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If you can’t beat ’em – surround ’em. That may be the crux of Microsoft’s emerging strategy for combating emerging software-as-a-service (SaaS) competitors.
Although Microsoft (NASDAQ: MSFT) executives continue to criticize Office competitors such as chúng tôi Sun’s StarOffice, and Google Docs as inadequate for most users’ needs, the company is not beyond changing directions when it sees that the herd is going against it.
That includes, according to a third-party firm that claims to have been briefed, upcoming software licensing changes that will let companies stream Microsoft’s Office applications to users’ desktops as different parts of the programs are needed.
In that regard, Microsoft has been gradually getting its feet wet in recent months, beginning with its upcoming consumer subscription service for Office 2007, which it has codenamed Albany. Albany, which is not fundamentally a streaming service, is currently in “private beta,” according to the company.
It’s difficult not to draw a connection between streaming Office to users’ desktops and a recent announcement by a very senior Microsoft executive regarding use of application virtualization to deliver applications to corporate customers.
“Virtualization is the key… You might have several thousand business applications in your environment, and it’s really a problem to have to manage several thousand operating system images,” Bob Muglia, senior vice president of Microsoft’s Server and Tools Business, told attendees at the company’s Microsoft Management Summit 2008 in Las Vegas last week.
“What you really want is to be able to separate those operating system images out, have a small number of operating system images that bring together the combination of the underlying operating system and the middleware that you run, and then have your applications fully separated,” he added.
That is, while there are efficiencies and cost savings to be gained from operating system virtualization – as in the company’s forthcoming Hyper-V hypervisor – virtualizing the applications themselves also offers benefits.
“While we are always looking at new ways to make it easier for our customers to get Microsoft Office, at this point, we do not have any pilot in place to offer Microsoft Office through streaming,” a company spokesperson told chúng tôi in an e-mail.
Its actions say otherwise.
The official line, however, appears to clash with what a third-party application virtualization firm said in an e-mailed statement to chúng tôi in April.
“Endeavors Technologies … today announced support for the Microsoft program amending the Service Provider License Agreement (SPLA). The new program allows service providers to stream Microsoft Office for delivery through a software-as-a-service (SaaS) model,” the statement said. Microsoft has yet to announce changes to the SPLA that would enable customers or third parties to provide such a service, however.
That still leaves open a larger question: Why would Microsoft undercut its own shrink-wrapped products by selling them on some kind of “utility” basis? – charging for what’s used rather than a flat license fee or an annual license.
“With technologies like SoftGrid, that will be possible in the future, and overall what we are doing is working to move our server applications into a stateless environment so that they can be composited together at runtime so that the applications don’t need to go through an installation process on top of the operating system. They can simply be copied,” Muglia said. (Microsoft acquired SoftGrid, now renamed Microsoft Application Virtualization, in 2006 when it bought out Softricity.)
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Once upon a time, bright boxes of the latest Microsoft Office pleaded for your attention in big box stores. Now, as with music albums and best-selling books, Office is going the way of the download. With the debut of the new Office on Tuesday, Microsoft is pushing Office as a subscription service rather than as a physical product plucked from a shelf.
What this means is that there are even more versions and sub-versions of Office to choose from. Read on to cut through the cluttered branding so you can understand what each product is and does.
Which version of Office are you using now?The new Office
The “new Office” is how Microsoft describes this year’s release of a raft of products. The new Office encompasses Office 365, Office 2013, and more—bridging the gap between the software on your hard drive and your services and data in the cloud. Rather than leaving you dependent on Office software and docs that are tied to your PC and hard drive, Microsoft aims for you to have Office wherever you need it: at work, at home, on your PC, on your phone, and on your tablet, whether you’re online or offline. To get this experience, you sign in with your Microsoft identity, which follows you wherever you use Office.
