Apple's big cash reserve does them no good if they don't use it. Their R&D isn't what it needs to be except for iPhone. Even there, aside from the A-series processors, which definitely impress me, Apple skimps on RAM and charges too much for storage, and iOS needs some help. The watch may or may not take off, but it looks like it'll take a couple of years to tell. iPad sales are stagnating as the market saturates. The new music software may not have been ready for prime time. They expect cars to be their next big thing, then? How many rap stars are there to buy their cars? It's appropriate to be concerned, for the company's profit and growth are driven by a single product, and at some point, everybody who has desire and money for an iPhone will have one, and no more growth.