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We help to simplify their lives by providing that one-stop-shopping experience , on one application and one bill , " Hakim added . It is understandable that people want to simplify their thinking . However , the bipartisan compromise includes a concession to state and local governments ( most of which depend on sales taxes for about a third of their revenues ) giving states five years to simplify their sales tax-collection systems , according to a report in USA Today online . The Blue Cross and Blue Shield ( BCBS ) companies have launched a new financial services organization designed to give consumers greater financial options and to simplify their healthcare-related savings and spending . David Johnson is a foreign exchange consultant with Halo Financial Ltd helping private and corporate clients to simplify their currency dealings and to achieve improved exchange rates through market insight .