Compare Word 2010, at left, with the new Word 2013, at right.Office 2013
What you probably used to think of as Microsoft Office is now just the desktop software component—think Word, Excel, and PowerPoint and friends—of the new Office. Buy Office 2013 in a box, and all you’ll get is a printed product key (only developing countries will get a disc in that box). You can either purchase Office 2013 local software alone or get it bundled along with an Office 365 subscription. Here’s PCWorld’s detailed review of Office 2013. If Office 2013 is all you want, you can get it three ways:
Office Home & Student for $140 (Word, Excel, PowerPoint, OneNote)
Office Home & Business for $220 (adds Outlook)
Office Professional for $400 (adds Publisher and Access)
Alternatively, you can get the applications with one of several Office 365 subscriptions, below. If you’re one of the few people who work off the grid, Office 2013 is best for you. But for the majority of users—those who can’t work without Internet access—Office 365 offers more practical options, and its options tend to be a better deal.Office 365
Office 365 is the umbrella brand covering both Office 2013 software and its related online tools. It’s cloud-connected and always on, with updates released on a rolling basis. By default, you save your data to the cloud: Consumers share to the SkyDrive storage service, while businesses stash and share data via SharePoint. For Apple aficionados, Office 365 includes Office for Mac. Here’s a guide to choosing the version of Office 365 that will best suit your needs:
Does your whole household use Office? This one’s for you. Office 365 Home Premium costs $100 per year, with installs for five PCs or Macs in addition to mobile devices. Word, Excel, PowerPoint, OneNote, Outlook, Publisher, and Access come with it, as doe 20GB of SkyDrive additional storage and an hour of monthly Skype calls.
Office 365 University includes all of the above but with two Office 2013 licenses per user. It comes at a steep discount for students, faculty, and staff: only $80 for four years.
Microsoft has not yet announced anything about Office 365 for government or nonprofits.
Office 365 Small Business Premium will be available “with new capabilities” on February 27, alongside the two following business packages. The apps included are Word, PowerPoint, Excel, Outlook, OneNote, Access, Publisher, and Lync. It costs $150 per person annually.
Office 365 ProPlus is the same as Small Business Premium, but expanded for 25 user accounts, with five installations per user, available February 27, pricing to be announced.
Office 365 Enterprise: It’s basically ProPlus, plus Exchange Online, with archiving for company email, as well as SharePoint and Lync for collaboration. Also available February 27, pricing to be announced.Office for Mac
Office Home & Student RT comes preinstalled on Microsoft’s Surface RT slate.Office RT
Microsoft’s Surface RT tablets include 2013 RT flavors of Word, Excel, PowerPoint, and OneNote, optimized for touch gestures. Office RT generally offers more features than Office for Windows Phone 8 or Office Web Apps, but fewer than Office 2013 on a PC. Surface RT initially shipped with a preview of Office Home & Student RT, with the final version available last October. Microsoft’s beefier Surface Pro tablets, on the other hand, can run any iteration of the latest Office software you want to purchase.
Here’s Word on a Windows phone.
Office for Windows Phone 8
All Windows 8 phones run mobile editions of Office software, updated in October 2012. You get to Word, Excel, and PowerPoint through the mobile Office Hub. You’ll also get the OneNote note-taking app. Office docs render beautifully on Windows handsets, and they’re easy to open from or attach to email messages. Since documents are stored in SkyDrive, they’ll display your latest changes and time stamp, whether you’ve last worked on them from a PC, a Windows phone, or a Windows 8 tablet.
Office Web Apps
These are pared-down versions of Word, Excel, PowerPoint, and OneNote that run in a browser. Panned as weak in the past, they were updated last fall. They’re not meant to serve as your primary document tool; rather, they’re built to let you access and edit Office files on the go.
Office on Demand
Need to jump onto someone else’s computer and work on an Office project? Maybe you need more functions than the Office Web Apps provide. Microsoft tailored Office on Demand for exactly this scenario. Through the magic of virtualization, it lets you run your personalized, full Office applications on PCs where they’re already not installed. You just need to be on a Windows 7 or 8 computer, and have a subscription to Office 365. The programs include Word, Excel, PowerPoint, Access, Publisher, Visio, and Project. You log in to your Microsoft account at chúng tôi to get started; this video explains more.
You can stream Office apps to any PC with Office on Demand.Office for iOS and Android
Remember when I said that Microsoft wants you to access Office from wherever you’re working, including on your tablet and phone? Let’s limit that to your Windows 8 phone and your Windows tablet, at least for now. Although Microsoft is proud of its OneNote app for iOS and Android, you won’t get officially sanctioned Word, Excel, and PowerPoint on those platforms. Rumors abound that that’s likely to change soon, but Redmond’s is staying mum on the subject for the time being. In November the Verge predicted that you’d find Office for the iPad in the wild early in 2013. We’re still waiting.
