there is no difference at all

one day soon the difference may be that tri bikes are more aerodynamic, or better allow for storage of food, water, and flat kits, because the UCI rules have become too restrictive.

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Kat Hunter reports on the San Dimas Stage Race from inside the GC winning team
Aeroweenie.com -Compendium of Aero Data and Knowledge
Freelance sports & outdoors writer Kathryn Hunter

Jack, are you sure there's no difference at all? haven't UCI regulations already resulted in some watering down of what the market has produced for triathletes?
Consider beam bikes, aerobars, disc covers and perhaps even seat tube angles (due to the 5cm rule).

there could be but not much is on the market that I would call "a triathlon bike"

Like, the Titanflex, is very much a triathlon bike since it is not UCI legal, as is the Cat Cheetah. While these are neat bikes they aren't, yet, better than the UCI legal bikes really.

and I guess Cervelos with stock seatposts may become "time trial bikes"

=)

But certainly when you set up your bike for triathlons, you would do things differently, since you have more freedom with aero bar settings and seat settings.

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Kat Hunter reports on the San Dimas Stage Race from inside the GC winning team
Aeroweenie.com -Compendium of Aero Data and Knowledge
Freelance sports & outdoors writer Kathryn Hunter

I come from a road racing background and I had a TT bike for six years. Then one day I mounted bottle cages behind the seat, and it became a tri bike.

Exactly. Also, when you start taping "nutrition" to the frame, it becomes a tri bike.

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Erik
Strava

and if you tape a lot it becomes a TNT bike

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Kat Hunter reports on the San Dimas Stage Race from inside the GC winning team
Aeroweenie.com -Compendium of Aero Data and Knowledge
Freelance sports & outdoors writer Kathryn Hunter