1) You will often here that "brick and mortar" stores and malls are "dead" as a viable retail business model. Do you think that is the case? Keep in mind that although Amazon has devastated book retailers like Borders, these companies do still exist. Consumers can buy just about anything online, but still go to retailers for many products. Is it just inevitable that stores will become digital?

2) What product or products may be "prime" for disintermediation. In other words, what might be added next to the list of disintermediation?