Abstract:
Disclosed are systems and methods for preparing a financial plan for a military member eligible to receive military benefits. The systems and methods dynamically and automatically access military parameters stored in one or more data records corresponding to the military member. The military parameters, which are indicative of the one or more military benefits received by the military member, are used to develop a customized financial plan, thereby resulting in increased accuracy and consistency to provide an improved experience for the military member.

Description:
CROSS REFERENCE TO RELATED APPLICATIONS 
     This application claims benefit of priority from U.S. Provisional Application No. 60/665,338 filed Mar. 25, 2005, entitled ‘FINANCIAL PLANNING GUIDE’, which is hereby incorporated herein in its entirety. 
    
    
     This application is related to 1) U.S. patent application Ser. No. 11/413,551, filed on Apr. 28, 2006, 2) U.S. patent application Ser. No. 11/414,038, filed on Apr. 28, 2006, the disclosures of which are incorporated herein by reference in their entirety. 
     TECHNICAL FIELD 
     Various embodiments of the present disclosure pertain to information handling systems used in finance and banking applications and more particularly, to tools and techniques for providing financial planning products and services to clients receiving military benefits. 
     BACKGROUND 
     The market demand for financial planning products and services continues to expand. While a few customers may have the knowledge and expertise to plan and manage their own equity portfolios, many customers may elect to retain the services of financial experts such as a certified financial planner (CFP) and/or a personal financial advisor (PFA). Commercially available financial planning tools and services are primarily geared towards mainstream customers that have traditional assets such as IRA and/or 401K investments, company pension plans, social security benefits, life insurance policies and similar others. 
     Members of the military typically receive numerous financial benefits that are often unique to the military and may not be generally available to the mainstream clients. For example, allowances such as basic allowance for subsistence (BAS) and basic allowance for housing (BAH) and special income such as combat pay are provided to military members. Traditional financial planning tools and services, which are typically geared towards the mainstream clients, are often unable to incorporate benefit parameters that are unique to the military members. As a result, the financial planning needs of the military members are often unmet. In some cases, some financial advisors and planners, who may or may not have the expertise in military benefits, may manually develop a financial plan for military members on a case-by-case basis. Due to the complexities in the military benefits such as tax treatment of combat pay, the manually developed financial plans for the military members may be prone to error, be inaccurate and/or be outdated. 
     Accordingly, it would be desirable to provide improved financial planning tools and techniques that automatically incorporate military benefits. 
     SUMMARY 
     Various embodiments of the present disclosure are directed to systems and methods for preparing a financial plan for a military member eligible to receive military benefits. The systems and methods dynamically and automatically access military parameters stored in one or more data records corresponding to the military member. The military parameters, which are indicative of the one or more military benefits received by the military member, are used to develop a customized financial plan, thereby resulting in increased accuracy and consistency to provide an improved experience for the military member. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1   a  is a block diagram illustrating an embodiment of a system. 
         FIG. 1   b  is a block diagram illustrating an embodiment of a representative information handling system used in the system of  FIG. 1   a.    
         FIG. 2  is a block diagram illustrating a system for preparing a financial plan with military benefits, according to an embodiment. 
         FIGS. 3   a ,  3   b ,  3   c  and  3   d  illustrate exemplary user interface display screens for configuring military benefits, according to an embodiment. 
         FIG. 4  illustrates exemplary military records corresponding to some of the military benefits configured with reference to  FIGS. 3   a ,  3   b ,  3   c  and  3   d , according to an embodiment. 
         FIG. 5  is a flow chart illustrating a method for providing a financial plan with military benefits, according to an embodiment. 
     
    
    
     DETAILED DESCRIPTION 
     Referring now to  FIG. 1   a , in one embodiment, a system for financial planning  100  is illustrated. The system  100  includes a computer network  105  such as, for example, a Transport Control Protocol/Internet Protocol (TCP/IP) network (e.g., the Internet and/or an intranet). A financial institution or a provider  110  is operably coupled to the network  105 . Examples of a provider  110  may include a bank, an insurance company, a financial investment company, a brokerage firm, a broker/agent, and similar others. A plurality of users  115 ,  120 , and  125  are also operably coupled to the network  105  in order to allow communication between the users  115 ,  120 , and  125  and the provider  110 . Examples of a user may include an investor, a member of a financial institution, a financial planning advisor, a broker/agent, a potential buyer of a financial plan, a researcher, and similar others. In a particular embodiment, the user is a military member eligible to receive military benefits. 
