Set the company's iPhone-sized speaker on a desk, coffee table or even a surfboard and it transfers sound waves into that material -- creating an on-the-fly subwoofer.

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Wireless technology transfers stored photos from a digital camera or cellphone placed on the table to the Surface screen.

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But when the bust came, instead of standing behind his word that he would repay the debt, Murphy showed that his word was no good and instead engaged in a series of transfers and actions to try to sneak his chips back off the table.

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The regression results for Europe, using the same approach as outlined earlier, show a consistently negative effect of social transfers on growth, even though the coefficients vary in size and significance (table A7.4).

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