1 I have no idea, but since they are growing fairly rapidly there's clearly a good, untapped market 2 Yes, I think some people could/would switch ... especiall

1 I have no idea, but since they are growing fairly rapidly there's clearly a good, untapped market 2 Yes, I think some people could/would switch ... especially if we offered slightly lower fees and a few missing–but key–features. Also, there's no reason a person couldn't use both services. *3 Definitely not a substantial lock-in (see above)