The power of the Collective

Summary: http://sippey.typepad.com/filtered/2005/03/zopa.html
Site: http://www.zopa.com/ZopaWeb/

I'd want to read a bit more on logistics, but this seems like a pretty great idea for leveraging individuals. I imagine one enterprising person would be able to leverage a one year 0% rate on a credit card and maybe rotate that money around and make a pretty good profit.