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Silicon Valley is famous for people and companies, who come up with ideas, products and services that disrupt well established industries. Uber and Airbnb are often cited as examples of this phenomenon in the transportation and hospitality industries. New information technology makes it possible for start-up companies backed by venture capital, to provide a service, that can quickly scale up to compete with large, established companies. This would have not been possible only a few decades ago. We have also seen smart people who are solving complex problems and gaining hero status as influencers. In order to protect the public from harm and perform their duty, regulatory bodies (the instituti