You can take money out of these tax-favored accounts to buy any computer, peripheral, or educational software but not games (Microsoft Word, for example, but not Halo).

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As more and more people begin to rely on these devices as their primary means of personal computing, Gilder believes there will be a vast realignment among makers of hardware, software and peripheral devices.

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Microsoft could sell all of the peripheral businesses and commit to simply upgrading those two pieces of software (and perhaps the enterprise stuff) into the future until they are entirely finished in the marketplace.

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