Abstract: In order to reward a consumer for trying or learning about a product, the customer is given a unique identification number, preferably an unvalidated ATM readable card, and instructions for completing a test or survey by telephone or on the Internet. Upon successful completion of the test by the consumer, the identification number is validated so that the consumer may withdraw a cash reward from a temporary bank account funded when the identification number is validated via an ATM. Where the consumer is the patient of a physician, the patient may receive the number and card from the physician along with a prescription for redemption at a pharmacy whereat the pharmacy dispenses a supply of the drug to the patient and is paid by the manufacturer of the drug through the former's insurance payment processing system.

Abstract: A disposable device protects the bottom portions of trouser legs during rain or snowstorms. The device has two flexible plastic sheets, each sheet being rectangular and having an adhesive band, on one face, along its four edges. The adhesive band, before use of the device, is covered by a protective strip.