     For clarity,  FIG. 1   a  depicts only one provider  110 . However, the system  100  may include a plurality of providers. Likewise, for clarity,  FIG. 1   a  depicts only three users  115 ,  120 , and  125 . However, the system  100  may include a plurality of users. In the discussion below, the user  115  is a representative one of the users  115 ,  120 , and  125 . 
     In a particular embodiment, the system  100  is operable to process financial transactions between various entities such as between the provider  110  and the user  115 . A financial transaction generally involves a change in the status of the financial resources of two or more entities, such as businesses and/or individuals. In an embodiment, a financial transaction may involve an exchange of financial information between two or more entities. For example, the user  115  may initiate a request to develop a customized financial plan by completing an on-line application at the provider&#39;s web site. The completed application form may include personal financial information specific to the user  115 . In an embodiment, the user  115  may complete an application in paper form. The paper form may be converted to electronic from by using well known conversion techniques such as image scanning and/or faxing. In an embodiment, the data collected in the paper form may be manually inputted via an on-line application form. Additional detail of a user interface (UI) for collecting information associated with an on-line application form is described with reference to  FIGS. 3   a ,  3   b ,  3   c  and  3   d.    
     After receiving personal financial information from the user  115 , the provider  115  may create new data records based on the user input and/or access an internal database  112  and/or an external database  108  to look up data records and/or objects containing parameters corresponding to the personal financial information provided by the user  115 . In a particular embodiment, the internal database  112  and/or the external database  108  store data records (may also be referred to as records) containing military parameters corresponding to the one or more military benefits received by a military member who may be logged on as the user  115 . In an exemplary, non-depicted embodiment, a military pay record may include military parameters corresponding to a base pay, a basic allowance for subsistence (BAS), and a basic allowance for housing (BAH) received by a military member on active duty. The military pay record for the military member may be stored in the internal database  112  and/or the external database  108 . In a particular embodiment, the databases  112  and  108  may be implemented as a relational database, as an object oriented database and/or a combination thereof. 
     A financial plan  114  is prepared by the provider  110  for the benefit of the user  115  by using the personal financial information provided as input. The financial plan  114  may be provided to the user  115  via the network  105  and/or in person. Additional detail of the financial plan  114  is described with reference to  FIG. 2 . 
     Each one of the users  115 ,  120 , and  125  and the provider  110  includes a respective network interface for communicating with the network  105  (e.g., outputting information to, and receiving information from, the network  105 ), such as by transferring information (e.g., instructions, data, signals) between such users and the network  105 . Accordingly, through the network  105 , the provider  110  communicates with the users  115 ,  120 , and  125 , and the users  115 ,  120 , and  125  communicate with the provider  110 . 
     Each one of the users  115 ,  120 , and  125  and the provider  110  includes a respective information handling system (IHS), a subsystem, or a part of a subsystem for executing processes and performing operations (e.g., processing or communicating information) in response thereto, as discussed further below. Each such IHS is formed by various electronic circuitry components. Moreover, as illustrated in  FIG. 1   a , such IHS&#39;s may be coupled to each other. Accordingly, the provider  110  and the users  115 ,  120 , and  125  operate within the network  105 . 
     An IHS is an electronic device capable of processing, executing or otherwise handling information. Examples of an IHS include a server computer, a personal computer (e.g., a desktop computer or a portable computer such as, for example, a laptop computer), or a handheld computer. Examples of an IHS also include a router, a switch and other devices coupled to a network (e.g. the network  105 ). 
     Referring now to  FIG. 1   b , an IHS  130  which is representative of one of the IHS&#39;s described above, is illustrated. The IHS  130  may include any or all of the following: (a) a processor  130   a  for executing and otherwise processing instructions, (b) a plurality of input devices  130   b , which are operably coupled to the processor  130   a , for inputting information, (c) a display device  130   c  (e.g., a conventional electronic cathode ray tub (CRT) device or a conventional liquid crystal display (LCD)), which is operably coupled to the processor  130   a , for displaying information, (d) a print device  130   d  (e.g. a conventional electronic printer or plotter), which is operably coupled to the processor  130   a , for printing visual images (e.g., textual or graphic information on paper), (e) a computer readable medium  130   e , which is operably coupled to the processor  130   a , for storing information, as discussed further below, and (f) various other electronic circuitry for performing other operations of the IHS  130  known in the art. 
