NOVELTY - Facilitating a chemical reaction, comprises raising a temperature of a protective layer covering a catalyst by activating a heating element to expose the catalyst to a chemical solution.    USE - For facilitating a chemical reaction including production of hydrogen for fuel cells used for electronic device (claimed), vehicle, light, camera, home auxiliary power unit and computer.    ADVANTAGE - The method eliminates the need for micro-pumps and their associated controls and electronics often used to move amounts of hydrogen-bearing solution into the presence of a catalyst.    DETAILED DESCRIPTION - INDEPENDENT CLAIMS are also included for:    (a) a method of catalyzing a chemical solution, comprising compartmentalizing the chemical solution into cells, each cells comprising a catalyst covered by a protective layer and a heating element; and selectively activating the heating elements to heat the protective layer covering the catalyst in one or more of the cells to remove the protective layer and expose the catalyst to the chemical solution;    (b) a fuel pellet comprising a chemical solution; a heating element; and a chemical catalyst covered by a protective layer isolating the chemical catalyst from the chemical solution at ambient temperatures;    (c) a method of generating hydrogen comprising providing a hydrogen-bearing fuel source in the presence of a catalyst with a protective coating insulating the catalyst from the fuel source; selectively heating and removing the protective coating; and exposing the catalyst to the hydrogen-bearing fuel source;    (d) a fuel cell cartridge comprising a hydrogen fuel source in the presence of a catalyst, where the catalyst is insulated from the hydrogen fuel source by a heat-sensitive protective coating; and a heating element for removing the heat-sensitive protective coating on demand;    (e) a fuel cell apparatus, comprising an anode; a cathode; an electrolyte disposed between the anode and the cathode; a hydrogen fuel source in the presence of a catalyst insulated from the hydrogen fuel source by a heat-sensitive protective coating; and a heating element for removing the heat-sensitive protective coating on demand;    (f) an electronic device comprising a fuel cell; a hydrogen generating system; and an electrical load, where the hydrogen generating system comprises a hydrogen-bearing chemical solution in the presence of a catalyst that is insulated from the hydrogen-bearing chemical solution by a protective coating at ambient temperatures, and a heating element for removing the protective coating insulating the catalyst from the chemical solution;    (g) a hydrogen generating apparatus, comprising mechanism for compartmentalizing a hydrogen-bearing fuel source; mechanism for catalyzing the hydrogen-bearing fuel source; mechanism for insulating the mechanism for catalyzing from the hydrogen-bearing fuel source at ambient temperatures; and thin film heating elements for removing the mechanism for insulating;    (h) a method for making a chemical reactor comprising presenting an array of addressable heating elements to a substrate; patterning cell frames configured to receive a volume of chemical solution about the substrate; and providing a catalyst insulated by a protective layer in each of the cell frames; and    (i) a method of making a hydrogen generator comprising forming individual cells; providing a heating element to each of the individual cells; coating a catalyst with a protective covering; inserting the catalyst into each of the individual cells; and enclosing each of the individual cells with a cover having one or more initiators.    DESCRIPTION OF DRAWING(S) - The figure is a block diagram of an electronic device with a fuel cell and a chemical reaction system.