Abstract: A virtual environment may be provided, the virtual environment including a procedurally generated virtual landscape. The virtual landscape may include various components, such as natural terrain elements, infrastructural elements, and residential/commercial properties, that are automatically generated based upon procedural rules so as to provide uniqueness of any one virtual landscape. A user may enter the virtual environment and, via various virtual tools, identify aspects of the generated virtual landscape that affect risk to one or more of the properties therein.

Abstract: A multi-purpose utility tote is provided which can be used for storage when it is fully closed and can provide a flat, cushioned surface when fully opened. The tote is comprised of a flat, T-shaped unit having a zipper chain disposed about the perimeter thereof. A slide fastener is located on the zipper chain with its initial starting position at an internal corner of the flat, T-shaped unit. The slide fastener is operable to transform the flat, T-shaped unit into a parallelipiped-shaped container.

Abstract: A horse grooming organizer includes a generally rectangular panel member having detachably secured thereto for selective removal therefrom a plurality of variably sized storage members such as pockets or pouches adapted to be detachably secured to an apron having cooperating attachment components. The panel organizer has eye hooks and a rigid stiffening bar and is secured to a vertical surface such as a wall or gate.