ASSERTION #3: In 2015 the default login & payment method(s) on the web will be ... no passwords at all. Not for login and especially not for payment. Using Facebook Connect, Google Gmail, or Apple iTunes as the "new portal" is an extension of an old technology model. The next step is to do away with passwords that as a methodology are inherently insecure for good and use a security method adequate for digital information transaction and payment. Why should I remember obscure codes when a computer is much better at doing that type of task?