Abstract: Embodiments of the invention relate to apparatuses, methods, and computer program products for collecting and managing receipts arising out of financial transactions. More particularly, embodiments of the present invention relate to apparatuses, methods, and computer program products for collecting electronic receipts by receiving an electronic indication of a transaction between a vendor and a consumer, receiving an electronic indication from the consumer that the consumer desires to have an electronic receipt resulting from the transaction electronically transmitted to a financial institution, and permitting electronic transmission of the electronic receipt to the financial institution.

Abstract: A method and apparatus for allowing a user to model the level of resources required by resource type to support a specific funding level. The model is based on a plurality of factors such as resource rates per hour, amount of resources burned monthly, and the current level of resource staffing. The model allows a user to quickly view “what if” funding scenarios and may further be utilized to determine the level of funding that can be effectively utilized by anticipating the number of resources needed to support the funding level.