Abstract: In an example implementation, a method includes receiving, at a computing device, borrower information and requested financing plan information. Likewise, a method includes outputting at least a portion of the received information to a second computing device and, after receiving an indication of a decision denying the requested financing plan, outputting at least a portion of the received information to a computing device associated with a lender and confirming, to a computing device associated with a borrower or a merchant that the information has been sent to the lender.

Abstract: A pouched tobacco product includes a lined pouch material of a web and a water-soluble liner adjacent the web and a tobacco component at a moisture content of 10 to 15% contained within the lined pouch material. The water-soluble liner is interposed between the web and the tobacco component. The liner preferably reduces staining of the web by the tobacco component. Additionally, the liner may include a flavorant.

Abstract: A pouched non-tobacco product includes a lined pouch material of a web and a water-soluble liner adjacent the web and a non-tobacco flavorful component contained within the lined pouch material. The water-soluble liner is interposed between the web and the non-tobacco flavorful component. The liner preferably reduces staining of the web by the non-tobacco flavorful component. Additionally, the liner may include a flavorant.

Abstract: A pouched tobacco product includes a lined pouch material of a web and a water-soluble liner adjacent the web and a tobacco component contained within the lined pouch material. The water-soluble liner is interposed between the web and the tobacco component. The liner preferably reduces staining of the web by the tobacco component. Additionally, the liner may include a flavorant.

Abstract: A composition for treatment of a human body comprises a combination of at least one hormone, at least one amino acid, at least one enzyme and/or vitamin, and least one mineral. The relative proportions of the hormone, amino acid, enzyme and mineral in the combination are balanced with respect to each other so as to be present in effective amounts to substantially restore to optimal levels in the body the hormone, amino acid, enzyme and mineral The hormone, amino acid, enzyme and mineral in the combination further operate synergistically to provide both nutrients and command components to enable the body to effectively utilize the nutrients. The invention is also a method of forming a composition for the treatment of a human body.