I have personally experienced, both at work and in my private life, extraordinary advances in information and communication technology over the past several decades. Encompassed in those decades was a broad range of "equipment" or machines, whose benefits I enjoyed along the way. In the 1970s, the typewriter was my main tool as an international banker. I prepared all office documents in English on a typewriter. I had to retype the entire document whenever I made revisions. Correspondence with my bank’s offices in other countries was by telex. I typed the message and handed it to a telex operator, who converted it into a punched tape and fed it into the telex machine for transmission. In the 1980s, fax machines replaced telex. Faxing was particularly useful because entire documents, including signatures, could be transmitted across the world in minutes. During the 1980s, PCs also began arriving in the workplace, and by the early 1990s they became common office equipment. For me, the computer was a tool that dramatically improved efficiency. In the mid-to-late 1990s, the internet and the