Patent Publication Number: US-2013238514-A1

Title: System for the interchange of garnishment requests and responses among collection attorneys and potential garnishees

Description:
RELATED APPLICATION  
     This application claims priority to U.S. Provisional Application Ser. No. 61/607,972, filed Mar. 7, 2012, entitled “A SYSTEM FOR THE INTERCHANGE OF GARNISHMENT REQUESTS AND RESPONSES AMONG COLLECTION ATTORNEYS AND POTENTIAL GARNISHEES”, which is incorporated herein by reference in its entirety. 
    
    
     FIELD  
     The present invention relates generally to the collection, validation, harmonization, and distribution of summonses, orders, demands, or requests of attachment (“garnishments”) of assets held in a bank or other financial institution or of wages earned, or to be earned, but not yet disbursed and the collection, validation and distribution of affirmative and negative responses to those orders. Specifically, the invention relates to methods and apparatus for electronic collection of account or wage garnishment information; translation of the information into a common format; notification of pending garnishments; a combination of interfaces, both machine (including batch and interactive) and human, for recipients to review and respond to the garnishments; the collection and validation of these responses; and the distribution of these responses to the entities which originally provided the garnishment. 
     BACKGROUND  
     If a creditor wishes to collect a court-ordered judgment from a particular individual, the creditor may obtain an order directing a third party which holds or owes, or expects to hold or owe, funds to the particular individual, subject to the specific considerations of various state laws, and garnish those funds. Often the most common sorts of third parties to whom these garnishments are directed are banks or other deposit-holding financial institutions, and individuals&#39; presumed employers. Depending on the laws of the state in which the garnishment is being pursued as well as the accuracy of any information the creditor has obtained regarding an individual&#39;s active banking and employment relationships, the garnishment may be directed to one or more third parties for response. 
     These garnishments can then be reviewed by the putative garnishee who can then take appropriate action, the specific details of which vary across jurisdiction, but which generally include verifying that the individual in question is an account holder or employee and that funds in that account or wages are properly subject to garnishment, embargoing those funds or some portion of those wages subject to the possibility of future release to the creditor, notifying the individual of the garnishment of the funds or wages, and notifying the creditor of the results of the aforementioned actions. The putative garnishee is required to respond to all attempts to garnish, in a timely manner as defined by the jurisdiction governing the attempted garnishment, meaning that larger institutions must often comply with the rules of multiple jurisdictions within a single operation (e.g., a single back-office operation). 
     Each of the parties can independently keep track of their portions of the above process, which has historically been implemented via paper-based systems. Banks and employers having account holders and employees in multiple jurisdictions are faced with complying with rules, which vary from jurisdiction to jurisdiction. These factors render the process complex and difficult to manage for all parties involved. 
     The Minnesota Department of Revenue provides an electronic portal for banks to acquire garnishments for unpaid state taxes. The Michigan Department of Revenue provides a way for creditor garnishments to be taken out of state tax refunds. 
     SUMMARY  
     A data processor at a central location includes a central processing unit, a receiving component to receive garnishments, an importer which writes the garnishments to a central database, a transmitting component which sends the garnishments to participating garnishees, a second receiving component to receive responses to garnishments, a validation component to insure the responses meet basic standards of compliance and completeness, a business rules engine within the validation component to apply jurisdiction-specific standards to the validation, a second importer which writes the garnishee responses to the central database, and a second transmitting component. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1A  is a block diagram of a network for managing the delivery of a response to garnishments for a plurality of collection attorneys and garnishees, in accordance with an example embodiment. 
         FIG. 1B  is a block diagram of an example of a central server, according to an example embodiment. 
         FIG. 2  is a flow chart illustrating the collection, standardization, validation and storage of garnishment data in a central database, according to an example embodiment. 
         FIG. 3  is a flow chart illustrating a method of reviewing and responding to garnishments, according to an example embodiment. 
         FIG. 4  is a flow chart illustrating a method of facilitating the automated electronic processing of garnishments by integrating with a system at a financial institution, employer, or other entity, according to an example embodiment. 
         FIG. 5  is a flow chart illustrating a method of reviewing and responding to garnishments, according to another example embodiment. 
         FIG. 6  is a block diagram of a computer system suitable for executing methods and implementing servers and clients, according to an example embodiment. 
