Abstract: A system and method for configuring, recognizing, and utilizing collateral security and account payments is provided to preserve/improve a borrower's credit history with credit bureaus. Collateral deposit data indicative of collateral deposits is periodically received at a computing device and stored in association with a security account in a first memory device. Line of credit data indicative of a line of credit is generated, the line of credit data comprising an indication of a predetermined credit limit based on the collateral deposit data, the line of credit data stored in association with a secured line of credit account at one or more of the first memory device and a second memory device. Periodic transfers of collateral security data associated with the security account occur to settle any outstanding balance associated with the line of credit.

Abstract: Transition inserts and methods of joining two dissimilar metals are described. In one implementation a transition insert is described. The transition insert includes a first member comprising essentially steel, a second member comprising Al and between about 1.8% and 10.0% Si. The first member and the second member are joined to one another by roll bonding or explosion bonding. In another implementation the transition insert includes an interlayer which is joined to one of the first member or the second member. In this implementation the first member and the second member are joined to one another at the interlayer by the roll bonding or the explosion bonding. In another implementation, a method of joining two dissimilar metals is described. The method includes bonding a first member comprising essentially steel with a second member comprising Al and between about 1.8% and 10.0% Si.