Methods and apparatus for applying filler material onto an object are provided. Accordingly, a nonvolatile semiconductor memory device for which variations in threshold voltage of a memory cell can be suppressed and an appropriate read operation can be carried out, as well as a method of manufacturing the nonvolatile semiconductor memory device are provided. Rotation of the outer collar affects alignment of the bore of the outer collar with the bore of the inner collar. The system further includes a loss estimation engine for providing an estimated loss for each loan, a probability of loss engine for determining a probability of loss for each loan, and a loss list engine for generating a list of loans with heightened risk of loss.