It can, however, get you in the door on business deals that might or might-not make good. That's the way to use them. Exhibit A here is Priceline , which signed an alliance with LendingTree that offers banks both the Priceline system and LendingTree software to analyze applicants and see if a bank wants to do business with them in the first place, before they answer a query. The way to win is not to be the same as larger rivals. If you're not looking for your own bliss, you'll just be found boring.
Subscribers can receive either a .txt file or .htm file.
The .htm version features links that become active from inside a browser.