     
    
    
     DETAILED DESCRIPTION 
     In the following description, reference is made to the accompanying drawings that form a part hereof, and in which is shown by way of illustration specific embodiments which may be practiced. These embodiments are described in sufficient detail to enable those skilled in the art to practice the invention, and it is to be understood that other embodiments may be utilized and that structural, logical and electrical changes may be made without departing from the scope of the present invention. The following description of example embodiments is, therefore, not to be taken in a limited sense, and the scope of the present invention is defined by the appended claims. 
     The functions or algorithms described herein may be implemented in software or a combination of software and human implemented procedures in one or more embodiments. The software may consist of computer executable instructions stored on computer readable media such as memory or other type of storage devices. Further, such functions correspond to modules, which are software stored on storage devices, hardware, firmware or any combination thereof. Multiple functions may be performed in one or more modules as desired, and the embodiments described are merely examples. The software may be executed on a digital signal processor, ASIC, microprocessor, or other type of processor operating on a computer system, such as a personal computer, server or other computer system. 
       FIG. 1A  depicts an example embodiment of a system  100  that can include a network  109  (e.g., the Internet) connecting one central server  104  with one or more servers operated by a plurality of collection attorneys  106 , one or more servers operated by a plurality of garnishees  107 , and manifold web clients used by collection attorneys  105  and garnishees  108 . The central server  104  maintains a collection of cross-industry configuration data including jurisdiction-specific rules and document templates  101 , a master database of garnishees  102 , and a master database of collection attorneys  103 . 
     In various embodiments, the garnishees are banks or financial institutions holding assets of a person who has a judgment against them. Garnishees may also include employers of such person. The garnishments are directed toward the assets, or wages earned, or to be earned, but not yet disbursed. The rules encapsulated at  101  may vary from state to state, and relate to whether or not garnishment may be limited by various constraints such as minimum wage or asset amounts, and other restrictions imposed by individual states. While the various constraints in each state are well known, it can be complex to determine the constraints when confronted with multiple garnishment requests for multiple employees or asset holders from different states. 
       FIG. 1B  depicts an example of a central server  104  (e.g., a data processor at a central location), according to an example embodiment. The central server  104  can include a central processing unit  110 , a first receiving component  111  to receive garnishments from submitters (e.g., garnishee  107  or collection attorney  106 ), an importer  112  to write the garnishments to a central database (e.g., a memory of the central server  104 ), a first transmitting component  113  to send the garnishments to participating garnishees  107 . The central server  104  can include a second receiving component  114  to receive responses to garnishments, a validation component  115  to insure the responses meet basic standards of compliance and completeness, a business rules engine  116  within the validation component to apply jurisdiction-specific standards to the validation (e.g., jurisdiction-specific rules and document templates  101 ). The central server  104  can include a second importer  117  to write the responses to the central database, and a second transmitting component  118  to send completed responses to the original submitters of the garnishments. 
     At least one of the first or second receiving components  111  or  114  can be configured to receive batch files. At least one of the first or second receiving components  111  or  114  can implement a possibly interactive machine-to-machine communication protocol (e.g., can communicate over Ethernet, Transmission Control Protocol (TCP), Internet Protocol (IP), File Transfer Protocol (FTP), HyperText Transfer Protocol (HTTP), Simple Object Access Protocol (SOAP), a secure version thereof, a combination thereof, or other communication protocol that allows for transfer of data from one machine to another machine). At least one of the first or second receiving components  111  or  114  can receive direct user input via a user interface provided as part of the central server  104 . 
     At least one of the first or second transmitting components  113  or  118  can be configured to transmit batch files. At least one of the first or second transmitting components  113  or  118  can be configured to implement a possibly interactive machine-to-machine communication protocol. At least one of the first or second transmitting components  113  or  118  can be configured to direct user input via a user interface provided as part of the central server  104 . 
     The first receiving component  111  and the first transmitting component  113  can receive and transmit, respectively, data with an indicator to relate the electronic description of the garnishment to a paper version of the garnishment order. The paper version of the garnishment order can be conveyed to the garnishee, such as through sending an electronic copy of the paper version to the garnishee or mailing the paper version to the garnishee. Conveying the garnishment order to the garnishee can be accomplished via a separate system or as an attachment to or an enclosure that is part of an electronic communication to the garnishee. 
