Five years from now, if very large companies like IBM and AT&T continue to design strategic Internet solutions for this market, small businesses will access all their applications, content and expertise online.

For micro businesses, a $35 to $70 savings (in registration fees) might just be enough to get them online.

We will design and license Windows and our Internet-based services as separate products, so customers can choose Windows with or without Microsoft's services, ... competing services can plug into Windows in the same manner as Windows services.

A lot of accountants are being hired by Internet and technology companies to design their traditional information systems. Companies may be great at making computers that can wash the clothes and do the dishes, but the computer programmer is unlikely to know enough about accounting to design a complex computing system [that enables companies to maximize efficiency].

Be conservative in what you do, be liberal in what you accept from others

Effective problem solving in design requires a balance of strategy and spontaneity, intelligence and creativity.