A television broadcasting system and methods that manages the insertion of targeted advertisements and other messages into live satellite or Internet broadcasts or other types of broadcasts into out-of-home locations such as health clubs. The insertion of targeted advertisement and other messages are accomplished by a satellite service provider purchasing live network broadcasting feeds with a license to strip out existing commercial advertisements and replace them with targeted advertisements to match the demographics of the viewing audience at health clubs and other non-home locations nationally, regionally and locally where the viewer is unable to change or delete the targeted advertisements while viewing the live broadcast programming from the networks.

 
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> Consumer-directed financial transfers using automated clearinghouse networks

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