It is determined whether audio identifying information generated for an audio content image matches audio identifying information in an audio content database. A sufficient amount of a selectively oxidizing and reducing compound is provided in the composition to produce a differential removal of a metal and a dielectric material. In some cases, the drive mechanism can also include, or be attached to, two additional rollers that are inside the band and move along the orbital path. The speech converter modifies at least one of the formants, voicing, pitch, andor gain signals as specified by the selected voice font. The apparatus includes at least one source of collimated and non-collimated light, various spatial filters that can be used with the laser light source, a non-collimated light generating arrangement, and at least one shutter and at least one iris that direct collimated and non-collimated light at the workpiece to form the orifice. The data includes a payment base value, a contract value, a withdrawal percent and a formula for determining an available benefit payment amount without reduction of the payment base value.