grab the headlines? i think the disru tion grab the headlines? i think the disruption is grab the headlines? i think the disruption is changing, - grab the headlines? i think the | disruption is changing, because what you see, rather than having new firms that enter the scene and entirely up and markets, you now have some new digital giants that are upending traditional industries, so if you think about who is being disrupted, well, you can think about entertainment and apple disrupting entertainment, you can think about healthcare and wellness and all of fintech trying to enter in their. you can think of financial services, some banks are saying that all of these wonderful new technologies, these block chains and the non fungible tokens are going to try to come in. so we are entering a world whereby disruption is not only coming from these new companies that are founded in a small garage, but is driven by companies that are trying to expand their scope and take advantage of greater