This has been happening in big business, where all the members of the firm more and more insist on participation in decision-making at high levels, but when I mention the senior members of firms as being invaded by these teams of decision-makers from below there is no inside or outside under electronic conditions. That is the meaning of our glass buildings, the new banking services. Another way of putting it, in case I forget, is to say that under electronic conditions everything becomes a service industry, including education. Education is the biggest service industry in the world and it is only beginning. All things become service industries, banking included.