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When one merchant banker was shown the iBill update - she summed it up nicely, - "Crap!" :-)
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And I won't say which bank she is on the board of!
This is all so fucking pathetic and amateurish!
BUT.. I'm sure iBill *may* decide to issue a load of $20 checks in part payment to keep their debtors following that carrott on a stick :-)