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" Today more people believe in UFOs than believe that Social Security will take care of their retirement. "

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" Even some of the greatest technology-led revolutions, or allegedly technology-led, really were only made possible because of trends already present. "

" Before 1980, it was basically illegal for U.S. banks to invent new products. "

" Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision. "

" The changing nature of money is only one facet of the financial services revolution. "

" So I think instead of focusing on the competition, focus on the customer. "

" Fifty years ago wealth was stored and transmitted physically through gold bars, stock certificates, bank notes, and coins. "

" Be dramatically willing to focus on the customer at all costs, even at the cost of obsoleting your own stuff. "

" Thirty to 40 years ago, most financial decisions were fairly simple. "

" We're still in the first minutes of the first day of the Internet revolution. "

" Subsequent to the original Quicken, the whole idea that we, as a consumer products company, could actually make business products, that was a whole revolution in our thinking. "

" Technology is similarly just a catalyst at times for fundamental forces already present. "

" The current institutionally provided retirement plans will not cover people's needs upon retirement. "

" Well, today people have to be self-reliant if they want a secure retirement income. "

" Mutual funds were created to make investing easy, so consumers wouldn't have to be burdened with picking individual stocks. "

" People don't place their trust in government or company pension plans; they have to be self-reliant. "

" A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now. "