Methods and apparatus for providing speech-based authentication, including the determination of a target discriminant based on an identity claim and on at least one target voiceprint model relating to a target speaker, of a background discriminant based on the identity claim and on at least one background voiceprint model relating to at least one background speaker, and of a score based on the target discriminant and the background discriminant, which score is used to accept or reject the identity claim.

 
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> Method, apparatus and article-of-manufacture for the creation, issuance, valuation/pricing, trading and exercise of options for attendance rights, and derivative instruments thereon

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