Maybe it depends where you are? East coast U.S. is entirely different culturally, behaviorally, commercially than it was 15 years ago. And, all that change has been enabled and propelled by a recursive process of capital and technology. Technology was barely a concept in most people's minds in 1999. Now, it is the prevailing culture.

I can't think of an industry that hasn't been touched since then, and most have been utterly transformed.