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1. What widespread laptop applications need 20+ GB of random access memory? With the low latency of PCIe storage, virtual memory could cover the non-random access cases like editing UHD or DCI-4K videos, or data mining large datasets.

2. Apple might be looking forward to future generation processors, which might add on-package memory with lower power and faster bandwidth. If that on-package memory is limited to 16GB, then Apple could be preparing its software ecosystem to deal with a similar 16GB memory window and latency/power cliff, thus saving power and boosting the battery life in the next generation to come.