     For example, the IHS  130  includes (a) a network interface (e.g., circuitry) for communicating between the processor  130   a  and the network  105  and (b) a memory device (e.g., random access memory (RAM) device or read only memory (ROM) device for storing information (e.g., instructions executed by processor  130   a  and data operated upon by processor  130   a  in response to such instructions)). Accordingly the processor  130   a  is operably coupled to the network  105 , the input devices  130   b , the display device  130   c , the print device  130   d , and the computer readable medium  130   e , as illustrated in  FIG. 1   b.    
     For example, in response to signals from the processor  130   a , the display device  130   c  displays visual images. Information may be input to the processor  130   a  from the input devices  130   b , and the processor  130   a  may receive such information from the input devices  130   b . Also, in response to signals from the processor  130   a , the print device  130   d  prints visual images on paper. 
     The input devices include a variety of input devices known in the art such as, for example, a conventional electronic keyboard and a pointing device such as, for example, a conventional electronic “mouse”, rollerball, or light pen. The keyboard may be operated to input alphanumeric text information to the processor  130   a , and the processor  130   a  may receive such alphanumeric text information from the keyboard. The pointing device may be operated to input cursor-control information to the processor  130   a , and the processor  130   a  may receive such cursor control information from the pointing device. 
     In an exemplary, non-depicted embodiment, the IHS  130  includes an operating system (OS). The OS is a type of software program that controls execution of other software programs, referred to as application software programs. Each software program includes a plurality of instructions executable by the processor  130   a . In various embodiments the instructions and/or software programs may be implemented in various ways, including procedure-based techniques, component-based techniques, and/or object-oriented techniques, among others. Examples include assembler, C, XML, C++ objects, Java and Microsoft&#39;s NET technology. 
     The computer readable medium  130   e  and the processor  130   a  are structurally and functionally interrelated with one another as described below in further detail. Each IHS of the illustrative embodiment is structurally and functionally interrelated with a respective computer readable medium, similar to the manner in which the processor  130   a  is structurally and functionally interrelated with the comptuer readable medium  130   e . In that regard, the computer readable medium  130   e  is a representative one of such computer readable media including, for example, but not limited to, a hard disk drive. 
     The computer readable medium  130   e  stores (e.g., encodes, records, or embodies) functional descriptive material (e.g., including but not limited to software (also referred to as computer programs or applications) or data structures). Such functional descriptive material imparts functionality when encoded on the computer readable medium  130   e . Also, such functional descriptive material is structurally and functionally interrelated to the computer readable medium  130   e.    
     With such functional descriptive material, data structures define structural and functional interrelationships between such data structures and the computer readable medium  130   e  (and other aspects of the system  100 ). Such interrelationships permit the data structures&#39; functionality to be realized. Also, within such functional descriptive material, computer programs define structural and functional interrelationships between such computer programs and the computer readable medium  130   e  (and other aspects of the system  100 ). Such interrelationships permit the computer programs&#39; functionality to be realized. 
     For example, the processor  130   a  reads (e.g., accesses or copies) such functional descriptive material from the computer readable medium  130   e  onto the memory device of the IHS  130 , and the IHS  130  (more particularly, the processor  130   a ) performs its operations (as described elsewhere herein) in response to such material which is stored in the memory device of the IHS  130 . More particularly, the processor  130   a  performs the operation of processing a computer application (that is stored, encoded, recorded, or embodied on a computer readable medium) for causing the processor  130   a  to perform additional operations (as described elsewhere herein). Accordingly, such functional descriptive material exhibits a functional interrelationship with the way in which processor  130   a  executes its processes and performs its operations. 
     Further, the computer readable medium  130   e  is an apparatus from which the computer application is accessible by the processor  130   a , and the computer application is processable by the processor  130   a  for causing the processor  130   a  to perform such additional operations. In addition to reading such functional descriptive material from the computer readable medium  130   e , the processor  130   a  is capable of reading such functional descriptive material from (or through) the network  105  which is also a computer readable medium (or apparatus). Moreover, the memory device of the IHS  130  is itself a computer readable medium (or apparatus). 
