The approaches described herein provide an efficient way to process certain kinds of queries that retrieve XML data stored in an object-relational database. Preferably, the slip resistant lower surface includes a plurality of edges structured to engage the ground and thereby increase the starting friction. The request is received from an electronic communicating device by a financial institution server. Security settings control access to web widgets, and an option to allow or restrict access to web widget display options in the component. The system further includes a processor coupled to the transmitter and to the receiver, the processor being configured to process the received phase modulated signal and to initiate an action as a function of the characteristic in the received phase modulated signal.