At the end of the day, your mortgage loan will be originated, processed, approved and closed by people, software and institutions will be the platforms that allow individuals to do their jobs, but you are choosing people to help with the single biggest financial decision most people will make.

FORBES: A Look Behind The Curtain: How To Choose A Mortgage Lender

The iPhone OS, by comparison, is a closed operating system where only certain Apple approved products can be loaded onto the device.

FORBES: Worm Attacks Coming For Google's Android - Kaspersky Lab

Work has been approved on a Shropshire road which was closed in November by falling rocks.

BBC: Jiggers Bank improvement works given go-ahead

The speech had been approved by the UK Foreign Office but behind closed doors it was met with arched eyebrows.

CNN: The Spirit of Diplomacy: The envoy who spoke out

On its mobile iOS operating system, Apple has created a "closed garden" environment in which everything from apps to accessories has to be approved by Apple, as opposed to Google's more wide-open Android system.

CNN: Doug Gross,

The deal struck in closed-door sessions by Gov. Andrew Cuomo and legislative leaders will need to be approved by the full Senate and Assembly.

WSJ: Tentative NY budget deal touches rich and poor