Can you remember when you had to go to a bank and have a face-to-face transaction to take out cash or deposit your paycheck? Or when a cell phone was used only in emergencies? What about when a DVR was a luxury? When each of these technologies was new, testimonials from early adopters encouraged people to imagine the possibilities. No one had produced broad-based ROI research on what value these innovations had; however, they did have stories about what could be.