Abstract: Intra-year benefit plan financial valuation for a client's post-retirement benefit plan comprises collecting intra-year capital market data during a time period between a first actuarial valuation and a second actuarial valuation, converting the intra-year capital market data to intra-year client-specific data based on client assumptions, and calculating an updated financial valuation for the benefit plan based on the intra-year client-specific data, benefit plan data, and the client assumptions. The updated financial valuation can comprise an updated forecast financial valuation based on the intra-year client-specific data and future client assumptions. The updated financial valuation can be calibrated based on actual client-specific data reflecting experience between the time of the first actuarial valuation and the updated financial valuation. The intra-year client-specific data can provide a basis for a hypothetical forecast analysis based on hypothetical data provided by the client.

Abstract: Compounds are provided for use in the preparation of reagents which can be used in immunoassays for benzdiazepines, particularly as their urinary metabolites. The compounds are non-oxo-carbonyl derivatives conjugated to the 3-position of the benzdiazepine, which in turn are conjugated to antigenic polypeptides for formation of antibodies for use in immunoassays. The antibodies produced, when employed in immunoassays, are found to be able to detect the ingestion of a wide variety of benzdiazepine drugs as determined by positive results with the urine of the patient.

Abstract: Compounds are provided for use in the preparation of reagents which can be used in immunoassays for benzdiazepines, particularly as their urinary metabolites. The compounds are non-oxo-carbonyl derivatives conjugated to the 3-position of the benzdiazepine, which in turn are conjugated to antigenic polypeptides for formation of antibodies for use in immunoassays. The antibodies produced, when employed in immunoassays, are found to be able to detect the ingestion of a wide variety of benzdiazepine drugs as determined by positive results with the urine of the patient.