Markowitz built a diversified portfolio model that assumed that the portfolio structure would be located on the frontier point that would yield maximum utility.

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Apple store also does not work on a commission structure because they see it as the new model and Apple is not the only one that is changing the commission culture.

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The structure of ETFs does lend itself to a more tax-efficient model, but that depends on each product also.

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Renzo Piano, a celebrated museum architect, is already on his third model, a wooden structure consisting of 14 interconnecting buildings, painted red with glass roofs pointing to the north.

ECONOMIST: Modern art curators