>>we are seeing "less paper intense processes", but I doubt there will be 
large-scale changes in highly regulated industry segments, or in legal and 
finance for along time.
<<

Oh, I don't know, Larry. I detect no pressure from regulators to stick 
with paper. It's kind of expected that things are done electronically. 
More and more online and mobile banking offerings are developed, and staff 
are encouraged to not print if they don't have to. 

I'm thinking we've already hit the tipping point and are only one 
generation away from a dramatic reduction in paper.

Gary






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