"Regardless of past aspirations, this is the right time to be focusing on services for two specific reasons The increasing ubiquity of broadband has made it viable, and the proven economics of the advertising model has made it profitable."

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At the end of every day, having a clientele that speaks well of you, that's the largest source of business. I don't care what kind of business you're in. Clients referring us to their friends or relatives is so much more powerful than any advertising we could ever do.

— Charles R. Schwab