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History is, change with it or get changed by it. The tempo of the marketplace is not just changing, it always is, but the tempo has increased to a point where talking about change is no subsitute for changing. Toys 'R' Us was once the king of toys and its reign did not end this week, year or month. It started a long time ago (2005) when the leadership got lazy, lost its imagination at a time when Amazon was only at 4% of its current value. The banking marketplace is changing too, and the leaders in it today have a simple choice to make, change with history or get changed by it. Because History is. Conference quality information without the expense report.