It's Crunch Time For Apple and the Future of iPhone

The untimely and tragic passing of Steve Jobs has left just about every pundit in the industry and indeed just about every reporter and commentator in the media wondering about how the future of iPhone and Apple will be affected.  While I agree that there is definitely a large looming question created by Steve's passing, some other indicators have me wondering: are we witnessing the beginning of a major shift in the smartphone market from hardware to software?