There is provided an apparatus with a touch screen including a touch pad. A distance between a first alignment mark in a first material layer and a second alignment mark in an underlying second material layer is measured, so as to provide an alignment offset between the first material layer and the second material layer. Interest in the credit service may be tracked and associated with a loyalty indicator associated with the member. The file name of the selected file and of any acquired files is changed to new ordered file names when the selected file is renamed.