There are already people doing this In Edinburgh where I'm based, with far more impressive numbers than 250 users pre-launch, FreeAgent (http://www.freeagent.com) If you think these guys are going well you should check them out. They actually DO have the figures to back up being called "disruptive". I don't mean to be negative with regards Bullet, just that when I read the post I thought wow only 250 and they're "disruptive". The guys at FreeAgent are doing a spectacular job and the funding they received and users they're pulling only serve to confirm it.