A method of encouraging timely period payments that are associated with a computer system includes the step of storing passwords in the computer system wherein each password is associated with a separate payment period. The tunneling barrier layer is disposed on the pinned layer. A cam mechanism drives the staple forwardly along the tube 92 into deforming engagement with the anvil and at the same time retracts the tube into the shaft in time to allow the legs of the staple to close onto the puncture site. The method further includes measuring a readback profile across the first, second and third tracks on the magnetic disk. The subject methods and devices can also be used to reduce the thoracicabdominal core body temperature of a mammal, in which case thermal energy is removed from the thoracicabdominal core body of the mammal and introduced into the head of the mammal or heat is merely applied thereto. In addition, compensation of manufacturing tolerances of the various components in the described circuit arrangement is possible.