Thirty to 40 years ago, most financial decisions were fairly simple.
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.
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.
Before 1980, it was basically illegal for U.S. banks to invent new products.
Technology is similarly just a catalyst at times for fundamental forces already present.