Abstract: A system and method for the simplification of data structures, particularly those used for wireless communications, encodes data structures for efficient storage and access. Wireless devices are provisioned with user applications for accessing remote services, such as World Wide Web services. The user applications comprise a plurality of component definitions which typically describe complex data structures for execution by a runtime environment. The runtime environment is conditioned to use a manner to encode such data structures in flat arrays of primitive types.

Abstract: Present invention discloses a system and a method of obtaining and processing data for use in insurance underwriting which comprise a set of influencing factors, provide an application questionnaire including a series of application questions relating to a plurality of influencing factors and a plurality of possible application responses to each application question, assign risk-scores to at least a portion of said application responses, present said application questionnaire to an applicant, collect application responses to at least a portion of the application questions, compile optionally at least one expert questionnaire including all questions left unanswered by the applicant, present optionally said expert questionnaires to at least one expert, and collect responses to the expert questionnaires and determine a total response for the applicant.