❝ Something for nothing, does not work❞

❝ Financial industry did not understand technology❞

❝ false notion that anyone can be trained for the job❞ 

❝ tremendous pressure on the financials❞  

❝ change in solutions and pressure on consultants to adopt ahead of the client❞ 

❝ Technology is the business❞  

❝ Banks have your money and my money❞