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Hi Chris,

An excellent post, as usual - thankyou. Regarding predictions, a salient cautionary tale: I recently tried Googling "long tail economics banking" and similar terms to see what people were saying about applying our favourite Web 2.0 ideas to banking. The main cluster of results I found was from around 2006/2007 with various people speculating that - aside from aggregator sites - the long tail of banking might be found in the sub-prime loans and mortgages markets ...

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