Convergence has definitely come back into vogue.

Banks are definitely in vogue at the moment because we are expecting rates to come down in the second half. So looking ahead, the lower interest rate environment is definitely going to be good for banks.

Obviously, you can't put one of these processors in an existing Dell machine. AMD and Intel motherboards are not compatible,

What Apple's producing with iPod is the total experience with hardware, software and services. That's the piece none of the other purveyors have figured out: how to make the thing a great experience from soup to nuts.

That's not necessarily a bad thing. If you look at the auto industry, Detroit is in virtually the same situation it's been in for the last 30 years. There's not a lot of car growth in terms of actual unit sales, but they enhance revenue by adding features. That's something that up until now has not been accepted in the PC industry.

These are all steps to convince Windows users -- particularly corporate Windows users -- that they can use a Mac with no problem.