For every one of our failures, we had spreadsheets that looked awesome
The changing nature of money is only one facet of the financial services revolution.
Thirty to 40 years ago, most financial decisions were fairly simple.
Be dramatically willing to focus on the customer at all costs, even at the cost of obsoleting your own stuff.
People don't place their trust in government or company pension plans; they have to be self-reliant.
Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.