That will save us some money, but the core functions of the program are sustained.

WHITEHOUSE: Presidential Press Conference on the 2012 Budget

Much of the money made by the state firms is being soaked up by payments for welfare functions, including the wages of laid-off workers.

ECONOMIST: China��s state-owned enterprises

Prosper, Zopa and Lending Club all have mechanisms to transfer money between strangers and employ social networking functions that allow borrowers to tell the story of their need for capital.

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The company says it can save customers money and reduce complexity by integrating functions that until now required 4 or 5 separate pieces of software.

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