VOICES: CHRIS LARSEN

TITLE
Co-founder, E-Loan Inc. 37.

CONTRIBUTIONS
The former mortgage broker wants to use the Net to connect consumers directly to banks--cutting out brokers. His key insight: As the Net eliminates barriers of time and geography, it exposes huge inefficiencies in the economy.

IN HIS WORDS
''The power in the New Economy is either with the consumer or at the point of production. We take out all the steps in between.''