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

Subsequent to the original Quicken, the whole idea that we, as a consumer products company, could actually make business products, that was a whole revolution in our thinking.

The current institutionally provided retirement plans will not cover people's needs upon retirement.

For every one of our failures, we had spreadsheets that looked awesome

Even some of the greatest technology-led revolutions, or allegedly technology-led, really were only made possible because of trends already present.

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.

Thirty to 40 years ago, most financial decisions were fairly simple.