Abstract: An apparatus for providing material feedstock into a plasma of a plasma torch includes a material feeding device having an input end and an output end. The output end of the material feeding device extends at least partially around the periphery of a plasma generated near the output end of the plasma torch. The material feeding device is oriented at an angle with respect to a central axis of the plasma torch.

Abstract: An apparatus for providing material feedstock into a plasma of a plasma torch includes a material feeding device having an input end and an output end. The output end of the material feeding device extends at least partially around the periphery of a plasma generated near the output end of the plasma torch. The material feeding device is oriented at an angle with respect to a central axis of the plasma torch.

Abstract: An apparatus for providing material feedstock into a plasma of a plasma torch includes a material feeding device having an input end and an output end. The output end of the material feeding device extends at least partially around the periphery of a plasma generated near the output end of the plasma torch. The material feeding device is oriented at an angle with respect to a central axis of the plasma torch.

Abstract: A jackable building foundation includes a steel beam support frame platform to which one or more hydraulic jacks are attached. Vertical movement of the platform in response to jacking is constrained by cuboidal column guides at the four corners. Each of the column guides comprises two tiers of square roller frames, within each of which is an I-beam engaged between the flanges on either side by two rollers supported on horizontal axes. The orientations of the I-beams and rollers alternate orthogonally at each corner of the platform, so that torques generated by uneven jacking are suppressed and do not result in jamming of the platform as it rises.

Abstract: A jackable building foundation includes a steel beam support frame platform to which one or more hydraulic jacks are attached. Vertical movement of the platform in response to jacking is constrained by cuboidal column guides at the four corners. Each of the column guides comprises two tiers of square roller frames, within each of which is an I-beam engaged between the flanges on either side by two rollers supported on horizontal axes. The orientations of the I-beams and rollers alternate orthogonally at each corner of the platform, so that torques generated by uneven jacking are suppressed and do not result in jamming of the platform as it rises.

Abstract: A floatable building foundation comprises a steel beam support frame platform with buoyancy provided by underlying pontoons and/or foam billets. Vertical movement of the platform in response to a storm surge is constrained by cuboidal column guides at the four corners. Each of the column guides comprises two tiers of square roller frames, within each of which is an I-beam engaged between the flanges on either side by two rollers supported on horizontal axes. The orientations of the I-beams and rollers alternate orthogonally at each corner of the platform, so that torques generated by uneven buoyancy are suppressed and do not result in jamming of the platform as it rises.

Abstract: Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.

Abstract: Apparatus and methods for approving financing for the sale of real estate. The apparatus and methods may involve receiving from a seller, or a seller's agent, information regarding the property so that a financial institution can determine a loan amount before the seller is engaged by a buyer. The financial institution may order from vendors documentation and certification desired or required for closing. The financial institution may issue a seal certifying that the financial institution has pre-approved a loan in a stated amount. The amount may be subject to change based on the qualifications of a buyer.

Abstract: Apparatus and methods for approving financing for the sale of real estate. The apparatus and methods may involve receiving from a seller, or a seller's agent, information regarding the property so that a financial institution can determine a loan amount before the seller is engaged by a buyer. The financial institution may order from vendors documentation and certification desired or required for closing. The financial institution may issue a seal certifying that the financial institution has pre-approved a loan in a stated amount. The amount may be subject to change based on the qualifications of a buyer.

Abstract: Apparatus and methods for processing a loan application. The apparatus and methods may involve accessing a financial institution customer account that includes a plurality of transactions; identifying those transactions that belong to a predetermined transaction category; and summarizing the transactions. Summary information may be presented as part of an income and expenses flow report that at least partially characterizes the account or the applicant. A financial institution representative may query a database for the summary information and, optionally, initiate an underwriting process based on the loan application and the summary information.

Abstract: A method of refinancing a mortgage loan is provided. The method of refinancing a mortgage loan comprises pre-approving a customer for refinancing of a mortgage loan. This customer is sent a pre-screened offer. The offer comprises materials setting forth the terms of the refinanced mortgage loan, materials providing all required pre-acceptance disclosures, and instructions describing how the customer may accept the offer. Upon receiving an indication of acceptance of the offer from the customer, a closing package is sent to the customer to be executed by the customer. The execution of the closing package by the customer creates a refinancing loan agreement. Also provided is a closing package for a mortgage loan comprising closing documents and a format and instructions providing specific guidance to the customer for completion and execution of the closing documents.

