The resin composition of the present invention comprises a resin composition comprising a polyphenylene ether resin or a polyphenylene ether resin and a polystyrene resin and a phosphazene compound having an acid value of less than 0. A dual band singlet is formed of a first, larger, optical element, suitable for operating on light of a first optical band, with an aperture cut out of it. In other embodiments, the voltage to critical loads is regulated independently of the voltage supplied to the remainder of the system. The replacement material may also improve the heat transfer performance of the heat exchanger if the selected fin metal has higher thermal conductivity than titanium. A variety of pre-compression data transformation methods are disclosed for causing apparently random data sequences to appear more compressibly alike to each other. The customer can initiate a financial transaction using a mobile device, a bank can inform the customer of the nearest financial transaction terminal to perform that service, and the customer can complete that financial transaction at the financial transaction terminal using the mobile device as a user interface.