Just received my copy of Forbes 400. I am a fan of both Microsoft and Apple, but have lost some respect for Steve. Bill seems a bit more philanthropic, Ok, a hell of lot more generous. I am not talking about the $200 that Steve reimbursed braggarts for jumping on a new technology. By the way I am a braggart, just not on the iphone, couldn't use it where I live. Steve has given zilch, while Bill and Melinda have even roped the second richest man in the world to give his billions away as well. Over 30 Billion US bucks have been gladly given away by the Medina couple. What the hell is Apple doing? I am perplexed. Is Charity a bad thing? I agree with more than a few of you that welfare is flawed.