Emerging Risk Quotes

On translating text into the new language as it is in source language, there is a chance of it being emerged as an absurd sentence in the target language making no sense at all. In the attempt to make the translation meaningful to the target language, there exists a risk of the original work getting meddled by the translator’s style.

Adventures are funny things. Some streak down upon you like a storm. Others emerge after many years have passed and something forgotten is revealed. They can be discovered on a dusty bookshelf or the yellowed pages of an ancient map. They promise great reward, but no adventure is without risk.

Fear and anxiety affect decision making in the direction of more caution and risk aversion... Traumatized individuals pay more attention to cues of threat than other experiences, and they interpret ambiguous stimuli and situations as threatening (Eyesenck, 1992), leading to more fear-driven decisions. In people with a dissociative disorder, certain parts are compelled to focus on the perception of danger. Living in trauma-time, these dissociative parts immediately perceive the present as being "just like" the past and "emergency" emotions such as fear, rage, or terror are immediately evoked, which compel impulsive decisions to engage in defensive behaviors (freeze, flight, fight, or collapse). When parts of you are triggered, more rational and grounded parts may be overwhelmed and unable to make effective decisions.

Why do I take a blade and slash my arms? Why do I drink myself into a stupor? Why do I swallow bottles of pills and end up in A&E having my stomach pumped? Am I seeking attention? Showing off? The pain of the cuts releases the mental pain of the memories, but the pain of healing lasts weeks. After every self-harming or overdosing incident I run the risk of being sectioned and returned to a psychiatric institution, a harrowing prospect I would not recommend to anyone. So, why do I do it? I don't. If I had power over the alters, I'd stop them. I don't have that power. When they are out, they're out. I experience blank spells and lose time, consciousness, dignity. If I, Alice Jamieson, wanted attention, I would have completed my PhD and started to climb the academic career ladder. Flaunting the label 'doctor' is more attention-grabbing that lying drained of hope in hospital with steri-strips up your arms and the vile taste of liquid charcoal absorbing the chemicals in your stomach. In most things we do, we anticipate some reward or payment. We study for status and to get better jobs; we work for money; our children are little mirrors of our social standing; the charity donation and trip to Oxfam make us feel good. Every kindness carries the potential gift of a responding kindness: you reap what you sow. There is no advantage in my harming myself; no reason for me to invent delusional memories of incest and ritual abuse. There is nothing to be gained in an A&E department.

Like any foundation, antifragility requires continued care to remain resilient to new hazards, which constantly emerge to erode it.

Climate intelligence enables action-oriented, climate-aligned decisions to mitigate risks, build resilient adaptation, and identify emerging opportunities.

A deep understanding of the business and industry landscape allows board members to identify emerging risks and ensure appropriate mitigation strategies are in place.

The single best way to develop leaders . . . is to take people out of their safe environment and away from the people they know, and throw them into a new arena they know little about. Way over their head, preferably. In fact, the more demanding their challenges, the more pressure and risk they face, the more likely a dynamic leader will emerge.

Maybe the existential risk is not machines taking over the world or reaching human-level intelligence, but rather the opposite where human beings think like idle machines - unable to connect the emerging dots of our complex, systemic world.

Board members must stay abreast of industry trends, regulatory changes, and emerging financial risks to ensure that they are equipped to make sound financial decisions.

Deep knowledge of the company's industry is essential for understanding the competitive landscape, regulatory environment, and emerging trends. Board members with industry experience can provide valuable insights and guidance on strategic decision-making, risk management, and growth opportunities.

Because of the consequences of trying to be heard as a child, many adults are unable to take the risk of telling as adults. The fear of the consequences is almost debilitating. The abusers and controllers know that; they rely on it.

For businesses, it is vital to embed ethical checkpoints in workflows, allowing models to be stopped if unacceptable risks emerge. The apparent ease of building capable LLMs with existing foundations can mask serious robustness gaps. However unrealistic the scenario may seem under pressure, responsible LLM work requires pragmatic commitments to stop if red lines are crossed during risk assessment.

For a New Beginning In out-of-the-way places of the heart, Where your thoughts never think to wander, This beginning has been quietly forming, Waiting until you were ready to emerge. For a long time it has watched your desire, Feeling the emptiness growing inside you, Noticing how you willed yourself on, Still unable to leave what you had outgrown. It watched you play with the seduction of safety And the gray promises that sameness whispered, Heard the waves of turmoil rise and relent, Wondered would you always live like this. Then the delight, when your courage kindled, And out you stepped onto new ground, Your eyes young again with energy and dream, A path of plenitude opening before you. Though your destination is not yet clear You can trust the promise of this opening; Unfurl yourself into the grace of beginning That is at one with your life’s desire. Awaken your spirit to adventure; Hold nothing back, learn to find ease in risk; Soon you will be home in a new rhythm, For your soul senses the world that awaits you.

The next real literary "rebels" in this country might well emerge as some weird bunch of anti-rebels, born oglers who dare somehow to back away from ironic watching, who have the childish gall actually to endorse and instantiate single-entendre principles. Who treat of plain old untrendy human troubles and emotions in U.S. life with reverence and conviction. Who eschew self-consciousness and hip fatigue. These anti-rebels would be outdated, of course, before they even started. Dead on the page. Too sincere. Clearly repressed. Backward, quaint, naive, anachronistic. Maybe that'll be the point. Maybe that's why they'll be the next real rebels. Real rebels, as far as I can see, risk disapproval. The old postmodern insurgents risked the gasp and squeal: shock, disgust, outrage, censorship, accusations of socialism, anarchism, nihilism. Today's risks are different. The new rebels might be artists willing to risk the yawn, the rolled eyes, the cool smile, the nudged ribs, the parody of gifted ironists, the "Oh how banal". To risk accusations of sentimentality, melodrama. Of overcredulity. Of softness. Of willingness to be suckered by a world of lurkers and starers who fear gaze and ridicule above imprisonment without law. Who knows

Drills held weekly. All illusions are interactive, but unable to harm you! However, in the event of an emergency, yell Goldilocks, and the battle will stop immediately.* *Students who end Professor Harlow’s simulation do so at their own risk.

Municipalities that struggle with emergency management present an added layer of risk in terms of their ability to repay loans. When we do our underwriting for bond issuance we consider how prepared a municipality is in terms of emergency management.

When a worker is injured at an IBP plant in Texas, he or she is immediately presented with a waiver. Signing the waiver means forever surrendering the right to sue IBP on any grounds. Workers who sign the waiver may receive medical care under IBP's Workplace Injury Settlement Program. Or they may not. Once workers sign, IBP and its company-approved doctors have control over the job-related medical treatment - for life. Under the program's terms, seeking treatment from an independent physician can be grounds for losing all medical benefits. Workers who refuse to sign the IBP waiver not only risk getting no medical care from the company, but also risk being fired on the spot...Injured workers almost always sign the waiver. The pressure to do so is immense. An IBP medical case manager will literally bring the waiver to a hospital emergency room in order to obtain an injured worker's signature. When Lonita Leal's right hand was mangled by a hamburger grinder at the IBP plant in Amarillo, a case manager talked her into signing the waiver with her left hand as she waited in the hospital for surgery. When Duane Mullin had both hands crushed in a hammer mill at the same plant, an IBP representative persuaded him to sign the waiver with a pen held in his mouth.

