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Commerce is in the air as Apple reports more money for wearables and services and less money for the iPhone, and begins to roll out the Apple Card. How does Apple react strategically as a company to financial incentives, and does Apple’s success in the category formerly called “Other” suggest a new emphasis on wearables? We also follow up on Siri surveillance and Catalina security and then make a bet to be settled in 2031, assuming money will still exist in the future.