In the meantime, startups have been offering tablet-friendly workarounds for several years, notably QuickOffice and Documents To Go. You can stream virtualized Office software on your iPad or Android device with the CloudOn app. These third-party apps let you save your work to Dropbox, Box, or Google Drive, bypassing SkyDrive and Microsoft’s lineup altogether.
Build more reference tools into Word with Apps for Office.Office Store
Microsoft invites third-party developers to build apps on top of Office. The Office Store is where you can purchase these add-ons, which include such tools as a Brittanica reference guide, a LinkedIn social media hub, and a digital signature manager.
This website is where you sign in to access everything Office-related. Here, you can access SkyDrive and jump to the Office Web Apps.
Editor’s note: This story was updated with additional details about Office for Mac.
Microsoft practically gave away their suite of Office software in the early days of the PC boom. Turns out that this was a brilliant marketing move as now virtually every individual, school and business relies on Microsoft Office software to get work done. As it turns out, Microsoft was playing a long game. Now, Microsoft’s Office suite costs a fortune. Currently, a one-year license for Microsoft Office costs a whopping $150 on the Microsoft website. Unfortunately, consumers have little choice but to open their wallets and fork over the cash. Or do they? Here are some ways you can get Microsoft Office for cheap.Office 365 Education/Alumni
Microsoft and various educational institutions around the world have had a partnership that stretches back a number of years. This partnership means that students and educators can get the latest version of Microsoft Word, Excel, Powerpoint and OneNote for free. The only catch is that you have to have a valid email issued by a participating educational institution.
To see if you are eligible, head to Microsoft’s website. Be aware that Office 365 Education does not entitle you to the software forever. That being said, Microsoft does extend a significant discount to its Office suite for graduates. Dubbed Office 365 Personal, users get access to the core Office apps as well as 1TB of cloud storage for just $12 per year. That’s only a dollar a month! As with Office 365 Education, you will need access to an email address from a participating educational institution.Office Online Mobile Office Apps (iOS/Android)
If you’re constantly on the go and need to stay productive, you can download the core Office apps including Word, Excel, Powerpoint and OneNote free of charge on your Android or iOS device. Unfortunately, there isn’t a single Microsoft Office app that includes all of the core apps. Instead, you’ll have to download each app individually. That being said, Microsoft is currently developing a proper Office app that combines all of the core apps in one.
As of this writing, the Microsoft Office app is available in beta form, however access is closed at this time. Additionally, Microsoft’s free Mobile Office apps are freely available for devices with screens that measure 10.1 inches and below. This means that if you use a tablet, 2-in-1 or small laptop that falls in that category, you’ll be able to install the Mobile Office apps on your device.OEM Keys
OEM stands for “Original Equipment Manufacturer”. An OEM key allows manufacturers of computers to pre-install software on their machines before they hit stores. Typically, these manufacturers buy these licenses from a software developer (in this case Microsoft) in large quantities. Unused OEM licenses, or keys, can be purchased by end users at a significant discount. This is because the original equipment manufacturer would have bought the software licenses in bulk, thus reducing their individual cost.
Buying OEM license keys isn’t illegal, however you’ll want to exercise a bit of caution if you go down this route. There are a variety of online vendors that sell cheap OEM keys, however you’ll want to do some research before opening up your wallet. Forums and other message boards will steer you clear of shady vendors, otherwise you might have activation issues down the track.Microsoft Office Alternatives
When it comes to productivity applications, there is no doubt that Microsoft Office is the king. However just because Microsoft Office is the most popular, doesn’t mean that there aren’t alternatives out there. In fact, many of the alternatives are compatible with Microsoft Office, meaning you won’t have any issues with sharing documents between users, regardless of what Office suite they opt to use. When choosing an alternative Office suite, you have two options, online suites and offline suites.
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Microsoft 365 subscription comes with bunch of apps like Word, Excel, PowerPoint, Outlook, etc. By default, all these Office apps will open with a white background and black color font. In our earlier articles, we have explained how to customize the theme settings of Microsoft Word and Excel. However, do you know that you can use night mode or dark mode in Office apps? In this article, we will explain how to use dark mode in Office apps for Windows and Mac based on Microsoft 365 subscription. The process remains same for Office 2023 apps as well.Night Mode or Dark Mode Enable Dark Mode in Microsoft Office Apps for Windows
Unfortunately, using dark or light mode in Windows will not directly affect the look of Microsoft 365 apps. What you can do is to choose dark mode for apps from Windows settings. This will force all apps like Word to use dark mode regardless of Windows color mode.
