The Indivo system resolves the Problem of Mutual Accommodation of Interdependent Systems summarized earlier by inserting a layer of virtualization between two interdependent structures. It makes the data open, modular, and conformable, so that the applications using the data can be optimized. By being modular (open source), the data in PHRs are commoditized--it is no longer a strategic asset, nor where money can be made. Instead, profit in the industry will be made by firms that build applications that use the data. Some