An information recording medium includes a lead-in area and a data area for storing contents information. More specifically, it relates to risk modeling using the inputs of credit bureau data, size of wallet data, and, optionally, internal data. The transporting device for transporting a slender rectangular plate-like, that is, row bar-shaped magnetic head, cut from a wafer is capable of performing vertical installation and horizontal installation. A receiving side transparent electrode region of one cell is electrically connected to a back electrode region of an adjacent cell through the first kind groove, the transparent conductive layer and the third kind groove. Thus, a non-volatile semiconductor memory device allowing efficient programming operation and erasing operation in a short period of time can be provided. Finally, the appliance may also implement parental controls.