No one can even guess at the world's time burden for person-to-person and person-to-business and business-to-business paperwork. Some part of that comes with paying bills. Most people spend no more than a minute or two a day on this chore, yet it weighs disproportionately on the mind as, by definition, a draining obligation. Perhaps you have begun to speed up your personal finance with a personal-computer check-writing, check-printing, checkbook-balancing, portfolio-managing, bill-paying product. The marketers responsible for the most popular bill-paying software minced no words about its main selling point when they named their product "Quicken." It has a "streamlined interface." It has "OneClick Shortcut Technology." It has QuickTabs, QuickZoom, and QuickFill: by the time you have typed "b-l-o" the software has guessed that this is your Bloomingdale's bill-another fraction of a second saved. But does such software save time overall? That may depend on whether you are the sort of person who can be sucked into creating color pie charts to break down your grocery budget in fine detail. To save time, you must invest time. Do you succumb to the automated plea that you "register the software" (an industry euphemism; what you really register is yourself) and discover, after filling in the on-screen forms, that you need to set up your modem yet again? (And where is the manual for that?)