       FIG. 2  is a block diagram illustrating a system  200  for preparing a financial plan with military benefits, according to an embodiment. In the depicted embodiment, the system  200  includes a provider  210 , such as a financial institution and/or one of its agents, communicating with a member  230  to provide customized financial planning products and services, which include military benefits. In a particular embodiment, the provider  210  is substantially the same as the provider  110  and the member  230  is substantially the same as the user  115  described with reference to  FIG. 1   a  and  1   b.    
     In the depicted embodiment, the system  200  includes an input module  240  operable to receive a plurality of inputs  242  and generate a plurality of records  244 . In an exemplary, non-depicted embodiment, the plurality of records  244  may be created independent of the plurality of inputs, e.g., by importing data from external sources. The system  200  also includes a plurality of financial planning modules  250 , which are coupled to the input module  240  to receive the plurality of inputs  242  and coupled to the plurality of records  244 . The plurality of financial planning modules  250  provide a plurality of outputs  262  including a customized financial plan  264  with military benefits. 
     In a particular embodiment, the input module  240  is a front end interface program such as a web based user interface (UI) program and/or a paper questionnaire to interact with a financial planner/advisor and/or the member  230  and collect the plurality of inputs  242 . In another embodiment, the input module  240  is a military benefits module for interacting with the member  230  and generating a plurality of military records included in the plurality of records  244 . 
     In a particular embodiment, the financial plan  264  is substantially the same as the financial plan  114  described with reference to  FIG. 1   a . As described herein, the financial plan  264  is a document that describes how a member may achieve one or more financial goals through management of financial resources. Specifically, the financial plan  264  suggests a series of steps the member  230  may undertake in the future to meet the stated goals by using the member&#39;s financial resources, including past, present and future financial assets. In a particular embodiment, the member  230  is also a military member and is eligible to receive military benefits. The military benefits represent at least one of the past, present and future financial assets of the member  230  and are therefore automatically and accurately included in the preparation of the financial plan  264 . 
     In an exemplary, non-depicted embodiment, the system  200  may include a plurality of providers and clients/users/members. In a particular embodiment, the provider  210  is coupled to the member  230  via the network  105 . At least a portion of the financial transactions between the provider  210  and the member  230  such as preparation of the financial plan  264  in response to submittal of an application by the member  230  take place electronically via the network  105 . 
     In a particular embodiment, the plurality of inputs  242  are used by the input module  240  to define, create and/or populate the plurality of records  244 . In an embodiment, at least one of the plurality of records  244  is automatically generated in response to receiving the plurality of inputs  242  and at least one of the plurality of records  244  contains military parameters that are indicative of military benefits. The plurality of records  244  may be stored in look up tables and/or software objects in the internal database  112  and/or the external database  108 . The look up tables and/or software objects may be configured to be automatically updated or refreshed to include current, accurate data. A military parameter, attribute or a property may be described as a quantifiable characteristic or feature of a military benefit. In a particular embodiment, a military pay record of a military member on active duty may include military pay parameters such as a base pay, a basic allowance for subsistence (BAS), and a basic allowance for housing (BAH). Additional details of exemplary military records are described with reference to  FIG. 4 . 
     In a particular embodiment, the plurality of records  244  corresponding to the member  230  may be accessed by providing a particular key such as a social security number and/or member identification (ID) number that is unique to the member  230 . In an exemplary, non-depicted embodiment, the input module  240  may create a personal identification record of the member  230  when the member initially applies for a membership of the provider  210 . The personal identification record may be created based on member responses to a questionnaire and/or an application form. In an exemplary, non-depicted embodiment, the plurality of inputs  242  and/or the plurality of records  244  may be received from various sources in addition to the member  230  such as the internal database  112  and/or the external database  108 , and other Internet sources. Additional details of user interface display screens used to collect the plurality of inputs  242  are described with reference to  FIGS. 3   a ,  3   b ,  3   c  and  3   d.    
     The personal identification record may include information such as full legal name, address, phone number, social security number, military duty status, and similar others. In a particular embodiment, additional military records indicating the military benefits may be automatically generated by the input module  240  and stored in the plurality of records  244  based on the personal identification information provided. For example, military income may be automatically and accurately derived based on current rank and years in service input. Similarly, expected military retirement pay may be automatically and accurately derived based on planned military retirement age and retirement pay grade (rank) inputs. 
