[JayBallentine]

All this stuff happening, is anyone seeing their business decline this year? How many are seeing double digit or more growth? I would bet that the small business funding universe continues to expand dramatically and there is room for many different ways to get to the customer.

Ease of access will surely open the market. Speed to access is going to starve out players who can't get merchants wired faster than the next guy.

"No one is going to buy a $500 phone unsubsidized." Steve Ballmer; CEO Microsoft in reference to iPhone in 2007.

"I think there is world market for maybe 5 computers." Thomas B. Watson, Chairman IBM 1943

"This telelphone has too many shortcomings to be considered as a means of communication. The device has inherently no value to us." Western Union Internal Memo; 1876

"There is no reason why anyone would want a computer in their home." Ken Olsen, Founder; Digital Equip Corp, 1977