And traditional capital becomes a less important asset. The new capital is intellectual capital. Remember that 20 years ago, Microsoft had no capital. Increasingly, the main form of capital is contained in the minds of these 80 million youngsters who are coming into the work force. The first thing is that you need to get yourself wired and start using the technology yourself, personally.
First generation is informational.
Second generation is transactional. First generation, you say we're a great jeans company. Second generation, you enable customers to design and manufacture their own jeans on the Internet. First generation, you say we're a great financial services company. Second generation, you create the financial services supermarket.