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

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

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

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

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

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

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.