There are many old-line industries, especially when lots of money is involved, where computers have not been used to their full advantage yet; right now they're

There are many old-line industries, especially when lots of money is involved, where computers have not been used to their full advantage yet; right now they're just used as electronic filing cabinets with better auditing and retention than paper. Also, in the United States, the IRS is prohibited by law from competing with commercial tax-preparation services. This is why you have to pay Intuit or TaxACT to file electronically. Presumably, this doesn't help to foster innovation either.