The present invention generally relates to improved binary half tone photomasks and microscopic three-dimensional structures made from such BHT photomasks. The tubular arrangement includes a flexible transfer pipe hanging freely between ends in its transferring position and connected to a manifold of the transport vessel. The computer system to perform the process of underwriting, rating, quoting, binding, and booking an insurance policy includes browsers, data bases, processors and a dispatcher that parses the information to select an insurance process.