Saturday, October 22, 2011


Steve: Always Value Conscious

One frigid winter day in the late 1970s, I ran into Steve at some meeting in midtown Manhattan, a time and event now long forgotten. What isn’t forgotten is that when the meeting ended and we went outside into the freezing weather, I was reasonably comfortable in my wool overcoat, but Steve was freezing.  No overcoat, not even a jacket.

I suggested that he buy a coat. He agreed. So off we went to Paul Stuart, my favorite men’s store, just a few blocks away on Madison Avenue. After quickly trying on a few, he picked one. He then asked the salesman the price.


“That much for an overcoat? Too much. Besides, I’ll never use it in California.”

We left the store. I in my overcoat, warm. Steve coatless, freezing.

At my 1980 retirement from Morgan Stanley party, Palo Alto


Mike Markkula was an Intel product marketing manager when I first met him around 1970. An early Intel employee with sizable stock options and lots of other interests, he retired wealthy in the early 1970s. 

Mike discovered Steve Jobs at a 1975 meeting of the Homebrew Computer Club. When the two Steves – Jobs and Wozniak – formed Apple Computer in 1976, Mike financed them with a $91,000 equity investment. For this, he ended up with one-third the company. It turned out to be a profitable investment.

In late 1977, I recall well two introductions, one product and one personal. Apple introduced the Apple II personal computer, and Mike introduced me to Steve Jobs. 

Mike and Steve were close, very close, for 10 years. But the friendship collapsed after the well-known 1985 schism at Apple when Steve was fired from the company he co-founded.  Since then, as far as I know, the two had no contact.

Very sad.

The Odd Couple

In the spring of 1980, toward the end of my five-year association with Morgan Stanley as a technology analyst, I initiated a meeting that remains indelible in my memory. I introduced Morgan Stanley to Apple Computer. Or rather, I introduced Bob Baldwin to Steve Jobs.

For those of you unfamiliar with Robert H.B. Baldwin, let me tell you a little about him. A summa graduate of Princeton, three-sport varsity athlete, Undersecretary of the Navy, member of Augusta National, banker to the Fortune 500, and Chairman of Morgan Stanley – and not to mention, the owner of two middle initials. The epitome of the white-shoe Wall Streeter. In other words, the un-Steve Jobs.

The occasion for their meeting was a computer show being held at the New York Hilton Hotel, just three blocks north of Morgan Stanley headquarters on Avenue of the Americas. Apple was exhibiting its modest product line, the Apple II and Apple III, and Steve was manning the booth.

Morgan Stanley at the time acted as investment banker only for the crème de la crème of American and international business: AT&T, General Motors, DuPont, General Electric, IBM, Merck, Standard Oil, et al. No pipsqueak start-ups for them.

But the winds of economic change were being recognized even in the hallowed halls of Morgan Stanley. There were some in the firm who perceived that the second industrial revolution – information technology – might soon create some major new industries, new companies, and new investment banking opportunities.

After what must have been a lively partners meeting in early 1980, the firm decided to compete for underwriting the forthcoming Apple IPO. And who better to sell the merits of Morgan Stanley than Bob Baldwin? Well, as it turned out, maybe others would have been better. Nonetheless, Bob is the partner I took to meet Steve Jobs.

My role? For the three preceding years, I had been the self-anointed evangelist of personal computers in general and Apple in particular on Wall Street and at Morgan Stanley. I used to take my Apple II on visits to clients, trying to demonstrate that this playful-looking product had a potential far greater than its then perception as a toy for hobbyists and gamesters.

Besides proselytizing the financial community, I also spent a lot of time singing the PC’s praises to influencers and journalists. As Mike Moritz (now of Sequoia Capital) wrote in his book, “The Little Kingdom”:

“The reporters who trooped through Rosen’s New York office found that he was using an Apple. So Rosen became, in some ways, Apple’s most influential sponsor,,, one of Apple’s best salesman.”

