March 2025

  • Understanding the Shape of Change

    Change is the only constant in life, yet it rarely unfolds in ways we expect. While we sense its approach, its shape — whether sudden and disruptive or slow and subtle — often defies our predictions. As the pace and scale of change accelerate, understanding its patterns becomes more crucial than ever.

    The World Government Summit put together a helpful interactive website where you can test your knowledge on the trajectory of key statistical indicators for the development of society over the past decade. Here is the text from their opening screen.

     

    Can we estimate how much the world has changed in a decade? Or do our own experiences impact the perception of progress? This work challenges the assumptions we make about how key statistical indicators regarding Health, the Environment, or Education evolve through the years. 

    The Shape of Change via the World Government Summit

    The first part of the process was designed to be like a guessing game where you try to predict the direction and the rate of change of key issues shaping the world (like oil dependency, pollution,  literacy, economic freedom, etc.) by answering some questions at "The Shape of Change." It is simple, easy-to-use, and has a nice interface … but answering the questions was more challenging than expected. Try it here

     

    Screen Shot 2023-05-19 at 2.34.04 PM

    The Shape of Change via the World Government

    The second part of the experiment lets you explore the year-over-year changes in key statistics regarding health, education, economy, and other topics.

     

    Screen Shot 2023-05-19 at 2.38.55 PM
    The Shape of Change via the World Government

    If you want to explore this further, I asked Perplexity to give me a broad overview of the project and its key insights. Here is the link.

    The data is interesting. But, perhaps, your reaction to the data is more important. 

    Were there any numbers that surprised you?

  • Taking Lessons on AI from my Grandmom

    Almost every event I go to nowadays ends up focused on AI. At a recent event, conversations ranged from use cases for generative AI (and the ethics of AI image creators) to the long-term effects of AI and its adoption.

    Before I could chime in, the conversation had gone to the various comparisons from past generations. When electricity was harnessed, articles claimed that it would never catch on, it would hurt productivity – and woe be unto the artisans it would potentially put out of business if it were to gain traction. 

    When the radio or TV was released, the older generation was sure it would lead to the death of productivity, have horrible ramifications, and ultimately lead to the next generation's failure. 

    People resist change. We're wired to avoid harm more than to seek pleasure. The reason is that, evolutionarily, you have to survive to have fun. 

    On the other hand, my grandmother used to say: "It's easy to get used to nice things.

     

    My Little Corner of the World: Grandma's Hands

     

    Here's a transcript of some of my comments during that discussion: 

     

    With AI, getting from "Zero-to-One" was a surprisingly long and difficult process.  Meaning, getting AI tools and capabilities to the point where normal people felt called to use it because they believed it would be useful or necessary was a long and winding road.  But now that everybody thinks it's useful, AI use will no longer be "special".  Instead, it will become part of the playing field.  And because of that, deciding to use AI is no longer a strategy.  It becomes table stakes.

    But that creates a potential problem and distraction.  Why?  Because, for most of us, our unique ability is not based on our ability to use ChatGPT or some other AI tool of the day.  As more people focus on what a particular tool can do, they risk losing sight of what really matters for their real business.

    Right now, ChatGPT is hot!  But, if you go back to the beginning of the Internet, MySpace or Netscape (or some other tools that were first and big) aren't necessarily the things that caught on and became standards.

    I'm not saying that OpenAI and ChatGPT aren't important.  But what I believe is more important is that we passed a turning point where, all of a sudden, tons of people started to use something new.  That means there will be an increase of focus, resources, and activity concentrated on getting to next in that space.

    You don't have to predict the technology; it is often easier and better to predict human nature instead.  We're going to find opportunities and challenges we wouldn't because of the concentration of energy, focus, and effort.  Consequently, AI, business, and life will evolve.

    For most of us, what that means is that over the next five years, our success will not be tied to how well we use a tool that exists today, but rather on how we develop our capabilities to leverage tools like that to grow our business and improve our lives. 

    Realize that your success will not be determined by how well you learn to use ChatGPT.  It will be determined by how well you envision your future and recognize opportunities to use tools to start making progress toward the things you really want and to become more and more of who you really are.  Right?

    So, think about your long-term bigger future.  Pick a time 5, 10,  or even 20 years from now.  What does your desired bigger future look like?  Can you create a vivid vision where you describe in detail what you'd like to happen in your personal, professional, and business life?  Once you've done that, try to imagine what a likely midpoint might look like.  And then, using that as a directional compass, try to imagine what you can do in this coming year that aligns your actions with the path you've chosen.

