A method and system for re-sequencing mail prepared in enhanced carrier route line of travel format into carrier walk sequence format within a flat bundle collator system. The surface of its underlayer, before forming the magnetic recording layer, is exposed to an O2 or N2 atmosphere or an atmosphere of rare gas and O2 or N2, to attach the O2 or N2 as nucleation sites for promoting growth of the nonmagnetic and nonmetallic region. A bank server establishes an account for the benefit of the lender and determines an account balance for the individual lender. In the other embodiment, a 9T SRAM cell structure includes a transmission gate to implement Column Select and Row Select cell storage access with enhanced stability.