Synopsis: Domenii: Banks & insurance:


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Around 694,000 people die from colorectal cancer every year, accounting for 8. 5%of all cancer deaths


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and Bioengineering provided financial support. This novel approach to using enzyme-directed assembly of particle theranostics (EDAPT) is patent pending g


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Recycled materials used in the experimental phase kept thousands of pounds of waste from landfills.


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the newly elected mayor later recalled during an interview with a Princeton university researcher. ll stopped our economic activity.

A few years later, Brazil central bank made it harder for property owners there, and in 35 other blacklisted areas,

to borrow money unless they proved they were protecting the rainforest. The campaign marked a sharp change from the 1970s

suggesting agriculture indirect climate impacts surpass the impacts of deforestation for timber and other commodities. The researchers aim to tally those indirect impacts later this year.


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A recent study by U. C. Davis researchers projected that the drought would cost California's economy $2. 7 billion in 2015 alone.

The federal government is also sending millions of dollars in"drought aid""and local counties are exploring how to desalinate ocean water to replenish water supplies.

Power prices may also rise as hydroelectric plants have difficulty generating with low water flowsnd to the extent that very complicated power distribution affects a larger region,

Finally, California and the rest of the Colorado river basin amount to the world's seventh largest economy,

For more on this story, read how federal dollars are financing the water crisis in the West,


www.scientificamerican.com 2015 02344.txt.txt

Eventually, of course, healers and scientists realized that the three pounds of entangled neurons beneath our crania serve some rather critical functions.


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#China stock market plunges Share prices in China plunged Friday in one of the sharpest sell offs in years,

the world best-performing stock market. China two major market indexes fell in tandem. The Shanghai composite was down 7. 4 percent,

Share prices in Hong kong, which is regulated separately, also weakened, dropping 1. 8 percent. Analysts had been warning for months about the risks of a stock market bubble in China,

where giddy investors have driven up stock prices by purchasing shares on margin, with money borrowed from brokers.

China market has been an anomaly. Even though the broader Chinese economy has been relatively weak, which is typically bad for corporate profits,

share prices of many companies on the exchanges have skyrocketed during the past year. Many traded at record valuations, often 80,90 or 100 times their projected earnings.

The high valuations have been a boon for the companies and their major shareholders. The market boom has helped also encourage a wave of Chinese companies that had been listed in the United states to arrange stock buyouts and delist from American exchanges

then relist in China, where stock valuations are much higher. In the past few months, some well-known Chinese companies have announced plans to buy back shares

and leave Nasdaq and the New york stock exchange, including Wuxi Pharma Tech, Homeinn Hotels and Qihoo 360, the Internet service provider,

whose management is offering $9 billion to complete the buyout. But China roaring stock market showed this week how volatile it can be,

with Shenzhen main index falling the previous week, then rising early this week, then tumbling again.

The latest downturn comes as the authorities move to tighten rules on buying stock with borrowed money

which is believed to be one of the key reasons for a stock market rally that has sent share prices to seven-year highs.

what analysts refer to as over-the-counter stock margin financing. his is triggered what the correction, said Steven Sun, a Hong kong analyst for HSBC. lso,

there have been controlling shareholders, significant shareholders and corporate management trying to cash out. They had been selling massively into the rally.

And these are people in a better position to know the performance of their company.

Many analysts say that the government props up the stock market as a policy move aimed at helping debt-burdened state-owned companies repair their balance sheets.

A strong market also improves the financing of private entrepreneurs, which could help spur innovation.

But the government has been careful to warn about some of the risks, including the use of borrowed money,

knowing that a sharp decline could hurt smaller investors. Analysts at some major banks, including HSBC

and Morgan stanley, have been cautioning investors about the risks of the market, particularly after a big sell off last month.

Although stock prices are still up significantly from a year ago, with the Shanghai composite reaching 5, 166.35, up as much as 160 percent in the past two years

there are signs that some of the most sought-after stocks are now in the doldrums. The Shanghai composite is down about 18 percent from its June high J


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#This Injectable Brain Implant Can Record and Stimulate Individual Neurons For those who need them most,

Theye what I call euro-philic? they actually like to interact with neurons. In the future, the team hopes to make the device wireless


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Saudi businesses, meanwhile, would ensure that money also flowed directly to Bin laden. The full cable can be read here.


