About 10 percent of people will cheat the system but we're hoping they will be ferreted out by the other checks we have in place.

The sweet spot is 25 cents a minute. That will attract more calls. But BMW might want to reach you even if your bid is $1 or more.

Unlike the Internet, this system is easy to use. It just involves a regular telephone. That's why we've seen many seniors signing up.

As far as we know, this is the first time ever that consumers are being offered such a service.

Mozart never watched Baby Mozart , and Einstein never watched Baby Einstein , ... We're subject to the demographic targeting of very enterprising companies.

If the Fed continues to raise rates, adjustable-rate mortgages will continue to get pinched. That's going to take people who are stretching to buy homes off the table.