The rest goes to individuals who place orders by phone, Internet and mail.

FORBES: She Shall Overcome

In California and elsewhere, growers who can satisfy consumers' appetite for rare varieties and for organically grown cloves have all the business they can handle, with orders coming in by phone and via the Internet.

FORBES: Next Step For Garlic Lovers? Connoisseurship

Retail bank branches may be the oldest legacy of all, but they have not been replaced by ATMs, direct deposit, standing orders for bill payment, travelers checks, credit cards, phone banking, Internet banking or mobile banking.

FORBES: Is SWIFT Lagging On Corporate Actions Or Serving Its Global Membership?