And a big part of the problem is that, where the banks interface with the homeowner here - you heard Mr. de los Santos say that he was dealing with JPMorgan Chase.
The problem with Windows 8 is that Microsoft decided to shove a highly inefficient touch-based user interface onto millions of PC users using non-touch desktops and notebooks.
Simcoe, an assistant professor at Boston University, adds that such policies might also resolve a type of coordination problem often seen in the diffusion of technology standards, such as the Universal Serial Bus (USB) interface or a new video game console.