These adults between the ages of 27-39 have grown up in a hi-tech, complex and diverse world. Considering that most of these individuals have grown up with hi-tech gadgets, using the Internet is something they tend to do with ease and confidence. They tend to be financially savvy, owning credit cards and using the Internet not only for shopping and informational purposes but for financial services ranging from online banking and loans to investments. The people on this list represent the 45 million Gen X population who are balancing home/life and work. Staying connected is very important and besides computers they are also likely to own PDAs, cell phones, mp3 players so they can e-mail, text and instant message anytime and anywhere.