In a method of manufacturing a chip resistor, a semi-product is formed by sandwiching an electric-insulating material layer between an electric-conducting material layer and a heat-dissipating material layer. The first member has first and second surfaces for engaging first and second kerf edges, respectively, of a kerf. The system further includes a contents parser configured to separate a card carrier and card attached thereto from an envelope. A P-well is formed in the N-type layer, and an N+ source region is formed in the P-well. Each of the sequence of symbols may be selected based on a corresponding one of the M transition numbers and a value of a preceding one of the sequence of symbols. A business or organization in which consumers call into a service using ordinary telephone, PC, PDA, or other information appliance, and make requests in plain speech for information on goods andor services, and the service provides responses to the request in plain speech in real-time.