Software development takes immense intellectual effort. Even the best programmers can rarely sustain that level of effort for more than a few hours a day. Beyond that, they need to rest their brains a bit, which is why they always seem to be surfing the Internet or playing games when you barge in on them.
Joel SpolskyFull service brokers, in this day and age of low cost mutual funds and discount brokers, are really nothing more than machines for ripping off retail investors.
Joel Spolsky