A computer-implemented, transaction-making, municipal bond trading system having a capability to conduct a private electronic auction of bid wanteds between a central brokers’ broker and multiple prospective remote bidders and to maintain a reference database of accurate individual bond lot descriptions and identifications, including CUSIP numbers. The thermal management methodology described herein closely couples software operation to hardware operation of the computer system, and allows each system to run at near optimum performance levels without exceeding specified maximum temperature thresholds. In a most preferred embodiment, the solution is used with a cleaning pad comprising an effective amount of a superabsorbent material, said pad preferably being part of a cleaning implement comprising a handle and said cleaning pad preferably being removable. A material layer is formed over the substrate.