Abstract: The present invention comprises buffered ophthalmic formulations and methods for antiseptically treating or pretreating ocular surfaces for invasive surgical or treatment procedures. The buffered compositions of the present invention comprise antiseptic agents within an aqueous gel or semi-gel formulation, to provide enhanced methods of treating ocular surfaces prior to surgical or other invasive procedures. Buffered ophthalmic formulations provide additional benefits to standard non-buffered preparations including decreased toxicity to the ocular surfaces, which improves post-procedural discomfort and vision.

Abstract: The present invention comprises buffered compositions and methods for antiseptically treating or pretreating anatomic surfaces for invasive surgical or treatment procedures. The compositions and methods according to the present invention find use in treating skin, gums and ocular surfaces for injections and other procedures. The buffered compositions of the present invention comprise antiseptic agents, optionally within an aqueous gel or semi-gel formulation, to provide enhanced methods of treating anatomic surfaces such as the gums or eye prior to surgical or other invasive procedures. Buffered compositions provide additional benefits to standard non-buffered preparations including decreased toxicity to the anatomic surfaces, which improves post-procedural discomfort and vision in the case of ocular surfaces.

Abstract: A system and method for extending a balance reduction offer to a set of borrowers selected from a pool is provided. A lender, for instance a financial institution issuing credit cards to a pool of borrowers, selects a subset of borrowers based upon a criterion. The balance reduction offer includes a financial incentive to encourage the borrower to accept the offer. When the borrower accepts the offer, the lender credits the account for a payment received. In one embodiment, an issuer of credit cards may employ the invention to facilitate selected borrowers transferring outstanding balances to another credit card. In such an embodiment, the borrower may complete the transaction with the assistance of a cash wire transfer company.