     

    Ultimately, as you start finding ways to use emerging technologies in a way that excites you, the fear and gloom fade.

    The best way to break through a wall isn't with a wide net … but with a sharp blow. You should be decisive and focused. 

    Commit to using AI in ways that give you energy, which may be entirely different from how you use it now. 

    So much of what we do now is anchored in the past. This is an opportunity to transcend the old ways you did things and to shape and transform your future (and perhaps even what you believe is possible).

    I was an entrepreneur in the late 90s (during the DotCom Bubble). And I remember watching people start to emulate Steve Jobs … wearing black faux-turtlenecks and talking about how they were transforming their business to be in an Internet company – or which Internet company would be the "next big thing." Looking back, an early sign that a crash was coming was that seemingly everybody had an opinion about what would be hot, and too many people were overly confident in their views because seemingly everyone was saying the same things. 

    Human nature has remained stubbornly consistent through many waves of technology. 

    The point is that almost nobody talks about the Internet with the focus and intensity they did in the late 90s … in part because the Internet is now part of the fabric of society. At this point, it would be weird if somebody didn't use the Internet. And you don't really even have to think about how to use the Internet anymore because there's a WHO to do almost all those HOWs (and many of them are digital WHOs that do those HOWs for you without you even knowing they were needed or being done). 

    The same is going to be true for AI. Like with any technology, it will suffer from all the same hype-cycle blues of inflated expectations and then disillusionment. But, when we come out the other side, AI will be better for it … and so will society. 

    Understanding the Possibility Scale

    It helps to understand how we bring things into existence. To start, it's nearly impossible to manifest something you can't first imagine. And there is a moment just before something happens – when it becomes inevitable. 

    I created this Possibility Scale to help envision the stages of becoming.

     

    20250329 HMG Possibility Scale

     

    As an aside, before today, I would not have attempted to create an image for a post like this. While I love thinking and writing, image creation was outside my area of expertise or unique ability. But now things are different. Today, I simply asked ChatGPT to create that image. Yes, it took me four tries … each retry starting with "that was great, now help me improve the prompt to (fix the thing I wanted done differently)."  At the end, I asked it to give me the complete prompt I could reuse. Contact me if you want the prompt.

    Earlier, I mentioned how long it took to get from "Zero-to-One" with AI. But don't fret; things are speeding up, and we're just at the beginning of the process. If I created a scale to show the capabilities of AI, and set the endpoint at 100 to represent AI's potential when I die – even though I'm in my early 60s, I'd put us at only a 3 or 4 on that 100-point scale. Meaning, we are at the beginning of one of the biggest and most asymptotic curves that you can imagine. That also means that you're not late. You're early! Even the fact that you're thinking about stuff like this now means that you are massively ahead of most.

    Better Wealth, Health and Self Through Exponential Relationships — Just  Start Go

    The trick isn't to figure out how to use AI or some AI tool. The trick is to keep the main thing the main thing. Build your ability to recognize when and how to use these new capabilities to bring the future forward faster.

    Investing resources into your company is one thing. Realize that there are 1000s of these tools out there, and many more coming. You don't have to build something yourself. It is often faster and better to acquire a tool than it is to spend money on developing and building it.

    Think of the Medici family. They invested in people, which in turn triggered the Renaissance. A key to moving forward in the Age of AI will be to invest in the right WHOs, seeking to create the kind of world you want to see or the types of capabilities you desire. Think of this as a strategic investment into creators and entrepreneurs with a vision or who are on a path that aligns with yours.

    As you get better and better at doing that, you'll see increasing opportunities to use tools to engage people to collaborate with and create joint ventures. Ultimately, you will collaborate with technology (like it's your thought partner and then your business partner). We are entering exciting times where AI, automation, and innovation will make extraordinary things possible for people looking for opportunities to do extraordinary things.

    As my grandmother said, it's easy to get used to nice things.

    Onwards!

  • Mad About March Madness

    March Madness is in full swing and will have the world's attention for a few more days. As you can guess, almost no one has a perfect bracket anymore. McNeese beat Clemson, Drake beat Mizzou, and Arkansas handed Kansas its first first-round loss since 2006. On Friday, the NCAA said that of the over 34 million brackets submitted at the start of March Madness, approximately 1,600 remained perfect. That's less than .1% after the first day. The first game of the tournament – Creighton vs. Louisville – busted over half of the brackets. 

