“By 2030 every technology company will be in the credit processing business and loan business. The actual hardware and software will be distilled and reduced to just these functions. Everything will become a vanishing point to this commodity business.”—Brian Roemmele, 1981
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I still fondly remember reading the brightly colored printouts of the Nilson Report


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Rob, yes! Those were the days! I have to say they were really incredibly good researchers and hung out on the beach of central California doing it!
End of conversation
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