Press “Win + I” keys to open Windows Settings app.
Navigate to “Personalization” tab and select “Colors” option.
Select “Custom” for “Choose your mode” setting.
This will open additional options for Windows and apps. Now, select dark mode for apps and select light or dark mode for Windows.
Use Dark Mode for Apps in Windows
Though this will work, it will also force all other apps like Edge to use dark mode in your computer. If you do not want this, then the correct and best solution is to change the theme from Office backend settings as follows:
Choose Black Theme for Office Apps
Now that you can see the app is completely changed to dark mode including the ribbon icons and page color. Remember, the selected Office Theme will be applied to all Office apps like Excel, PowerPoint and Outlook.
Word Black Theme
Note: If you want to use Windows dark mode settings, then make sure to select “Use system setting” option. However, this has no difference than using dark mode for all apps.Enable Dark Mode in Microsoft Office Apps for Mac
As mentioned, Office apps will follow your macOS settings for dark mode. So, first make sure you have enabled dark mode in your Mac as explained below.
Select Dark Mode in Mac
When you select “Dark” mode, all your Office apps will immediately change to dark color. Below is how Word for Mac app will look in dark mode. Note that the accent color will not impact third-party apps like Microsoft Office apps. It will only change the title bar and other accent colors in native Apple apps like Pages.
Word for Mac App in Dark ModeCustom Settings for Office Apps in Mac
Now that you have enabled dark mode and you may find there are two problems not resolved. One is the background color which still shows white. Second is that you want to exclude any specific Office app to work in light mode while other apps to follow dark mode. Fortunately, Office for Mac allows you to do these two things easily. Here we will show with Word and you can do the same with other apps like Excel or PowerPoint. Remember, these settings will be applied only to the specific app and not for all Office apps.
Open General Word Preferences
Check under “Personalize” section and select “Turn off Dark Mode” option.
Disable Dark Mode and Change Background Color
If you want to have a dark background color then select “Dark Mode has a dark page color” option.
Word for Mac App with Dark Page Color
In this way, you can either turn off dark mode only for Word or use dark black background with white text while using dark mode.Changing Background Color in Word
If the white background is your only problem, then you can change the page color in Word without using dark mode. Though this works both in Windows and macOS versions, it only works in Word app.
Dark Page Color in Word
As you can see in the above screenshots, dark page color will not change the ribbon and other items in Word to dark mode.Final Words
Now, you know how to enable dark mode or use other Office themes to get rid of boring and eye straining white background. Good part is that it works on both Windows and Mac versions of Microsoft 365 apps. If you do not want to change the theme, simply change the page’s background color in Word and use it as a default template. However, this may not be a good option as it will not work on other apps like Outlook.
Here’s the entire letter :
Dear Fellow Stockholder:
The recently-formed Carl Icahn-Microsoft alliance continues to make misleading statements about their plans for Yahoo!. Your Board of Directors believes strongly that the Icahn-Microsoft agenda -as presented to us jointly last week – will destroy stockholder value at Yahoo!, serving only their very narrow special interests, clearly not your interests.
Your Board continues to work to maximize value for you and is taking the following steps to do so:
— Preparing to implement our recently signed commercial agreement with Google that will increase cash flow;
— Continuing to explore other ways to unlock value and return value to you such as unlocking the value of our Asia assets; and
— Remaining open to negotiating a value creating transaction (including with Microsoft) that provides real and certain value – not just the possibility of value.
In contrast, let’s review Carl Icahn’s brief involvement with the Company to date.
Carl Icahn bought his stock two months ago for an estimated average cost of less than $25 per share. He is well-known as a corporate agitator with a short-term approach to his investments. His short-term approach gives Mr. Icahn a strong incentive to strike any deal with Microsoft that enables him to recover his investment and get back his money quickly, even a deal that does not provide full and fair value to you. Is that in the interests of all stockholders? Clearly, it is not.
Mr. Icahn has severely handicapped himself in his ability to negotiate a favorable transaction with Microsoft. Why?
— Mr. Icahn has made it clear that his only objective is to sell part or all of Yahoo! to Microsoft. That fact, combined with his lack of an operating plan going forward, means that he will have no leverage to negotiate a fair deal with Microsoft. He has set himself up for failure.