    Before 24/7 sports channels, people watched the weekly show "The Wide World of Sports."  Its opening theme promised "The thrill of victory and the agony of defeat!" and "The human drama of athletic competition." That defines March Madness.

    The holy grail is mighty elusive in March Madness (as in most things). For example, the odds of getting the perfect bracket are 1 in 9,223,372,036,854,775,808 (that is 1 in 9.223 quintillion if that was too many zeros count). If you want better odds, then you can have a 1 in 2.4 trillion chance based on a Duke Mathematician's formula that takes into account ranks). It's easier to win back-to-back lotteries than picking a perfect bracket. Nonetheless, I bet you felt pretty good when you filled out your bracket.

    via Duke University

    Here's some more crazy March Madness Stats: 

     

    Feeding the Madness

    "Not only is there more to life than basketball, there's a lot more to basketball than basketball." – Phil Jackson

    In 2017, I highlighted three people who were (semi) successful at predicting March Madness: a 13-year-old who used a mix of guesswork and preferences, a 47-year-old English woman who used algorithms and data science (despite not knowing the game), and a 70-year-old bookie who had his finger on the pulse of the betting world. None of them had the same success even a year later.

    Finding an edge is hard – Maintaining an edge is even harder.

    That's not to say there aren't edges to be found. 

    Bracket-choosing mimics the way investors pick trades or allocate assets. Some people use gut feelings, some base their decisions on current and historical performance, and some use predictive models. You've got different inputs, weights, and miscellaneous factors influencing your decision. That makes you feel powerful. But knowing the history, their ranks, etc., can help make an educated guess, and they can also lead you astray. 

    The allure of March Madness is the same as gambling or trading. As sports fans, it's easy to believe we know something the layman doesn't. We want the bragging rights for the sleeper pick that went deeper than most expected, our alma mater winning, and for the big upset we predicted. 

    You'd think an NCAA analyst might have a better shot at a perfect bracket than your grandma or musical-loving co-worker.

    In reality, several of the highest-ranked brackets every year are guesses. 

    The commonality in all decisions is that we are biased. Bias is inherent to the process because there isn't a clear-cut answer. We don't know who will win or what makes a perfect prediction. 

    Think about it from a market efficiency standpoint. People make decisions based on many factors — sometimes irrational ones — which can create inefficiencies and complexities. It can be hard to find those inefficiencies and capitalize on them, but they're there to be found. 

    In trading, AI and advanced math help remove biases and identify inefficiencies humans miss.

    Can machine learning also help in March Madness?

    “The greater the uncertainty, the bigger the gap between what you can measure and what matters, the more you should watch out for overfitting – that is, the more you should prefer simplicity” – Tom Griffiths

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    The data is there. Over 100,000 NCAA regular-season games were played over the last 25+ years, and we generally have plenty of statistics about the teams for each season. There are plenty of questions to be asked about that data that may add an extra edge. 

    That said, people have tried before with mediocre success. It's hard to overcome the intangibles of sports—hustle, the crowd, momentum—and it's hard to overcome the odds of 1 in 9.2 quintillion. 

    Two lessons can be learned from this:

    1. People aren't as good at prediction as they predict they are.
    2. Machine Learning isn't a one-size-fits-all answer to all your problems.

    Something to think about.

  • The Psychology of Gamblers

    March Madness, Vegas, and Wall Street share a lot in common. 

    Over Time … The House Wins

    Casinos only offer to play games that they expect to win. In contrast, gambling customers play even though they know the odds are against them.

    Why does this happen? The rush of a win, the chance of a big win, and random reinforcement are common factors that incentivize people to play the lotto, go to a casino, or try to trade.

    Chemicals like adrenaline and dopamine play a part as well. Even in a sea of losses, your body can't help but crave the chemical reward of even a small win.

    The "House" knows this and engineers an experience that takes advantage of it.  

    In the case of casinos, every detail is meticulously crafted to extract you from your money – from carpet patterns to the labyrinthian layouts, the music, the lights, and even the games themselves. 

    Here is an infographic that lays it out for you. 

