The images are warm and fuzzy shots of puppies and sunsets alongside short-text descriptions that customers must also identify.

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While Flash mobs -- sudden, unexpected and short-lived gatherings of members of the public, organized by Web sites and text messages -- usually tend towards the surreal (zombie mobs in Toronto, pillow fights in Buenos Aires) they have also been utilized by pressure groups.

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Digital short-wave broadcasts would be clearer and could carry bits of text too.

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But today, whenever there is an unanticipated short silence -- cell service goes temporarily dead, e-mail or text messaging or social networks cease to function because of an electronic burp somewhere -- it gives us the occasion to reflect upon how quickly we have gotten used to the new way, with our messages coming in and going out continually and seamlessly, day and night.

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SmartPay links users' bank accounts to their mobile-phone numbers, enabling them to pay via short messaging services (SMS, or text messaging).

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