Thanks guys.  I have been cramming by looking at slides on slideshare and I feel pretty good now.  I may be a bit bitcoin heavy in my focus, but why  not since I do not believe anything else out there has as much scope.  I followed Flooz pretty closely in the day and I know of Gwolla, e-gold, Liberty Reserve, mileage points, Linden Bucks, Facebook Credits, SocialRewards, etc...  I will look into Beenz and QQ Coin.  Again- I am pretty comfortable with bitcoins...it's the other stuff I am worried about