1.   But the biggest changes lie ahead, say Internet analysts, software makers and other observers.

2.   By far the biggest change and most valuable learning experience is our proximity and working relationship with, for us, a new and different culture.

3.   Among the biggest change will be banks and insurers entering the brokerage business.

4.   Among the biggest changes are those at Hilton Hawaiian Village, which in May will open a new wing, the Kalia Tower.

5.   Among the biggest changes would be easing the restrictions on sharing employees and directors and ending the ban on banks helping to market the activities of the securities subsidiary.

6.   Among the biggest changes at Fidelity, the Asset Manager funds run by Beckwitt will be turned over to a team of executives.

7.   Among the biggest changes was the rebound of the dollar against the Japanese yen.

8.   Among the biggest changes will be that banks and insurers will enter the brokerage business.

9.   Among the biggest changes would be the removal of barriers separating the banking, brokerage and insurance industries.

10.   And interestingly, one of biggest changes down the line may bring Hollywood and jobs back home.