Technology – and the “rapid changes” everyone is talking about – is being hailed as a disruptive force. Most recently Mark Zuckerberg used the term to describe the future business landscape, and how Facebook (or rather, erm, “social networking”) was at the forefront of the next generation of businesses. But there are two levels of where “disruption” is happening: not only at the business level, but also at the consumer. I’m going to stick to consumers in this discussion, snce I’m constantly hearing about people adapting to the “rate of change”, or rather, the (perceived) difficulties