Abstract: A method for providing telecommunications service pricing to a corporate client over a computer network has steps of: querying the client to choose a client profile, selecting a questionnaire profile for a questionnaire database, presenting the questionnaire to the client over the computer network, obtaining a response to the questionnaire from the client over the data network, obtaining a phone bill from the client for a period of time, and using the phone bill to determine a call traffic pattern. The call traffic pattern and the response to the questionnaire are then used to determine telecommunications service pricing over the computer network to the client.

Abstract: A storage and applicator article for the convenient and controlled application of lotion to a user's skin has a thin, fabric like cavity applicator that is pre-impregnated with fluid and stored in a fluid impermeable enclosure. Upon opening the enclosure, a user may apply the lotion by inserting their hand in the applicator, which may be configured as a glove or mitten, and spreading the fluid over the skin. The lotion may be a combination sunscreen and insect repellent. A second embodiment of the applicator and storage enclosure of the invention comprises opening on the applicator cooperating with the storage enclosure whereby opening of the enclosure urges the applicator open. Still another embodiment of the applicator of the invention comprises a reusable, reversible applicator cavity that may generally be pulled inside out to expose a fluid impregnated applicator surface.