     In the depicted embodiment, the plurality of financial planning modules  250  are executable to generate the plurality of outputs  262  in response to receiving the plurality of inputs  242  from the input module  240  and accessing the plurality of records  244 . In a particular embodiment, the plurality of outputs  262  is customized for the member  230 . The financial plan  264  may include one or more sub-plans to achieve specific financial objectives such as a plan for retirement, a plan for a college education, a life insurance plan and similar others that may be of interest to and/or relevant to the member  230 . Each one of the plurality of financial planning modules  250  is executable to generate a sub-plan. That is, each one of the plurality of financial planning mothiles  250  is executable to provide an output included in the plurality of outputs  262 . The plurality of outputs  262  may be provided in various forms such as a printed output, a display output and an electronic file output. 
     To generate the sub-plans, the plurality of financial planning modules  250  may include a personal goal planning module, a retirement planning module (with CSB/Redux, High-3, Final Pay), an estate planning module, an asset allocation module, a liability reduction module, a life insurance module, a health insurance module, a disability insurance module, a thrift savings plan (TSP) module, a property and casualty insurance module and similar others. Additional examples of financial planning modules may include a death gratuity module, a spousal dependents indemnity compensation (DIC) module, a children dependents indemnity compensation (DIC) module, a disability benefits module, a TRICARE health insurance module, and a survivor benefit plan (SBP) module. Selection of the particular modules from the plurality of financial planning modules  250  may depend on the specific financial objectives relevant to the member  230 . Each one of the plurality of financial planning modules  250  may access military records containing military parameters corresponding to the member  230 . 
       FIGS. 3   a ,  3   b ,  3   c  and  3   d  illustrate exemplary user interface display screens for configuring military benefits, according to an embodiment. As described earlier, the input module  240  interfaces with the financial planners/advisors via a series of display screens  300 ,  310 ,  320  and  330  to receive at least one of the plurality of inputs  240 . As described earlier, the financial planners/advisors may work in conjunction with the members  230  to interact with the display screens  300 ,  310 ,  320  and  330 . In order to determine the eligibility of the member  230  to receive military benefits, a particular value for a military status  302  parameter is selected by the member  230 . In a particular embodiment, the selectable values for the military status  302  parameter may include non-military, active duty, reserve duty, retired military and other military (selectable from a pull-down menu  304 ). Depending on the members&#39; selection of the military status  302  parameter, the input module  240  displays one of the display screens  310 ,  320  or  330 . For example, if the member  230  selects active duty, then military benefits and parameters relevant to the active duty selection are automatically displayed on the display screen  310  for user input. An income record  306  corresponding to the military member having the active duty status include selections for a base pay, a basic allowance for subsistence (BAS), and a basic allowance for housing (BAH). Similarly, if the member  230  selects reserve duty, then military benefits and parameters relevant to the reserve duty selection are automatically displayed on the display screen  320  for user input. An income record  322  for the reserve duty selection includes a base pay selection. Display screen  330  is displayed in response to selecting retired military. A pension record  332  corresponding to the military member having the retired military status include a gross monthly pension income selection. The input module  240  collects inputs from the member  230  and generates the plurality of records  244 . 
       FIG. 4  illustrates exemplary military records corresponding to some of the military benefits configured with reference to  FIGS. 3   a ,  3   b ,  3   c  and  3   d , according to an embodiment. As described earlier, at least one of the plurality of records  244  includes a military record. In the depicted embodiment, the plurality of records  244  include a military status record  410 , an active duty military record  420 , a reserve duty military record  430  and a retired military record  440 . Although not shown, the plurality of records  244  may include several other types of military as well as non-military records. For example, an expense record may be provided for insurance premiums. The expense record may be created for all military statuses including active duty, reserve duty and retired military. 
     The military status record  410  includes a member identifier parameter  412  (which may be used as a key) and a corresponding military status parameter  414 . The military status record  410  may include a plurality of entries, e.g., one for each member. As described earlier, the permissible values for the military status parameter  414  is selectable to be one of non-military, active duty, reserve duty, retired military and other military. 
