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Clayton Christensen first identified the concept of the disruptive innovation in the Innovator's Dilemma. The basic idea is this: a new technology slowly undermines an existing, dominant technology, by starting out cheaper and "worse," then slowly improving until it is a full replacement for the dominant one, but with newer, more flexible capabilities, and usually a lower cost basis. Classic examples of disruptive technologies include the PC (which disrupted mainframes and minicomputers) and desktop publishing (which disrupted the print industry).

To find out more about the survey, I asked Deloitte LLP chairman of the board Sharon Allen to provide some additional context. Given that my only risk-management concern early this week relates to thunderstorms off the coast of South Padre Island, I asked Sharon to step in as a guest blogger today. Here's what she sent me: When I was a high school student growing up in the small farming community of Kimberly, Idaho, little did I know that a song from that time could serve as an anthem for something happening in the workplace today. The Beatles' 1967 classic "Hello Goodbye" is a study in contrasts, as are the current attitudes about social media. Social media has arrived - and with it, employers and employees are singing very different songs about what constitutes appropriate social networking both on and off the job. Recently, I commissioned the third annual Deloitte LLP "Ethics & Workplace" survey. We polled 500 executives and 2,000 employees outside Deloitte. Our survey found that 60 percent of business executives believe they have a right to know how employees portray themselves and their organizations in online social networks. Perhaps because nearly three-fourths of the employees in our poll agreed that the use of social networks makes it easier to damage a company's reputation. However, more than half of employees polled say their social networking pages are not an employer's concern. That belief is especially true among younger workers, with nearly two-thirds of 18- to 34-year-old respondents stating that employers have no business monitoring their online activity.