I’m not trying to be dense here, but exactly all of that was predicted. What about the environment in 1998 caused you to believe that we would stagnate? Just

I’m not trying to be dense here, but exactly all of that was predicted. What about the environment in 1998 caused you to believe that we would stagnate? Just 3 years later, online banking was ubiquitous in 2001 - such that I stood at a conference for retail banking and personally pitched dozens of banking executives on frameworks and white label software they could use to build their own. Meaning that it wasn’t just one-off banks who were doing it, and surely some were doing this in 1998 as well. Cable modems were becoming common. ADSL was next best thing. 1998 was a year things really exploded. It was part of the tech bubble upswing. I’m confused what would cause someone to think that was the end of history.