--- a/latest/use-cases/index.html Sat Mar 28 23:30:02 2015 -0400
+++ b/latest/use-cases/index.html Sat Mar 28 23:52:26 2015 -0400
@@ -193,7 +193,7 @@
unbanked often live pay cheque to pay cheque, do not have access to savings
accounts or low-fee cheque cashing services, lines of credit, or a way of saving
for their future. Being unable to plan for one's financial future often results
-in short-term thinking, which creates a viscious cycle of not being able to
+in a focus on the short-term, which creates a vicious cycle of not being able to
escape one's situation. Not being able to participate in the financial system
creates unintended inequities that create waste and results in a net loss
for society.
@@ -204,13 +204,13 @@
overlap between the unbanked and underbanked population and access to advanced
mobile phones and the Web. If financial services could be provided via the
Web in a standardized way to people with mobile phones, we could start to see
-an improvement in the lives of these individuals and families.
+an improvement in the financial health of these individuals and families.
</p>
<p>
The Web Payments work is not just about making payments easier, faster,
more secure, and more innovative. Extending the current financial system to
reach further helps an ever increasing number of people plan for their future,
-become long-term thinkers, and thus contributes to a greater net gain
+focus on the long-term, and thus contributes to a greater net gain
for society.
</p>
</section>
@@ -339,7 +339,7 @@
Sets of rules and technical standards for the execution of payment transactions
that have to be followed by adhering entities
(<tref title="payment processor">payment processors</tref>,
-<tref title="payer">payers</tref> and <tref title="payee">payees</tref>). Examples: Visa, Mastercard, Bitcoin, Ripple, PayPal, Google Pay, Alipay, Yandex money, ACH, SEPA.
+<tref title="payer">payers</tref> and <tref title="payee">payees</tref>). Examples: Visa, MasterCard, Bitcoin, Ripple, PayPal, Google Pay, Alipay, Yandex money, ACH, SEPA.
</dd>
<dt><tdef>payment instrument</tdef></dt>
<dd>
@@ -371,7 +371,7 @@
<h2>An Overview of the Payment Phases</h2>
<p>There are many types of transactions in the world of payments,
-including person-to-business, business-to-business,
+including person-to-business, business-to-business, business-to-person,
government-to-person, person-to-government, and
person-to-person. In this document we focus on the
interactions between a <tref>payer</tref> and a <tref>payee</tref>,
@@ -411,7 +411,7 @@
step is skipped.
</p>
<p>
-It is also important to note that these phases and steps may be be interrupted
+It is also important to note that these phases and steps may be interrupted
at various times (e.g., one party drops out, or exceptions occur like
insufficient funds, refunds, or a regulatory block). While these phases are an
approximation of the general flow of all payments, they are helpful in
@@ -520,7 +520,7 @@
<section>
<h3>Delivery of Product/Receipt</h3>
<p>
-The fouth phase of the payment process is used to complete the transaction by
+The fourth phase of the payment process is used to complete the transaction by
providing the <tref>payer</tref> with a receipt and/or the product that was
purchased.
</p>
@@ -625,7 +625,7 @@
</p>
<p>
<strong>Verification of Available Funds</strong>. PayToParty
-receives a proof of hold on Jills fund's for the purchase price of
+receives a proof of hold on Jill's funds for the purchase price of
the goods. The PayToParty night-shift employees begin packing her purchased
items for delivery the next day.
</p>
@@ -721,7 +721,7 @@
</dd>
<dt>Goals</dt>
<dd>
-Rapid, widespread adoption.
+rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -739,7 +739,7 @@
</dd>
<dt>Goals</dt>
<dd>
-Improved user experience, and Rapid, widespread adoption.
+Improved user experience, and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -762,7 +762,7 @@
<dt>Goals</dt>
<dd>
Improved user experience, Greater security, Innovation, Automatability, and
-Rapid, widespread adoption.
+rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -830,7 +830,7 @@
</dd>
<dt>Goals</dt>
<dd>
-Improved user experience, Increased user choice, and Rapid, widespread adoption.
+Improved user experience, Increased user choice, and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -857,7 +857,7 @@
<dt>Goals</dt>
<dd>
Improved user experience, Greater security, Innovation, Transparency,
-Automatability, and Rapid, widespread adoption.
+Automatability, and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -888,12 +888,12 @@
<dd>
Increased user choice, Improved user experience, Innovation, Lower Costs,
Transparency, Automatability, Portability, Monetization,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
Machine-readable offers will have a direct positive impact on store sales
-if they're indexed by search engines.
+if they are indexed by search engines.
</dd>
</dl>
@@ -930,7 +930,7 @@
<dd>
Improved user experience,
Monetization,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -952,7 +952,7 @@
Improved user experience,
Innovation,
Monetization,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1212,7 +1212,7 @@
Automatability,
Portability,
Monetization,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1249,7 +1249,7 @@
Minimal standardization,
Lower Costs,
Automatability,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1270,7 +1270,7 @@
Minimal standardization,
Lower Costs,
Automatability,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1299,7 +1299,7 @@
Improved user experience,
Automatability,
Portability,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1353,7 +1353,7 @@
Innovation,
Transparency,
Portability,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1396,7 +1396,7 @@
Lower Costs,
Transparency,
Automatability,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1479,7 +1479,7 @@
Minimal standardization,
Regulatory acceptance,
Innovation,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1549,7 +1549,7 @@
Minimal standardization,
Regulatory acceptance,
Innovation,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1622,7 +1622,7 @@
</dd>
<dt>Goals</dt>
<dd>
-Automatability, and Rapid, widespread adoption.
+Automatability, and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1764,7 +1764,7 @@
Regulatory acceptance,
Innovation,
Transparency,
-Automatability, and Rapid, widespread adoption.
+Automatability, and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1818,7 +1818,7 @@
Improved user experience,
Transparency,
Automatability,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1845,7 +1845,7 @@
<dd>
Innovation,
Automatability,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1883,7 +1883,7 @@
</dd>
<dt>Goals</dt>
<dd>
-Rapid, widespread adoption.
+rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -1963,7 +1963,7 @@
Improved user experience,
Innovation,
Portability, and
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>
@@ -2018,7 +2018,7 @@
Innovation,
Automatability,
Portability,
-and Rapid, widespread adoption.
+and rapid, widespread adoption.
</dd>
<dt>Motivation</dt>
<dd>