An apparatus for providing a financial product from a first party to a second party is disclosed. The apparatus includes a processing system having a processor and a store. The processing system is configured to receive loan parameters relating to a loan from the first party to the second party; determine, using the loan parameters and a repayment rule, payments to be paid by the second party to t...

Certain exemplary embodiments comprise an apparatus, comprising: a compressed gas container; a plurality of vials adapted to store a liquid medicament, each vial defining a longitudinal axis, the longitudinal axes of the plurality of vials parallel and non-co-axial, the plurality of vials fluidly coupleable to an actuating portion of a contents of the gas container; and a plurality of pistons, eac...

Wide bandgap semiconductor devices including normally-off VJFET integrated power switches and methods of making such devices are disclosed. The power switches can be implemented monolithically or hybridly, and may be integrated with a control circuit built into a single-or multi-chip wide bandgap power semiconductor module. The devices can be used in high-power, temperature-tolerant and radiation-...

Disclosed is a boiler system for producing steam from water. The system includes a number of serially arranged boilers defining a first boiler and a second boiler, each boiler having a inlet in flow communication with a plurality of tubes for carrying the water. The tubes form at least one tube wall wherein the steam produced by the first boiler is directly fed into the inlet of the second boiler ...

Disclosed is a multivalent conjugate comprising two or more antigenically distinct saccharide antigens conjugated to the same carrier protein molecule, wherein the carrier protein comprises CD4+ T cell epitopes from two or more pathogens, wherein: (i) the epitopes are CD4+ epitopes from tetanus toxin (TT), Plasmodium falciparum circumsporozoite protein (PfCSP), Hepatitis B virus nucleocapsid (HBVn...

An information retrieval system comprises a queue for storing load data requests; a set of two or more load servers for retrieving data from a queue and indexing documents for retrieval based on the data retrieved from the queue; and first and second load monitors for monitoring operation of the load servers and providing new data on the queue accessible by the load servers, with the first load mo...

An online legal research system comprises a client access device and a server coupled to one or more databases storing documents of legal cases. The client access device is configured to access an editable document of a case management system for an activity associated with a legal case over a first network. The document is accessed via a word processor application and includes identification info...

Disclosed is a domestic appliance such as a dishwasher, having a lock for the dishwasher door with a closing hook or closing stem disposed on a housing and/or frame and/or wash container of the domestic appliance, said closing hook or closing stem being able to engage with an engaging section in the door to close a treatment compartment and being able to disengage from the engaging section to open...

Provided is a solid cleaner for heated surfaces comprising: glycerin; a solidifYing agent comprising wax, the wax being from 25 to 75 wt% of the solid cleaner and being substantially insoluble in water; and a cleaning agent comprising a carbonate salt and water or silicate salt and water; wherein, the solid cleaner is solid at room temperature and liquid al an elevated temperature and wherein the ...

Disclosed is a method to capture fluid using a turbine seal system. The seal system captures working fluid which is escaping from a closed loop thermodynamic cycle system, condenses the captured working fluid, and returns the condensate back to the thermodynamic cycle system. The seal system applies a non-condensable gas to capture or mix with the escaping working fluid. The combined mixture s eva...

Disclosed herein is a method for improving the surface smoothness of planar textile structures, in particular sails, awnings or textiles which can be used in motor vehicles, by applying at least one aminopolysiloxane of formula (I), wherein the substituents are as defined within the specification. As a result, it is possible to obtain individual and in particular, combinations of properties and ef...

Disclosed is an isolated HBV (Hepatitis B Virus) variant that comprises at least one nucleotide mutation in the DNA polymerase gene at codon position 181, according to the genotype-independent numbering scheme for HBV polymerase, which results in an alanine to serine amino acid substitution, rtA181S. The isolated HBV variant exhibits a decreased sensitivity to the nucleoside analogue Adefovir and/...

A system and a method for receiving and processing data are disclosed. The system includes a data processing and verification component that accepts data from a client in an electronic format and identifies therefrom data elements that can be directly verified; a risk assessment component that receives data elements that have not been identified as directly verifiable and assesses a risk that the ...

Disclosed is the use of a parenteral formulation comprising an anti-virally effective amount of 4-[[4[[4-(2-cyanoethenyl)-2,6-dimethylphenyl]amino]-2-pyrimidinyl]amino]benzonitrile which is also known as TMC278 or rilpivirine), the E-isomeric form thereof or the Z-isomeric form thereof; or a pharmaceutically acceptable acid-addition salt thereof, and a carrier, for the manufacture of a medicament ...

Apparatus for collecting particulate bone, from a bone having a bone surface, for use in combination with a bone cutting or drilling tool during an osteotomy or bone drilling procedure is disclosed. The bone cutting or drilling tool has a diameter and a distal end with a bone cutting or drilling element extending distally from it. The bone cutting or drilling element has a collection module with a...

Disclosed is a tertiary benzyl amide of formula (I) or a salt, a diastereomeric mixture, an enantiomer, a tautomer, a racemic mixture, or any combination thereof, wherein: A, R1 - R3 and Z is defined in the specification and m represents 0-2, inclusive; p is an integer from 0 to 3, inclusive; Rr and Rs independently represents isopropyl or -CF3 and Rt represents hydrogen or hydroxyl.

Provided is a lantibiotic compound with a specified amino acid sequence and inter-residue bonds, as well as nucleotide sequences for the expression of the lantibiotic. The lantibiotic can be used as a medicament for bacterial infections.

Disclosed is the use of an aryl amine in the manufacture of a medicament for treating or reducing the symptoms of schizophrenia, wherein the compound is of formula 1: wherein R1, R2 and R2', R3 and Y are defined in the specification, X is CO or SO2, and q is 0 or 1; or a pharmaceutically acceptable salt thereof.

Disclosed is A nuclear reprogramming factor for a somatic cell, which comprises: an Oct family gene or gene product thereof, a KIf family gene or gene product thereof, and a Myc family gene or gene product thereof. Also disclosed is a method for preparing an induced pluripotent stem cell by nuclear reprogramming of a somatic cell, which comprises a step of contacting the said nuclear reprogramming...

A portion of tobacco 10, just enough to fill a cigarette, is separated from a compressed block of tobacco 1 by a portioning and separating system 130, 150, then filled into a cigarette tube 11. The tobacco block is transported toward the portioning and separating system to be apportioned by a transport arrangement 2.