Humans aren’t going to do anything in time to prevent the planet from being destroyed wholesale. Poor people are too preoccupied by primary emergencies, rich people benefit from the status quo, and the middle class are too obsessed with their own entitlement and the technological spectacle to do anything. The risk of runaway global warming is immediate. A drop in the human population is inevitable, and fewer people will die if collapse happens sooner.

Here’s the painful pattern that emerged from my research with men: We ask them to be vulnerable, we beg them to let us in, and we plead with them to tell us when they’re afraid, but the truth is that most women can’t stomach it. In those moments when real vulnerability happens in men, most of us recoil with fear and that fear manifests as everything from disappointment to disgust. And men are very smart. They know the risks, and they see the look in our eyes when we’re thinking, C’mon! Pull it together. Man up. As Joe Reynolds, one of my mentors and the dean at our church, once told me during a conversation about men, shame, and vulnerability, “Men know what women really want. They want us to pretend to be vulnerable. We get really good at pretending.

The business of repatriating emotions emerges as one of the most delicate and necessary tasks of love. To accept the risks of transference is to prioritize sympathy and understanding over irritation and judgment. Two people can come to see that sudden bursts of anxiety or hostility may not always be directly caused by them, and so should not always be met with fury or wounded pride. Bristling and condemnation can give way to compassion. By

even if Noam Chomsky were right about everything, the Islamic doctrines related to martyrdom, jihad, blasphemy, apostasy, the rights of women and homosexuals, etc. would still present huge problems for the emergence of a global civil society (and these are problems quite unlike those presented by similar tenets in other faiths, for reasons that I have explained at length elsewhere and touch on only briefly here). And any way in which I might be biased or blinded by “the religion of the state,” or any other form of cultural indoctrination, has absolutely no relevance to the plight of Shiites who have their mosques, weddings, and funerals bombed by Sunni extremists, or to victims of rape who are beaten, imprisoned, or even killed as “adulteresses” throughout the Muslim world. I hope it goes without saying that the Afghan girls who even now are risking their lives by merely learning to read would not be best compensated for their struggles by being handed copies of Chomsky’s books enumerating the sins of the West

By the time we emerge from childhood, we have acquired a reflex-level intuition for where most of our everyday world’s loci of unpredictability lie, and the more unpredictable end of this spectrum simultaneously beckons to us and frightens us. We’re pulled by but fearful of risk-taking. That is the nature of life.

My camouflage, begun so many years before under the persecution of the Judge, was now threatening to become the complete man. It was time to slough the mottled and cunningly contrived outer skin to emerge as myself, to face the risk of exposure, to regain the power of one. I had reached the point where to find myself was essential.

Most people accept living unhappy lives because it is the only way they know, they refuse to be open to the new emerging possibilities and refuse to make positive changes. Because they are afraid of being outside their own comfort zone and don’t risk anything, they live lives that are far less fulfilling than they could actually have.

A randomized study by the American College of Physicians Public Health Emergency Collection published on June 24, 2020, concluded “randomized trials in community settings found possibly no difference between N95 versus surgical masks and probably no difference between surgical versus no mask in risk for influenza or influenza-like (respiratory) illness.”146

This is how you build secure attachment: through daily attunement to the subtle cues of other people and lavishing love and care, while letting them come and go as needed. In this kind of connection, you know your home base is always there for you, so you feel comfortable going out into the world, taking risks, trying new or scary things, because you can return to safe arms when you need to.

Removing pubic hair does not improve cleanliness, and there is emerging data that it is associated with an increased risk of infections like HPV and herpes, although the exact mechanism is not known.

But what about the apparent absurdity of the idea of dignity, freedom, and reason, sustained by extreme military discipline, including of the practice of discarding weak children? This “absurdity” is simply the price of freedom—freedom is not free, as they put it in the film [300]. Freedom is not something given, it is regained through a hard struggle in which one should be ready to risk everything. Spartan ruthless military discipline is not simply the opposite of Athenian “liberal democracy,” it is its inherent condition, it lays the foundation for it: the free subject of Reason can only emerge through ruthless self-discipline. True freedom is not a freedom of choice made from a safe distance, like choosing between a strawberry cake and a chocolate cake; true freedom overlaps with necessity, one makes a truly free choice when one’s choice puts at stake one’s very existence—one does it because one simply “cannot do otherwise.” When one’s country is under foreign occupation and one is called by a resistance leader to join the fight against the occupiers, the reason given is not “you are free to choose,” but: “Can’t you see that this is the only thing you can do if you want to retain your dignity?

We said it should be enough to cover three to six months of expenses, but should you go with three months or six months? If you think about the purpose of this fund, it will help you determine what is right for you. The purpose of the fund is to absorb risk, so the more risky your situation, the greater the emergency fund you should have. For example, if you earn straight commission or are self-employed, you should use the six-months rule. If you are single or you are a one-income married household, you should use the six-months rule because a job loss in your situation is a 100 percent cut in household income.

However, society is only composed of weak persons and strong; well, if the pact must perforce displease both weak and strong, there is great cause to suppose it will fail to suit society, and the previously existing state of warfare must appear infinitely preferable, since it permitted everyone the free exercise of his strength and his industry, whereof he would discover himself deprived by a society's unjust pact which takes too much from the one and never accords enough to the other; hence, the truly intelligent person is he who, indifferent to the risk of renewing the state of war that reigned prior to the contract, lashes out in irrevocable violation of that contract, violates it as much and often as he is able, full certain that what he will gain from these ruptures will always be more important than what he will lose if he happens to be a member of the weaker class; for such he was when he respected the treaty; by breaking it he may become one of the stronger; and if the laws return him to the class whence he wished to emerge, the worst that can befall him is the loss of his life, which is a misfortune infinitely less great than that of existing in opprobrium and wretchedness. There are then two positions available to us: either crime, which renders us happy, or the noose, which prevents us from being unhappy. I ask whether there can be any hesitation, lovely Therese, and where will your little mind find an argument able to combat that one?

In a classic study of highly accomplished architects, the most creative ones graduated with a B average. Their straight-A counterparts were so determined to be right that they often failed to take the risk of rethinking the orthodoxy. A similar pattern emerged in a study of students who graduated at the top of their class. “Valedictorians aren’t likely to be the future’s visionaries,” education researcher Karen Arnold explains. “They typically settle into the system instead of shaking it up.

