Choosing a tool that facilitates natural interaction among individuals instead of the static nature of email is the first step to adding value and driving efficiencies in managing everyday tasks, which should be the mainrequirement for any solution you choose.
However, at the lower end of the market the main impediment to buying a home is not the level of interest rates but the requirement to pay a deposit, typically 20% of the purchase price.
One of the main stumbling blocks ahead of Argentina entering the Tri-Nations is the IRB's requirement for them to have most of their players based in the country.