Over the past 25 years, we've seen the deregulation of the airline industry, the financial services industry, the telephone industry, we're starting to see it in the utilities. And this is changing so many things for consumers. It's leading to more choice and lower prices but in many cases it's also leading to tougher decisions and more headaches.

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You're going to eventually see more stored value cards, which might be a way for you to pay for small things. Something that's just a few bucks would be taken off a stored value card, rather than a credit or debit card.

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