Where are we?” she asked when I pulled into a parking lot. “The park.” “Isn’t it dangerous at night?” “Not here. Come on.” I pulled her out of her seat and grabbed a blanket from the trunk before trekking through the soft grass. “You always keep a blanket in your car?” “Yeah, for emergencies. Never know when you might need it. Food, water, first-aid kit, too.” “Oh!” she grunted and caught my arm as one of her heels pierced the soft dirt and sank. “You should take those off.” “And walk around barefoot? Hello? Ever heard of hookworms and tetanus?” “Ever heard of snapping your ankles as you fall flat on your face in the dark?” I asked as I squatted in front of her and slipped her foot out of the high heels. “What are you doing?” she gasped, tumbling forward and grabbing onto my shoulders for support. “Removing your obstacles.” She landed a bare foot on the grass as I undid the other shoe. “So now I get tetanus?” I looked up at her, my hands lightly stroking her ankles up to her calves. “You worry too much.” “It’s a real risk. Ask Preeti.” I stood slowly, moving up her body, and hovered above her. “How…how far are we walking?” she asked. “To the river.” “In the dark?” I nodded and handed her the shoes. “Took these off and you won’t even carry them?” “I’ll carry them,” I replied, swooped down, and threw her over the blanket on my shoulder. Liya yelped. “Put me down!” “So you can get tetanus?” I asked and walked toward the river. She laughed. “I hate you!” “You love it.” She slapped my butt and then poked her pointy elbows into my shoulder as she arched her back. “Enjoying the view of my backside from over there?” I slid my hand up the back of her thighs and tugged her dress down to keep her covered. “This isn’t so bad,” she said. “Oh, yeah?” “Yeah.” She slapped my butt again. “Giddyap!” “All right. You asked for it.” Her next words were swallowed up in a scream as I took off at a full sprint. She gripped my shirt, clutching for my waist, as the breeze broke around us. I ran the short distance to the riverside in no time, slowing only when the moonlit gleam on the water’s surface appeared. I placed Liya on the grass, but she swayed away. I grabbed her by the waist to steady her and chuckled. “Are you okay?” “You try doing that upside down.

Management is about the position; leadership is a disposition that goes beyond positions. Managers minimize risks; leaders maximize contribution. Managers work through structures of stability; leaders work through dynamic change. While managers are defined by their position, leaders can emerge from any position.

Enlightenment is man’s emergence from his self-imposed nonage. Nonage is the inability to use one’s own understanding without another’s guidance. This nonage is self-imposed if its cause lies not in lack of understanding but in indecision and lack of courage to use one’s mind without another’s guidance. Dare to know! Freedom

As education and creativity researcher and author Sir Ken Robinson puts it, “We are educating people out of their creativity.” Another major factor is that, for years, organizational management has been developing methods for increasing productivity and minimizing risk and errors that tend to stifle creative experimentation.

In emerging technologies, security is the biggest threat, and common standards for communication and safety are improving, which means that risks will be minimised. We can only hope that man with this technology can actually stop the destruction of our planet, make the population healthier, and create a better future for all of us.

The teaching of Jesus is clear. No one ought to be compelled to become a Christian. This sets the Christian faith drastically apart from Islam. In no country where the Christian faith is the faith of the majority is it illegal to propagate another faith. There is no country in the world that I know of where the renunciation of one’s Christian faith puts one in danger of being hunted down by the powers of state. Yet, there are numerous Islamic countries where it is against the law to publicly proclaim the gospel of Jesus Christ, and where a Muslim who renounces his or her belief in Islam to believe in anything else risks death. Freedom to critique the text of the Koran and the person of Mohammed are prohibited by the laws of blasphemy, and the result is torturous punishment. One must respect the concern of a culture to protect what it deems sacred, but to compel a belief in Jesus Christ is foreign to the gospel, and that is a vital difference. The contrast is all too clear. It is in this matter of conversion and compulsion that political theory emerges. As I stated earlier, the gospel is not to be spread at the point of a sword. When Christendom has resorted to such methods, it was not the gospel of Jesus Christ that was propagated, but a political theory that used the gospel for the benefit of power-seeking institutions and individuals.

Visionaries are that rare breed of people who have the insight to match up an emerging technology to a strategic opportunity, the temperament to translate that insight into a high-visibility, high-risk project, and the charisma to get the rest of their organization to buy into that project. They are the early adopters of high-tech products.

I began this process without preconceptions of how the information would shake out. Five consistent types of behavioral risk emerged: Ego, Emotion, Information, Attention, and Conservation. The number of bad decisions we can make is limitless (have you seen reality TV?), but all behavioral risk has one or more of these five risk factors at its core.

He parked the car, pressed the button for the roof to fold back, and undid his seat belt. "It's an emergency." Goldilocks giggled. She unfastened her belt and hopped onto her knees. "Yes, I can see" - she glanced down at his crotch - "That we're in danger of a detonation. What's the protocol in a situation like this, Mr. Environmentalist?" "I'm afraid I have no choice but to advocate for release.

The place is of no concern to them. They've left it to fester. An informational dead zone. The abstraction doesn't penetrate here, by design. The dome rebuffs it. The family craved their privacy, their insularity. My alert was a simple radio frequency trigger, with just enough power to reach beyond the estate. A risk even in that, but one worth taking." "You keep saying them," Dreyfus said. "For a reason," Stasov answered.

Why, given their advanced mathematical ideas, did the Arabs not proceed to probability theory and risk management? The answer, I believe, has to do with their view of life. Who determines our future: the fates, the gods, or ourselves? The idea of risk management emerges only when people believe that they are to some degree free agents. Like the Greeks and the early Christians, the fatalistic Muslims were not yet ready to take the leap.

Hundreds of people began to care in a personal way about the suffering of farm workers because they care about you and learned that you were willing to go to jail with striking farm workers,” Chris wrote the delegates from the Jesuit spirituality conference. He apologized profusely for having misled them into thinking they would be out in a few days. But no one complained. They told Chris the two weeks ranked among the most moving times of their lives. The gripes came from those who had opted for the picket line that obeyed the injunctions. They had been forced to make the decision too fast, they grumbled to Chris. Chris saw the saga as a modern parable, and he loved to tell the story: The people who played it safe, unwilling to risk arrest, ended up feeling cheated and angry. Those willing to sacrifice emerged from the ordeal enriched, certain that the experience had changed their lives.

The hell of it is that my son, my only child, has to turn out to be,” he added with a return of his old spirit, black eyes flashing, “the one man in Washington, D.C. who hates my guts!” “You weren’t too fond of him, either, if you recall,” she pointed out. He glared at her. “He’s hot-tempered and arrogant and stubborn!” “Look who he gets it from,” she said with a grin. He unlinked his hands as he considered that. “Those can be desirable traits,” he agreed with a faint smile. “Anyway, it’s nice to know I won’t die childless,” he said after a minute. He lifted his eyes to her face. “Leta can’t know any of this. When and if the time comes, I’ll tell her.” “Who’s going to tell him?” she ventured. “You?” he suggested. “In your dreams,” she said with a sweet smile. He stuffed his hands back into his pockets. “We’ll cross that bridge when the river comes over it. You’ll be careful, do you hear me? I’ve invested a lot of time and energy into hijacking you for my museum. Don’t take the slightest risk. If you think you’ve been discovered, get out and take Leta with you.” “She’s afraid to fly,” she pointed out. “She won’t get in an airplane unless it’s an emergency.” “Then I’ll come out and stuff her into a car and drive her to the airport and put her on a plane,” he said firmly. She pursed her lips. He was very like Tate. “I guess you would, at that.

Heart disease is the Jeffrey Dahmer of modern ailments. It kills more than 25 percent of us. That’s one person in the United States dying of it every 37 seconds. Expanding fitness just a bit—the equivalent of a person improving their max running speed from five to six miles an hour—reduces the risk of heart disease by 30 percent, according to the American Heart Association. Next is cancer. It kills 22.8 percent of us. The most fit people face a 45 percent lower risk of dying from the disease, according to a study in the Annals of Oncology. Then we have accidents. They take 6.8 percent of us. If a person is in a serious car accident, being in shape drops their chances of dying by 80 percent, according to a study in the Emergency Medical Journal. If the docs have to operate—regardless of whether it’s an emergency or a planned surgery—fitter people also face fewer surgical complications and recover faster than unfit people, say scientists in Brazil.

