An apparatus for reclaiming abrasive blasting material comprises a prime mover, a vacuum pump and a separator unit for separating the abrasive blasting material in the contaminated abrasive blasting material from contaminants. The suspension includes an actuating mechanism engaged with a first spring and a pivotal transfer link that is engaged with a second spring and a non-adjustable rate damper that are each fixedly attached to the seat opposite the transfer link. Layers forming the channel layer may have different carrier mobilities andor carrier densities. In particular, a method comprises the steps of establishing a plurality of participants; assigning each participant of the plurality of participants to an account; establishing business rules at an account level; and providing an underwriting decision for an account based upon the business rules.