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The price will rise to USD 2, 995 next month. Website: www. juneoven. com Contact:


www.techinasia.com 2015 00475.txt.txt

at the price point we are aiming for. To be honest, without something like eye tracking,

There also interactive cinema, productivity for finance and security, virtual market research, dangerous situation simulation, and design studies.

Fove secured an undisclosed amount of seed funding from Japanese angel investors last year and one possible exit option has appeared already.


www.techinasia.com 2015 00530.txt.txt

With fresh funding, UE Lifesciences plans to expand its trials and market the devices. Shah previously developed


www.technewsworld.com 2015 02475.txt.txt

and gamers who believe in a particular technological advance typically are willing to spend exorbitant amounts of money to support it t


www.technewsworld.com 2015 02565.txt.txt

The 7nm chips are the result of the first program out of IBM's 2014 US$3 billion investment in research--a five-year investment that aims to push the limits of chip technology to meet the needs of cloud computing

"The economics of the new nodes"may become as great of a challenge as the technology,

and so cheap that the marginal cost to use something else is higher than its marginal value,


www.technology.org 2015 0000149.txt

Funding was provided by the Bill & Melinda Gates Foundation and the United states Air force Office of Scientific research O


www.technology.org 2015 0000186.txt

you don need a billion-dollar capital expenditure to build a new factory. Instead, you can start with a silicon module


www.technology.org 2015 000019.txt

Altaeros recently received Series A funding of $7 million dollars for the continued development and commercialization of its technology. he new products being developed by the team at Altaeros are exciting


www.technology.org 2015 0000205.txt

In a global polymer industry valued in the hundreds of billions of dollars, a technique called Atom Transfer Radical Polymerization is emerging as a key process for creating well-defined polymers for a vast range of materials, from adhesives to electronics.


www.technology.org 2015 0000233.txt

However one drawback is its high price; even its processing can be tough. These are the reasons why carbon fiber-reinforced plastics (CFRPS) have still not yet found their path into wide-scale serial production so far to date.


www.technology.org 2015 0000234.txt

A new way of reducing fuel consumption, emissions and bunker expenses is being pursued by the Norwegian engineer Terje Lade,

After all, bunker expenses account for the largest part of the total costs in the shipping industry, says Laura Walther, researcher at CML in Hamburg.


www.technology.org 2015 0000235.txt

But changing batteries in structures that have several windows can lead to a considerable maintenance expense.


www.technology.org 2015 00003.txt

Others working on this project include Jared Price, graduate student Penn State; Xing Sheng, postdoctoral fellow; John A Rogers, professor of materials science and engineering, University of Illinois, Urbana Champaign;


www.technology.org 2015 000047.txt

But after that year financial collapse, uxury pet products weren exactly selling, Gips says. When a researcher requested the technology to monitor health care staff,


www.technology.org 2015 08169.txt.txt

Image credit: Dan Hixson/University of Utah College of Engineeringsilicon photonics could significantly increase the power and speed of machines such as supercomputers, data center servers and the specialized computers that direct autonomous cars and drones with collision detection.


www.technology.org 2015 08310.txt.txt

Researchers hope that as the new HUS Hycopter hits the market later this year (no word on the pricing yet), hydrogen fuel cell technology,

and possibly even get a boost in funding. Wankewycz claims the flying prototype is almost ready to go


www.technology.org 2015 08480.txt.txt

Professor Henry and his colleagues are eager to produce new premium wheat varieties. he good news is that premium wheats attract better prices so this discovery potentially means more dollars for Australian farmers.


www.technology.org 2015 08491.txt.txt

which costs many tens of thousands of dollars. There is a need to develop easy to use, portable and affordable systems,


www.technology.org 2015 08514.txt.txt

Image credit: Yei Hwan Jung, Wisconsin Nano Engineering Device Laboratory A cellulose nanofibril (CNF) computer chip rests on a leaf.