Annie surveyed the boxes of board games stacked on the table. They had everything from Battleship to Cranium to Settlers of Catan, and even a game called Exploding Kittens. If this was a test, she wanted to pass, but she also didn’t want to risk life and limb, knowing how competitive Darcy and Brendon could get. “How about Scruples?” That sounded low risk. Margot grinned. “I like you.” Darcy shook her head. “We should finish with Scruples. I need more wine before I play that game.” Elle laughed. “Charades first?” “Fine.” Darcy dropped her head back against Elle’s thigh. “But we have to pick new teams.” “Normally Brendon and I partner up,” Margot explained. “It’s not safe to put those two”—she nodded at Darcy and Brendon—“on a team together. They’re ruthless.” “I replaced your coffee table, didn’t I?” Darcy arched a brow. “No harm, no foul.” “Brendon fell through the coffee table. It was scarring.” Margot shivered. “I thought we were going to have to drive him to the emergency room.

FOR A NEW BEGINNING In out-of-the-way places of the heart, Where your thoughts never think to wander, This beginning has been quietly forming, Waiting until you were ready to emerge. For a long time it has watched your desire, Feeling the emptiness growing inside you, Noticing how you willed yourself on, Still unable to leave what you had outgrown. It watched you play with the seduction of safety And the gray promises that sameness whispered, Heard the waves of turmoil rise and relent, Wondered would you always live like this. Then the delight, when your courage kindled, And out you stepped onto new ground, Your eyes young again with energy and dream, A path of plenitude opening before you. Though your destination is not yet clear You can trust the promise of this opening; Unfurl yourself into the grace of beginning That is at one with your life’s desire. Awaken your spirit to adventure; Hold nothing back, learn to find ease in risk; Soon you will be home in a new rhythm, For your soul senses the world that awaits you.

Our work on these cases eventually led to a new law: Forced Marriage Protection Orders were introduced through the Forced Marriage (Civil Protection) Act in 2007. This legislation allows the court to make an order in an emergency, either to prevent a forced marriage or to protect a victim who was leaving one. Women who were at risk of rape, enforced pregnancy and honour-based violence finally had the law on their side. Hundreds of these orders are now issued every year, with one recipient being only five years old.

You were burning in the middle of the worst solar storm our records can remember. (...) Everyone else fled. All your companions and crew left you alone to wrestle with the storm. “You did not blame them. In a moment of crystal insight, you realized that they were cowards beyond mere cowardice: their dependence on their immortality circuits had made it so that they could not even imagine risking their lives. They were all alike in this respect. They did not know they were not brave; they could not even think of dying as possible; how could they think of facing it, unflinching? “You did not flinch. You knew you were going to die; you knew it when the Sophotechs, who are immune to pain and fear, all screamed and failed and vanished. “And you knew, in that moment of approaching death, with all your life laid out like a single image for you to examine in a frozen moment of time, that no one was immortal, not ultimately, not really. The day may be far away, it may be further away than the dying of the sun, or the extinction of the stars, but the day will come when all our noumenal systems fail, our brilliant machines all pass away, and our records of ourselves and memories shall be lost. “If all life is finite, only the grace and virtue with which it is lived matters, not the length. So you decided to stay another moment, and erect magnetic shields, one by one; to discharge interruption masses into the current, to break up the reinforcement patterns in the storm. Not life but honor mattered to you, Helion: so you stayed a moment after that moment, and then another. (...) “You saw the plasma erupting through shield after shield (...) Chaos was attempting to destroy your life’s work, and major sections of the Solar Array were evaporated. Chaos was attempting to destroy your son’s lifework, and since he was aboard that ship, outside the range of any noumenal circuit, it would have destroyed your son as well. “The Array was safe, but you stayed another moment, to try to deflect the stream of particles and shield your son; circuit after circuit failed, and still you stayed, playing the emergency like a raging orchestra. “When the peak of the storm was passed, it was too late for you: you had stayed too long; the flames were coming. But the radio-static cleared long enough for you to have last words with your son, whom you discovered, to your surprise, you loved better than life itself. In your mind, he was the living image of the best thing in you, the ideal you always wanted to achieve. “ ‘Chaos has killed me, son,’ you said. ‘But the victory of unpredictability is hollow. Men imagine, in their pride, that they can predict life’s each event, and govern nature and govern each other with rules of unyielding iron. Not so. There will always be men like you, my son, who will do the things no one else predicts or can control. I tried to tame the sun and failed; no one knows what is at its fiery heart; but you will tame a thousand suns, and spread mankind so wide in space that no one single chance, no flux of chaos, no unexpected misfortune, will ever have power enough to harm us all. For men to be civilized, they must be unlike each other, so that when chaos comes to claim them, no two will use what strategy the other does, and thus, even in the middle of blind chaos, some men, by sheer blind chance, if nothing else, will conquer. “ ‘The way to conquer the chaos which underlies all the illusionary stable things in life, is to be so free, and tolerant, and so much in love with liberty, that chaos itself becomes our ally; we shall become what no one can foresee; and courage and inventiveness will be the names we call our fearless unpredictability…’ “And you vowed to support Phaethon’s effort, and you died in order that his dream might live.

The rear axle broke and the car spun around, hit an embankment, and flew in the air like a flying saucer. Parts of the body shredded. Thiel, a practicing libertarian, was not wearing a seatbelt, but he emerged unscathed. He was able to hitch a ride up to the Sequoia offices. Musk, also unhurt, stayed behind for a half-hour to have his car towed away, then joined the meeting without telling Harris what had happened. Later, Musk was able to laugh and say, “At least it showed Peter I was unafraid of risks.” Says Thiel, “Yeah, I realized he was a bit crazy.

Engineers speak of a “control loop,” in which the “man in the loop” is the problematical element. This is the human component in a series of sequentially interacting pieces of equipment that control or adjust a function. But when the pilot is suddenly and unexpectedly brought into the control loop (in other words, participates in decision making) as a result of (inevitable) equipment failure, he is disoriented. Long periods of passive monitoring make one unprepared to act in emergencies. The sudden appearance of several alarms, all there for safety reasons, leads to disorientation.

To accomplish this herculean feat, governmental bodies captured the legal power to intrude on human affairs in the hope of fixing man’s flawed nature, as though mankind were destined to live on a sterilized Planet Clorox, a land where everything could be made not only perfectly clean but free of risks. Governmental power was bulked up to launch a toxic blend of utopian and draconian measures to outlaw poverty, inequality, and injustice—supposedly. This socioeconomic jihad against liberty emerged after adherents of state-enhanced liberalism revised their ideological arsenal to include ‘positive rights.

Addiction to internet pornography is a very real phenomenon with a very real impact on well-being. It is a phenomenon which has grown exponentially in the last decade, even though it has remained largely invisible and undetected by society. Tragically, its risks continue to be ignored or actively denied by all but a few enlightened medical professionals. It is a phenomenon that is not just here to stay, but also likely to increase. It is almost certainly the cause of the widespread sexual dysfunction found in recent studies of late adolescence.[1] It is a problem that is most likely impacting you, or your loved ones, without you even being aware of it.