     In a particular embodiment, an active duty military record  420  includes a member identifier parameter  412  (which may be used as a key), an active duty benefit record  422 , an income record  424 , a pension record  426 , an insurance record  428  and a thrift savings plan (TSP) record  430 . Each one of the records  422 ,  424 ,  426 ,  428  and  430  includes one or more military parameters. In the depicted embodiment, the active duty benefit record  422  includes a pay grade  432  (as a user selectable value), years of service  434 , expected retirement pay grade  436  (as a user selectable value) and expected military retirement date  438 . 
     In a particular embodiment, a reserve duty military record  430  includes a member identifier parameter  412  (which may be used as a key), a reserve duty benefit record  452 , an income record  454 , a pension record  456 , an insurance record  458  and a thrift savings plan record  460 . Each one of the records  452 ,  454 ,  456 ,  458  and  460  includes one or more military parameters. The number of military parameters included in the income record  454  (which is substantially the same as the income record  322  described with reference to  FIG. 3   c ) for reserve duty may vary from the income record  424  (which is substantially the same as the income record  306  described with reference to  FIG. 3   b ) for active duty. For example, the income record  422  for reserve duty may only include a base pay  472  compared to a base pay, a BAH pay and a BAS pay for the income record  424  for active duty. 
     In a particular embodiment, a retired military record  440  includes a member identifier parameter  412  (which may be used as a key), a retired military benefits record  442 , a pension record  486 , and an insurance record  488 . Each one of the records  442 ,  486  and  488  includes one or more military parameters. The number of military parameters included in the pension record  486  for retired military may vary from the pension record  424  for active duty. For example, the pension record  426  for active duty may include a retirement plan selection parameter, whereas the pension record  486  (which is substantially the same as the pension record  332  described with reference to  FIG. 3   d ) for retired military may include a gross monthly pension income  490 . 
       FIG. 5  is a flow chart illustrating a method for providing a financial plan with military benefits, according to an embodiment. In a particular embodiment, the financial plan is substantially the same as the financial plan  264  described with reference to  FIG. 2 . In an embodiment, the method for providing the financial plan is implemented using the system  100  and the computer readable medium  130   e  described with reference to  FIGS. 1   a  and  1   b . In another embodiment, the method for providing the financial plan is implemented using the system  200  described with reference to  FIG. 2 . 
     In step  510 , a plurality of inputs are received from a member. In step  520 , a plurality of data records, e.g., the plurality of records  244 , are prepared in response to the plurality of inputs. The plurality of data records are accessible by using a key such as a personal identification record corresponding to a military member eligible to receive military benefits. The plurality of data records also include military parameters indicative of the military benefits. In step  530 , at least one of a plurality of financial planning modules is executed to generate the financial plan. Military parameters stored in the plurality of the data records corresponding to the personal identification record are accessed to prepare a customized financial plan for the member. 
     Various steps described above may be added, omitted, combined, altered, or performed in different orders. For example, in a particular embodiment, step  540  may be added to display and/or print the financial plan. In step  540 , the financial plan is output, e.g., displayed and/or printed, for the benefit of the member. 
     Although illustrative embodiments have been shown and described, a wide range of modification, change and substitution is contemplated in the foregoing disclosure and in some instances, some features of the embodiments may be employed without a corresponding use of other features. Those of ordinary skill in the art will appreciate that the hardware, software and methods illustrated herein may vary depending on the implementation. For example, it should be understood that while the various embodiments describe development of a financial plan with military benefits, it would be within the spirit and scope of the invention to encompass an embodiment with other forms of non-military benefits, e.g., civilian employees participating in the Federal civil service retirement system (CSRS). 
     The methods and systems described herein provide for an adaptable implementation. Although certain embodiments have been described using specific examples, it will be apparent to those skilled in the art that the invention is not limited to these few examples. The benefits, advantages, solutions to problems, and any element(s) that may cause any benefit, advantage, or solution to occur or become more pronounced are not to be construed as a critical, required, or an essential feature or element of the present disclosure. 
     The above disclosed subject matter is to be considered illustrative, and not restrictive, and the appended claims are intended to cover all such modifications, enhancements, and other embodiments which fall within the true spirit and scope of the present invention. Thus, to the maximum extent allowed by law, the scope of the present invention is to be determined by the broadest permissible interpretation of the following claims and their equivalents, and shall not be restricted or limited by the foregoing detailed description.