ATLANTIC CITY, N.J. — The smart phone and tablet are more critical than most people think, according to Max Wolff, chief economist and senior analyst with GreenCrest Capital. During a morning session of the CU Reality Check conference here today, he asserted that mobile is the ATM of 15 years ago.

"The new technologies are still disruptive. We still don't have leaders across the board, " Wolff said. But, he added, one thing is certain regarding social media and other developments: "This new technology can help you leverage or it can level you if you're a laggard."

"Because the economy has been so disruptive, the disruptive technologies have been difficult for people to grasp," Wolff said. 

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