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It seems very significant to me - the issue here is standard setting, not just because you can (Microsoft) but because customers want it (VISA).

There is a huge consumer benefit in being able to browse the whole of the net as if it was one big mall where you can use any cash register when you're done. (Stretching the analogy a bit - you are really making walking out of each store much easier - has anyone here USED InstaBuy? If not why not??) Giving Instabuy away helps them get to the "big mall" point.

THEN they have something worth money (in addition to their CashRegister, and in addition to how much more attractive / essential CashRegister becomes because of InstaBuy)

I would really like to see a graph of active merchants and customers as I don't believe the financials show all of their growth (thanks to the giving-it-away behaviour) Indeed their financials don't show any growth over the last nine months which is enough to scare off any casual investor and any broker/recommmender who doesn't want to look like he sould have known better if it tanks.

I read the press releases, but don't have the overall picture - anyone??

Bny
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