Abstract: A dynamic and flexible method, system and apparatus for managing index mutual funds and index exchange traded funds (ETFs) through using and measuring Relative Strengths and Alphas of the underlying index components to periodically reweight the underlying index components. These reweightings are used in the daily rebalancing of the respective index mutual funds/ETFs to decrease market risk and seek to improve returns above those of the statically weighted index. The disclosure demonstrates how various mutual fund/ETF indexes are flexibly weighted according to Relative Strength and Alpha calculations each standing alone or used in combination. The determination of the relative weights of Relative Strength and Alpha can be made periodically by management using a back testing and computer optimization process.

Abstract: A method for cryogenically treating skin lesions employing a device for applying cryogenic refrigerant in a liquid pool contacting the area of the skin lesion at a temperature and for a time such that permanent, irreversible rupture of the cellular membrane of the skin cells occurs, wherein the device employs a synthetic plastic foam applicator at the distal end of a tube which may be connected to an aerosol or pressurized container containing the cryogenic refrigerant.

Abstract: A method for cryogenically treating skin lesions employing a hollow fluid retaining device for retaining cryogenic refrigerant in a liquid pool contacting the area of the skin lesion at a temperature and for a time such that permanent, irreversible rupture of the cellular membrane of the skin cells occurs.

Abstract: Use of CCl.sub.2 F.sub.2 or CHClF.sub.2 to perform cryogenic surgery on a variety of skin lesions is described.