2. S&P runs a service called Vista Research. They've built a stable of experts in various vertical markets, and they've cultivated an advisory client list. So the clients come in with crazy questions about things impacting their business or investment decisions and S&P hooks them up with the Expert to answer. The Experts bill the client, and S&P also bills the client as a subscriber with access to all the experts. (I'm an 'expert' and get a question once a month or so. It's never turned into business for our company yet though.) Theirs is a super-premium service for people making $million decisions. It's also heavily manual. Recruiting experts, selling clients, matching clients to experts, etc. Maybe there's some web2.0 optimization of that niche to be had.