Instead Avi insisted they risk their lives by defying the Nazi curfew to get to a top-secret “emergency” meeting with Maurice Tulek and three other underground cell commanders, none of whom Jacob had ever met. “Gentlemen, thank you for agreeing to meet with me, and especially on such short notice,” Avi began as they huddled in the uninsulated attic of a farmhouse on the outskirts of a town called Herstal. “A few hours ago, I received credible intelligence that the Nazis have moved a total of nineteen trainloads of Jews—mostly women and children, but also men, especially the elderly—out of Belgium to a concentration camp in Poland, a camp known as Auschwitz.

We were beginning to see that the medical profession, at the time still over 90 percent male, had transformed childbirth from a natural event into a surgical operation performed on an unconscious patient in what approximated a sterile environment. Routinely, the woman about to give birth was subjected to an enema, had her pubic hair shaved off, and was placed in the lithotomy position - on her back, with knees up and crotch spread wide open. As the baby began to emerge, the obstetrician performed an episiotomy, a surgical enlargement of the vaginal opening, which had to be stitched back together after birth. Each of these procedures came with a medical rationale: The enema was to prevent contamination with feces; the pubic hair was shaved because it might be unclean; the episiotomy was meant to ease the baby's exit. But each of these was also painful, both physically and otherwise, and some came with their own risks, Shaving produces small cuts and abrasions that are open to infection; episiotomy scars heal m ore slowly than natural tears and can make it difficult for the woman to walk or relieve herself for weeks afterward. The lithotomy position may be more congenial for the physician than kneeling before a sitting woman, but it impedes the baby's process through the birth canal and can lead to tailbone injuries in the mother.

A young woman faces the decision of whether to marry a certain man whom she loves but who has deeply rooted, traditional ideas concerning marriage, family life, and the roles of men and women in each. A sober assessment of her future tell the woman that each of the two alternatives offers real but contrasting goods. One life offers the possibility of a greater degree of personal independence, the chance to pursue a career, perhaps more risk and adventure, while the other offers the rewards of parenting, stability, and a life together with a man whom, after all, she is in love with. In order to choose in a self-determined mode the woman must realize that the decision she faces involves more than the choice between two particular actions; it is also a choice between two distinct identities. In posing the questions "Who am I? Which of the two lives is really me?" she asks herself not a factual question about her identity but a fundamental practical question about the relative values of distinct and incommensurable goods. The point I take to be implicit in Tugendhat's (and Fichte's) view of the practical subject is that it would be mistaken to suppose that the woman had at her disposal an already established hierarchy of values that she must simply consult in order to decide whether to marry. Rather, her decision, if self-determined, must proceed from a ranking of values that emerges only in the process of reflecting upon the kind of person she wants to be.

(IMRT) has an advantage. The newer, high-dose, conformally directed, external-beam techniques for radiation therapy such as IMRT have been in widespread use for less than ten years; IGRT has been around for an even shorter time. However, some reports of long-term success are now emerging. New studies suggest that at ten years, high radiation doses alone can produce PSA control or cure rates in 93 percent of men with low-risk prostate cancer. What about more aggressive prostate cancer? As we discussed in chapter 9, the best treatment regimen for men with intermediate- and high-risk prostate cancer is still a moving target, but it will likely turn out to be a combination of high-dose radiation and short- or long-term hormonal therapy.

It was this situation that led mathematician Chris Hauert and his colleagues to consider another possibility in an important evolutionary model published in Science in 2002. In Axelrod's study and in most previous theoretical models, individuals were forced to interact with each other. But what if they could choose not to interact? Rather than attempting to cooperate and risking being taken advantage of, a person could fend for herself. In other words, she could sever her connections to others in the network. Hauert called the people who adopt this strategy "loners." Using some beautiful mathematics, Hauert and his colleagues showed that in a world full of loners it is easy for cooperation to evolve because there are no people to take advantage of the cooperators that appear. The loners fend for themselves, and the cooperators form networks with other cooperators. Soon, the cooperators take over the population because they always do better together than the loners. But once the world is full of cooperators, it is very easy for free riders to evolve and enjoy the fruits of cooperation without contributing (like parasites). As the free riders become the dominant type in the population, there is no one left for them to take advantage of; then, the loners once again take over -- because they want nothing to do, as it were, with those bastards. In short, cooperating can emerge because we can do more together than we can apart. But because of the free-rider problem, cooperation is not guaranteed to succeed.

On the other hand, irrational fears are difficult, if not impossible, to quantify. Here’s an example: when 152 people were infected with swine flu in Mexico in 2009, people around the world, prodded by the media’s manufactured hysteria, erupted in fear of an epidemic. We were warned that the threat was everywhere—that everyone was potentially at risk; however, the data showed these fears to be completely unwarranted. Weeks into the “outbreak,” there were around 1,000 reported cases of the virus in 20 countries. The number of fatalities stood at 26—25 in Mexico, and one in the United States (a boy who had just traveled to Texas from Mexico). Yet schools were closed, travel was restricted, emergency rooms were flooded, hundreds of thousands of pigs were killed, hand sanitizer and face masks disappeared from store shelves, and network news stories about swine flu consumed 43% of airtime.9 “There is too much hysteria in the country and so far, there hasn’t been that great a danger,” commented Congressman Ron Paul in response. “It’s overblown, grossly so.”10 He should know. During Paul’s first session in Congress in 1976, a swine flu outbreak led Congress to vote to vaccinate the entire country. (He voted against it.) Twenty-five people died from the vaccination itself, while only one person was killed from the actual virus; hundreds, if not more, contracted Guillain-Barre syndrome, a paralyzing neurological illness, as a result of the vaccine. Nearly 25 percent of the population was vaccinated before the effort was cancelled due to safety concerns.

Heroines of American journalism, writing in publications like The New York Times and The Washington Post, and reporting for major television networks, have all played a similar role of legitimizing America's new imperial project in Afghanistan and Iraq and the Middle East at large, promoting a narrative that violent military incursions are designed to liberate women and deliver better societies. Thus they also underscore their own superior status as white feminists, with their values of rebellion over resilience, risk over caution, and speed over endurance as the ultimate feminist values. Afghan women emerge as no more than prototypes whose wishes always align with what white feminists think they should want, rather than as people with independent political positions and perspectives.

