Humans are interesting.  We speak casually about trends, end of book shops, paperless, cashless, but we continue to be surprised at our own predictions.  Witness Office Depot share price following their investor guidance indicating 2014 revenue will be less than 2013.  It does make me wonder when we will see this with traditional banks.

For 2014, market trends are expected to remain challenging across our product lines and distribution channels. Consequently, Office Depot expects total company sales to be lower than 2013 pro forma combined sales.

Office Depot – It is going to be a challenging year peddling pens ft.com