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> When a market is dominated by risk-averse incumbents, it is probably ripe for disruption.

Who originally formulated this idea? Was it you? This sentence is fantastic.

As GP said, read Christensen's "Innovator's Dilemma". He's the guy who first came up with the term "disruptive innovation", and it's more than just a TechCrunch buzzword -- there's a whole theory behind how disruption actually works.

The concept dates back much further than Christensen. See http://en.wikipedia.org/wiki/Creative_destruction

Schumpeter should be required reading.

Agreed. I was thinking the same thing.

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