"The major difference between us and Excite, for example, is that they work at only 12 participating merchants, who are paying Excite a transaction fee for every purchase, " says Gross.

CNN: Don't forget your eWallet when you shop online

This step-by-step negotiation preparation process, though designed to help defense department agencies purchase everything from a gross of grenades to a dozen F-15s, is every bit as useful to the woman negotiating health care services for her family, extended family, friends, and, in my case, an impoverished ex-husband.

FORBES: Negotiating Life's End on Medi-Cal: Second in the Series

The net exposure represents the gross exposure less liquid collateral and CDS protection purchase from investment-grade counterparties outside of these countries, Konrad explains.

FORBES: Financials Fall, JPMorgan Shares Hit 1-Year Low On Greece Default Worries