       FIG. 2  depicts an example embodiment of a process  200  for aggregating garnishments in a central server. This process begins with the detection and validation of an authorized submitter of garnishments  201  by a plurality of potential methods including one or more of user credentials, access method, originating network location, or other such methods of user identification and validation which are known to those skilled in the art. After establishing an authorized and validated connection, inbound garnishments can be received  202  as individual orders or as a plurality of orders in a batch. Garnishments may be identified uniquely by a synthetic code comprised of two elements. The first element may be a central server  104  assigned code associated with a collection attorney  106  sending the garnishment. The second element of the synthetic code may be the collection attorney&#39;s internal code (aka file number) for the garnishment. 
     In one or more embodiments, the submitted garnishments can include data in at least two areas. A first area includes data elements that appear in a garnishment such as the name of the garnishee, an identifier such as the social security number of the person being subjected to garnishment, and other information as desired. The second area includes data elements that appear on the disclosure of the garnishment, such as the date of the response, who made the response, and the content of the response. The content of the response may be variable based on the nature of the response as well as the applicable jurisdiction. Other information may be included in further embodiments to aid with processing and tracking of the garnishments. 
     The submitted garnishments can be standardized via one or more methods of data conversion or transformation  203  any of which would be familiar to those skilled in the art. Submitted garnishments which are unable to be standardized  206  can be added to an error queue. The standardized garnishments can be validated  204  against a set of general rules as well as rules specific to the jurisdiction of the specific garnishment order. Submitted garnishments which are unable to be validated  207  can be added to the error queue. Validated garnishments can then be written to the garnishment database  205 . At  208 , the system can transmit the results of the process to the original sender of the garnishment orders, including the contents, if any, of the error queue. 
       FIG. 3  depicts one or more embodiments of a process  300  for a garnishee to receive garnishments and respond to those orders via a web client such as a browser. This process can begin with the detection and validation of an authorized responder to garnishments  301  by a plurality of potential methods including one or more of user credentials, access method, originating network location, or other such methods of user identification and validation which are known to those skilled in the art. The user can then be presented with  302  a list of pending garnishments directed to the entity with which the active user is affiliated. By activating an item from this list the user can be presented with  303  the details of that garnishment and controls for responding to the garnishment. The system can dynamically configure the display and data capture elements of the response screen  304  based on jurisdiction-specific rules and requirements. The user can complete the response form and submit it  305  after which time the response can be validated and the user can be provided an opportunity  308  to amend the responses if the validation failed, after which time the can could be resubmitted. If this response was successfully validated, the response can be stored in the central database  306 . The response can be transmitted to the applicable collection attorney  307 , such as through the electronic network shown in  FIG. 1 . 
       FIG. 4  depicts one or more embodiments of a process  400  for a garnishee to receive garnishments and respond to those orders via machine-to-machine communication. This process can begin with the detection and validation of an authorized responder to garnishments  401  by a plurality of potential methods including one or more of user credentials, access method, originating network location, or other such methods of user identification and validation which are known to those skilled in the art. In response thereto, the system can  402  generate a selection of pending garnishments directed to the recipient and  403  apply any recipient-specific conversions or transformations of the data to facilitate processing by the recipient. The system can, after such time.  404  transmit the recipient-specific electronic representation of the pending garnishment orders. The recipient&#39;s systems can  405  process the pending garnishments against the recipient&#39;s other internal systems to automatically apply so-called “negative responses” to applicable garnishments and can transmit the processed results back to the central server  104 . The central server  104  can then  406  apply a recipient-specific transformation to the response received to allow for standardized processing. The central server  104  then  407  process these standardized responses by updating a central database (e.g., the jurisdiction-specific rules and document templates  101 , the master database of garnishees  102 , or the master database of collection attorneys  103  of  FIG. 1 ) with the responses, including marking garnishments thus responded to as no longer pending, such that they will not be presented for further processing by the garnishee  107 . Finally, the response will be transmitted  408  to the applicable collection attorney  106  via the electronic network. 
