The services are heavily marketed to cardholders, particularly when you call a toll-free number to activate a card or ask a question, or when a customer-service rep calls to answer an inquiry.

WSJ: Getting Going: The Financial Fear Mongers

The debate focused on an amendment that would place a duty on courts to ask for a social history on an offender from the probation service when requesting a pre-sentence report.

BBC: Legal Aid, Sentencing and Punishment of Offenders Bill

The only quibble: There was an add-on component to my service--a sports massage--but my therapist didn't ask whether I had injuries or what sports I play before she commenced.

FORBES: Magazine Article

Startup HealthTap is going after this problem with a free question-and-answer service in which consumers anonymously ask questions and doctors answer the questions.

FORBES: HealthTap Q&A Site Connects Doctors And Patients

And to do that, the manufacturer or service supplier can no longer (as with mass customization) ask for a one-way flow of information from the customer.

FORBES: The Age of Big Data