A tool for household, commercial, and industrial use is disclosed. The inner layer is resistant to penetration by liquid. The method further includes issuing to the user, using a customer relationship management system, a challenge corresponding to the risk level identified for the electronic service requested, and authorizing the user to perform the electronic service requested only if a correct response is received to the challenge issued. Probability distributions of the first parameter across two or more objects or across a portfolio are calculated over changing values of the second parameter as a function of the probability distributions assigned to each object involved. , a pressure of from 1 to 50 kgcm2g, an H2oil ratio of from 180 to 1800 literliter, and an LHSV of from 2 to 10 hr1 as an isomerization step. The values of absorption are correlated with the values of the hemoglobin concentration.