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

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.

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

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