A system for transferring funds to pay bills and to and from selected accounts on an optimized is provided. The apparatus includes a voltage manager for determining whether the Tx power needs to be changed based on an output voltage that is based on a current that varies according to a distance between an electrode of a portable terminal and an electrode of a counterpart portable terminal, and changes the Tx power according to a result of the determination. Ultra-sharp tips are formed on the emitters in a fabrication process in which diamond is deposited into mold cavities in a two-step deposition sequence. Furthermore, when the polythienylquinoxaline derivative is used as an active layer of an organic thin film transistor, the organic thin film transistor exhibits a high charge carrier mobility and a low off-state leakage current. The apparatus further includes a first guiding member disposed adjacent to the first opening of the bowl and a second guiding member disposed adjacent to the second opening of the bowl. The method defines a cloth simulation call in the cloth API, and by operation of the main application, invokes a software routine using the cloth simulation call.