<ol>
<li>you are generalizing too much on a single person you know.</li>
<li>comparing 4.0 and 3.0 is still a bit too far.</li>
</ol>
<p>anyway... if you have time..
<a href="http://www.ibankingoasis.com/node/3595%5B/url%5D">http://www.ibankingoasis.com/node/3595</a></p>