But Morgan Stanley was a particularly tough sell. Before they would approve purchase of an Apple II for me (so I wouldn’t have to cart the one Apple gave me between home and office), I had to prove to the IT department that a PC could do something that their mainframes couldn’t do.

So I did. And it took just one demo. In a meeting before the IT staff, I opened a beta version of VisiCalc, the world’s first practical spreadsheet. It was a new application just created by Dan Bricklin and Bob Frankston that was available only on PCs (and initially, only on Apples). I populated the rows and columns with a financial model (something that bankers could understand), changed the value of one cell, then hit the recalc key. The value of every cell in the worksheet was instantly recalculated. “Wow” resounded throughout the room. They had never seen anything like this before. Their resistance melted, their approval was given, and a Morgan Stanley check was cut to purchase one Apple II for me.

So I was the “Apple guy” at Morgan Stanley, the one who had known Steve Jobs for the last three years. Moritz writes:

“[At Apple] Rosen was given the sort of customer service reserved for sheikhs and princes. When he didn’t understand some feature of the Apple…he called Jobs or Markkula at home.”

Thus, I became the designated go-between.

Baldwin and I walked to the Hilton, ascended the escalator to the ballroom floor, where trade shows were domiciled, and headed directly to the modest Apple booth.

“Steve, meet Bob Baldwin. Bob, Steve.”

For the next 20 minutes, the following weird situation took place: Steve engaged in a monolog about how insanely great the Apple PCs were, and simultaneously Bob delivered his own monolog of why Morgan Stanley was the nonpareil banker of the financial world.  Neither seemed to listen to, nor care about, what the other was saying. Steve had no clue about investment banking, and Bob’s total knowledge of computers was that Morgan Stanley had some. Yet strange as this dialog between monologists was, somehow Morgan Stanley ended up as the lead underwriter. Apple went public in December, 1980, and the rest, as they say, is history.

Incidentally, intoxicated by the success of the Apple offering, Morgan Stanley modified its historical big-company strategy and went on to become one of the leading technology bankers, a leadership position that continues to this day.
Circa 1982

A Mac By Any Other Name

A couple of years before the January 1984 introduction of the Mac, Steve convened an offsite meeting of the Macintosh Division in Monterey.  I had been invited by Steve to attend and make a presentation to the group. Here’s how Mike Moritz captured some of that session in “The Little Kingdom”:

After dinner, someone who looked like a demure orthodontist, with thinning silver hair and owl-eyed spectacles, performed what, in computer circles, amounted to a cabaret act.  The figure wearing a Mac T-shirt over a long-sleeved dress shirt was Ben Rosen.  He had turned a reputation gained as a Wall Street electronics analyst, the industrious publisher of an informative, sprightly newsletter, and host of annual personal-computer conferences into a career as a venture capitalist.  Before he started investing in computer companies his comments had been sought as much as his ear. 

For the Mac group Rosen worked from a casual script of observations, wisecracks, tips, and industry gossip…He talked about low-priced home computers… Some of the frivolous rustle disappeared when Rosen started to talk about IBM whose personal computer had been providing severe competition for Apple.  He admitted to being impressed by a recent visit to IBM’s Personal Computer Division in Boca Raton and described what he thought were its plans for three new personal computers.  Then he looked around the room and said…”Mac is your most offensive and defensive weapon.  I haven’t seen anything that compares to it.”

He quizzically mentioned another industry rumor: “One of the things going around Wall Street is an IBM-Apple merger.”

“IBM already said they weren’t for sale,” Randy Wigginton, a young blond programmer, shot back.

“We have a crisis looming,” Jobs told Rosen, from the back of the room.  “We’ve got to decide what to call Mac.  We could call it Mac, Apple IV, Rosen I.  How’s Mac strike you?”

“Throw thirty million dollars of advertising at it,” Rosen said, “and it will sound great.”

Mac it was named. But, oh, what might have been…

The Industry Change That Didn’t Happen

In 1999, Compaq was going through a management crisis. The board appointed me Acting CEO in April. Midway through  my four-month tenure I received a call from Steve requesting that we get together to discuss an “important matter.”

