Looking back over the past quarter century, New Jerseyans are clearly happy with where technological innovation has led them. They enthusiastically embrace computers, the internet. television, cellular phones and even voice mail menus for businesses. State residents are less enamored with other, more human-led changes in society in the recent past. They bemoan a greater acceptance of divorce, HMOs and managed care, and recoil in horror as they look back on one of the great evils of the late 20th century—the widespread use of credit cards.