Sounds great, but many users have difficulty separating form (presentation) from content (data). Unless this separation can be done seamlessly or can be easily done incrementally, there's no chance if something powerful like this catching on. I mean, do you realize how many quite intelligent people still use word processors like a typewriter? And truthfully, sometimes that is the fastest and best approach for a one-off job.

No, direct deposit means the company transfers money (an employee's salary) directly to the employee's account. No checks involved. Prevalent in Europe--there's really no other common way to get that (legal) salary payment. Really, aside from novely checks, checks here no longer exist.

Then the price you are willing to pay should reflect your need. It's not easy but you really have to think in terms of how much that part is worth to you, not how much you're willing to pay.

America and other former UK colonies tend to have much worse insulation than continental Europe (at least the colder parts).

But it's much easier to deal with the smaller number of different types of coins in your wallet. 1, 3, 10, 30 is 4 types while 1, 2, 5, 10, 20, 50 is 6 types. I never had a coin problem is the US, but in Euro-countries I never seem to have the correct coins even if my wallet is full of them. And they are a pain to pick out.

Buying a new computer just because the old one is depreciated is not economical. Even fully depreciated assets can still be used productively.