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 Yikes: 20% drop in housing to cause recession in 2012.  I wish I didn't really believe this is going to happen, but I really do.  Sigh.  
 
 Have you ever wondered what is HTML5?  Now you know :)  PayPal announces NFC phone-to-phone payments for Android.  Cool.  You might not know, but PayPal's original product was PDA-to-PDA payments for Palm Pilots using IR.  Only incidentally did they build a web interface to allow users to make payments to each other without their Palms, and the rest is history.  I don't think there's a significant market for phone-to-phone payments, but there's a huge market for phone-to-merchant payments, especially if PayPal can disintermediate the exchange fees.  
 
 Onward... tomorrow we have the Tour's first mountain stage (yay!), and then Shirley and I are off to Pasadena as tourists for a couple of days... stay tuned.  
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