--- a/latest/use-cases/index.html	Sun Jan 18 16:50:55 2015 -0500
+++ b/latest/use-cases/index.html	Sun Jan 18 19:04:41 2015 -0500
@@ -304,10 +304,12 @@
     <section>
       <h3>Choice of Payment Instrument</h3>
       <p>
-When a <tref>payee</tref> intends to make a payment, they are given a choice 
+When a <tref>payer</tref> intends to make a payment, they are given a choice 
 to pick among the intersection of the 
 <tref title="payment instrument">payment instruments</tref> they have available 
-to them and the payment instruments that are accepted by the payee.
+to them and the payment instruments that are accepted by the payee. Optionally,
+new payment instruments may be offered to them by the <tref>payee</tref> and
+provided as options by their <tref>payment agent</tref>.
       </p>
 
       <section>
@@ -327,6 +329,14 @@
 store web site accepts payment via credit card and operator billing. Amantha 
 selects the "operator billing" payment option.
           </li>
+          <li>
+Ricardo would like to pay for clothes at ThreadCo, a brick-and-mortar retailer,
+using software on his mobile phone. He taps his phone to checkout and notices 
+that the purchase would be less expensive if he uses a department store 
+digital credit card to complete the purchase. He applies for the card using a 
+provided link, is approved for the digital credit card card, and completes the 
+checkout process using his new card.
+          </li>
         </ul>
       </section>
       
@@ -346,6 +356,11 @@
 <tref title="payment instrument">payment instruments</tref>.
           </li>
           <li>
+A <tref>payment agent</tref> may attempt to optimize payment instruments on
+behalf of the <tref>customer</tref> by selecting for payment speed, 
+loyalty benefits, price, or other conveniences.
+          </li>
+          <li>
 Over time, each <tref>customer</tref> iteratively builds a list of preferred 
 payment instruments for their commonly used 
 <tref title="merchant">merchants</tref>.
@@ -361,6 +376,15 @@
 <tref>payment instrument</tref> with respect to their preferences and 
 support capabilities.
           </li>
+          <li>
+A data format that expresses the list of available payment instruments that
+the <tref>merchant</tref> accepts.
+          </li>
+          <li>
+A protocol that enables the <tref>payment agent</tref> to suggest new 
+<tref>payment instruments</tref> to the <tref>customer</tref> based on
+customer preferences (speed, points, price, etc.).
+          </li>
         </ul>
       </section>
     </section>