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.
People don't place their trust in government or company pension plans; they have to be self-reliant.
We're still in the first minutes of the first day of the Internet revolution.
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