Image credit: Yei Hwan Jung, Wisconsin Nano Engineering Device Laboratory The research team, led by UW-Madison electrical


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#New Self-Destructing Devices to Lead the Way towards Sustainable Electronics Thanks to falling prices, increasing demand and short lifespans of most consumer appliances,


www.technology.org 2015 08671.txt.txt

and makes recommendations to help users save money. It also allows users to remotely control major appliances such as air conditioners

and helping them to save money, CSIRO Research Leader Glenn Platt said. sing a simple online dashboard,

households with solar PV systems can save additional money by programming their system to run certain appliances

and saves them money. s well as giving households tools to understand and manage their energy,


www.technology.org 2015 08691.txt.txt

and save thousands of dollars per transplant. UCLA researchers measured liver function in 53 potential organ donors using the fingertip probe.


www.technology.org 2015 09005.txt.txt

what would be a relatively modest scientific investment in the low tens of millions of dollars. e


www.technology.org 2015 09060.txt.txt

Theye what I call euro-philicthey actually like to interact with neurons..espite their enormous potential, the fabrication of the injectable scaffolds is surprisingly easy. hat the beauty of this it compatible with conventional manufacturing techniques,


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as they often carry more than 100 pounds of gear, including body armor, weapons and night-vision technology.


www.technology.org 2015 09129.txt.txt

Image credit: Alex Jerez, Imaging Technology Group, The Beckman Institutee use the spin current created by ultrafast heat conduction to generate spin transfer torque.


www.technology.org 2015 09176.txt.txt

Image credit: Science museum London/Science and Society Picture Library) via Wikimediaamines are related to relatively simple molecule ammonia (NH3),


www.technology.org 2015 09413.txt.txt

This paper battery costs around 5 U s. dollar cents. Only 5 cents costing device that is so innovative that can produce power from dirty water would seem as science fiction some time ago,


www.technology.org 2015 09421.txt.txt

but hold that there still important incentives to encourage investments. ee shown in this study that biorefineries can use inexpensive catalysts to produce a suite of hydrocarbon fuels and lubricants,


www.technology.org 2015 09489.txt.txt

and MRI SCANNERS designed to be wheeled over a patient on the operating table cost several millions of dollars each

By comparison, the team anticipates that the cost of an OCT-based system would run in the hundreds of thousands of dollars.


www.technology.org 2015 09580.txt.txt

Image credit: scripps. eduefforts to create effective vaccine against HIV so far have been virtually fruitless.


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24m has raised $50 million in financing from venture capital firms and a U s. Department of energy grant. The company is initially focusing on grid-scale installations,

so they require much larger initial capital expenditures. By 2020, Chiang estimates that 24m will be able to produce batteries for less than $100 per kilowatt-hour of capacity.


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The project completed a successful Kickstarter campaign last year, raising more than 100.000 dollars from 451 contributors.

which has announced its plans to release a commercial version of the aircraft in 2017 with a sticker price of 85.000 US dollars.


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As a result, eliminating periodic electronic regeneration will drastically change the economy of the network infrastructure


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But curvature in graphene compresses the electron clouds of the bonds on the concave side and stretches them on the convex side,

in which the balance of positive and negative charges differ from one atom to the next, due to slightly different stresses on the bonds as the diameter changes.


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Image credit: Burrus/NISTTHE technology was designed to track the machinery of biological cells, down to the tiniest bits of DNA, a single ase pairof nucleotides among the 3 billion of these chemical units in human genes.


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The Charlottesville-based firm is developing a prototype for potential investors a desk lamp that provides an Internet connection through light

an early investor, is president of the operation. VLNCOMM has drawn attention from venture capitalists and has gotten some funding from a federal Small Business Innovation Research program through the Federal department of Energy.

Noshad said the firm has gotten additional funding from the National Science Foundation and he thinks there may be more DOE funding for it in the near future. he idea in this technology is to transmit the data using the lighting systems that are used already for the illumination of indoor environments,

Noshad said. Visible light communications offer a compact, dual-use, energy saving solution and can provide a high-speed secure network connection for a large number of users.

Part of its value is in its versatility. ou can use it any place that has lighting,


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strong bonds form between the molecules of the gel, providing mechanical stability without the need for any chemical modifiers to be added to the material.


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in an effort to raise the funding needed to extend the length of the trials


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Image credit: Wikimediacommonsea mammals and bats use high-frequency sound for echolocation and communication, but humans just haven fully exploited that before, in my opinion,

Image credit: UC Berkeleyone big advantage of graphene is that the atom-thick sheet is so lightweight that it responds immediately to an electronic pulse, unlike today piezoelectric microphones and speakers.


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#Contactless Payments Advancing into Market Just recently Snap chat has enabled online money transfers with a tap.

