2022 MAY 30-- By a News Reporter-Staff News Editor at Insurance Daily News-- A patent application by the inventors Carbery, Andrew L.; Koza, Daniel; Plachta, Christopher G.; Ramirez, Philip Peter, filed on November 12, 2021, was made available online on May 12, 2022, according to news reporting originating from Washington, D.C., by NewsRx correspondents.