Roger has seen a big drop in his brokerage business. Few people stop by in person, and even phone calls have noticeably decreased. A business analyst he hired to examine the demand for stock trading services in his community said he had found the problem: technology advances $-$ specifically, software that lets people trade via on$-$line systems $-$ had disrupted the person$-$to$-$person brokerage industry. Is the analyst correct, and why?

No$.$ The person$-$to$-$person brokerage industry has been severely disrupted by advances in the publishing industry where eBooks now allow consumers to better educate themselves.

No$.$ The person$-$to$-$person brokerage business has been severely disrupted by advances in the marketing industry which has meant that Roger's competitors have been doing a better job of marketing their services than he has.

No$.$ The person$-$to$-$person brokerage business has been severely disrupted by advances in the field of education with graduating students better able to make thieir own decisions.

Yes. The person$-$to$-$person brokerage business has been severely disrupted by financial transaction software designed for popular use.