Non-Apple handset vendors are now trying to battle the iPhone behemoth by moving into extremes when it comes to display size, pixel count and camera quality.
Individual and many institutional investors have been moving out of stock funds for years, but now, "when you've had strong rallies, people haven't come back to the market, " says Kevin McDevitt, an analyst at Morningstar.
So, to return to that key sentence from the speech - the governor of the Bank of England has admitted that Britain is nowmoving further away from re-balancing, and further away from a time when savers will get a decent return for their money.