Micropayments, yes! The problem with this adoption lag is we simply don't have the infrastructure in the US today. However, as NHIN is built out and open source medical banking infrastructure is developed, for instance, initiatives like the Charitable Communities Network will be able to transfer micro as well as macropayments. As m-commerce finally hits US phones (like in Scandanavia where you can charge snack food to your cell), and digital chips, and smartcards, and rfid passports, etc. allowing the cellphone companies to become the new mortgage brokers (hello, ernie: geolocate this property -- I want to make an offer -- am I preapproved -- great! Press seven for downpayment). Do you think Nokia announced that tablet the other day for a whim? And then add that Apple open source browser project and Osirix for medical record storage on iPods (and why don't they just relaunch the Newton now -- we're ready for it this time!?!) Remember Motorola's set top box with the eCommerce slot and USB port -- think truly interactive TV when you're taking a course via TV (teachers have you studied the balanced scorecard movement? -- finally you'll be paid what you're worth -- is that a blessing or a curse?) and your connecting your medical device for monitoring and you have to buy new prescriptions. Press Remote Control button 7 and removes $ from Health Savings Account.