Abstract: A financial transaction system in which a participant may make a purchase of goods or services from a merchant using an access device such as a payment card. Upon approval, the transaction is routed for net settlement of all funding to a Program Manager that applies logic to the transaction to calculate a merchant funded loyalty reward to the participant and administration and bank association fees. The bank association funds the merchant's account net rebate and other fees. The participant's rebate, if in cash, is placed in an investment account which may be interest bearing and is distributed upon the occurrence of an event such as retirement. The rebate provides the participant a convenient way to save money while also providing business benefits to the merchants.

Abstract: There is an apparatus having a housing, a heating element, a heating element switch, a heating chamber, a heating chamber cover, and a controller. The housing is handheld. The heating element is disposed within the housing. The heating element switch may be electrically coupled with the heating element. The heating chamber is disposed within the housing. The heating chamber cover may be adapted to at least partially eject the heating chamber from the housing when the heating chamber cover is displaced relative to the housing. The controller is electrically coupled with the heating element switch. The controller is adapted to control a transfer of energy to the heating element. The controller may be adapted to prevent the transfer of energy to the heating element if the heating chamber cover is not in a closed position relative to the housing.

Abstract: A see-through, one-way panel having a white opaque substrate with a dark pigmented adhesive on the rear side. The pigmented adhesive is covered with a release liner. The substrate, adhesive and liner are perforated and thereafter an imperforate barrier is laminated over the release liner. The front surface may be top coated to accept a dye based ink. The front surface is printed with an image by thermal or piezo ink jet printing technology. The resulting panel may then be adhesively applied to a surface.

Abstract: A financial transaction system in which a participant may make a purchase of goods or services from a merchant using an access device such as a payment card. Upon approval, the transaction is routed for net settlement of all funding to a Program Manager that applies logic to the transaction to calculate a merchant funded loyalty reward to the participant and administration and bank association fees. The bank association funds the merchant's account net rebate and other fees. The participant's rebate, if in cash, is placed in an investment account which may be interest bearing and is distributed upon the occurrence of an event such as retirement. The rebate provides the participant a convenient way to save money while also providing business benefits to the merchants.

Abstract: A see-through, one-way panel having a white opaque substrate with a dark pigmented adhesive on the rear side. The pigmented adhesive is covered with a release liner. The substrate, adhesive and liner are perforated and thereafter an imperforate barrier is laminated over the release liner. The front surface may be top coated to accept a dye based ink. The front surface is printed with an image by thermal or piezo ink jet printing technology. The resulting panel may then be adhesively applied to a surface.

Abstract: A see-through, one-way panel having a white opaque substrate with a dark pigmented adhesive on the rear side. The pigmented adhesive is covered with a release liner. The substrate, adhesive and liner are perforated and thereafter an imperforate barrier is laminated over the release liner. The front surface may be top coated to accept a dye based ink. The front surface is printed with an image by thermal or piezo ink jet printing technology. The resulting panel may then be adhesively applied to a surface.

Abstract: A one-way see-through panel assembly enhanced by a retroreflective surface. The panel assembly has a first panel which has a dark light-absorbing surface and an opposite light reflecting surface. A retroreflective sheet is applied over the light reflecting surface to form an assembly. Light passageways, either perforations or a pattern of discrete transparent areas, are provided in the assembly. An image is imprinted on either the surface of the retroreflective panel or the light reflecting surface. The method includes mechanically perforating the assembly which is facilitated by the retroreflective sheet having non-glass reflective formations thereon.

Abstract: The gun safety indicator is a generally oval, round or ovoid-shaped cup with a lip or flange around its perimeter. The bottom of the cup is a diaphragm which will flex when pressure is applied. In its relaxed state, the diaphragm has a circumference equal to or slightly larger than the circumference of the opening between the trigger guard and the trigger with the trigger depressed. The safety indicator is pushed through the trigger guard opening of an unloaded gun with the user's thumb on the inner side of the pressure diaphragm. The applied force deforms the diaphragm enough to decrease its effective circumference, allowing it to pass through the trigger guard opening. Due to the close fit, the pressure of the inner edge of the trigger guard compresses the sidewall of the cup such that the sidewall closest to the diaphragm bulges outward around the edges of the trigger guard to hold the device in place.

Abstract: A block made of a resilient material is molded to conform to the inner perimeter of a gun trigger guard. The trigger is held in a depressed state when the block is inserted. The block has flexible flanges formed on both sides which partially extend around the trigger guard and the depressed trigger to hold the block in place.At the approximate center, where the undepressed trigger would normally be, a simulated trigger is formed so as to appear to be part of the weapon. The trigger block is colored so it appears to be part of the weapon.

Abstract: A block made of a resilient material is molded to conform to the inner perimeter of a gun trigger guard. The trigger is held in a depressed state when the block is inserted. The block has flexible flanges formed on both sides which partially extend around the trigger guard and the depressed trigger to hold the block in place.At the approximate center, where the undepressed trigger would normally be, a simulated trigger is formed so as to appear to be part of the weapon. In front of the simulated trigger is an opening into which the trigger finger may be inserted in a normal manner, promoting the appearance of the block as being part of the weapon, disguising the fact that the weapon has been disabled.