>>So I'm doing it where it counts. Pray tell, what are "you" doing? :)

Certainly I'm not purporting to be expert enough about the makings of the ACA website to issue a definite opinion.

One observation I would make, is that physicians are feeling negative about the scheme. Seen it before: physicians have reason to be concerned at the hand of distant observers involved in physician revenue. The concern would be that insurers won't want to publish high prices on the exchanges and rather than reducing dividends, they'll go for large deductibles (leaving physicians to try to collect) and/or driving down of payment to doctors and other providers. I have an idea how this will play out- and it all leads inexorably towards a more normal first-world model. You'll see. ;-)

>>I'm optimistic about Office 365 and the newest entry, Power BI for Office 365. I'm doing two talks on them this fall in Stamford and Orlando. Focus is on use cases - people need to be able to see what it can do for them, and also want it doesn't do.

They also need to know why it's better to pay rent if you can buy an alternative including hardware for the equivalent of a year's rent. Unlike Oracle that keeps customers because it's too difficult to change, changing to 365 is itself a decision with no "lock in" factor until after you already made the switch. Sure many will purchase MS through force of habit- at least at first. Seems to me that many other proprietors will take the opportunity to look around. But again, time will tell.