So I think instead of focusing on the competition, focus on the customer.

Technology is similarly just a catalyst at times for fundamental forces already present.

We're still in the first minutes of the first day of the Internet revolution.

Mutual funds were created to make investing easy, so consumers wouldn't have to be burdened with picking individual stocks.

A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now.

Today more people believe in UFOs than believe that Social Security will take care of their retirement.

So I think instead of focusing on the competition, focus on the customer.