 Hi, I'm Peter Burris and welcome to another Wikibon Action Item Quick Take. Dave Vellante, digital disruption. Everybody that's going to be affected has been affected, right? Nothing to worry about. What do you think? Yeah, great question. I'd like to ask the question, what industries are most susceptible to digital disruption? So certain industries have clearly been shocked by digital transformations. Cabs, hotels, seen in retail, package software, IT itself with cloud, certainly music, publishing, advertising. Is it Negrapanti, the bits versus atoms? Well, publishing, music, advertising, seemingly have been disrupted more quickly and easily than heavily atom-based businesses like cabs and hotels and retail, but it doesn't seem to be the determining factor. The other observation is that certain industries have not been upended, banking, insurance, automobiles, healthcare, defense even. Why is that? Is it because they're insulated from disruption and safe as Peter, you were asking? I don't think so. They're regulated, is that why? Maybe that's part of it. They also carry a high risk profile. Healthcare, for example, has been incredibly difficult to change. But indeed, probably the most needed change is required in healthcare. But it's risky. Same with insurance, same with banking. So risk is likely a major factor. But to the premise I'd like to put forth and study further is that all industries are susceptible to digital disruption, but at varying degrees, with different barriers to that disruption, which is a function of risk, as I mentioned, legal considerations, entrenchment, the available data model, skill sets, and maybe the ability that disrupts is to enter new markets, which is related to the data. That's what I'd like to put forth and study further. Excellent. This has been Dave Vellante, Peter Burris, a Wikibon Action On Quick Take.