A computer-implemented method for determining payroll related insurance premiums includes receiving at a server computer first payroll data relating to a first employer in a first data format from a first source and second payroll data in a second data format from a second source. The optical module comprises the laser mounted on a mounting board with its cavity parallel thereto, and the optical means comprises an optical component like a mirror mounted on the board and aligned to the laser which directs the beam towards the plane. In some embodiments, the tissue apposition member also act as the energy transmission member.