An apparatus sets a layer counter to point to a first layer of a data structure. When a vehicle runs on a flat road, a standard FOE is set so as that a horizon line is positioned at a central portion of a display area. The portion of the substrate may substantially not fog when the portion has an initial surface temperature and is then exposed to a moist air ambient with a dewpoint temperature equal to or greater than the surface temperature for a period of time. Thus, the present invention enables merchants to effectively accept non-standard forms of payment without changing their current payment infrastructures and enables the provision of value for purchases at any network merchant using any source of value.