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Most people in the industry don't expect packaged software, as a category, to die anytime soon. But changes in technology and consumer habits are increasingly causing software companies to think twice about those boxes and installation disks that they ship to stores.Which is one reason consumers will no longer find boxes of Microsoft Money in stores after current supplies run out. Microsoft said earlier this month that it would discontinue packaged retail sales of the personal financial-management software - instead shifting entirely to online downloads.