As a consumer I love this new technology where you can give business your check by phone , email or fax. Is it just so much more convenient in my opinion. And with more and more people shopping online it just makes sense for business and sites out there to accomidate us more. And this is a secure service which is important. This year I don’t think I even went to the stores at all to get gifts. I am an online shopper and I think it is going to stay that way.