In a few years, the staff depicted in the TV show  The Office will be out of a job. Jim and Pam, Stanley and Dwight. Yep. The Office will become The Automated E-commerce Website. The order takers working for the Dunder Mifflin paper company will find themselves replaced by clever, reliable self-service websites that convey information directly to the warehouse downstairs. Accountants Angela and Kevin might need to stay on to keep track of all the additional revenue, though.

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• You've got the awesome website with all the bells and whistles
• You've got a great staff, ready to make every customer feel special
• You have a tremendous, world-changing product that everyone wants!

So where's my revenue?

There you are on the therapist's couch. Feet up, head on a cushion, just like in the movies. You begin:

"Well Doc, I dreamed about work again."

"Ach, no. Zat is no gut. Vee must cure you of zees nightmares." She's from Austria, like any good psychotherapist.

"Actually it was different this time."

"Verrrry interesting. Tell me about zis dream…"

When was the term "credit card" first used in common parlance?

• 1967
• 1987
• 1887

Edward Bellamy in his utopian novel Looking Backward mentions the use of a credit card by the citizens of the United States in the year 2000. His 19th century protagonist wakes up after a Rip Van Winkle-ian 113-year-long nap to find Americans using what is actually a publically funded debit card. Bellamy's book was published in… 1887!

The history of commerce based on credit has a longer history than you might think. It's a history of change, sometimes drastic. While some countries are still more cash-oriented than others, the West has generally adopted a model of short term debt allowing easy access to spendable capital.

Before the late 19th century, we lugged around pieces of paper, scrip, coins, or even gold dust to exchange for goods and services. Sometimes we paid in kind- a couple of chickens for a tooth extraction or a loaf of bread for a belt buckle. In other far flung places folks assigned commercial value to special stones or seashells.

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"I have an appointment to see the king," I said.

"Right this way, sir." The portly usher bustled off with shocking rapidity. I was uncomfortably far behind when he finally halted in front of the conference room door. As I drew closer at full trot, it swept open to reveal a round glass table strewn with the accoutrements of government. Around the table were the requisite functionaries of the kingdom, but which was the king? The usher quickly solved the mystery by loudly introducing me to the group. "THE MAN FROM Y.U.C.K., YOUR EXCELLENCIES."