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Features of a clean milkman are;Free from contagious diseasesPhysically cleanWears white overall when milking and handling milkShort finger nailsCovered hair
Features of a cellphone are;Phone bookAccess to internetRadioCalculatorCalendarCameraClockMaking and receiving calls
Features of a user friendly program include;Relatively easy for user to start using the softwareAmount of effort & information required of the user to get the system to complete required tasks should be kept minimum.System should be self-contained so that the user is not forced into accessing manuals or dealing with things that should be kept out of the system.System should be able to adjust to different levels of expertise between users and as users grows in competence.User should be made to feel in control of what is going on.
To invest in insurance education policy or fixed bank deposit depends the benefits that you will get at the end of it. The only reason why I recommend fixed deposit over insurance education policy is that education policy is not flexible and the returns are low (2 to 5%) (looking at it from an investment point of view). I&M has the best interest rates when it comes to Fixed Deposit (https://www.imbank.com/interest-rates) Alternatively you can invest in CBK long term bills and bonds that attract about 10% interest rate without any hidden terms.