Systems and methods for authenticating a party are disclosed. The scrolling apparatus includes a rotatable member with the configuration of a wheel or a ball. The customer interfacing subsystem is coupled to the quoting system and to a given one of the customer systems for receiving an online indication by a given customer of a desire to pursue a policy with a given agent. Strap tightening can occur at hooking or thereafter, allowing adjustment of the side transverse strap and the side fastening strap to maintain the container on the solo skydiver’s back or maintain the passenger to the tandem pilot during freefall. With the above arrangement, the portable information terminal device is small in size and weight.