But over the years, the rules governing benefit determination have become so convoluted and indecipherable that even the people working at the local Social Security offices routinely get things wrong.

FORBES: Ten Nasty Social Security Gotchas to Avoid

As Tim Cook of Apple recently explained, retail outlets are not just a mere distribution channel, they are the face of the brand, where people can discover new products, get more out of the ones they currently own and receive service when things go wrong.

FORBES: Why Google Should Open Retail Stores