A method for evaluating financial plans includes the steps of defining personal information (102) and account properties (104) and opening balances of each account (108). The opening balances represent the actual present values of the accounts. A planned contribution of each account (110) and planned retirement distributions (112) and withdrawal information (116) are then defined by the user. Allo...

A method and system for communicating insurance related services between an insured and an insurer through an Internet communication scheme includes a processing system for processing acquired event and sensored data to compute the cost of insurance for the same period as the data is acquired. An enhanced Internet communication scheme provides an insured access to the acquired data and its process...

In a method and apparatus for the electronic distribution of digitized information on demand, remote and/or local mass data stores are used to store digitized information for use in the generation of products such as software media. Available products and related information can be searched, browsed and requested at a local fulfillment unit; or requests can be made remotely. The products generated...

A charging method, including maintaining a record of content of a communications network accessed by a user of the network, determining on the basis of the record a charge for an affiliate based on access of content associated with the affiliate, and determining on the basis of the record a charge for the user based on access of other content of the record.

A computer implemented transaction system includes a server configured to host a World Wide Web site. The system has an interface for accepting inputs from visitors to the site, an input comprising an offer of, or a request for, a product or service classified according to a plurality (n) of predetermined criteria, an n-dimensional database for storing inputted offers or requests according to thei...

The present invention is of a cementitious composition containing Ordinary Portland Cement (OPC), calcined gypsum, a source of amorphous silica and a source of amorphous alumina. The ratio of calcium sulfate hemihydrate to OPC is 0.7:1.0 to 1.8:1.0, the ratio of amorphous silica and amorphous alumina to OPC is 0.26:1.0 to 0.4:1.0, and the ratio of amorphous alumina to amorphous silica is 0.3:1.0 t...

A composite electroconducting material that can be used as electrothermal element in a wide range of applications, without affecting its physical characteristics because of high temperatures and operative conditions, comprises quick cement as binder, colloidal graphite as electroconducting component and an antiplastic substance, e.g., chamotte, diabase, quartz sand or mixtures thereof, as thermall...

There are provided powder-free polymer coated rubber articles, particularly rubber gloves, coated with a non-tacky acrylic based emulsion copolymer formed by polymerization of at least one low surface energy monomer, at least one alkyl acrylate and at least one hard monomer. The copolymers are preferably formed by sequential polymerization. This provides improved properties versus the conventional...

A method of forming a silicate dielectric having superior electrical properties comprising forming a metal oxide layer on a Si-containing semiconductor material and reacting the metal oxide with the underlying Si-containing material in the presence of an oxidizing gas is provided. Semiconductor structures comprising the metal silicate formed over a SiO2 layer are also disclosed herein.

The semiconductor integrated circuit has a TaN layer as a trimming device. Current trimming and laser trimming can be performed on this TaN layer. A part of a metal wiring layer is removed to expose a TaN layer functioning as a metal barrier of the metal wiring layer provided on the TaN layer, thereby obtaining a TaN single layer portion. The TaN single layer portion is used as a resistor for trim...

The subject of the present invention is to provide an emulsion powder with redispersibility suitable for use in a mixed cement mixing formula, powdery paint and powdery adhesive etc., especially suitable for use as a mixing formula of super-quick hardening cement, between which and inorganic fillers or polyvalent inorganic salts etc. used in civil/building respects exhibits excellent mixing proper...

A system and method for processing operations that use data vectors each comprising a plurality of data elements, in accordance with the present invention, includes a vector data file comprising a plurality of storage elements for storing data elements of the data vectors. A pointer array is coupled by a bus to the vector data file. The pointer array includes a plurality of entries wherein each en...

From raw image data obtained through magnetic resonance imaging or the like, an object is reconstructed and visualized in four dimensions (both space and time) by first dividing the first image in the sequence of images into regions through statistical estimation of the mean value and variance of the image data and joining of picture elements (voxels) that are sufficiently similar and then extrapo...

There is described a packing item (2), especially for prebaked and/or frozen dough items, e.g. pizzas, calzones, and pies, which packing item (2) at the side facing the dough item is provided with a so-called susceptor coating, for example consisting of a polyester coated, patterned metallizing or metal coating where a bottom part (4) of the packing item (2) is designed with a number of ventilatio...

The invention relates to an electric drive for a motor vehicle, in particular for a multi-track electromobile. For this a housing (1) fixed relative to the vehicle structure or the vehicle frame is provided, wherein in said housing (1) a motor frame (6) with a stator (5) and a rotor (4) provided in the motor frame (6) are mounted rotatably respectively. The motor frame (6) and the rotor (4) rotate...

Composition whereby ceramic manufactured articles are coloured in shades from pink to purple to violet, said composition consisting of a monovalent gold thiolate water solution or mixture of water with a water soluble organic solvent according to the following formulas Au-S-R-X and Au-S-R-H, where R stands for a linear or branched bivalent radical of aliphatic or aromatic or cycloaliphatic or hete...

This invention provides a method of conducting a simultaneous chemical reaction and controlled crystallization of the product employing impinging fluid jet streams containing reactants capable of producing the product with desired particle size characteristics.

The object of the present invention is to improve the motion detection accuracy. A moving region discriminator of a motion detector circuit utilizes the field differential value and three frame differential values a through c to detect a moving region while also taking scene change, device mode information and line differential values into account. Frame differential values b and c are calculated ...

The present invention discloses sector-based redundancy that is capable of making repairs using a plurality of redundant columns of memory cells in a dual bank memory device during simultaneous operation. The simultaneous operation memory device includes a plurality of redundant blocks that can be configured to be located in an upper bank or a sliding lower bank. The redundant blocks are comprised...

A directory-based multi-processor computer system is provided with a mechanism for tolerating errors by providing the capability of checking data for errors and, if an error is detected, determining if another valid copy of the data is in the system. If another copy of the data is available, then the data is provided to the processor/memory controller that requested the data, without the need to g...