Between child care, two luxury cars, lavish family vacations and a heavy mortgage payment. they were a job loss away from complete disaster.

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In these days of heavy use of electronic payment methods, the way our brains process cash may be less and less important.

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Times Co. executives have said that only about 15% of the paper's online readers are "heavy users, " meaning the vast majority probably won't trigger a payment requirement.

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With mobile payment such an area of growth and development, it makes sense that heavy hitters such as Google and Apple have invested in identification security with cloud capabilities.

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