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Techniques for using latent semantic structure of textual content ascribed to the items to provide automatic recommendations to the user. A user inputs a selected item and, in turn, a latent semantic algorithm is applied to the user selection and the textual content of the items in a database to gen

Techniques for using latent semantic structure of textual content ascribed to the items to provide automatic recommendations to the user. A user inputs a selected item and, in turn, a latent semantic algorithm is applied to the user selection and the textual content of the items in a database to generate a conceptual similarity between the selection and the items. A set of nearest items to the selected item is provided as a recommendation to the user of other items that may be of particular interest or relevance to the user's original selection based upon the conceptual similarity measure.

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Techniques for using latent semantic structure of textual content ascribed to the items to provide automatic recommendations to the user. A user inputs a selected item and, in turn, a latent semantic algorithm is applied to the user selection and the textual content of the items in a database to gen

Techniques for using latent semantic structure of textual content ascribed to the items to provide automatic recommendations to the user. A user inputs a selected item and, in turn, a latent semantic algorithm is applied to the user selection and the textual content of the items in a database to generate a conceptual similarity between the selection and the items. A set of nearest items to the selected item is provided as a recommendation to the user of other items that may be of particular interest or relevance to the user's original selection based upon the conceptual similarity measure. lized, (c) the estimated time until the entitlement will be realized, (d) the predicted rate of appreciation in the value of the property, and (e) the possibility that the property will suffer catastrophic damage. 17. The method of claim 1 wherein the current value of the pool of entitlements is determined from at least one of: tax records, actual sale price records, average sale price records, average property valuations, median sale price records, median property valuations, and average brokerage commissions earned. 18. The method of claim 1 wherein the current value of the pool of entitlements is determined from at least one of: (a) an average time between property sales, (b) an average time that a property spends on the market, (c) an average rate of appreciation in property value, and (d) an average rate of inflation. 19. The method of claim 1 wherein the risk associated with the pool of entitlements is estimated from at least one of: (a) the estimated value of the pool of entitlements, (b) the likelihood that the entitlements will be realized, (c) the expected number of entitlements within the pool that will be realized, (d) an estimated time until the entitlements will be realized, and (e) the predicted rate of appreciation in the values of the entitlements. 20. The method of claim 1 further comprising the step of creating a financial instrument, wherein the value of the instrument varies depending upon the value of the entitlement. 21. The method of claim 1 further comprising the step of creating a financial instrument, wherein the value of the instrument varies depending upon the value of at least a portion of the pool. 22. The method of claim 1 wherein the owner of the real property is a buyer of the real property and said step of purchasing the entitlement occurs at the time of closing of the purchase. 23. The method of claim 1 wherein at least a portion of said method is performed using an internet. 24. A method of doing business comprising the steps of: purchasing from an owner of a real property, in exchange for a consideration, an assignable entitlement to act as the owner's real estate agent when the owner sells the property, wherein said entitlement confers the right to a commission on the sale of the property; determining a cent value of the entitlement from at least one of: (a) the current value of the real proper, (b) an estimated rate of appreciation in the value of the real property, and (c) an expected date of resale; and assessing a risk associated with the entitlement wherein at least part of one of said steps utilizes a computer. 25. The method of claim 24 further comprising the step of executing a legally binding document that places an encumbrance on the title of the real property requiring satisfaction of the entitlement. 26. The method of claim 24 further comprising the step of selling the entitlement. 27. The method of claim 24 further comprising the step of creating a pool consisting of the entitlement and at least one other entitlement to represent at least one other owner of at least one other real property. 28. The method of claim 27 further comprising the step of determining a current value of the pool of entitlements from at least one of the current values of the individual entitlements, and the risk associated with the entitlements. 29. The method of claim 27 further comprising the step of selling at least a portion of the pool of entitlements. 30. The method of claim 24 wherein the consideration comprises money. 31. The method of claim 24 wherein the consideration is related to a credit card. 32. The method of claim 24 wherein the consideration comprises credit redeemable for designated goods or services. 33. The method of claim 24 wherein the consideration comprises at least one of a discount on a mortgage loan rate, a discount on mortgage loan fees, a credit applicable towards mortgage payments, and a grace period for paying mortgage payments. 34. The method of claim 24 wherein