I'd like to see a full menu of choices, without state and federal regulators or the tort system dictating what people must have, so people can make choices that give them more take-home pay but still give them good protection.

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We'd be even happier to see this menu take over the position of the Personalize item next to the phone dialer at the bottom of the home screen, but having it at all is a move forward.

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Instead, your phone would recognize that you'd walked into a particular restaurant, analyze the menu and suggest a meal based on your tastes.

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