I agree, I think this is a pretty useless device all-around.

It's a double-valve system similar to the ones used in CPR masks.

Front-facing snorkels are much more effective than this garbage. I swam competitively through College and can say that I have seen a lot of gimmicky swim equipment aimed at "helping" technique. You should buy one of these instead: http://www.amazon.com/FINIS-1-05-009…

And after I gave you "Stir Friday!"

My company currently has a 2 times per year late fee removal, but will not adjust APR. Once you get to Customer Service agent it is super easy to remove. Remember to be nice to Customer Service people!

What is this, Portlandia? Where is my Tesla lamp?

Working in the Credit Industry, I can say that I have seen this kind of thing happen on several occasions. Another concern is a Canadian's Social Insurance Numbers can match a US Citizen's SSN. This causes some issues if they apply for credit in the US.

I did this a couple months back, and had to change the tension on the springs to get it to stay put. The colored bits are Sugru.