You are done talking to people and just want to communicate over the phone, so when you reserved your annual vacation online, you did it with just five clicks of the mouse. Voila! You really are smart. You were so proud of yourself you didn’t take time to read the small print on your small phone and didn’t see that your trip was completely nonrefundable, no matter what. Which was painful to learn when the new owners of the corporation you work for called a mandatory meeting for the very day you were going to depart.