Contactless payments are becoming a clearer possibility day by day. With mobile payments, becoming a convenient future option for most merchants,

small businesses are open to adopting this varied way of money processing. Photo credit: Visa. comexploring Mobile payment Optionsmobile payment has seen a rise in popularity only recently.

That is the reason that no one peaking service is dominant in the market that allows any customers to make their payment conveniently.

More possibly, even the customers have not yet acquainted themselves with the option of mobile payments, and thus they need to understand more.

Google Wallet Since 2011as of now, the most prevailing mobile payment system is the Google Wallet.

Where the developers themselves agree that many issues still exist in the system design of Google Wallet,

they have high hopes for its future. Google wallet is coming down to its fourth year almost since its emergence in the industry.

The greatness of this mobile payment lies mainly in the security it offers. Rather than carrying a bunch load of plastics

a mobile application that is synced with all your bank accounts sounds very approachable. With this security, it ends the limits on payment speeds.

A click here and a tap there, a smart phone just paid all your bills that is how easy Google wants the payment system to be for you.

And no doubt, Google Wallet is perhaps an amazingly speedy mobile payment method for those who have come to terms with it.

Apple into the Competitionexpect Apple to jump into a technological development stream and not win.

and we have a star in the world of mobile payment. As seen, wireless payment has its foundations in security and speed.

The emerging developments in the contactless payments have their focus points in both these elements

and thus the digitization of cash stands out as a remarkable phenomenon as compared to the paper cash and plastic payments.

Mobile payments are aimed not only at decreasing the use of paper money but it is predicted to have a revolutionizing effect on the customer behavior as well.

Once given the security and speed, it is going to change the consumer behavior. A spending and saving trend is bound to occur with the prevalence of a sweeping mobile payment system throughout the society.

Patterns of spending will determine how the digitization has been affecting the public and thus adjustments in the systems can be made accordingly.

The mobile payment system, eventually is aimed at benefitting the providers as well as consumers, thus grounding its foundation roots well below.


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because it is a common cause of genetic deafness, accounting for 4 to 8 percent of cases,


www.technology.org 2015 10493.txt.txt

Image credit: Shin-ichi Ohkoshi. Materials capable of storing heat include those such as bricks or concrete that slowly release the stored heat,


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which together, get molecular bonds vibrating in telltale ways. The resonant chamber focuses the microwaves on the sample,


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The new, graphene-based immunosensor could soon lead to a quantum leap in cancer diagnosis. Image credit:


www.technology.org 2015 11052.txt.txt

Image credit: Yale Rosen via Flickr, CC BY-SA 2. 0 Adenoviruses cause variety of health problems to humans, such as eye or respiratory infections.

Image credit: Yale Rosen via Flickr, CC BY-SA 2. 0 Understanding mechanisms of adenoviruses is extremely important.


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including funding agencies, is pushing pretty hard for. he group is now working to use the plasmonic structure to create a single photon source necessity for extremely secure quantum communicationsy sandwiching a single quantum dot in the gap between the silver nanocube and gold foil.


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Dr Paolo Falcaro, said the length of time it takes to produce MOFS has been a barrier to their manufacture until now. ee estimated that this process could cut the cost to make MOFS by thousands of dollars for Australian manufacturers,


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Six years ago, under U s army Research Office funding, they demonstrated that one could indeed grow nanowire materials in a wide range of energy bandgaps


www.technology.org 2015 11299.txt.txt

Image credit: Edgerton laboratory/UCLAIN the study, the men movements occurred while their legs were suspended in braces that hung from the ceiling,


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but the researchers expect expenses to drop over time (as has been the case with genome sequencing).

investment in money and effort that could be spent better answering questions that are more proximal,


www.technologyreview.com 2015 00507.txt.txt

Zell says Nikola Labs has raised separately private funding to bring its product to market. Though Zell acknowledges that there plenty of skepticism surrounding the utility of harvesting energy from radio waves,


www.technologyreview.com_news 2015 00007.txt

Spacex is partnering with Google and Fidelity Investments, which are investing $1 billion for a 10 percent stake in the endeavor.

