An apparatus and method for thermally applying and removing a graphic to and from seat-belt webbing, the apparatus comprising a housing with an engagement slot to receive the seat-belt webbing and a graphic thermal coupon. The communication channel setting method measures the interference between two communication protocols implemented on the same electronic device and stores threshold values and a look-up table obtained from the measurements in the electronic device. For example, the interferometer can be a Michelson-Morley interferometer or a Mach-Zehnder interferometer having a scanning mirror. The process further includes creating instruments representing investment in the financial product.