But both are increasingly creating marketplaces that allow traditional retailers to offer their wares online.
Retail stores, fashion designers, corporations, movie studios and visual artists are increasingly creating signature globes, and not just for the holidays.
Predictably, the public sector is getting stuck with most of the bad risks, whereas private insurers can cherry-pick younger and richer customers.These arrangements are increasingly creating a wasteful two-class health-care system.
Games companies are increasingly creating products aimed at older women, a demographic that tends to be more interested in simple "casual" games, which can be played in short bursts throughout the day and don't require too much attention.
The trouble for academics, particularly those who teach business, is that companies seem to be posing that awkward question more and more; and then coming up with an even more discomfiting answer.Firms looking to put their managers through development programmes are increasingly creating their own, rather than relying on business schools, consulting firms and the like.
Unlike in the Soviet era, when husbands and wives traditionally kept their money in a single account, women are increasingly creating bank accounts separate from their husbands' and saving a portion of their salaries to spend on themselves without input from their families, Ms. Vasilyeva said.
And consumers, realizing this, are increasingly creating fictitious answers to questions and then forgetting them.
But developers are increasingly creating this kind of software for consumers, though many of these programs still feel unpolished.
"Retailers are increasingly creating their own payment apps, which allow them to capture valuable data about their users.
Amateurs and semi-professionals are increasingly creating low cost advertising content that threatens to bypass creative agencies, while publishers and broadcasters are broadening their own creative roles.