Abstract: A rich media file is a self-contained file, including both the information to be viewed by a user and the viewer that displays the information to the user. The information can be formatted however the client likes: for example, the information can be split across several pages, and can include text and still and animated images. There can also be web links to pages on a network, and e-mail forms to simplify sending an e-mail message to the client. The rich media file can include viewing limitations, so that only the proper password can unlock the file, or that the rich media file will automatically expire after a specified condition occurs. The rich media file also assists the user in obtaining the latest version of the rich media file, by offering to retrieve a newer version for the user.

Abstract: A rich media file is a self-contained file, including both the information to be viewed by a user and the viewer that displays the information to the user. The information can be formatted however the client likes: for example, the information can be split across several pages, and can include text and still and animated images. There can also be web links to pages on a network, and e-mail forms to simplify sending an e-mail message to the client. The rich media file can include viewing limitations, so that only the proper password can unlock the file, or that the rich media file will automatically expire after a specified condition occurs. The rich media file also assists the user in obtaining the latest version of the rich media file, by offering to retrieve a newer version for the user.

Abstract: A fastener cover capable of covering exposed studs on a boat contains a padded portion having a top surface and a bottom surface and at least one socket sized to couple to an exposed stud. The socket is located on the bottom surface of the padded portion, so that when the fastener cover is attached to the exposed stud, the stud is covered by the padded portion.

Abstract: A hydraulic valve includes a housing having a valve bore therein. A sensor bore intersects the valve bore and extends generally transverse with respect to the valve bore. A valve spool is movable axially in the valve bore. The spool has a sensing surface which extends at an angle with respect to a central axis of the spool and which is exposed to the sensor bore. A proximity sensor is mounted in the sensor bore to sense a distance between the sensor and the sensing surface, and to generate a signal representing an axial position of the valve spool relative to the housing.

Abstract: To compress an image, each pixel is considered. The color of each pixel, represented as an index into a color palette, is compared with the color of the pixel's upper and left neighbors and encoded to an entry in the color palette. A probability distribution is updated based on the colors of the pixel and its left and upper neighbors. Once all pixels are encoded, the color palette is optimized using the probability distribution, and the indices into the color palette for the pixels are compressed. In the preferred embodiment, the compression is achieved using a single pass over the pixels in the image, and the probability distribution is updated dynamically as each pixel is compressed.

Abstract: A fastener cover capable of covering exposed studs on a boat contains a padded portion having a top surface and a bottom surface and at least one socket sized to couple to an exposed stud. The socket is located on the bottom surface of the padded portion, so that when the fastener cover is attached to the exposed stud, the stud is covered by the padded portion.

Abstract: To compress an image, each pixel is considered. The color of each pixel, represented as an index into a color palette, is compared with the color of the pixel's upper and left neighbors and encoded to an entry in the color palette. A probability distribution is updated based on the colors of the pixel and its left and upper neighbors. Once all pixels are encoded, the color palette is optimized using the probability distribution, and the indices into the color palette for the pixels are compressed. In the preferred embodiment, the compression is achieved using a single pass over the pixels in the image, and the probability distribution is updated dynamically as each pixel is compressed.

Abstract: To compress an image, each pixel is considered. The color of each pixel, represented as an index into a color palette, is compared with the color of the pixel's upper and left neighbors and encoded to an entry in the color palette. A probability distribution is updated based on the colors of the pixel and its left and upper neighbors. Once all pixels are encoded, the color palette is optimized using the probability distribution, and the indices into the color palette for the pixels are compressed. In the preferred embodiment, the compression is achieved using a single pass over the pixels in the image, and the probability distribution is updated dynamically as each pixel is compressed.

Abstract: Solutions of overbased manganese salts of organic acids that contain from 20% to 28% by weight of manganese are prepared by(a) carbonating a reaction mixture that contains excess manganous oxide, an organic acid, a promoter, a copromoter, a solvent system, and 0.3% to 0.8% by weight of water, based on the weight of the solvent system, at a temperature in the range of 50.degree. C. to 100.degree. C. at a pressure in the range of 1 atmosphere to 10 atmospheres, thereby forming a solution of overbased manganese salt that contains 2% to 10% by weight of manganese, and(b) heating said solution under subatmospheric pressure to separate a distillate from a residue that is a solution of overbased manganese salt that contains 20% to 28% by weight of manganese.