A system and method of expedited credit approval and lending for an applicant initially pre-qualifies the applicant using an input device to obtain predetermined applicant identification information and transmits the applicant identification information to the credit and loan processor computer which verifies the applicant identification without pulling credit. Various other apparatuses, systems, methods, etc. The second order prediction may involve a process similar to conventional intra-prediction, but is performed on the residual video blocks. The flow of the process air runs from the lower position to the upper position of the line element. Preferably, the lugs have sufficient depth and are correspondingly located to receive the legs of a superior pallet in a nesting manner. The first wakeup request signal and the second wakeup request signal are one of concurrent and consecutive wakeup request signals.