Tech is useful because at present the cost of creating change requires the least capital of all other available options. Tech is still extremely disruptive. However, the desktop appears to have somewhat peaked, and the value of new handheld software appears to be close to peaking. The next disruption is when Apple must seek new revenue sources and must pursue the reformation of the desktop given the decades of failure by microsoft to do so. It appears very unlikely that the innovation that we anticipate: talking to machines, is anywhere on the horizon, despite drivel by the pop press.