— Second, Mr. Icahn and his slate lack the working knowledge of Yahoo! and its Internet business needed to do two things that are required to successfully deliver a value-enhancing transaction for Yahoo! stockholders. First, they do not have the detailed knowledge to negotiate a complex restructuring of a large, innovative high technology company in a rapidly changing environment. Second, they do not have the hands-on experience to manage and lead Yahoo! during the approximately one year period estimated to be required to gain regulatory approval for a deal or to manage and lead the remainder of the Company (non-search) after a transaction is completed. Don’t take our word for that. Mr. Icahn will be calling the shots if his slate wins and yet Mr. Icahn himself told the Wall Street Journal last fall: “Technology hasn’t really been one of the things I’ve focused on too much before” and “It’s hard to understand these technology companies.” That’s why you need a knowledgeable, experienced and independent board to represent your interests vis-a-vis Microsoft.
Mr. Icahn can’t make up his mind about what he thinks will work for Yahoo!. He bought his position believing that he could bring Microsoft back to buy all of Yahoo!, at one point suggesting we publicly offer to sell Yahoo! to Microsoft for $34.375. But he didn’t do enough due diligence to determine what your Board already knew: that it was Microsoft’s decision to walk away and that it had rebuffed repeated efforts by your independent directors to get a whole company acquisition back on the table. Recognizing that a sale to Microsoft might not be an option, Mr. Icahn said as an alternative that we should enter into an agreement with Google (which we were already negotiating and subsequently signed), and that we should walk away from Microsoft’s search-only proposal (which we did after careful evaluation of that proposal). Then, in an extraordinary flip flop, Mr. Icahn teamed up with Microsoft and embraced their latest joint search-only proposal–even though it involved significant execution and operational risks and was fraught with flaws that made the “headline value” asserted by Microsoft and Mr. Icahn more illusion than reality.
How can Yahoo! stockholders trust Mr. Icahn to deliver what he claims he can deliver when his actions have been so contradictory -and when all he has delivered so far is a risky proposal of questionable value from his new friends at Microsoft? Yes, the Microsoft/Icahn proposal is somewhat of an improvement over Microsoft’s last search-only proposal, but no one should confuse a modestly improved offer with a good offer. The Icahn/Microsoft proposal was more “smoke and mirrors” than objective reality.
Now let’s turn to the recent marriage of convenience between Microsoft and Mr. Icahn.
This “odd couple” collaboration – between two parties with keenly different agendas – is indeed perplexing. Why does Mr. Icahn believe he can count on Microsoft to complete a transaction? Certainly Microsoft is a well-respected and successful company and we have been clear that we are fully prepared to do a deal with them. But Microsoft’s flip flops and inconsistencies over the past five months are so stupefying that one can only conclude that Microsoft was never fully committed to acquiring Yahoo! either because:
— Microsoft can’t decide what is and isn’t strategically important to its online business; or
— Microsoft is more interested in destabilizing a key competitor so that it can either enhance its competitive position or buy our highly valuable search business–and the enormously desirable intellectual property associated with it –at a bargain basement price.
Microsoft desperately needs to improve the performance of its online services business (consisting of its search and display assets) which, cumulatively since 2003, has lost money despite billions of dollars of investment. And yet Mr. Icahn would ignore this track record and its implications for his fellow Yahoo! stockholders, swallowing a deal that leaves Yahoo!’s future dependent, in part, on Microsoft’s ability to monetize search. And, as Mr. Icahn has himself pointed out, it would eliminate any opportunity we may have to sell the entire Company for an attractive premium.
In contrast to the conflicting and confusing statements emanating from the Icahn-Microsoft alliance, your Board and management have been crystal clear about our position.
First, we will sell the entire Company to Microsoft for $33 per share or more if Microsoft will negotiate a transaction that delivers certainty of value and certainty of closing. This is the simplest, most straightforward way to maximize value for you.
Second, we remain open to selling only search to Microsoft as long as it provides real value to our stockholders and resolves the substantial execution and operational risks associated with the separation of our search and display businesses.
