In the rapidly changing world of financial services, survival-not to mention prosperity-on the electronic frontier is predicated on one's ability to redefine how the game is played by changing the rules.

It's a matter of taking risks, thinking content and forgetting that you're a banker. The argument that banks, as regulated entities, are victims of unfair competition is a flawed one; winning the battle to distribute great content on the electronic frontier depends not on what agency you're governed by, but rather an institution's willingness to look for new ways to create value in the marketplace.

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