A humidity sensor may include a first substrate having a recess formed in a first side, a second substrate and an insulating layer supported by the second substrate. A vehicle operator merely designates the turning direction by moving an operation stick, e. The bank switching circuitry is functionally interposed between the banks of memory devices and either the connector or the memory controller. Then the semiconductor wafer is engaged with a polishing pad as the acidic solution is applied directly or indirectly to the semiconductor wafer. The virtual currency accumulated by HSX account holders as a result of successful trading may be converted to another currency, credited towards the cost of merchandise provided through a vendor’s web site, etc.