Third, your Board takes seriously its obligation to examine all value-creating steps it could take and continues to actively examine many of these now, including a potential spin-off of our Asia assets and a return of cash to stockholders. These are steps Yahoo! could take, if we determine they are feasible and in our stockholders’ best interests, without any “help” from Microsoft or Mr. Icahn. But they are complex steps that require care and prudence. These should not be adopted simply because Mr. Icahn and Microsoft are trying to dress up Microsoft’s inadequate search-only proposal.
Please compare and contrast the straightforward, responsible actions and positions of your Board of Directors with the behavior of Mr. Icahn and Microsoft.
There you have the situation, as we see it, put as simply and clearly as we can. We believe the Icahn slate and agenda present significant risk to your investment in Yahoo!. We believe you cannot count on Microsoft to bail out Mr. Icahn’s misguided agenda, at least not on terms that are in the best interests of Yahoo! stockholders.
Your Board of Directors remains committed to maximizing stockholder value. It is–and will remain–our number one priority. Do not be fooled into thinking otherwise by Carl Icahn.
We strongly urge you to vote your WHITE Proxy Card today for your current Board of Directors.
Thank you for your support.
Chairman of the Board Chief Executive Officer
President Joe Biden issued a sweeping executive order on Friday that encourages government agencies to begin enacting reforms across the tech spectrum, including re-enacting net neutrality, enforcing broadband competition, enacting “right-to-repair” laws, and more.
(The order, when published, will appear on the Federal Register of executive orders.)
It’s worth noting, however, that the order simply “directs” or “encourages” federal agencies to begin enacting rules, shying away from a direct order. Commissioners serving on the Federal Trade Commission, for example, are appointed by the President, but must be confirmed and act independently. The executive order simply makes the wishes of the President more clear.
Here are how the provisions of the executive order could affect you:Net neutrality and lowering broadband fees
Biden’s executive order lists four big issues that cover broadband, but the headliner is net neutrality. Big ISPs can use their power to slow down online services, the order’s fact sheet notes. The net neutrality movement crested in 2024 when the FCC voted to reclassify broadband as a Title II public utility. The Trump Administration, under FCC chairman Ajit Pai, worked to reverse those rules.
“In the Order, the President encourages the FCC to restore Net Neutrality rules undone by the prior administration,” the fact sheet states.Lack of competition among broadband ISPs in apartments
While homeowners can pick and choose among whatever broadband ISPs offer service in their area, apartment dwellers may not be so lucky.Clarity on broadband fees
The Obama administration tried to implement a “broadband nutrition label,” according to the White House, but the effort was later overturned.Right to repair, including cell phones
The executive order specifically names cell-phone manufacturers and repair shops as covered by the order. The order “encourages the FTC to issue rules against anticompetitive restrictions on using independent repair shops or doing DIY repairs of your own devices and equipment.” It would free you up to perform your own repairs and theoretically allow repair shops more latitude—though how much more than the present, it isn’t clear. iFixit, which has been leading the charge on right to repair, has its own take.Big Tech: Your data, their mergers
The Biden Administration is seeking greater limits on what data can be collected by companies like Facebook.
The Biden Administration’s order also calls for a “greater scrutiny of mergers,” presumably those like Facebook’s acquisition of Instagram, or WhatsApp to extend its reach. The administration will more closely scrutinize mergers, “especially by dominant internet platforms, with particular attention to the acquisition of nascent competitors, serial mergers, the accumulation of data, competition by ‘free’ products, and the effect on user privacy,” the fact sheet states.
The order also calls upon the FTC to look at how big tech companies study, copy, and then eventually extinguish smaller competitors by reproducing their products or services.Airplane Wi-Fi
Have you ever boarded a flight, paid for Wi-Fi, then discovered it either didn’t work or was simply too slow to be useful? The order specifically calls this out, asking the Department of Transportation to order airlines to refund fees “when baggage is delayed or when service isn’t actually provided—like when the plane’s WiFi or in-flight entertainment system is broken,” the fact sheet notes.Non-compete agreements Hearing aids
For many, a hearing aid is less a tech gadget and more of a necessity. But the price—$5,000 or so, according to the Biden Administration—isn’t always covered by health insurance, and consumers must buy them from a health-care specialist. The administration would open this up to over-the-counter sales, presumably allowing hearing aids to join the ranks of inexpensive earbuds and other tech gadgets produced cheaply overseas.
The order also encourages the Consumer Financial Protection Bureau (CFPB) to issue rules allowing customers to download their banking data and take it with them.
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