"On that same front, Gary's right about that last 20%.  But user-facing 
software has a much harder last 20% than what happens behind the scenes 
_because_ those occult tools are allowed to be very focused, tight, and single 
purpose, whereas user-facing tools have to handle, ameliorate, shunt, faciliate 
the myriad things a general intelligence can/will do.  User facing tools have 
to deal with morons and geniuses, whereas internal tools can get away with 
well-defined contracts."

Although there is open source software for office and accounting, I can't 
imagine wanting to spend my free time on such a thing.    It is just boring and 
depressing to think about.    I don't think it has anything to do with it being 
hard.   Hard is New Horizons..   Meanwhile, as Gary points out, the commercial 
World of Boring circles the wagons around music streaming and participation in 
mobile app markets, banking, and other such things so that they can control 
prices.    The software is coupled to the protocols and one would have to 
buy-in (with $$$) to see how the pieces fit together and make free 
alternatives.  What a hassle.
 
Marcus

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