       FIG. 5  depicts one or more embodiments of a process  500  for a garnishee  107  to respond to garnishments via a web client such as a browser. This process can begin  501  with a collection attorney  107  attaching a unique garnishment identifier to garnishments being delivered by conventional processes such as postal mail. The recipient garnishee can visit the website to which they are directed  502  in other narrative on the garnishment or attached cover material. The recipient garnishee can then  503  enter the unique garnishment identifier at the website and submit it to the central server  104 . The user&#39;s credentials can be requested and verified if they had not already logged into the system  504 . If the user does not have login credentials, they can be provided a registration facility to establish those credentials, such as quick and efficiently. If a matching garnishment exists in the central server  104 , the user can be presented with redacted information about the individual toward whom the garnishment is directed to allow the garnishee to verify that they are responding to the correct garnishment  505 . The system can dynamically configure the display and data capture elements of the response screen  506  based on jurisdiction-specific rules and requirements. The user can complete the response form and submit it  507  after which time the response can be validated and the user can be provided an opportunity  510  to amend the responses if the validation failed, after which time the response can be resubmitted. If this response was successfully validated, the response can be stored in the central database  508 . The response can be transmitted  509  to the applicable collection attorney  106  via the electronic network (e.g., one or more items of the system  100  shown in  FIG. 1 ). 
       FIG. 6  is a block diagram of a computer system  600  to implement the described methods, according to an example embodiment. Any of the servers or computers mentioned herein In the embodiment shown in  FIG. 6 , a hardware and operating environment is provided that can be applicable to any of the servers and clients shown in the other Figures. All the components shown in  FIG. 6  need not be included in various implementations. 
     As shown in  FIG. 6 , one or more embodiments of the hardware and operating environment can include a general purpose computing device in the form of a computer  600  (e.g., a personal computer, workstation, or server), including one or more processing units  621 , a system memory  622 , and a system bus  623  that operatively couples various system components including the system memory  622  to the processing unit  621 . There may be only one or there may be more than one processing unit  621 , such that the processor of computer  600  comprises a single central-processing unit (CPU), or a plurality of processing units, commonly referred to as a multiprocessor or parallel-processor environment. In various embodiments, computer  600  can be a conventional computer, a distributed computer, or any other type of computer. 
     The system bus  623  can be any of several types of bus structures including a memory bus or memory controller, a peripheral bus, and a local bus using any of a variety of bus architectures. The system memory can also be referred to as simply the memory, and, in some embodiments, includes read-only memory (ROM)  624  and random-access memory (RAM)  625 . A basic input/output system (BIOS) program  626 , containing the basic routines that help to transfer information between elements within the computer  600 , such as during start-up, may be stored in ROM  624 . The computer  600  can further includes a hard disk drive  627  for reading from and writing to a hard disk, not shown, a magnetic disk drive  628  for reading from or writing to a removable magnetic disk  629 , and an optical disk drive  630  for reading from or writing to a removable optical disk  631  such as a CD ROM or other optical media. 
     The hard disk drive  627 , magnetic disk drive  628 , and optical disk drive  630  couple with a hard disk drive interface  632 , a magnetic disk drive interface  633 , and an optical disk drive interface  634 , respectively. The drives and their associated computer-readable media can provide nonvolatile storage of computer-readable instructions, data structures, program modules and other data for the computer  600 . It should be appreciated by those skilled in the art that any type of computer-readable media which can store data that is accessible by a computer, such as magnetic cassettes, flash memory cards, digital video disks, Bernoulli cartridges, random access memories (RAMs), read only memories (ROMs), redundant arrays of independent disks (e.g., RAID storage devices) and the like, can be used in the operating environment. 
     A plurality of program modules can be stored on the hard disk, magnetic disk  629 , optical disk  631 , ROM  624 , or RAM  625 , including an operating system  635 , one or more application programs  636 , other program modules  637 , and program data  638 . Programming for implementing one or more processes or method described herein may be resident on any one or number of these computer-readable media. 
     A user may enter commands and information into computer  600  through input devices such as a keyboard  640  and pointing device  642 . Other input devices (not shown) can include a microphone, joystick, game pad, satellite dish, scanner, or the like. These other input devices can be connected to the processing unit  621  through a serial port interface  646  that is coupled to the system bus  623 , but can be connected by other interfaces, such as a parallel port, game port, or a universal serial bus (USB). A monitor  647  or other type of display device can be connected to the system bus  623  via an interface, such as a video adapter  648 . The monitor  647  can display a graphical user interface for the user. In addition to the monitor  647 , computers typically include other peripheral output devices (not shown), such as speakers and printers. 
     The computer  600  may operate in a networked environment using logical connections to one or more remote computers or servers, such as remote computer  649 . These logical connections are achieved by a communication device coupled to or a part of the computer  600 ; the disclosure is not limited to a particular type of communications device. The remote computer  649  can be another computer, a server, a router, a network PC, a client, a peer device or other common network node, and typically includes many or all of the elements described above I/O relative to the computer  600 , although only a memory storage device  650  has been illustrated. The logical connections depicted in  FIG. 6  include a local area network (LAN)  651  and/or a wide area network (WAN)  652 . Such networking environments are commonplace in office networks, enterprise-wide computer networks, intranets and the internet, which are all types of networks. 
