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

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

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.

People don't place their trust in government or company pension plans; they have to be self-reliant.

Fifty years ago wealth was stored and transmitted physically through gold bars, stock certificates, bank notes, and coins.

QuickBooks - the very fact that we could even dream to make something in the business arena, and that it would then succeed - was a total revolution to me.

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