Abstract: The present invention provides a dental hygiene apparatus comprising an interdental brush applicator and interdental stimulator that is flexible to allow users to clean in between their teeth effectively. Users can adjust the angle of the interdental brush applicator and stimulator into a configuration that best suits their particular needs. When flex adjusted, the applicator is able to hold its new configuration while maintaining sufficient strength to allow the user to comfortably maneuver the apparatus to properly clean in between the teeth or stimulate the gums. Furthermore, the apparatus is disposable, rendering it convenient to use after a meal when the user is away from a private bathroom setting.

Abstract: The invention is a dental floss applicator and interdental stimulator that is flexible and also includes a guard to ensure that the dental floss has not been used or otherwise tampered with. Users can adjust the angle of the dental floss applicator and stimulator into a configuration that best suits their particular needs. When flex adjusted, the applicator is able to hold its new configuration while maintaining sufficient strength to allow the user to comfortably maneuver the apparatus to properly floss the teeth or stimulate the gums. Furthermore, the invention is disposable, rendering it convenient to use after a meal when the user is away from a private bathroom setting, such as at a home or other lodging.

Abstract: The invention is dental floss applicator and interdental stimulator that is flexible and also includes a guard to ensure that the dental floss has not been used or otherwise tampered with. Users can adjust the angle of the dental floss applicator and stimulator into a configuration that best suits their particular needs. When flex adjusted, the applicator is able to hold its new configuration while maintaining sufficient strength to allow the user to comfortably maneuver the apparatus to properly floss the teeth or stimulate the gums. Furthermore, the invention is disposable, rendering it convenient to use after a meal when the user is away from a private bathroom setting, such as at a home or other lodging.

Abstract: A method for evaluating the risk associated with an enterprise is presented. The method, based on a value-at-risk approach, uses a large number of scenarios to simulate the potential variation in the enterprise's future surplus capital based on its current assets and liabilities, and produces a probability distribution of future surplus capital. The scenarios are generated using quasi-Monte Carlo techniques in order to quickly achieve realistic scenarios. Each asset and each type of liability is modeled rigorously, and the effect of credit, interest rate, insurance, currency exchange, and equity risks on those assets and liabilities determined. The model also allocates surplus capital by division according to the risk associated with each division. The model is particularly well-suited for insurance companies.