This is a document that was originally published in 2003. Guess what? The content is still relevant. And Paystream Advisors have just retrieved it from the e-cupboard, got the e-dust out and uploaded into edocr. Now it is suitable for interaction with readership. Tell Paystream Advisors what you think about the content through comments and ranking. Best of all you can embed on to your blog just as I have done here. Please note that it may not be possible to embed on to blogs hosted by WordPress.