Predictive modeling of consumer financial behavior, including determination of likely responses to particular marketing efforts, is provided by application of consumer transaction data to predictive models associated with merchant segments. The method includes the spraying of a liquid composition on a soft surface and allowing the composition to absorb into the soft surface, form liquid agglomerations within the soft surface to the agglomerations can make contact with malodorants disposed within the soft surface. In certain example embodiments the absorber layer is provided between first and second dielectric layers which may be of substantially the same material andor composition. The submission of design programs operate as programs states with each program state having data inputs, data outputs possibly receiving logic inputs and generating logic outputs. When the original mainly contains characters, both of the first and second filters are not used. The use of said partial sequence to provide antibodies, agonists and inhibitors as well as partial nucleic acid sequences to screen for, diagnose, stage and monitor diseases associated with TNF-delta, including but not limited to inflammation is also disclosed.