--- a/latest/use-cases/index.html	Mon Mar 23 16:01:07 2015 -0500
+++ b/latest/use-cases/index.html	Mon Mar 23 16:53:53 2015 -0500
@@ -282,11 +282,14 @@
 
   <section>
     <h2>An Overview of the Payment Phases</h2>
-    <p>
-In order to organize the use cases in this document into a form that is
-easy to comprehend, they are separated into four primary phases. The phases
-are:
-    </p>
+
+    <p>There are many types of transactions in the world of payments,
+including indvidual-to-business, business-to-business,
+government-to-individual, individual-to-goernment, and
+individual-to-individual. In this document we focus on the
+interactions between a <tref>payer</tref> and a <tref>payee</tref>,
+either of which could be a person, organization, or software
+agent), which we organize into four phases:</p>
 
     <ol>
       <li>
@@ -303,15 +306,14 @@
       </li>
     </ol>
 
-    <p>
-This particular model focus on the interactions between a <tref>payer</tref>
-and a <tref>payee</tref>, either of which could be a person, organization, or
-software agent). This particular model does not intend to address
-the low-level exchanges between banks, card associations, or other back-end
-"payment clearing" parties in a transaction.</p>
+<p>The descriptions below only discuss the interactions between the
+payer and the payee. We do not expose the low-level exchanges between
+banks, card associations, or other back-end "payment clearing" parties
+in a transaction. Those details will be discussed in the Interest
+Group's work on architecture and
+requirements.</p>
 
-    <p>
-Each phase consists of a series of steps.
+ <p>Each phase below consists of a series of steps.
 The details of each step vary by <tref>payment scheme</tref>. Some steps may
 not be relevant at certain times (e.g., depending on
 <tref>payment scheme</tref> or <tref>transaction</tref> specifics).
@@ -329,11 +331,12 @@
 structuring the use cases such that it is easy to figure out to which part of
 the payment process a particular use case belongs.
     </p>
-    <p>
-These phases can be applied to a variety of different payment scenarios such
-as person-to-person, person-to-business, business-to-person,
-government-to-person, and so forth.
-    </p>
+
+ <p>While these four phases may apply more or less well to a variety
+of other payment scenarios such as refunds or person-to-person
+payments, those topics are not the current focus of the group.  We
+plan to address them directly in <a href="#future-work">future
+work</a>.</p>
 
     <section>
       <h3>Negotiation of Payment Terms</h3>
@@ -1909,8 +1912,12 @@
       <p>
       </p>
     </section>
+  </section>
 
-  </section>
+  <section>
+    <h2 id="future-work">Future Work</h2>
+  </secton>
+
 
   <section>
     <h2>Acknowledgements</h2>