     When used in a LAN-networking environment, the computer  600  is connected to the LAN  651  through a network interface or adapter  653 , which is one type of communications device. In some embodiments, when used in a WAN-networking environment, the computer  600  can include a modem  654  (another type of communications device) or any other type of communications device, e.g., a wireless transceiver, for establishing communications over the wide-area network  652 , such as the internet. The modem  654 , which may be internal or external, can be connected to the system bus  623  via the serial port interface  646 . In a networked environment, program modules depicted relative to the computer  600  can be stored in the remote memory storage device  650  of remote computer, or server  649 . It is appreciated that the network connections shown are exemplary and other means of, and communications devices for, establishing a communications link between the computers may be used including hybrid fiber-coax connections, T1-T3 lines, DSL&#39;s, OC-3 and/or OC-12, TCP/IP, microwave, wireless application protocol, and any other electronic media through any suitable switches, routers, outlets and power lines, as the same are known and understood by one of ordinary skill in the art. 
     Although a few embodiments have been described in detail above, other modifications are possible. For example, the logic flows depicted in the figures do not require the particular order shown, or sequential order, to achieve desirable results. Other steps may be provided, or steps may be eliminated, from the described flows, and other components may be added to, or removed from, the described systems. Other embodiments may be within the scope of the following claims. 
     ADDITIONAL NOTES AND EXAMPLES 
     In Example 1, a data processor at a central location includes a central processing unit and a receiving component to receive garnishments from submitters. 
     In Example 2, the data processor of Example 1 includes an importer to write the garnishments to a central database. 
     In Example 3, the data processor of at least one of Examples 1-2 includes a transmitting component to send the garnishments to participating garnishees. 
     In Example 4, the data processor at least one of Examples 1-3 includes a second receiving component to receive responses to garnishments. 
     In Example 5, the data processor of at least one of Examples 1-4 includes a validation component to insure the responses meet basic standards of compliance and completeness. 
     In Example 6, the data processor of at least one of Examples 1-5 includes a business rules engine within the validation component to apply jurisdiction-specific standards to the validation. 
     In Example 7, the data processor of at least one of Examples 1-6 includes a second importer to write the responses to the central database. 
     In Example 8, the data processor of at least one of Examples 1-7 includes a second transmitting component to send completed responses to the original submitters of the garnishments. 
     In Example 9, the first or second receiving components of at least one of Examples 1-8 is configured to receive batch files. 
     In Example 10, the first or second receiving components of at least one of Examples 1-9 is configured to implement interactive machine-to-machine communication. 
     In Example 11, the first or second receiving components of at least one of Examples 1-10 is configured to receive direct user input via a user interface provided as part of the data processor. 
     In Example 12, the first or second transmitting components of at least one of Examples 1-11 is configured to receive batch files. 
     In Example 13, the first or second transmitting components of at least one of Examples 1-12 is configured to implement interactive machine-to-machine communication. 
     In Example 14, at least one of the first or second transmitting components of at least one of Examples 1-13 is configured to transmit direct user input via a user interface provided as part of the data processor. 
     In Example 15, the first receiving and first transmitting components of at least one of Examples 1-14 are configured to receive and transmit data with an indicator to relate the electronic description of the garnishment to a paper version of the garnishment order. 
     In Example 16, the first receiving and first transmitting components of at least one of Examples 1-15 are configured to receive and transmit data with an indicator to relate the electronic description of the garnishment to an electronic version of the garnishment order which is conveyed to the garnishee by a separate system. 
     In Example 17, the first receiving and first transmitting components of at least one of Examples 1-16 is configured to receive and transmit data with an indicator to relate the electronic description of the garnishment to an electronic version of the garnishment which is conveyed to the garnishee as an enclosure of the system. 
     In Example 18 a method includes receiving garnishments at a server from network coupled submitters, writing the garnishments to a central database, transmitting the garnishments to participating garnishees via a network, receiving responses to garnishments from responders via the network, validating the responses to ensure they meet basic standards of compliance and completeness, applying jurisdiction-specific standards to the validation via the server, writing the garnishee responses to the central database, and sending completed garnishee responses to the original submitters of the garnishments. 
