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People close to the industry are experiencing
what started out as incremental

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transformations in the industry, changing
technology, changing operating models,

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adding new products and services.
And those incremental transformations have

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added up to a major transformation of the
industry -- 

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I call that the "big T transformation" that is
kind of built from many different things and

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we're right in the middle of it.
A key part of that is talent.

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Talent is required for that major
transformation that we're seeing in the

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industry and it has become increasingly hard
to find the enough capacity of talent and also

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the right skill sets to enable this
transformation with the emerging technologies.