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Apple Pay went live five years ago yesterday, on Oct. 20, 2014. When Tim Cook took the stage a month beforehand to announce this mobile payments innovation, he shared Apple’s vision for modernizing how consumers and merchants would interact at the physical point of sale. Instead of wasting time fumbling around for plastic cards and swiping them at terminals, consumers would use the mobile devices always in their hands to check out quickly, easily and securely with Apple Pay’s mobile wallet. He used this video to make that point. In true Apple fashion, the user interface was clean, crisp and slick. Apple Pay’s security and privacy protocols were state-of-the-art, leveraging the NFC standard and their Secure Element to enable secure,...

I grew old when I was a teenager. Doctors diagnosed arthritis in my knees when I was 14. I was tired all the time. I was grumpy and snapped at people I cared about more than you’re supposed to when you’re teen. I kept getting fatter until I hit 300 pounds in my early 20’s, no matter how much I worked out, or how much low-fat low-calorie crap I ate. After 18 months of working out for 90 minutes a day, six days a week, I still weighed 300 pounds, and I felt old. Lab tests showed I was at high risk for stroke and heart attack, and my brain function was declining before I was 30. My blood sugar...