Tom Wilder starts his article on "The Times They Are A-Changing" with a joke:

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“Well, folks,” she says, “I have bad news and I have good news. “The bad news is, that thunderstorm we just flew through messed up our instruments. We don’t have our compass and I’m not sure which direction we’re flying in. The altimeter is out so I don’t know how high we are, and the radar is shot so I can’t tell what’s around us. “But, the good news is our engines still work. So wherever the heck we’re going, we’re getting there at 200 miles an hour.”

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The financial services industry faces a similar situation. Everyone recognizes that change is happening at a rapid pace, and no one can say for sure where it will all end up.