Firetalk is a program that enables you to have conference calls, talk to friends and take web tours. It's a communication service that allows you to talk with people who visit your site, or even just to chat with friends. You won't earn commissions with this one - Firetalk is a free enhancement to add value to your site. From my German perspective, I am always amazed how inefficient the American payment methods are using checks. In Germany we benefit from a well developed banking system.
Checks are long since out of use.
Nearly all kinds of payments are done as electronic transfers directly to the recipient's bank account. Most German merchants that have set up affiliate programs use this payment system and consequently most use lower minimum payout amounts required than US merchants. I guess your letter helps explain why PayPal has teamed up with Deutsche Bank. I hope they go international soon. It explains how RealNames will make exceptions - if you are willing to pay lots of money.