This presentation was delivered by Monica E. Oss, Chief Executive Officer, OPEN MINDS, on June 5, 2019, at The 2019 OPEN MINDS Strategy & Innovation Institute. In the presentation, Ms. Oss discussed the key points of institute presentations, disruption in the market, the "survivors" of retail disruption, the key disruptive forces in health and human services, and how to survive the disruptors.   . . .