I’m not trying to be dense here, but exactly all of that was predicted. What about the environment in 1998 caused you to believe that we would stagnate?

Just 3 years later, online banking was ubiquitous in 2001 - such that I stood at a conference for retail banking and personally pitched dozens of banking executives on frameworks and white label software they could use to build their own. Meaning that it wasn’t just one-off banks who were doing it, and surely some were doing this in 1998 as well.

Cable modems were becoming common. ADSL was next best thing.

1998 was a year things really exploded. It was part of the tech bubble upswing. I’m confused what would cause someone to think that was the end of history.