Describe the relationship between data, information, and knowledge in the context of analyzing the intemet as a vast warehouse of insights. Why is it important to distinguish between these three clusters when analyzing data? What are the two primary business models for peer-to-peer lenders, and how do they differ from each other? Explain the roles of intermediaries and direct lenders in these models. Describe the role of intermediaries in the peer-to-peer lending business model. How do they partner with depository institutions, and what is the ultimate goal of intermediaries in this context? Explain the term "direct lenders" in the context of peer-to-peer lending. What distinguishes direct lenders from other types of lenders, and what is their typical Octobe