>
No "direct" access (by the "consumer"): disconnected data access via XML (as the protocol).
>

It would appear you have moved away from from your native DML native data position. If you start injecting these other things into the mix - certainly your apps can avoid being monolithic - but that was not your original premise.

Since you have fundementally changed your premise, I won't bother with the rest of the post.

< JVP >