Yes, it's an example of disrupters entering the market (Vanguard, Robin Hood) and an established brand reacting correctly, and consumers gaining by it. Other ex

Yes, it's an example of disrupters entering the market (Vanguard, Robin Hood) and an established brand reacting correctly, and consumers gaining by it. Other examples are Uber and T-mobile. Too bad there's been no similar disrupter in health care yet, but maybe that's coming.