Abstract: Embodiments disclosed herein provide a method and apparatus for optimizing time-averaged transmitter power of a communications device. A time-averaged SAR is computed over a predefined time window using past transmitter power levels with minimum transmitter power equal to reserve transmitter power for any time interval. Based on the time-averaged SAR a maximum allowable transmitter power for a future fixed time interval is determined. The communication device then transmits at a power equal to or less than the maximum allowable transmitter power. The communication device may back off from high transmitter power to a reserve transmitter power when calculated time-averaged SAR approaches the SAR limit. When old high power transmissions expire, the communication device gains SAR margin and may then transmit at high power. The apparatus comprises: at least one antenna, a transmitter in communication with a power supply, a receiver, a timer in communication with a processor, and a memory.

Abstract: Embodiments disclosed herein provide a method and apparatus for optimizing time-averaged transmitter power of a communications device. A time-averaged SAR is computed over a predefined time window using past transmitter power levels with minimum transmitter power equal to reserve transmitter power for any time interval. Based on the time-averaged SAR a maximum allowable transmitter power for a future fixed time interval is determined. The communication device then transmits at a power equal to or less than the maximum allowable transmitter power. The communication device may back off from high transmitter power to a reserve transmitter power when calculated time-averaged SAR approaches the SAR limit. When old high power transmissions expire, the communication device gains SAR margin and may then transmit at high power. The apparatus comprises: at least one antenna, a transmitter in communication with a power supply, a receiver, a timer in communication with a processor, and a memory.

Abstract: New and improved methods and systems for creating collared option financial hedge products enable multiple customers to pool their assets into a single product. In contrast the prior art where such products were ‘tailor-made’ to individual investors, demand is collected across multiple investors and one or more collared option financial hedge products are created. Multiple customers are then permitted to participate in each product. Such hedge products are thus more readily available to a larger group of customers.