Tic:Toc home loans launches with the promise of 22 minute approvals - what is the tech and what does it mean for government and digital innovation in business?  Nest launches in Australia minus their most popular product the Thermostat but the blokes are impressed with what's on offer - confused by the retailing, NBN hits 50% of Aussies but there's still drama, new mobile deals from Amaysim, Tuniversity on iBooks helps you learn about a song, and Stephen's found a fancy high-tech wallet.  Plus, a couple of great reviews!