What’s going on there?” THAT’S JUST SOME REAL ESTATE DEALS I’M WORKING ON. “Real estate?” I HAVE A LIFE OUTSIDE OF THIS COMPANY, YOU KNOW. “More than I do,” I said. “Is … that legal? Owning real estate?” YOU MEAN, BECAUSE I’M A CAT? “Well, yes.” I HAVE A TRUST SET UP FOR MY BENEFIT AND A HUMAN LAWYER THAT ACTS AS THE EXECUTOR. I TELL HIM WHAT TO DO, HE DOES IT. “Does he know you’re a cat?” YOU KNOW, IT’S NEVER COME UP. “So, you’re a real estate maven.” I HAVE A DIVERSIFIED PORTFOLIO, Hera wrote. MOSTLY BORING BUT SOME EXCITING PARTS. I DO A LOT OF INVESTING IN EMERGING MARKETS. “Sounds risky.” I’M A CAT, I CAN HANDLE RISK. WORST-CASE SCENARIO IS I LOSE EVERYTHING AND I STILL GET FED AND HAVE A PLACE TO NAP. “That’s … a surprisingly chill way of thinking about things.” SOMETIMES IT’S BETTER NOT TO BE A HUMAN, CHARLIE.

win. I thought the bureaucrats who had overseen the Emergency Rental Assistance program deserved a parade. They had to settle for scattered applause. When the ERA program was sputtering in the unsteady early days, it seemed that everyone was writing and tweeting about it. Later, when the rollout was working, it was ignored. Because journalists and pundits and social influencers did not celebrate the program, ERA garnered few champions in Washington. Elected leaders learned that they could direct serious federal resources to fighting evictions, make a real dent in the problem, and reap little credit for it. So, the Emergency Rental Assistance program became a temporary program, and we returned to normal, to a society where seven eviction filings are issued every minute.[31] Imagine if we had met the results of the ERA program with loud cheers. Imagine if we had taken to social media and gushed over what a difference it had made. Imagine if newspapers had run headlines that read, “Biden Administration Passes Most Important Eviction Prevention Measure in American History.” Imagine if we’d worked together to ensure that the low eviction regime established during the pandemic became the new normal. But we chose to shrug instead. Poor renters in the future will pay for this, as will the Democratic Party, incessantly blamed for having a “messaging problem” when perhaps the matter is that liberals have a despondency problem: fluent in the language of grievance and bumbling in the language of repair. Meaningful, tangible change had arrived, and we couldn’t see it. When we refuse to recognize what works, we risk swallowing the lie that nothing does.

Across Western nations, shell-shocked citizens experienced all the well-worn tactics of rising totalitarianism—mass propaganda and censorship, the orchestrated promotion of terror, the manipulation of science, the suppression of debate, the vilification of dissent, and use of force to prevent protest. Conscientious objectors who resisted these unwanted, experimental, zero-liability medical interventions faced orchestrated gaslighting, marginalization, and scapegoating. American lives and livelihoods were shattered by a bewildering array of draconian diktats imposed without legislative approval or judicial review, risk assessment, or scientific citation. So-called Emergency Orders closed our businesses, schools and churches, made unprecedented intrusions into privacy, and disrupted our most treasured social and family relationships. Citizens the world over were ordered to stay in their homes.

A Safety Travel with Sinclair James International Traveling to somewhere completely foreign to you may be challenging but that is what travelers always look for. It can be a good opportunity to find something new and discover new places, meet new people and try a different culture. However, it can involve a lot of risk as well. You may be surprised to find yourself naked and penniless on the side of the road trying to figure out what you did wrong. These kinds of situations come rarely when you are careful and cautious enough but it is not impossible. Sinclair James International Travel and Tours, your Australian based traveling guide can help you travel safely through the following tips: 1. Pack all Security Items In case of emergencies, you should have all the safety tools and security items with you. Carry a card with your name and number with you and don’t forget to scribble down the numbers of local police station, fire department, list of hospitals and other necessary numbers that you may need. Place them in each compartment and on your pockets. If ever you find yourself being a victim of pick pocketing in Manila, Philippines or being driven around in circles in the streets of Bangkok, Thailand, you will definitely find these numbers very helpful. It is also advisable to put your name and an emergency number in case you are in trouble and may need someone else to call. 2. Protect your Passport Passports nowadays have RFID which can be scanned from a distance. We have heard some complaints from fellow travelers of being victims of scams which involves stealing of information through passports. An RFID blocking case in a wallet may come in handy to prevent hackers from stealing your information. 3. Beware of Taxis When you exit the airport, taxis may all look the same but some of them can be hiding a defective scam to rob tourists during their drive. It is better to ask an official before taking a taxi as many unmarked ones claim that they are legitimate. Also, if the fare isn’t flat rate, be sure you know the possible routes. Some drivers will know better and will take good care of you, but others will take longer routes to increase the fare. If you know your options, you can suggest a different route to avoid paying too much. 4. Be aware of your Rights Laws change from state to state, and certainly from country to country, but ignorance to them will get you nowhere. In fact, in many cases you can get yourself out of trouble by knowing the laws that will affect you. When traveling to other countries, make sure to review the laws and policies that can affect your activities. There are a lot of misconceptions and knowing these could save you a headache. Sinclair James International

The talk then turned to the topic of risk. The dozen or so regulatory agencies that had to approve the flight test did not share Musk’s love of it. The engineers briefed him on all the safety reviews and requirements they had endured. “Getting the license was existentially soul-sucking,” Juncosa said. Shana Diez and Jake McKenzie provided details. “My fucking brain is hurting,” Musk said, holding his head. “I’m trying to figure out how we get humanity to Mars with all this bullshit.” He processed in silence for two minutes, and when he emerged from his trance, he was philosophical. “This is how civilizations decline. They quit taking risks. And when they quit taking risks, their arteries harden. Every year there are more referees and fewer doers.” That’s why America could no longer build things like high-speed rail or rockets that go to the moon. “When you’ve had success for too long, you lose the desire to take risks.

Jesus is no genie in a lamp. All the happy thoughts and positive thinking in the world will not keep life from being life. I've come to believe that, as big risks offer the potential for great reward or great failure, the biggest waves bring the swiftest undertow. As I learned to accept this principle rather than fight it, a deeper understanding of the call to perseverance, which appears so frequently in the Bible, emerged. As I learned to persevere, something mysterious began to happen: the more difficult things became, the deeper I looked at myself, sought God's guidance, and let go. It is like the scripture that reads, "And not only this, but we also exult in our tribulations, knowing that tribulation brings about perseverance; and perseverance, proven character; and proven character, hope; and hope does not disappoint because the love of God has been poured out within our hearts through the Holy Spirit who was given to us.

The research is still in its infancy, as we have seen, but, in early March 2020, Nature Communications published a model study that followed the link all the way from shelf to sickbed in one case: malaria, one of those beneath-the-radar diseases, affecting some 230 million and killing 400,000 per year, the vast majority in rainforest biomes. Deforestation is a boost for the mosquito vectors. More sunlight reaches the soil where the larvae develop; when biodiversity retreats, fewer animals prey on them. Nigeria suffers most from malaria due to deforestation. It is largely caused by the export of timber and cocoa. Such commodities end up in the north: consumers with the greatest malaria footprint are the cocoa-guzzling Dutch and Belgians, Swiss and Germans. 'In this unequal value chain, ecosystem degradation and malaria risk are borne by low-income producers' - or, in plainer terms: the Europeans get the chocolate and the profits, the Africans the mosquitos.

I find it impossible, therefore, to imagine a growing and maturing church or individual Christian doing without the Psalms. And that is why (to be frank) a fair amount of contemporary Christian music has worried me for some time. The last generation in the Western churches has seen an enormous explosion in “Christian music,” with hundreds of new songs written and sung, often with great devotion and energy. That is wonderful; like all new movements, it will no doubt need to shake down and sift out the wheat from the chaff, but one would much rather have all these new signs of life than the sterile repetition of stale traditions. Until very recently, though, the kind of traditions from which this new music has emerged, traditions that think of themselves as “biblical,” after all, would always have included solid doses of psalmody. If that has changed, the sooner it changes back the better, with, of course, all the resources of fresh musical treatments upon which to draw. To worship without using the Psalms is to risk planting seeds that will never take root.

