31.   One new program lets members see specialists in the network without a referral and another offers coverage for alternative treatments, including chiropractic visits, acupuncture and massage therapy.

32.   Other animation programs let users tweak their mini-productions in almost infinite ways, but they also reveal how difficult creating animation can be.

33.   Other programs let consumers print out their own color swatches for wall coverings, carpets or upholstery.

34.   Other programs let you create and edit music if you understand traditional notation.

35.   Some e-mail programs will let you sort your messages by different criteria besides the time they were sent, like Priority settings, size, subject or sender.

36.   Some programs let the user embed little programs, called macros, inside documents.

37.   Some programs even let children become part of their stories.

38.   Some mail programs will also let you do a reverse-sort for items in a column.

39.   Software programs let you take the red-eye out of photos, virtually airbrush like a pro and remove that telephone pole ruining your composition.

40.   Supermarket programs let investors buy and sell mutual fund shares, often with no transaction fees, through their brokerage accounts.