yes. folks who do not have computers will still go to HRB. As more people own computers they will elect to do their return via the web. When the CEO of HRB gives guidance they will not meet their forecast, that is the kiss of death for the stock. Point is technology is impacting HRB's business model. Can't see how they will recover this year!
More people than one might think have access to computers. I for one, used Taxslayer for a mere $10, including all forms and electronic filing. A real deal, but for a large majority of people that want their refunds immediately, HRB still has the lock on return advance, which is where they make a ton of $$$$