The courtship continued through January 2000, causing Musk to postpone his honeymoon with Justine. Michael Moritz, X.com’s primary investor, arranged a meeting of the two camps in his Sand Hill Road office. Thiel got a ride with Musk in his McLaren. “So, what can this car do?” Thiel asked. “Watch this,” Musk replied, pulling into the fast lane and flooring the accelerator. The rear axle broke and the car spun around, hit an embankment, and flew in the air like a flying saucer. Parts of the body shredded. Thiel, a practicing libertarian, was not wearing a seatbelt, but he emerged unscathed. He was able to hitch a ride up to the Sequoia offices. Musk, also unhurt, stayed behind for a half-hour to have his car towed away, then joined the meeting without telling Harris what had happened. Later, Musk was able to laugh and say, “At least it showed Peter I was unafraid of risks.” Says Thiel, “Yeah, I realized he was a bit crazy.” Musk remained resistant to a merger. Even though both companies had about 200,000 customers signed up to make electronic payments on eBay, he believed that X.com was a more valuable company because it offered a broader array of banking services.

When we risk being open, vulnerable and honest about our struggles and our joys, the fullness of who we are emerges and connects us to one another at a profound, authentic level. Sharing our stories allows us to take the risk of coming out from behind masks that separate us from one another and from ourselves. Experience has taught me that the pattern of hiding behind masks and disconnecting from authentically engaging in life is at the root of some of our greatest struggles in the times in which we live. We are experiencing an epidemic of loneliness rooted in the destructive powers of judgment, shame, blame and guilt. We are experiencing a culture that is numb to some of the deepest travesties of human history as we sooth ourselves with over-consumption of things, addictive substances and repeated mindless patterns. Too often, we are cut off from the roots of meaning at the core of our being as we strive to survive by fulfilling shallow expectations, rather than allowing ourselves to be nourished by the rich of wisdom and the vision of collaboration that is deep within us. Sharing our stories connects us at the deep level of our profound longing for community, creativity, compassion and acceptance.

Reason No. 1. Overcoming the fear of losing money. I have never met anyone who really likes losing money. And in all my years, I have never met a rich person who has never lost money. But I have met a lot of poor people who have never lost a dime. . .investing, that is. The fear of losing money is real. Everyone has it. Even the rich. But it's not fear that is the problem. It's how you handle fear. It's how you handle losing. It's how you handle failure that makes the difference in one's life. That goes for anything in life, not just money. The primary difference between a rich person and a poor person is how they handle that fear. It's OK to be fearful. It's OK to be a coward when it comes to money. You can still be rich. We're all heroes at something and cowards at something else. My friend's wife is an emergency room nurse. When ; she sees blood, she flies into action. When I mention investing, she runs'j away. When I see blood, I don't run. I pass out. My rich dad understood phobias about money. "Some people are terrified of snakes. Some people are terrified about losing money. Both are phobias," he would say. So his solution to the phobia of losing money was this little rhyme: "If you hate risk and worry. . .start early.

A man approached me and asked if he could sit next to me on the dock. I shrugged my shoulders. Apparently, he had been at the bar the night before and was concerned by what he had witnessed. More importantly, this complete stranger took the time to say something. He remarked that I seemed lost. I simply nodded as the tears began to pour down my checks. It was the first time I had cried in many years. He spoke about how our lives are like the boats we could see on the water. That we all need to orient toward a point on the horizon or we will hopelessly drift. He suggested that it was time for me to realize that I was here for a purpose. I listened and felt a tender release of my pain. He continued to speak about finding a balance between risk and safety. Too much risk sets us back. Too much safety and we can’t progress forward. It is remarkable how one courageous conversation can save a life. I never found out who this man by the ocean was and never saw him again. However, he helped me to discover an inner compass that would eventually help me come back to my true north. With time, therapy helped me gain traction and create more stability. Although my path forward wasn’t completely straight and narrow, I slowly began to emerge with greater confidence and hope.

Old Hubert must have had a premonition of his squalid demise. In October he said to me, ‘Forty-two years I’ve had this place. I’d really like to go back home, but I ain’t got the energy since my old girl died. And I can’t sell it the way it is now. But anyway before I hang my hat up I’d be curious to know what’s in that third cellar of mine.’ The third cellar has been walled up by order of the civil defence authorities after the floods of 1910. A double barrier of cemented bricks prevents the rising waters from invading the upper floors when flooding occurs. In the event of storms or blocked drains, the cellar acts as a regulatory overflow. The weather was fine: no risk of drowning or any sudden emergency. There were five of us: Hubert, Gerard the painter, two regulars and myself. Old Marteau, the local builder, was upstairs with his gear, ready to repair the damage. We made a hole. Our exploration took us sixty metres down a laboriously-faced vaulted corridor (it must have been an old thoroughfare). We were wading through a disgusting sludge. At the far end, an impassable barrier of iron bars. The corridor continued beyond it, plunging downwards. In short, it was a kind of drain-trap. That’s all. Nothing else. Disappointed, we retraced our steps. Old Hubert scanned the walls with his electric torch. Look! An opening. No, an alcove, with some wooden object that looks like a black statuette. I pick the thing up: it’s easily removable. I stick it under my arm. I told Hubert, ‘It’s of no interest. . .’ and kept this treasure for myself. I gazed at it for hours on end, in private. So my deductions, my hunches were not mistaken: the Bièvre-Seine confluence was once the site where sorcerers and satanists must surely have gathered. And this kind of primitive magic, which the blacks of Central Africa practise today, was known here several centuries ago. The statuette had miraculously survived the onslaught of time: the well-known virtues of the waters of the Bièvre, so rich in tannin, had protected the wood from rotting, actually hardened, almost fossilized it. The object answered a purpose that was anything but aesthetic. Crudely carved, probably from heart of oak. The legs were slightly set apart, the arms detached from the body. No indication of gender. Four nails set in a triangle were planted in its chest. Two of them, corroded with rust, broke off at the wood’s surface all on their own. There was a spike sunk in each eye. The skull, like a salt cellar, had twenty-four holes in which little tufts of brown hair had been planted, fixed in place with wax, of which there were still some vestiges. I’ve kept quiet about my find. I’m biding my time.

After more than twenty years as a transactional trader and businessman in what I called the “strange profession,” I tried what one calls an academic career. And I have something to report—actually that was the driver behind this idea of antifragility in life and the dichotomy between the natural and the alienation of the unnatural. Commerce is fun, thrilling, lively, and natural; academia as currently professionalized is none of these. And for those who think that academia is “quieter” and an emotionally relaxing transition after the volatile and risk-taking business life, a surprise: when in action, new problems and scares emerge every day to displace and eliminate the previous day’s headaches, resentments, and conflicts. A nail displaces another nail, with astonishing variety. But academics (particularly in social science) seem to distrust each other; they live in petty obsessions, envy, and icy-cold hatreds, with small snubs developing into grudges, fossilized over time in the loneliness of the transaction with a computer screen and the immutability of their environment. Not to mention a level of envy I have almost never seen in business. … My experience is that money and transactions purify relations; ideas and abstract matters like “recognition” and “credit” warp them, creating an atmosphere of perpetual rivalry. I grew to find people greedy for credentials nauseating, repulsive, and untrustworthy.

