In December of 1995, Zack Phillips was skating down a San Francisco street when a ball rolled into his path. He nonchalantly kicked it back to the soccer players and was struck with an idea that would change the world. Or at least Zack Phillips' world. Well, somewhere between the two. Phillips -- a former General Electric capital business analyst (who must have been damn good because his bosses let him keep coming into work looking like this) -- took the idea and ran with it. Well, actually he
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