Curious, I flew to the Bay Area, and met Steve at an Indian restaurant in Menlo Park. It was a haunt of his; he could always get great vegetarian meals there.

After we finished with the amenities and reminiscences, we got to the purpose of the meeting. Steve wanted Compaq to offer the Apple operating system on its PC line, adding to the Microsoft OS that had always been our sole OS. At the time, Compaq was the world’s largest manufacturer of PCs. Our adopting the Apple OS would be seen as a feather in Apple’s cap (and a pretty visible slap at Microsoft).

The catching up with Steve was fun, the food was great, but the OS idea never gained traction. Upon further analysis, it didn’t make sense for either Compaq or Apple. Compaq wasn’t about to declare war on Microsoft, our partner from our birth in 1982, and Steve had second thoughts about licensing their crown jewels.

By the way, Nora Ephron had a funny piece about Apple in The New York Times on Oct. 15 in which she expressed the wish that she “had thought of that thing where you connect the ‘i’ to the next word.” It turns out that Compaq Computer, not Apple, had thought of it first. In the year 2000, Compaq introduced the iPaq, a year before Apple’s iPod introduction. (Guess which product has been more successful.)
[Subsequent correction: As several of you have pointed out in your comments, the IMac (1998) and iBook (1999) preceded the iPaq. Mea culpa.]

Unknown meeting circa 1981

Wide-ranging Convictions

The Western Electronic Manufacturers Association used to hold annual industry conferences in Monterey. Steve keynoted one of the conferences in the early 1980s. But rather than tout the greatness of Apple, or the potential of personal computers, or anything material or mundane , Steve spoke passionately for 40 minutes on one subject -- the dangers of nuclear warfare. That was it.

The audience, needless to say, was dumbfounded. Steve spoke, took no questions, and sat down.

Steve, it turns out, had a lot of passions.

Easy Come, Easy Go

In 1979, the year before Apple went public, Mike Markkula called to offer me the opportunity to buy $1 million worth of Apple stock. I thought about it, considered it, and ultimately declined. Why? I felt it would compromise me. Even though Apple was a private company then, I was writing about it regularly in my capacity as a securities analyst. I knew it would soon become a public company. As such, I felt that meaningful stock ownership would affect my judgment on the stock.

In retrospect, I was somewhat over-cautious. Indeed, judging by the ethical standards of Wall Street of the last decade, I must look like some kind of nut.

So what did I forgo?  Apple stock is up about 150 times from its IPO price, adjusted for splits, and maybe 500 times from the price I was offered.

But, in the words of Edith Piaf, Je ne regrette rien.

My Last Contact With Steve

The year is 2007. Steve Jobs is now on the top of the world. He had created or transformed at least five fields -- computers, music, animated film-making, telephony, and industrial design. In June 2007, I decided to email him after having had no contact for eight years. I just wanted him to know that I had happily returned to the Apple fold after two decades in the desert. I didn’t expect a reply.

A few weeks later, to my surprise, I did receive a response. I was touched to hear from him, and touched by what he wrote.

                     From: Benjamin M. Rosen
                      Subject:  30 years later -- from Ben Rosen
                      Date:   June 4, 2007 9:06:02 AM EDT
To:   Steve Jobs

Hi Steve,

When you created and then showed me the Apple II in late 1977, little did I know how much it would change my life -- to a much more exciting one.

Well, after a 20-plus year interlude with that other OS (necessitated by my Compaq involvement), I thought you'd be pleased to know that for the last few years I've returned to my roots.  I'm once again an avid Apple user and evangelist.

Imagine, Ben Rosen, former Compaq Chairman, now a Mac enthusiast!

Warm regards,


                     From: Steve Jobs
                      Subject: Re: 30 years later -- from Ben Rosen
                      Date:    August 1, 2007 7:58:57 PM EDT
To:   Benjamin M. Rosen 


Sorry for my delayed reply - I was on a much needed family vacation for the past three weeks.