In the late 1990s there were plans to deliver similar space services. he dot-com bust dried up their financing

Besides investing in Musk project, Google is working on a high-altitude balloon-based Internet delivery system called Loon.


www.techradar.com 2015 00956.txt.txt

what it calls commodity servers used for storage management. The other announcement that dovetails nicely with it is that Toshiba has committed finally to deploying SMR technology, well after WD and Seagate.


www.techradar.com 2015 02958.txt.txt

"Image credit: Matt Kieffer//CC BY-SA 2


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#Reactionary surveillance will boost extremist groups After the Charlie Hebdo attacks in France, much of the world rallied around the magazine's right to free speech;


www.telecomstechnews.com 2015 00004.txt

whilst ensuring value for money and improvements to digital infrastructure are maximised. A femtocell is a small low-power cellular base station

and Orange had promised to connect more than 1500 rural communities within three years by investing in small cells to extend coverage.

As we reported yesterday the head of Virgin Media Business believes that rural broadband investment shouldn't be increased over inner-city

despite an EFRA (Environment Food and Rural affairs) report claiming that the allocation of funding between urban and rural broadband investment is unbalanced greatly.


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and money for this is scarce. The academics are now working with members of Dutch-based social enterprise organisation Proportion to help people in Colombia,


www.theengineer.co.uk 2015 00263.txt.txt

The company has recently been awarded funding from Innovate UK to develop its auxiliary power unit and work on customising the transport refrigeration system for different vehicle types.


www.theengineer.co.uk 2015 00303.txt.txt

This pay gap is found to a greater and lesser degree throughout the economy, including in the manufacturing sector where,

and investing in careers advice. lick here to access The Engineer Salary Survey 2015and click here to access our online salary-benchmarking tool


www.theguardian.com 2015 02116.txt.txt

New zealand-based Martin Aircraft recently floated on the Australian stock exchange, seeing a $50m investment from Chinese aerospace company Kuang-Chi Science,

valuing Martin at $100m. It began taking orders earlier this year, and has been showing off a simulator of the jetpack at airshows including Paris. Jetpacks:


www.theguardian.com 2015 02120.txt.txt

called edallions can cost a million dollars. And regulators, courts and police have been raising concerns around the world, too.

the sharing economy. In this brave new world, untapped capacity such as idle cars and rooms is made available for hire,

increases efficiency and lowers the price of those goods and services. It is not just Uber that is facing resistance over the sharing phenomenon.

Paris is also the scene of another collision between a company from the sharing economy and the authorities:

and pay tourist taxes for out-of-town visitors to apartments. Hotels, too, are angry at seeing their revenues eroded by the upstart.

Airbnb has met resistance elsewhere too, usually from local governments concerned they are missing out on taxes.

Barcelona and Berlin have brought both in tough regulations that will stifle Airbnb growth. But London, by contrast, relaxed old laws following a 2014 government review of what might hold haring economycompanies back.

Pricewaterhouse Coopers forecast last year that total revenues for the five largest sharing economy businesses could be £9bn in the UK by 2025,

the sharing economy is a throwback to the preindustrial age, when village communities had to share resources to survive,

Pwc chief economist. hey built up trust through repeated interactions with people they had known all their lives.

But as Love discovered, the sharing economy can create significant tensions. Some view the taxi driversanger as a repeat of the Luddite protests of 1811,

the new companies unleash new sources of economic activity that was suppressed previously. The deeper question though is

Uber claims drivers can earn significant amounts of money, but studies and undercover experiences by journalists have demonstrated that requires huge,

One writer discovered that to earn Uber promised median $90, 000 a year after expenses in New york,


www.theguardian.com 2015 02218.txt.txt

A report from Deutsche Bank this year said solar energy storage would be cheap enough to be deployed on a large scale within five years as a result of a yearly cost reduction of 20%to 30%in the price of lithium-ion


www.theverge.com 2015 0000152.txt

#White house unveils $215 million plan to develop patient-specific medical treatments The White house unveiled a"Precision Medicine Initiative"today a $215 million investment that will go toward building a database containing genetic information

The investment, one that part of President Obama 2016 budget proposal, will also go toward pioneering new models for patient-specific medical research research that caters to a specific patient needs based on their genetics instead of relying on a one-size-fits-all

"The White house investment is split in four parts. The biggest chunk of the money, about $130 million, will go to the NIH to recruit a million

or more volunteers"whose genetic information will be stored in a series of databases. About $70 million will go to the National Cancer Institute, a subsection of the NIH,

and Women Hospital showed that Americans worry that insurance companies and employers may discriminate against them based on their family histories or genetic test results.

but these protections only cover instances of discrimination by an employer or a health insurance company.

