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The problem of jury competence appears to be:
Service Companies
Businesses that provide intangible products, such as expertise, experience, and activities, to consumers or other businesses in exchange for payment.
Venmo
A mobile payment service that allows users to transfer money to one another, typically using a mobile phone app.
PayPal
An online payment platform that enables users to make financial transactions and payments over the internet easily and securely.
Zelle
A digital payments network that allows users to send and receive money directly between bank accounts in the U.S. instantly.
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