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What is less appreciated, however, is the extent to which a broadly similar phenomenon may be starting to play out in finance, via a democratization process that could gradually reconfigure a notable part of the institutional landscape, particularly in consumer finance, while challenging regulators to adapt.

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So traditionally, the computer labs, particularly in an under-performing school like Bertie County, where they have to benchmark test every other week, the computer lab is a kill-and-drill testing facility.

In fact, about 80 percent of the active ingredients in medicines now come from offshore, particularly China and India, and we don't have a governance system.

What I particularly like about this picture, too, is that Steinberg has rendered the guy in this sort of pointillist style.

I want you to see a few that are particularly striking.

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