For many learners, the most important part of this course is going to be "so how will this affect me?" In this module, we will discuss and examine implications for both firms and individuals working in these types of firms for their future careers. Some conclusions might be unexpected, such as the risk-adjusted rewards for employees of large, innovative firms might be higher than the average returns in society for smaller startup employees (the founders might get rich, but employees of small firms do not always share in these riches). While it might be good to stay with a large financial services firm that is investing in and adapting to changes in the financial services industry, the skills that are needed to be successful in any career in financial services are likely to change in the future, and employees who are willing to invest in developing new skills and talents are more likely to success in the future.