    Casino-psychology-infographicBojoko via DailyInfographic

    Most people aren't gamblers … the fear of losing big inhibits them. However, when people were instructed to "think like a trader," they showed considerably less risk aversion when gambling. And I bet you have no problem filling out a March Madness bracket, even if you put money on the line. 

    The illusion of control convinces us we can overcome the statistics. 

    When you almost get it right – when you guess the first round of March Madness correctly, when you miss the jackpot by one slot on a slot machine, when you just mistime a trade to get a big win – you're more likely to play longer, and place bigger bets … because you're "so close." 

    It's human nature to want to feel in control. 

    This is why you find a lot of superstitious traders & gamblers. If you wear this lucky item of clothing … if you throw the dice in this particular way … if you check your holdings at this time every day … you have control. 

    There is a big difference between causation and correlation. 

    It is not hard to imagine that, for most traders, the majority of their activities do little to create a real and lasting edge.  

    Skill vs. Luck

    There are games of skill, and there are games of chance.

    In a casino, poker, and blackjack are considered games of skill. In contrast, slot machines are considered a game of chance.

    In trading, predicting markets is much different than using math and statistics to measure the performance of a technique.

    Much of what we do is to figure out how to eliminate the fear, greed, and discretionary mistakes humans bring to trading.

    In trading, "Alpha" is the measure of excess return attributed to manager skill, rather than luck or taking on more risk.

    We believe in Alpha-by-Avoidance … Meaning much of what we do is figure out what to ignore or avoid so that more of the games we play are games of skill rather than games of chance.

    Are you playing the right game?

  • Starting With Why

    ___________________

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    Inspiration is stronger than persuasion.  It gives people a sense of purpose and belonging that has little to do with external incentives or benefits.

    Simon Sinek, who is quite charismatic and well-spoken, is delivering this message to a rapidly growing fan base. 

    My team thought Simon was inspiring, engaging, and insightful.

    You can watch a short video that introduces his material below. 

    In addition, you can explore more of his ideas in his book, Start with Why: How Great Leaders Inspire Everyone to Take Action.

     

    An Example of Finding the Right Person for a Job.

    Who do you believe will do a better job, someone who takes a job because of the salary and benefits … or someone truly inspired to accomplish the job's purpose? 

    Phrased that way, of course, you know the answer.  Still, how can you leverage this to better select customers and employees?

    For example, Simon uses the story of Sir Ernest Shackleton to illustrate this concept.  Shackleton was preparing to lead the first expedition across Antarctica in 1914.  Legend has it that when seeking crew members for his journey, Shackleton placed the following ad in a newspaper:

    6a00e5502e47b2883302b68537764f200d-250wi

    "MEN WANTED FOR HAZARDOUS JOURNEY. SMALL WAGES, BITTER COLD, LONG MONTHS OF COMPLETE DARKNESS, CONSTANT DANGER, SAFE RETURN DOUBTFUL. HONOUR AND RECOGNITION IN CASE OF SUCCESS.
         -  SIR ERNEST SHACKLETON"

    When the expedition became stuck in the ice and could not be rescued for 22 months, not a single man was lost.  The reason Simon gave for their unlikely survival was that Shackleton hired survivors that could deal with the situation and were aligned with the mission and purpose.

    Can you imagine writing an ad like that to attract the right people to your cause?

    Watch This Video.

    Here is a video of Simon speaking at a TED Conference.  It is an excellent intro to his stuff. 

    Other Resources:

    _____________________

    It's now more than ten years later, and Simon is one of the most prominent leaders in leadership development and has published five books, to much acclaim. 

    Part of his success is the charisma and pith with which Simon speaks and writes – but a large part is his focus on what makes humans human.  He's not preaching a leadership mantra focused on the bottom line and revenue; he's focused on the aspects of human nature that don't change.  He's focused on purpose and the elements of leadership that apply to everyone – not just CEOs. 

    As we move into an era of increased volatility – both in markets and business – these leadership principles will become more important. 

    Understanding your "WHY" is vital if you want to make a difference (and not be replaced by an AI). It’s also vital in making discipline the easier choice.

    If you haven't read any of his books, they're all good, but I suggest "Start With Why" and "The Infinite Game."

  • Fostering Resilience & Grit

    Last night, at a family dinner, the concept of choosing “the easy way or the hard way” was discussed. The focus was on how, when you keep choosing the easy path, you end up with a harder life, and when you exercise discipline and challenge yourself, life eventually becomes easier.

