Ever since when I was young, I loved Superman. And the reason for it is not what you think it is. Because although its agility, his superhuman strength, and his intellect all fascinated me and was incredibly fun to think about, the real reason why I was so captivated and fascinated with Superman was because of where he got his energy from.He didn't get it from a radioactive spider like Spider-Man. He wasn't born as a Norse god like Thor or Loki, but he got it from the yellow sun above us. And that fascinate ...

So, let me start off today with a question. Who here thinks forgetting is a bad thing. Yeah, I see some hands.We've all had that one time when we forgot our partner's wedding anniversary or we forgot our friend's birthday and they scold us for it. One of my favorite examples of a forgettable offense is a story about a mom, my mom, and a bakery she absolutely despised. Uh, the owner apparently was really rude and condescending towards my mom and cuz he had a bad day.So, ever since then, that bakery has been ...

Hi everyone. Um, so I'm here to talk about the hidden code of mathematics in nature. So nature is not random.It is remarkably almost impossibly precise. Hi, my name is Mju Kim and today we will talk about mathematics as a hidden script etched into every leaf, every galaxy and every cosmos. Because math, it's not something that we just made up to measure the world. It's something that the world runs on.From the microscopic to the cosmic, mathematics is nature's silent architect. So today we will discover how ...

Cryptocurrency Market Overview - Bitcoin reached over $100,000 per coin in late 2024 [7] - A crypto crash in 2022 resulted in $1.8 trillion in losses [8] - $3.8 billion in crypto assets were lost through scams and thefts in 2022 [9] - Conventional cryptocurrencies are decentralized, leading to private markets with little government intervention [11] Central Bank Digital Currencies (CBDCs) - CBDCs are government-backed digital currencies regulated by central banks [11][12] - Over 130 countries, representing 98% of the global economy, are exploring CBDCs [13] - Countries like China, Nigeria, and Jamaica have already launched CBDCs [13] - The United States and European Union are considering joining the CBDC trend [14] Potential Benefits of CBDCs - CBDCs offer increased regulation and oversight compared to regular crypto, reducing scam risks [15] - The United States FBI reports that 71% of all investment scam losses were tied to crypto, with thefts increasing by 53% annually [15] - Jamaica's Basil AML index score decreased after implementing CBDC, indicating reduced financial crime liability [16][17] - CBDCs can promote financial inclusion by reaching the two billion people worldwide without bank accounts [18][20] Potential Risks and Challenges of CBDCs - A 2023 poll indicated that 76% of Americans oppose CBDCs due to lack of trust in the government [22] - Nigeria's CBDC, E Naira, saw only 0.8% of citizens opening a digital wallet, with 98% of those wallets being inactive [23] - Banks might lose 80 cents in deposits for every $1 of CBDC involved [26] - A shift to government-run CBDCs could lead to a 5% drop in industrial lending [27]

Housing Market & Interest Rates - Lowering the Fed rate might help consumers buy homes by injecting liquidity into the market, but other factors complicate the situation [1] - Mortgage rates are based on the 10-year yield, not the Fed funds rate; rate cuts don't automatically translate to cheaper mortgages [2][3] - Last year, Fed rate cuts spurred expectations for growth and inflation, pushing up the 10-year yield and hurting housing [3] - The belief that Fed cuts automatically lead to cheaper mortgages is not universally held; while it often happens, it didn't last year [4] Inflation & Monetary Policy - Higher and stickier inflation changes how the 10-year yield reacts to policy changes; bonds may not behave the same way to Fed cuts as in the past 20 years due to a different inflationary environment [5][6] - Equities are potentially a better inflation hedge than bonds, questioning bonds' role as a diversifier [6] - The labor market is showing signs of softening, which could lead to the Fed cutting rates and potentially pulling down long-term yields and inflation [8][9] Labor Market & AI Impact - 34% of CEOs surveyed by the Conference Board expect job cuts in the next 12 months, the first time those expecting cuts outnumbered those expecting to hire since COVID [8] - Companies are expected to accelerate job cuts to control costs [9] - Companies are investing in AI and training their staffs, but the timing and degree of AI's disinflationary impact are uncertain [10][11] - Companies are pressured to invest in AI, which requires upfront spending and may lead to headcount reductions to offset costs [11][12]

One of the things that I got most wrong in the early days of Roomba was imagining that the perfect Roomba was a Roomba you never saw, you never touched, you just came home every day to a perfectly clean home. And that was completely wrong. The perfect Roomba was the Roomba that cleaned around your kitchen table, did a great job, eventually earning your trust that it could actually do that job, at which point you would give it permission to clean the rest of the kitchen. At which point, after proving that it ...

Freeberg, you think that we should What do you do with the mortgage market. You >> God, it's so difficult. I don't know.>> Do you just basically privatize Freddy and Fanny and let them underwrite. >> I 100% think you got to privatize Freddy and Fanny as a first step. >> And then you have to stop underwriting student debt so that you don't underwrite the $200,000 degrees.>> I believe 100% in ending the federal student loan program. And I think that it will force a restructuring of the of the entire higher ed ...

[Music] Last year there's a generative AI summit at the San Francisco Palace of Fine Art. I was there to manage the stage. That is not the only thing I do.I have a bigger secret. I was there to search for something deeper. There's a powerful link between large language model and personal growth.I feel like motivational speakers, top performer and AI researchers only those people's know secrets. It is not just creativities, leadership, not even communications one skill. Behind every breakthrough, every disco ...

Le 8 mai 1679, quatre soldats raquettes et violent Pérgillon. De jours plus tard, son mari porte plainte. L'un des soldats allume un contrefeu en accusant Peron Gouillon de sorcellerie.Elle est ensuite emprisonnée et soumise à une procédure judiciaire impliquant la recherche de la marque du diable sans sépé prouvé qu'un pacte a été scellé avec ce dernier. N'importe quelle irrégularité dermatologique pouvait être identifiée comme la marque du diable, y compris une tâche de naissance ou une verrue. Mais il po ...

Many say if you drive down any of the streets in Cleveland Heights neighborhoods, you'll find a diversity of flags representing the fabric of the community. If you look up and down our street, it's there's pride flags. There's, you know, uh we believe in love signs in the yards and that sort of thing.But last week, several homeowners filed police reports after receiving hateful mail right to their doorsteps. This homeowner told me he was shocked to hear about it. It was really upsetting, right.Like apparent ...