A method and apparatus for adaptive network allocation are described herein. Each first switch includes a static contact, a first dynamic contact, and a second dynamic contact. Other aspects of the invention include authorization and authentication components that determine access rights of client computers. The process may be iterative such that the statistics and scores may be used only to perform a fraction of the data movement that would be needed to normalize the storage pool before the scores are then recalculated. The invention helps by offering protection through a life insurance by combining the Money Transmission Service and the Life Insurance Service. When either one of the first switch and the second switch is conducted, the load switch is turned off to make a variable voltage be increased.