As Apple CEO Tim Cook wows (or woos?) the crowd in Cupertino, California, today, I'm writing the cover story for next month's magazine. (Yeah, we still put those out.)

It's the latest installment in our Broker Innovation Lab. And I have to confess, when we first threw this project up on the drawing board, I was skeptical, to say the least.

Call me a cynic, but sometimes I buy into the nihilistic thinking that there are no new ideas. (Sorry, Twain.) And if that's true, how is innovation even possible? What would it even look like?

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