is to provide users with a device that retains the original shape and integrity of the cap the present invention is secured into. The removable cap protector is intended to provide users with a device that can prevent or reduce sweat stains. The removable cap protector has a non-woven layer and a foam layer, each of which are thin pads. The non-woven layer and the foam layer are secured to each other along their respective flat sides. The non-woven layer has a bonding mechanism, a water-resistant backing, a plurality of non-woven layer ridges, a non-woven layer bottom section, and a non-woven layer top section. The foam layer has a plurality of foam layer ridges, a foam layer bottom section, and a foam layer top section.

Abstract: In a scenario where a buyer purchases at least one of goods and services from a seller via an intermediary, at at least one of the intermediary and a third party, an indication is obtained that payment to the intermediary from the buyer is appropriate. Responsive to the indication, the at least one of the intermediary and the third party initiates a pull payment, via a payment card network, for an on-file payment card account number of the buyer. Responsive to success of the pull payment, the at least one of the intermediary and a third party initiates a push payment to the seller.

Abstract: Wood-penetrating fungi of the classes Ascomycotina and Deuteromycotina may be used very effectively to degrade pitch in wood forms used in the making of cellulosic products. Such fungi include but are not limited to the blue stain fungi. The process of Ascospore selection may be used to provide fungi which exhibit good growth on wood substrate while having little or no effects on substrate brightness, or even a positive effect on brightness. The treatment positively influences strength properties of ultimate products such as paper. In one embodiment the pulpwood or pulp is treated with a pitch degrading fungus of the genus Ophiostoma.