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Q: Perhaps the Swiss banks are the exception that proves the rule -- 
because their important customers are among the elite?
A: Swiss banks are exactly like Apple in that concern. But it is easier 
for them to create services that only appeal to the very rich, while 
Apple would waste considerable ressources trying to create very secure 
devices for very rich people and normal devices for normal people.
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Apple is a particular species of monopoly based on the upper strata of a 
polarizing income distribution. I compared the foundations and process 
of the Apple monopoly of today with the Kodak monopoly from the era of 
relative mass prosperity in my book The Hollow Colossus, 
http://www.hollowcolossus.com
Incidentally, the innovations developed by public institutions and 
harvested by Apple are listed in brief summary.

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