Abstract: A system for generating an identity theft score is disclosed. The system may identify consumers who have experienced identity theft during a historical time period, generate an identity theft risk model based upon the plurality of consumers who have experienced identity theft, and generate an identity theft score for an individual consumer based upon the identity theft risk model and data associated with the individual consumer. The identity theft risk model may comprise a regression model, and the identity theft score may represent a probability that the individual consumer will experience identity theft during a future time period.

Abstract: An aquatic "dive-plane" which operates in tow behind a motorcraft. Used in conjunction with basic snorkle gear it permits the user, by the flexing up or down of peripheral wings to submerge and explore under the surface as well as to turn, maneuver and resurface intermittently for air. It comprises a body of buoyant material to float the unit for easy recovery; a pair of semi-parabolic structures of a rigid, durable transparent material which serve hydrodynamically to minimize drag and to protect the face and mask from turbulence while allowing the user a maximum view of surroundings both above and below the surface; a pair of peripheral wings manually controlled by affixed handles by which the user controls his position in the water; a pair of arm-supports by which the user stabilizes his position in relation to the dive-plane and by which an even distribution or shifting of the pulling tension is permitted.