"One of these was electronic banking. Heck, we even predicted it might be one of the major applications. But whenever a business plan first makes contact with the actual market—the real world—suddenly all kinds of stuff becomes clear. You may have envisioned half a dozen potential markets for your product, but as soon as you open your doors, one just explodes from the pack and becomes so instantly important that good business sense dictates that you abandon the others and concentrate all your efforts."