Well if you look at today, most software company volume is a box, sold through a retail store or sometimes through the mail, with a book in it and a disc that you stick into a computer and run the app.

Another trend in the financial environment is the change in the financial services industry itself.

And if you're ahead of the other guy understanding the customer, and if you're bringing to market the stuff that the other companies just haven't figured out because you're ahead in understanding and delivering for the customer, then they're copying your old stuff.

We have big chunks today coming in electronically, but that's a technology change plus an environment change I wish we had.

At least if you buy a company's stock, like Coca Cola, you kind of know what the company makes.

And then we invented this technique called follow-me-home research.

And so then it was Quicken Version 3 that finally had a whole bunch of start-up changes in it - a start-up interview and that sort of thing.

And from when everyone gave us up for dead and no venture capitalists would invest - not a one because they all thought we were nuts.

Wealth is no longer stored in physical means, it's stored as bits on mainframe disk drives and transferred electronically.