The internet and retail analysts at Morgan Stanley recently published a massive report on how the retail industry was changing. For the most part, the evolution involves a shift from brick-and-mortar retail to e-commerce, which they estimate will grow to $1 trillion by 2016. Some products are underpenetrated by e-commerce.  And some of that may be due to the fact that consumers just don't want certain items delivered. To the right is a chart of the online penetration rates for various goods.  SEE ALSO: How The E-Commerce Revolution Is Changing Everything We Know About Retail > ... Read More