1.   But so far, wireless brokerage services have remained such a small market niche that Schwab does not consider itself late to the game.

2.   First, it was considered too late to the party behind the likes of CompuServe and Prodigy.

3.   If the plane sits on the tarmac for an hour but arrives at its scheduled time, it is not considered late.

4.   Emergency food drops to aid refugees were considered late last year by members of an international force based in Uganda, but the idea was ditched as impracticable.