A method for collecting transcripts each storing an order in which portions of an application file were accessed by the file when the file was executed on one of a plurality of computing devices. The credentialing information is automatically transferred from the credentialing questionnaire to an insurance application, and this credentialing information is then used to generate a medical malpractice insurance policy. Common andor dedicated HARQ entities may be utilized for retransmission. This version of impendence is compared to a time-projected version of the model. The card, in one example one having a magnetic stripe, has its information erased when being inserted into the housing and re-written back onto its information portion during card withdrawal, provided appropriate human information is received by the assembly’s reader component.