Wow - this news makes my day!  I'm glad to hear it.  I hope you like what we've done with the Mac.  I'm biased, of course, but I think its light years ahead of Windows.

How are you doing?  We haven't seen each other in years, but I remember the times we spent together very fondly.

All the best,

It gives me a great deal of pleasure to think that on August 1, 2007, I made Steve Jobs’ day.


  1. I love it! We're all in a period of mourning we did not expect to experience, with many stories about Steve Jobs and Macs and "my first Classic" stories but I just knew that you, Ben, would give us a through-the-years view of the man from the trenches of the business. It is very touching and leaves a very strong impression of how much his work changed all our lives forever. And unlike the investment banker crowd, he actually built things. I know, I know, the synergy etc. But as Akio Morita years ago said, the way back up for America is to return to its manufacturing roots.(He could have gone back even to our agrarian roots.) Apple is a great example of what can be done with the New Manufacturing. I'm not so sure about solar panels, however -- but I digress.
    Wonderful reminiscence Ben, simply wonderful. And I love the photos.

  2. Great and simply wonderful old photos. Thanks for this.

  3. Ben, thanks for posting this. I first meet Steve at the PC Forum in 1982. I remember the speakers dinner so I really like the photo you posted.

    avram miller

  4. I had met Steve in the course of the Franklin/Apple lawsuit, and was not a fan until after his return to Apple after the time in the desert (where he made his Pixar fortune). But this was a great post and brought back lots of old memories. I do like the Rosen 1 though :)

  5. Thank you for the story. One minor detail, didn't the iMac come before the iPaq? Just saying...

  6. There is no way in hell that steve jobs talked about licensing the mac os in 1999. Wasn't the very first thing he did when he got back to shut down the clones? Coupled with the fact that you think iPaq in 2000 predates the iMac in 1998 AND the ibook in 1999, and I am forced to discount and distrust all of these stories.

  7. The iMac (1998) and iBook (1999) both predate the iPAQ (2000). Come on, man...

  8. Thanks for lovely story,I have here a post that I wanted to share, I found it during the week that Steve died and its all about the legacy of Steve Jobs in his product from the first iMac up to the iPad

  9. Thank you for these reminiscences of Steve. His loss affected many of us in ways we didn't foresee and your words soothe.

  10. Thank you for sharing your treasured memories of Steve!

  11. Thanks for the pictures as well!

    Did you introduce Steve Jobs to Tim Cook?

  12. reading this story makes me miss Steve more and more...

  13. great read and great to see the old pictures. thanks a lot for sharing.


  14. Wonderful firsthand memories, love to read the increasing number of these as the finality of his death becomes more heartfelt.

    1 industry that needs to be included in your 5 that he transformed is "publishing", every current magazine, newspaper or book was most likely primarily built on a Macintosh.

    The other contribution is the "world wide web", and while like VisiCalc, it wasn't a direct innovation from Steve... but his NeXT machine of 1987 spawned the reason you are reading this very message.

    Google: Tim Berners Lee Blog Steve Jobs --- and you can read how the Web was created because of Steve Jobs.

    Thanks for the pictures as well!

  15. That is the most words Steve Jobs has ever posted in a letter reply. LOL.

  16. and before iMac & iBook there was iCEO, remember?

  17. Great post, I appreciate your memories; it must have been amazing to know Steve Jobs. One thing I think you got a little wrong is the predation of the iProduct name... it is my understanding that apple introduced the iMac (1998) before you introduced the iPaq (2000 per your own date) right? just asking I guess, but your post gave me a smirk, in a good way; thinking and wishing that SJ was at a good place now, he deserves it.