Companies that sell life insurance, long-term care insurance, and disability insurance can still ask for genetic tests results

if they wish and they can base their rates on this information. $215 million is a very large amount to spend on an initiative of this kind,

"I worry that this $200 million will ultimately come from basic research funding, and will thus be another step in the decade long shift from basic to applied research,

Eisen also told The Verge that the money will be flushed down the toilet "if the databases developed through this initiate are constructed poorly."


www.theverge.com_science 2015 00314.txt.txt

and you don have to spend the money rearing them and then throwing them away."


www.theverge.com_science 2015 00436.txt.txt

Today, United will announce a $30 million investment in Fulcrum Bioenergy, one of the largest makers of aviation biofuels.

but this marks the biggest ever investment in alternative fuels by a major commercial airline, reports The New york times. Eventually, United plans to integrate biofuels into its entire fleet.


www.theverge.com_science 2015 00452.txt.txt

The discovery could help couples struggling to conceive to spend less time and money on fertility treatments that don work.

the average price of in vitro fertilization hovers around $12, 400. If clinics could tell patients

whether they should save their money or go directly to high-cost interventions, skipping the cheaper ones that won work that may be reason enough to justify RNA sequencing of sperm.


www.theverge.com_science 2015 00541.txt.txt

and likely to throw some money behind that promise. The most powerful supercomputers currently in development in the US are the twin Summit


www.theverge.com_tech 2015 01260.txt.txt

Alibaba, Visa and Bank of america are all on the FIDO board, but none of the companies have released any FIDO compatible login systems as of yet.


www.theverge.com_tech 2015 01314.txt.txt

Facebook, Paypal, or half a dozen other services, but most users skip past them, if they even know they're there.


www.todayonline.com_tech 2015 00114.txt.txt

Mr Mcloughlin also said the cost of the arm needs to be about a tenth of its current price to be viable in the marketplace.


www.usatoday.com_tech_ 2015 00238.txt.txt

#Mastercard seeks to move digital money fast NEW YORK Mastercard wants to speed up digital payments. The financial services giant has launched just Mastercard Send,

which the company claims as a first-of-its-kind global platform that promises to move funds into your debit accounts in a half-hour

According to Mastercard, more than $1 trillion is spent globally each year on transactions where people are using paper checks or cash.

Under Mastercard Send, payments made for insurance claims, rebates, tax refunds and so forth would be made to your debit card

and dispatched in near real-time. The program is agnostic across brands. That means you don't have to use a Mastercard debit card to take advantage of the platform.

But Mastercard isn't marketing Mastercard Send directly to consumers. In that sense, the new platform isn't analogous to a Paypal or Venmo.

Instead, Mastercard is soliciting business partners which could then get money to customers more quickly.

The Send program can also be used to move money across borders, including to"unbanked"people in developing nations.

Anyone that wants to take advantage of Send in the U s. would have to register their debit cards with participating providers of which Berkshire hathaway Travel Protection

and Freeshipping. com are the first to be announced publicly.""You're immediately pulling from an existing source of funds so there's no issue of`is the provider good for this money?'"

'"says Mastercard's Cheryl Guerin.""It's like a normal transaction through the debit card system.

You don't have to go through that clearing process.""Mastercard also says the system is more private and secure than writing checks.

The company hopes folks looking to pay the dog sitter, handyman, or to complete other"peer-to-peer"type transactions will also be able to use the Send system for such purposes."

"Providers that want to offer a P2p service will be using our system to enable (those sorts of scenarios),

"says Guerin.""We consistently look at opportunities (to) drive more transactions through electronic payments and away from the inconvenience of cash and checks.

And there definitely was room in this space for being able to do that.""Indeed, James Wester, the research director for global payments at IDC, sees this as a step forward."

"Consumer payments in the U s. have been slow in keeping up with an on-demand economy where consumers have instant access to so many services through their mobile devices,

"he says.""The delay they experience in receiving funds, for instance waiting for a check to clear

or money to settle into their accounts, has become an anachronism. Unfortunately, many of the proposed solutions to the issue from the Fed or through ACH (Automated Clearing house) are still just proposals with expected implementations that may be years away.

So this is an important step in bringing payments up to speed.""Email: ebaig@usatoday. com; Follow@edbaig on Twitte t


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