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SAN FRANCISCO, California

In this Dec. 18, 2009 photo, Willo O'Brien demonstrates Square on her iPhone in San Francisco. Willo is a designer and illustrator that uses Square for credit card transactions with her customer. Using a Square is pretty simple. Swipe a credit card through a slit on the cube's side and it will read your credit card number, translate it into an audio signal and send it onto the iPhone, where it is encrypted. Software decodes the signal and the information is sent out over a cell phone network so the purchase can be authorized. Once the transaction goes through, the costumer's credit card data is deleted. Users can sign for purchases by writing with a finger on the iPhone's touch screen. (AP Photo/Russel A. Daniels)
FILE - In this April 18, 2008 file photo, a Whirlpool washer is shown at G&W Maytag in Lansing, Mich. Modeled after the popular Cash for Clunkers program, which was intended to get cars with low gas mileage off the road, a federal appliance rebate program is launching in early 2010. It offers a boost to people buying energy-efficient clothes washers, refrigerators and other appliances _ and to manufacturers, whose sales fell 10 percent in 2008 and another 12 percent through mid-December this year. (AP Photo/Al Goldis, file)
FILE - In this Jan. 14, 2008 file photo, Tourists watch sea lions on boat docks at Pier 39 in San Francisco. Last month, marine scientists counted more than 1,500 sea lions on fabled Pier 39, a record number that delighted tourists and baffled experts. Why so many? Why were they sticking around? But now, almost all of the sea lions are gone, leaving the experts guessing where they went and why. (AP Photo/Ben Margot)

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