I was starting to wonder if the research companies just chose a subject at random and changed the axis labels each week. I hope there aren't a lot of people who took them very seriously. I'm glad to say, though, that you'll have to keep trying to fool me. The hard ones may take me a little longer, but in almost two years I haven't missed one yet. It is not free and consumers who avail themselves of e-billing are getting hosed.
Consumers pay even though companies, banks, and financial institutions save millions of dollars.
I worked for several years in a large remittance processing operation. It costs a lot of money and time to process the thousands of mailed remittances received each day. Add to this float time, and it's a few days before today's deposit is in your company's account. Compare the above process with the lightning speed of online processing, electronic fund transfer, the elimination of mailing delays, and all those clerical processing steps. And if the paper mailing and billing side are also eliminated, there will be even greater savings to corporate America.