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Between the 18th and 19th centuries, technology and innovation represented the rising tide that lifted all boats. While they destroyed industries they created new industries with even greater opportunities. Starting in the 21st century, technology and innovation began destroying more jobs than they created, pressuring individual contributors to keep up or run the risk of getting displaced. The tide continues to rise, but not all boats are rising as more and more Americans have finding it increasingly difficult to tread water. Jack Ablin, Chief Investment Officer of BMO Private Bank has studied the impact on technology and innovation on jobs and our society and will discuss their impact and what we can do about it as individuals, investors and policymakers.