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	A brand is no longer what we tell the consumer it is - it is what consumers tell each other it is.   
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	So I think instead of focusing on the competition, focus on the customer.   
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	Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.   
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	We're still in the first minutes of the first day of the Internet revolution.   
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	Well, today people have to be self-reliant if they want a secure retirement income.   
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	Today more people believe in UFOs than believe that Social Security will take care of their retirement.   
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	Mutual funds were created to make investing easy, so consumers wouldn't have to be burdened with picking individual stocks.   
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	Technology is similarly just a catalyst at times for fundamental forces already present.   
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	Fifty years ago wealth was stored and transmitted physically through gold bars, stock certificates, bank notes, and coins.   
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	Be dramatically willing to focus on the customer at all costs, even at the cost of obsoleting your own stuff.   
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	People don't place their trust in government or company pension plans; they have to be self-reliant.   
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	The changing nature of money is only one facet of the financial services revolution.   
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	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.   
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	Thirty to 40 years ago, most financial decisions were fairly simple.   
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	Before 1980, it was basically illegal for U.S. banks to invent new products.   
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	The current institutionally provided retirement plans will not cover people's needs upon retirement.   
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	A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now.   
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	QuickBooks - the very fact that we could even dream to make something in the business arena, and that it would then succeed - was a total revolution to me.   
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	For every one of our failures, we had spreadsheets that looked awesome   
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	Even some of the greatest technology-led revolutions, or allegedly technology-led, really were only made possible because of trends already present.   