    Life can be hard today or hard tomorrow… You get to decide. This reminded me of a bigger discussion we’ve had about resilience and grit …

    I believe in setting high standards and committing to achieving them.  A big part of success is knowing that you can do anything you commit to … and then all you have to do is honor your commitment and continue to make progress.  As long as you don’t stop … the rest takes care of itself.

    Said another way, resilience is the ability to recover from or adjust to misfortune or change, whereas grit is the passion and perseverance for long-term goals.  Sure, you will encounter errors, injuries, setbacks, competition, bad luck, and other practical realities of life.  But, together, resilience and grit make almost anything possible.

    The bottom line is that if you want success of any kind, you have to be comfortable being uncomfortable.

    When I was in high school, I was a state champion shot-putter.  The first time I got that title was during my junior year.  After winning, I watched my dad run down from the stands.  I figured he was coming down to celebrate.  Instead, he looked deeply into my eyes and asked whether I was disappointed.  I replied: “But Dad, I won!” He nodded and said he knew – but reminded me that I did not throw a personal best that day.  He recognized that winning was important too … Then he reminded me that the other throwers were not the real competition.  

    Going into spring of my senior year, I had a multi-season undefeated streak.  However, I tore a tendon in my throwing hand at the end of the indoor track season at Nationals.  Fast forward to the first meet of the outdoor season … and I was on the sidelines with a cast on my hand.  A local reporter approached me and asked how it felt to lose my unbeaten streak.  I was confused.  I wasn’t losing … I just wasn’t competing.

    But, the concept gnawed at me. 

    Ultimately, I cut the cast off my hand and tried unsuccessfully to wrap it tight enough that it didn’t hurt.  When that didn’t work, I slammed my hand against the floor until it was numb … I threw once and managed to win.  It got easier from there, and I ended the year undefeated.

    I think part of it is in my DNA.  My father and grandfather were both athletes.  My dad played football at Temple University (on the same team as Bill Cosby).  He thought he would continue playing with the Philadelphia Eagles, but his career was cut short by a car accident before tryouts.  And my grandfather was a professional wrestler called the Green Hornet

    Here is a picture of us together.

    83079882-e8c3-4f1b-899c-ad8551cf90fc 2Three Generations of Getsons

    My youngest son, Zach (who co-writes the weekly commentary with me), was just selected to represent the USA in rugby in the Maccabiah Games this July. It was his third – and probably final time – selected. He still hasn't hung up his cleats after 3 ACL surgeries, a recently broken face, a lacerated spleen, and countless other injuries. Time flies while you are growing old and moving slower

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    I continue to watch him get better at the game, despite adversity and what I like to call a “burst of slowness”. He gets that from me … I was also deceptively slow throughout my athletic career.

    He’s currently raising money for his trip.  If you’d like to support his journey to represent the USA, you can learn more and do so here. Or, if you want it to be tax-deductible, you can support his team as a whole here.

    Despite our family’s relative “accolades” in sports, we’re not the most athletic people. 

    My dad used to joke that our people were meant to own the teams, not play for them. 

    So, despite the lack of raw athleticism, what drives us to success?  I believe the answer is mindset.

    The Secret To Success

     

    Your mindset is a set of beliefs that shape how you make sense of the world and yourself.  It influences how you think, feel, and behave in any given situation.

    My family jokes that my first complete sentence was, “It’s my way, and you’re in it.”  Meanwhile, I also believe that “the game isn’t over until I win.” Combine those beliefs … and it explains why my feet would still be moving toward my goals even if you shot me in the head.

    Likewise, my son has continued to reach new heights in rugby because he’s stayed committed and hard-working long after most of his more athletic peers gave up.

    Life is not just a sprint; it’s a marathon (that requires you to sprint intermittently more often than you want or are comfortable doing). 

    How long can you put more effort in … and how many times can you fail without giving up?  The answer is as long as you choose! 

    The habits and lessons of resilience and grit serve well in sports, business, and life.

    Too many give up right before they win. 

    Frankly, too many people stop at the beginning.  But you will likely suck at something before you are okay at it.  Likewise, you have to be okay before you can be good.  Then you have to be good before you can be great!

    It takes time and energy to separate yourself from the pack. 

    My father taught me that most people’s lives are defined by their minimum standards.  Why?  Because once those standards get met, it is easy to get distracted by other things and how to meet the minimum standards for them as well.

