A system, method and program product for commerce management, especially for managing contingency agreements or contracts. After the mixed solution is separated into two layers of which the lower layer is the developing solution and the upper layer is the solution, developing progresses all at once in the entire surface of the substrate. The system also has a second data store, and a processor. The keypad of a mobile telephone can also be simulated. When the incision is complete the surgical blade is rotated back out of the incision. Next, at the scanning operation, the scanner unit 105 refers to the white area determination data 301 to detect a white stripe.