     In Example 19, the method of at least one of Examples 1-18 includes receiving a query regarding a garnishment from an original submitter of the garnishment, and providing a status of the garnishment to the original submitter responsive to the query. 
     In Example 20, the method of at least one of Examples 1-19 includes identifying garnishments by a code having an element identifying the original submitter and an element including an original submitter assigned file number. 
     In Example 21, the garnishment of at least one of Examples 1-20 includes information uniquely identifying the garnishee and a date of the response and identity of the responder. 
     In Example 22, a system includes a server coupled to a network, the server configured to store garnishment requests from multiple garnishment originators, provide the requests to multiple garnishees, and receive responses from the multiple garnishees via the network. 
     In Example 23, the system of at least one of Examples 1-22 a rules engine stored on a machine readable storage device to provide jurisdiction dependent garnishment rules for responses. 
     In Example 24, the server of at least one of Examples 1-23 is further configured to provide information regarding each garnishment to the corresponding originator and responder via the network. 
     In Example 25, the server of at least one of Examples 1-24 is further configured to receive and store information from the garnishee regarding collection of funds related to the garnishments. 
     In Example 26, the server of at least one of Examples 1-25 is configured to verify that the originator is a valid originator before storing the garnishment request received from the originator. 
     In Example 27, verifying that the originator is a valid originator of at least one of Examples 1-26 includes verifying the originator&#39;s credentials. 
     In Example 28, verifying that the originator is a valid originator of at least one of Examples 1-27 includes verifying a network location that originated the originator&#39;s request originated from is a valid network location from which to receive the garnishment request. 
     In Example 29, the server of at least one of Examples 1-28 includes a collection attorney database including data identifying collection attorneys authorized to access data on the server. 
     In Example 30, the server of at least one of Examples 1-29 includes a garnishee database including data identifying garnishees authorized to access data on the server. 
     Some embodiments implement the functions in two or more specific interconnected hardware modules or devices with related control and data signals communicated between and through the modules, or as portions of an application-specific integrated circuit. Thus, the exemplary process flows are applicable to software, firmware, and hardware implementations. 
     Systems and methods of the present disclosure may be implemented on a mobile device as a mobile application, web-based application, on a desktop computer as a computer application, or a combination thereof. A mobile application may operate on a Smartphone, tablet computer, portable digital assistant (PDA), ruggedized mobile computer, or other mobile device. The mobile device may be connected to the Internet or network via Wi-Fi, Wide Area Network (WAN), cellular connection, WiMax, or any other type of wired or wireless method of networking connection. In some embodiments, a web-based application may be delivered as a software-as-a-service (SaaS) package (e.g. cloud-based embodiments) accessible via a device app, a web browser application, or other suitable application, depending on the particular embodiment. 
     In this document, the terms “a” or “an” are used, as is common in patent documents, to include one or more than one, independent of any other instances or usages of “at least one” or “one or more.” In this document, the term “or” is used to refer to a nonexclusive or, such that “A or B” includes “A but not B,” “B but not A,” and “A and B,” unless otherwise indicated. In this document, the terms “including” and “in which” are used as the plain-English equivalents of the respective terms “comprising” and “wherein.” Also, in the following claims, the terms “including” and “comprising” are open-ended, that is, a system, device, article, composition, formulation, or process that includes elements in addition to those listed after such a term in a claim are still deemed to fall within the scope of that claim. Moreover, in the following claims, the terms “first,” “second,” and “third,” etc. are used merely as labels, and are not intended to impose numerical requirements on their objects. 
     Although an embodiment has been described with reference to specific example embodiments, it will be evident that various modifications and changes may be made to these embodiments without departing from the broader spirit and scope of the invention. Accordingly, the specification and drawings are to be regarded in an illustrative rather than a restrictive sense. The accompanying drawings that form a part hereof, show by way of illustration, and not of limitation, specific embodiments in which the subject matter may be practiced. The embodiments illustrated are described in sufficient detail to enable those skilled in the art to practice the teachings disclosed herein. Other embodiments may be utilized and derived therefrom, such that structural and logical substitutions and changes may be made without departing from the scope of this disclosure. This Detailed Description, therefore, is not to be taken in a limiting sense, and the scope of various embodiments is defined only by the appended claims, along with the full range of equivalents to which such claims are entitled.