  18. Thanks very much for the wonderful stories. Sounds like you both enjoyed each others company.

  19. Is he the CEO who told Tim Cook not to join Apple?

  20. Many thanks for these great stories.

    For the poster that called BS on the idea that he would never have licensed Mac OS to Compaq, take a look at this remarkable Q&A from the WWDC 1997, prior to his coup retaking the company leadership but after having sold NeXT to Apple, in which he states (34' 30") " I think Apple should license everything!" adding "..but they should get a fair price for it."
    Obviously his thinking evolved, but the man wasn't afraid to play with his thinking. This talk is well worth watching in toto, he describes his thinking on the future of Apple as it teetered on the brink, candid and funny.

  21. I stand corrected on the point that several of you made. Apple's iMac and iBook preceded the Compaq iPaq by two years and one year, respectively.

    As to the allegation ["There is no way in hell that steve jobs talked about licensing the mac os in 1999"] by one of the testy "Anonymous" commenters, I beg to differ. The conversation I reported was accurate.


  22. This is the kind of stuff that doesn't show up in obits and is a real treasure - specially when it's about someone as widely admired, mourned and controversial as Jobs.

    Since I only began hanging around the PC business in the early 80's I wasn't aware that you were so 'apple-to-the-corps' at the outset - and yet it doesn't surprise me.

    You can add advertising to the list of apple carts Steve upset. He drove Chiat Day unmercifully (I'm told) and the results not only broke the mold but set the bar higher for everyone else. I'd argue his influence on the ad biz equals Bill Bernbach, David Ogilvy et al.

    Thanks for the memories. And the picture of Don Estridge, a friend who wrote me a letter (it was before email) that I treasure as you do Steve's

  23. Ben,
    The New York trip was Apple Expo, at the Hilton. I still remember a large group of us walking down 6th Ave. on our way to Broadway as your guest for the play "Nuts." On the way to the theatre, a man frantically ran up to us and asked how to get to Carnegie Hall. Twenty people shouted at him "practice, practice, practice." You can wait a whole lifetime for a moment like that. A belated additional thanks for a delightful evening!
    Barry Yarkoni

  24. PS At the same event, the attendance at the show exceeded everyone's wildest expectations, and a line formed around the block. Steve went outside and worked the line, signing autographs, and assuring everyone that we would stay open as long as it took to get everyone in. The people on line outside chatting with Steve considered themselves luckier than the folks already in the show.

  25. Ben -
    Thanks for sharing the history and believing in steve when there were lots of doubters! You'll likely smile knowing I'm typing on an iPad...and sending from a wifi-enabled flight from NYC to SFO - a long but wonderful journey from the days I did the typing on that world-changing Compaq LTE 286 notebook you helped debut.
    - mary meeker

  26. Each one of us has a story tell about Steve. without him I cannot imagine what world of today look like. Apple recently share an event entitled Celebrating Steve which happen last Oct. 19 - Thanks for sharing your memories with Steve with us

  27. Mary,

    Nice hearing from you. Enjoy the world of venture capital -- a lot more fun and more productive than the life of a securities analyst. The next 20 years are going to be exciting.


  28. I'm reading the Steve Jobs book, as I'm sure you are, and I'm surprised at the small mention of you, as perhaps you are too.


  29. Glad to see you are well Ben. I worked in Boston Area sales at Compaq for many years prior to the Digital Equipment Corporation purchase. I too remember Mr. Esteridge. Both men taken too soon. As Mac McLaughlin would say: Live long and prosper!

  30. this is another attempt to make contact using the blog.
    I knew steve from when i helped to bring up the apple 1 in his garage I am sure you remember we almost bought apple before mike came on an created a great company. Steve and I had lunch the day he visted parc and decided to put the concept as a basis for LISA.
    He was a valued assicate who went bad on me and others but returned to make lots of history. I am only sorry we never had a chance to make up after he came back.
    the purose for this blog is to try and make contact
    i am sure you remember me and I think I have something you will find very interesting and exciting. My phone number is 8313318810 my email is
    if this doesn't work I will go through seven rosen.
    chuck peddle likely father of personal computer.

  31. Great piece, Ben

    John (and Barbara)

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