A necktie having a wide end portion formed of a material presenting a first pattern and a narrow end portion formed of a material presenting a second, different, contrasting pattern. A back portion is coupled to the front portion and includes a support portion positioned to support the front portion and the back portion in a display position. Further, selective disengagement of the ratchet rack from the lock arm is facilitated by a manually-actuated pull strip having a ramp structure that slidably engages with the lock arm to lift a pawl out of the ratchet rack. The area designated for receiving the information is on at least one of the panels. The system includes a memory section with privileged and non-privileged sections, a host gateway to generate a capability credential, a device controller to append the credential to data transmitted to the memory, and at least one IO device enabled to do direct memory access transactions with the memory. The communications module is able to send a message via the communications interface to file the request with the administrative body.