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.

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.

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

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

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

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