    Here is something else worth sharing; it was one of his favorite sayings.  “The difference between good and great is infinitesimal.” People who are good take advantage of opportunities; people who are great create them.

    The secret to “better” is to set higher standards and commit to achieving them.

    It is really quite simple.

    1. Set big goals and high standards
    2. Plan how to get there
    3. Never stop moving
    4. Never give up

    If you follow those rules, it’s hard not to succeed. 

  • Skype’s Kodak Moment: Remnants of a Past Era

    Last week, Microsoft announced that Skype would shut down in May … after over two decades of service. 

    Hydrox existed before Oreo, and Betamax before VHS.

    But Skype might be even more surprising. Skype was so ubiquitous that it became a verb and eponymous with video calling. As a world traveler, Skype also used to be the go-to international calling app.

    Imagine if Kleenex, Jell-O, or Band-Aids went out of business. 

    That’s what Skype did – and it’s not the first tech business to fail similarly…

    Thinking Linearly in an Exponential Age

    Humans can’t do a lot of things. Honestly, the fact that we’re at the top of the food chain is pretty miraculous. 

    We’re slow, weak, and famously bad at understanding large numbers or exponential growth

    Making matters worse, our brains are hardwired to think locally and linearly.

    It’s a monumental task for us to fathom exponential growth … let alone its implications. 

    Think how many companies have failed due to that inability … RadioShack couldn’t understand a future where shopping was done online – and Kodak didn’t think digital cameras would replace good ol’ film. Blockbuster couldn’t foresee a future where people would want movies in their mailboxes because “part of the joy is seeing all your options!” They didn’t even make it long enough to see “Netflix and Chill” become a thing. The list goes on. 

     

    via Diamandis

    Human perception is linear. Technological growth is exponential.

    There are many examples. Here is one Peter Diamandis calls “The Kodak Moment” (a play on words of “a Kodak Moment”… the phrase Kodak used in advertising to mean a “special moment that’s worth capturing with a camera”). 

    In 1996, Kodak was at the top of its game, with a market cap of over $28 billion and 140,000 employees.

    Few people know that 20 years earlier, in 1976, Kodak had invented the digital camera. It had the patents and the first-mover advantage.

    But that first digital camera was a baby that only its inventor could love and appreciate.

    That first camera took .01 megapixel photos, took 23 seconds to record the image to a tape drive, and only shot in black and white.

    Not surprisingly, Kodak ignored the technology and its implications.

    Fast forward to 2012, when Kodak filed for bankruptcy – disrupted by the very technology that they invented and subsequently ignored.

    171220 Lessons From Kodak

    via Diamandis

    Innovation is a reminder that you can’t be medium-obsessed. Kodak’s goal was to preserve memories. It wasn’t to sell film. Blockbuster’s goal wasn’t to get people in their stores, it was to get movies in homes.  

    Henry Ford famously said: “If I had asked people what they wanted, they would have said faster horses.Steve Jobs was famous for spending all his time with customers, but never asking them what they wanted.

    Two of our greatest innovators realized something that many never do. Being conscientious of your consumers doesn’t necessarily mean listening to them. It means thinking about and anticipating their wants and future needs.

    Meanwhile, despite Skype having several features that Zoom still hasn’t implemented, Zoom recognized an opportunity during COVID and capitalized. When Microsoft bought Skype, they focused on adding several new features and expanding the range of services instead of improving the quality of their audio or video. Meanwhile, when Zoom entered the space, they brought much better servers and the ability to have much larger rooms. More attendees meant a wider variety of use cases and quicker adoption and referral cycles. They also made it easy to join a Zoom room. Instead of getting your e-mail up front and forcing you to create an account to use it, they let you join a meeting without an account. You only needed an account to host a meeting. 

    They focused on making it easy to use their service and on having a clear identity instead of trying to ride every wave and become unfocused. Of course, at the same time, Microsoft stopped focusing on the tool, with an increased focus on their new competitor to Zoom, Teams

    Tech and AI are creating tectonic forces throughout industry and the world. It is time to embrace and leverage what that makes possible. History has many prior examples of Creative Destruction (and what gets left in the dust).

    Opportunity or Chaos …  You get to decide.

    Don’t forget … you don’t have to be the first mover to win in the end. 

    Onwards!