Before 1980, it was basically illegal for U.S. banks to invent new products.

Well, today people have to be self-reliant if they want a secure retirement income.

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

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

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

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

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