Abstract: A loan portfolio manager system is provided to predict and prioritize loans at risk of default and foreclosure. The loan portfolio manager system may analyze the loans at risk to determine which of the loans are at risk and also candidates for modification. The loan portfolio manager system may generate recommended modification solutions for those at risk loans by applying configurable criteria and data analytics. The loan portfolio manager system may monitor and report on the health of loan portfolios, borrowers, and on success of loan modifications. The loan portfolio manager system may facilitate loan modification business process outsourcing through campaign management and buyer contact/interaction capabilities.

Abstract: A loan portfolio manager system is provided to predict and prioritize loans at risk of default and foreclosure. The loan portfolio manager system may analyze the loans at risk to determine which of the loans are at risk and also candidates for modification. The loan portfolio manager system may generate recommended modification solutions for those at risk loans by applying configurable criteria and data analytics. The loan portfolio manager system may monitor and report on the health of loan portfolios, borrowers, and on success of loan modifications. The loan portfolio manager system may facilitate loan modification business process outsourcing through campaign management and buyer contact/interaction capabilities.

Abstract: A hydrophilic polyol having a molecular weight of less than about 4500 and comprising ethylene oxide units and alkylene oxide units selected from propylene oxide, butylene oxide and mixtures thereof in a weight ratio of ethylene oxide units to alkylene oxide units in the range of from about 95:5 to about 60:40, the polyol having a secondary hydroxyl content of at least about 80% based on the total hydroxyl content of the polyol. A process for producing the hydrophilic polyol is also described.

Abstract: A process for recovering free aluminum and aluminum compounds such as aluminum oxide from aluminum dross and aluminum scrap in a furnace heated with a plasma arc torch wherein air at high enthalpy is used as the arc gas. The use of air at high enthalpy as the arc gas provides for more rapid heat output, causing the outer surface or shell of dross to heat rapidly, thereby rupturing the oxide shell releasing free aluminum from within the shell. A higher aluminum recovery is obtained. In a plasma torch high enthalpy is obtained by adding a gas such as CO.sub.2, methane or hydrogen to the air arc gas at a fixed current level or by operating the plasma torch with higher current at a fixed air flow.

Abstract: An assembly for the recovery of aluminum metal from aluminum dross comprising a rotary furnace, a plasma arc torch, and a supervisory control system for tying together and automatically controlling the operation of the rotary furnace and plasma arc torch is described. The invention provides recovery of aluminum metal from dross in an efficient and economical process.