A brand is no longer what we tell the consumer it is - it is what consumers tell each other it is.

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.

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

The current institutionally provided retirement plans will not cover people's needs upon retirement.

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.

So I think instead of focusing on the competition, focus on the customer.