You have heard of online banking. How about banking by phone. This is where I see things going very soon. Today cell phones are full of memory and technology, a far cry from two cans and a string or the twenty pounders medics carried around in WWII. Now cell phones have GPS, video, internet, camera and video equipement built in. Cell phones are miniture computers. If they Dell is wise they could strike up a deal with a big cell phone company or technology to push the envelop futher.