In-person meetings can also help teams avoid misunderstandings: As one of our friends who runs a virtual workplace puts it, with e-mail exchanges alone, everyone starts to get a bit paranoid.

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And I think everyone can identify with those stock exchanges.

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The Affordable Care Act (health reform) will guarantee for the first time that everyone can get affordable health insurance coverage through the new exchanges.

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Nasdaq is betting that regulators will ask banks that now trade these instruments over the phone to move them to exchanges where pricing will be instantly available to everyone.

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And there should be exchanges and travel and interactions with the Iranian people and everyone else, including the United States.

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The PCA proposed changing the tax treatment of private health insurance and providing everyone with a refundable tax credit with which to purchase insurance in exchanges.

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As it happens, the first three elements are exactly the model of the ACA. The law includes insurance exchanges, a requirement that private insurers make coverage available to everyone regardless of health status, and the obligation that everyone have at least basic coverage.

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And now, everyone above the poverty line will gain access to higher-quality, private-sector coverage on the exchanges.

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