You could also dictate custom rules, such as ringtones for contacts in specific groups, or create carrier-branded circles that are populated with your friends on the same network, making it easier to determine whether or not you'll be billed for calls to a particular user.

ENGADGET: Google+ patent app details myFaves-like carrier contacts integration with social network circles

Facing mounting competition from overseas rivals, Lloyd's of London launched a three-year plan that includes a review of rules and procedures designed to retain existing insurance business and attract new custom.

ECONOMIST: Business this week