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In 2000, during the heady days of the Internet bubble and the rush to e-everything, I was preparing a presentation for the Treasury Management Conference of the South’s annual meeting in Atlanta. The topic was–appropriately enough for a contrarian like me–”Back to Basics: Old-Time Values in an E-Commerce World.” One of my slides referred to an article from e-commerce magazine Revolution on human beings as the next killer app. No doubt, this was an incredibly quaint vision at a time when the Web could solve any and all ills.

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