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I'm a huge, raving fan of Evernote - I rely on it to a huge degree - and I'm hoping that the Evernote team is working on some improvements along these lines: 1) The method of encryption is clunky. It's so bad that I've taken to putting all of my data into one card and encrypting the whole thing. When is notebook-level encryption coming? 2) The Windows application needs to have the same security as the mobile apps; an additional layer (PIN code, etc.) 3) After being abandoned by SafeWallet, I'm eager for a digital wallet solution that will be around for the long haul. Evernote could add simple templates, and the above-mentioned notebook-level encryption, and add a whole new level of functionality to their service (without being a distraction from their core mission) Anyone else been asking for the same things?