So the theory is that in times of bubble bursts, bloated large companies are hit harder. For instance, the big banks are all having trouble, while small banks are much less effected. Less to upkeep, can adapt faster, can cut costs before-the-fact, plan for a down market etc. This environment is suppose to favor new start-up innovation to adapt to new and changing markets. What do you think? What methods will this happen through most commonly? Where does black hat factor into all of this? What will we be doing in 10 years?