Abstract: A stable board book has multiple stiff pages bound together and a stand connected to an end panel for holding the pages vertical when the book is put on a surface and each page is opened. The stand is attached by a hinge to the top cover of the book and by a hinge to the end panel. The end panel is attached by a hinge to the ventral edge of the bottom page of the book. The length of the stand is at least ½ of the length of the cover so that when the pages are opened and leaned against the stand, they will be stable and not fall back down.

Abstract: A Home Resale Price Protection Plan provides a payment to a homeowner should the homeowner have to sell his or her house at a loss due to a drop in a Real Estate Price Index. In exchange for an upfront fee, the homeowner would receive a payment for the lesser of their actual loss or the loss calculated by multiplying their original purchase price by the proportional drop in an appropriate housing price index. The Home Resale Price Protection Plan is contingent on the death, disability or other hardship faced by the homeowner. The Plan may be insured. The benefits of the Plan may be payable by an insurance company.

Abstract: A Home Resale Value Protection Plan provides a payment to a homeowner should the homeowner have to sell his or her house at a loss, wherein the loss is attributable to an overall drop in the housing market. In exchange for an upfront fee, the homeowner would receive a payment for the lesser of their actual loss or the loss calculated by multiplying their original purchase price by the proportional drop in an appropriate published house price index.

Abstract: A Home Resale Price Protection Plan provides a payment to a homeowner should the homeowner have to sell his or her house at a loss. In exchange for an upfront fee, the homeowner would receive a payment for the lesser of their actual loss or the loss calculated by multiplying their original purchase price by the proportional drop in an appropriate housing price index.

Abstract: A Home Resale Price Protection Plan provides a payment to a homeowner should the homeowner have to sell his or her house at a loss. In exchange for an upfront fee, the homeowner would receive a payment for the lesser of their actual loss or the loss calculated by multiplying their original purchase price by the proportional drop in an appropriate housing price index.

Abstract: A reinsurance participation plan allows an insurance carrier to provide novel loss participation plans to insureds. The insurance carrier cedes a portion of the risk to a reinsurance company, such as a captive reinsurance company. The captive reinsurance carrier then enters into a contractual agreement with the insured for the participation plan, subject to the appropriate regulations for the primary line of insurance in question. The participation plan may be a non-linear participation plan, such as a curvilinear participation plan, where the non-linearities allow the plan to be offered to smaller companies than would otherwise qualify for more traditional retrospective participation plans, and to provide more advantageous plans to larger companies than they would otherwise be offered. The plans may be offered on a multi-year basis with particular diligence in informed consent for the prospective insured.