In these sessions, HTC doesn't just listen to what the participants want more or less of, but it mainly observes what people do with the mockups in their hands, as well as studying their emotional feedback.

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When Koobface infects a machine, the malware runs silently and observes a user logging in to his or her Facebook account, capturing the username and password.

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"Because it's a niche market, five or six people can have a huge effect, "he observes.

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"The employer is still on the hook for looking over the provider's shoulder on an ongoing basis to make sure the provider hasn't jacked up fees or changed management in a way that gives the employer heartburn, " observes benefits lawyer J.

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"Everybody's home would produce more taxes as a Costco or a high-rise office building, " Institute for Justice attorney Dana Berliner tartly observes.

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He observes that starting small allows you to develop a track record and prove demand to potential investors or large retailers without taking on too much risk.

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