2005 was a year of growth for the US online bill payment industry, which is beginning to sail clear seas after several years of struggling to navigate the shoals of "emerging market" status. This TowerGroup ViewPoint summarizes the year's ebbs and flows by diving into the "Seven Cs" of bill payment during 2005 and envisioning their effect on the year ahead. These critical Cs document the past year's activity, positioning "lighthouses" for the coming year, as online bill payment continues to mature.