Businesses are going to innovate in how they bring prices down so people can shop the way they want.

A German firm called Friendsurance relies on people forming their own groups, which apply peer pressure to keep claims and costs lower. The result is refunded premiums for customers and profit for the company.

Companies have to be innovative in leading with values the same way they have to be innovative in their products and services.

The strong emergence of pro-feminine values in highly masculine societies signals that traditional masculine structures will continue to be challenged as the Millennial generation grows up and gains even more influence.