Abstract: Systems and methods are provided herein for selecting and soliciting a plurality of lenders. In one exemplary embodiment, a loan originator obtains lending criteria of a plurality of lenders, which can include lender desking criteria, product criteria, and finance and insurance criteria. The originator then obtains applicant lending data of an applicant, which can comprise the applicant's personal data, bureau data, desking data, product data, and finance and insurance data. The applicant lending data is compared to the lending criteria of each of the plurality of lenders and lenders that are likely grant the applicant a loan are presented. The loan originator can then select one or more lender and submit a loan application to the selected lenders.

Abstract: A graphical interface provides multi-faceted distributed access to project information stored in one or more databases. A plurality of users having different types of functions can access data related to their respective function to the exclusion of information for the same project related to other functions.

Abstract: Monitoring systems and protocols are disclosed that are flexible in mode operation and format depending on the environment in which they are used. Such monitoring systems and protocols are able to change their utilization automatically, or by received instruction to do so. A location detection system includes one or more low frequency transmitters, one or more radio frequency monitoring tags and one or more receiving devices. The low frequency transmitter transmits location identification information, such as the transmitter ID, to a tag in the vicinity of the transmission. The tag relays the transmitter ID using a higher frequency transmission sent from the tag to the receiver. Communication protocols are disclosed that enable deciphering of multiple tag transmissions starting simultaneously.

Abstract: Monitoring systems and protocols are disclosed that are flexible in mode operation and format depending on the environment in which they are used. Such monitoring systems and protocols are able to change their utilization automatically, or by received instruction to do so. A location detection system includes one or more low frequency transmitters, one or more radio frequency monitoring tags and one or more receiving devices. The low frequency transmitter transmits location identification information, such as the transmitter ID, to a tag in the vicinity of the transmission. The tag relays the transmitter ID using a higher frequency transmission sent from the tag to the receiver. Communication protocols are disclosed that enable deciphering of multiple tag transmissions starting simultaneously.

Abstract: A fluid disinfection module (10c) comprises a first housing (214) and a second housing (216) arranged in spaced-apart relationship to each other. The first housing (214) includes tubular support members (218) extending laterally therefrom for respective slidable mateable engagement with corresponding tubular support members (220) also laterally extending from second housing (216), to vary the lateral distance x between the first and second housings (214) and (216). A locking mechanism (260) preferably maintains tubular support members (218,220) in fixed relationship with respect to each other. First housing (214), second housing (216), corresponding tubular support members (218) and (220), and cross support member (230) define a framework for supporting one or more lamp assemblies comprising a UV lamp (18) and a protective sleeve (224) disposed about each UV lamp (18).

Abstract: Ballast water treatment apparatus and methods for preventing foreign aquatic invasive species form entering marine ecological zones by translocation in ship's ballast water. The apparatus includes a housing, a filter member, and UV water treatment chambers. Methods include use of a ship's fire hydrant system for moving ballast water from the ship's ballast tanks into the apparatus for filtration and treatment. In-port service vessels and dock-side service vehicles are equipped with the treatment and filtration apparatus to provided in-port or dock-side ballast water treatment services. Related methods are also provided.

Abstract: Monitoring systems and protocols are disclosed that are flexible in mode operation and format depending on the environment in which they are used. Such monitoring systems and protocols are able to change their utilization automatically, or by received instruction to do so. A location detection system includes one or more low frequency transmitters, one or more radio frequency monitoring tags and one or more receiving devices. The low frequency transmitter transmits location identification information, such as the transmitter ID, to a tag in the vicinity of the transmission. The tag relays the transmitter ID using a higher frequency transmission sent from the tag to the receiver. Communication protocols are disclosed that enable deciphering of multiple tag transmissions starting simultaneously.

Abstract: A method is provided for manufacturing a fiber optic sensor for detecting or measuring a parameter of interest in a sample fluid, including pH, concentration of dissolved gases such as O.sub.2 or CO.sub.2, and the like. The sensing chemistry is affixed to the distal end of an elongated optical fiber by way of an adhesive layer typically comprised of an acrylic adhesive composition. Novel optical sensors, fabricated using the aforementioned method, are provided as well.

Abstract: A process for the production of an extracellular peroxidase using confectionery waste is disclosed. The first step of the process requires culturing a piece of plant tissue containing extracellular peroxidase-producing cells from a plant of the genus Acer, more specifically Acer pseudoplantanus. The culture medium is a solid culture medium and the culturing step is carried out until a callus forms on the solid culture medium. Further, the plant cells produced in the callus are dispersed into a liquid culture medium to form a suspension of plant cell culture. The suspension culture medium contains confectionery waste products which provide 1 to 15% by weight of sugars (i.e. fructose, glucose and sucrose). The culturing of the plant cells in suspension in the liquid culture medium with the concomitant accumulation of the extracellular peroxidase in the liquid culture medium and separating the enzyme therefrom.

Abstract: A method is provided-for manufacturing a fiber optic sensor for detecting or measuring a parameter of interest in a sample fluid, including pH, concentration of dissolved gases such as O.sub.2 or CO.sub.2, and the like. The sensing chemistry is affixed to the distal end of an elongated optical fiber by way of an adhesive layer typically comprised of an acrylic adhesive composition. Novel optical sensors, fabricated using the aforementioned method, are provided as well.

Abstract: An optical sensor is provided for measuring the pH of a fluid sample. The sensor is formulated using a fluorescent polymer composition comprising a copolymer of a water-dispersable, polyether-containing urethane olefin precursor and a fluorescent monomer species, wherein the ratio of precursor and fluorescent monomer species is such that a predetermined apparent pKa is provided. The sensor is prepared by coating the distal end of an optical waveguide with the fluorescent polymer composition, and curing the copolymer contained in the composition, e.g., by exposure to radiation of a suitable wavelength.

Abstract: An optical sensor is provided for measuring the pH of a fluid sample. The sensor is formulated using a fluorescent polymer composition comprising a copolymer of a water-dispersable, polyether-containing urethane olefin precursor and a fluorescent monomer species, wherein the ratio of precursor and fluorescent monomer species is such that a predetermined apparent pKa is provided. The sensor is prepared by coating the distal end of an optical waveguide with the fluorescent polymer composition, and curing the copolymer contained in the composition, e.g., by exposure to radiation of a suitable wavelength.