So, for example -- let me just give you one very specific example.

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To give just one example, the incredibly successful iPad publisher Flipboard plans to deliver an entirely new version of its app for the iPhone.

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So just to give you one example, right now a lot of the student loan programs run through banks, but a lot of them go directly to students from the government -- so-called direct loans.

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If I can give just one example, as the manager of a computer department, it was essential that my staff were housed in two separate enclosed areas - one for the data preparation and computer operations staff where noise was inevitable, and the second for the systems and programming staff who needed a quiet environment in which to concentrate and create.

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I'll give you just one example.

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