The erosion of trust in public school systems has had catastrophic consequences, and will take decades to put right. As we’ve seen, attempts to make schools ‘more accountable’ for their test scores leave teachers torn between what psychologist Barry Schwartz calls ‘doing the right thing and doing the required thing’. The right thing is to teach students through personalised, flexible methods, according to their needs, interests and aspirations; the required thing is to ‘turnaround’ test scores, by ‘teaching to the test’ or, worse, ‘gaming’ the system.  Successive US federal administrations have sought to improve school standards through high accountability. The pressure this puts upon schools at risk of closure and teachers – with test scores linked to pay rates – is intense. During 2011/12 a series of allegations emerged of inner-city schools in New York, Washington DC, Atlanta and Philadelphia ‘cheating’ on student test scores in order to hit accountability targets. Undoubtedly a case of fear producing wrong figures. The result of doing the required thing, above the right thing, is what Schwartz describes as a ‘de-moral-ised’ profession. The double tragedy is that, in addition to the pressure put on teachers – 50 percent of new teachers in the US leave the profession within their first five years – there’s growing evidence that the over-reliance on standardised testing fails to improve academic learning anyway.

As we mature we progressively narrow the scope and variety of our lives. Of all the interests we might pursue, we settle on a few. Of all the people with whom we might associate, we select a small number. We become caught in a web of fixed relationships. We develop set ways of doing things. "As the years go by we view our familiar surroundings with less and less freshness of perception. We no longer look with a wakeful, perceiving eye at the faces of people we see every day, nor at any other features of our everyday world. "It is not unusual to find that the major changes in life-a marriage, a move to a new city, a change of jobs, or a national emergency-break the patterns of our lives and reveal to us quite suddenly how much we had been imprisoned by the comfortable web we had woven around ourselves. "One of the reasons why mature people are apt to learn less than young people is that they are willing to risk less. Learning is a risky business, and they do not like failure. In infancy, when the child is learning at a truly phenomenal rate-a rate he or she will never again achieve-he or she is also experiencing a shattering number of failures. Watch him or her. See the innumerable things he or she tries and fails. And see how little the failures discourage him or her. "With each year that passes he or she will be less blithe about failure. By adolescence the willingness of young people to risk failure has diminished greatly. And all too often parents push them further along that road by instilling fear, by punishing failure, or by making success seem too precious.

Despite our attachment to the notion of free will, most of us know that disorders of the brain can trump the best intentions of the mind. This shift in understanding represents progress toward a deeper, more consistent, and more compassionate view of our common humanity—and we should note that this is progress away from religious metaphysics. Few concepts have offered greater scope for human cruelty than the idea of an immortal soul that stands independent of all material influences, ranging from genes to economic systems. Within a religious framework, a belief in free will supports the notion of sin—which seems to justify not only harsh punishment in this life but eternal punishment in the next. And yet, ironically, one of the fears attending our progress in science is that a more complete understanding of ourselves will dehumanize us. Viewing human beings as natural phenomena need not damage our system of criminal justice. If we could incarcerate earthquakes and hurricanes for their crimes, we would build prisons for them as well. We fight emerging epidemics—and even the occasional wild animal—without attributing free will to them. Clearly, we can respond intelligently to the threat posed by dangerous people without lying to ourselves about the ultimate origins of human behavior. We will still need a criminal justice system that attempts to accurately assess guilt and innocence along with the future risks that the guilty pose to society. But the logic of punishing people will come undone—unless we find that punishment is an essential component of deterrence or rehabilitation.

Dr. Lydia Ciarallo in the Department of Pediatrics, Brown University School of Medicine, treated thirty-one asthma patients ages six to eighteen who were deteriorating on conventional treatments. One group was given magnesium sulfate and another group was given saline solution, both intravenously. At fifty minutes the magnesium group had a significantly greater percentage of improvement in lung function, and more magnesium patients than placebo patients were discharged from the emergency department and did not need hospitalization.4 Another study showed a correlation between intracellular magnesium levels and airway spasm. The investigators found that patients who had low cellular magnesium levels had increased bronchial spasm. This finding confirmed not only that magnesium was useful in the treatment of asthma by dilating the bronchial tubes but that lack of magnesium was probably a cause of this condition.5 A team of researchers identified magnesium deficiency as surprisingly common, finding it in 65 percent of an intensive-care population of asthmatics and in 11 percent of an outpatient asthma population. They supported the use of magnesium to help prevent asthma attacks. Magnesium has several antiasthmatic actions. As a calcium antagonist, it relaxes airways and smooth muscles and dilates the lungs. It also reduces airway inflammation, inhibits chemicals that cause spasm, and increases anti-inflammatory substances such as nitric oxide.6 The same study established that a lower dietary magnesium intake was associated with impaired lung function, bronchial hyperreactivity, and an increased risk of wheezing. The study included 2,633 randomly selected adults ages eighteen to seventy. Dietary magnesium intake was calculated by a food frequency questionnaire, and lung function and allergic tendency were evaluated. The investigators concluded that low magnesium intake may be involved in the development of both asthma and chronic obstructive airway disease.

Weaknesses in claims about self-esteem have been evident for a long time. In California in the late 1980s, the state governor set up a special taskforce to examine politician John Vasconcellos’s claim that boosting young people’s self-esteem would prevent a range of societal problems (see chapter 1). One of its briefs was to review the relevant literature and assess whether there was support for this new approach. An author of the resulting report wrote in the introduction that ‘one of the disappointing aspects of every chapter in this volume … is how low the associations between self-esteem and its [presumed] consequences are in research to date.’1 Unfortunately, this early expression of concern was largely ignored. Carol Craig reviews more recent warnings about the self-esteem movement in an online article ‘A short history of self-esteem’, citing the research of five professors of psychology. Craig’s article and related documents are worth reading if you are interested in exploring this issue in depth.2 The following is my summary of her key conclusions about self-esteem:        •   There is no evidence that self-image enhancing techniques, aimed at boosting self-esteem directly, foster improvements in objectively measured ‘performance’.        •   Many people who consider themselves to have high self-esteem tend to grossly overestimate their own abilities, as assessed by objective tests of their performance, and may be insulted and threatened whenever anyone asserts otherwise.        •   Low self-esteem is not a risk factor for educational problems, or problems such as violence, bullying, delinquency, racism, drug-taking or alcohol abuse.        •   Obsession with self-esteem has contributed to an ‘epidemic of depression’ and is undermining the life skills and resilience of young people.        •   Attempts to boost self-esteem are encouraging narcissism and a sense of entitlement.        •   The pursuit of self-esteem has considerable costs and may undermine the wellbeing of both individuals and societies. Some of these findings were brought to wider public attention in an article entitled ‘The trouble with self-esteem’, written by psychologist Lauren Slater, which appeared in The New York Times in 2002.3 Related articles, far too many to mention individually in this book, have emerged, alongside many books in which authors express their concerns about various aspects of the myth of self-esteem.4 There is particular concern about what we are doing to our children.

He ran long at the White House, and arrived late to his next meeting with Hillary Clinton, Jake Sullivan and Frank Ruggiero—their first major strategy session on Taliban talks after the secret meeting with A-Rod. She was waiting in her outer office, a spacious room paneled in white and gilt wood, with tasseled blue and pink curtains and an array of colorfully upholstered chairs and couches. In my time reporting to her later, I only ever saw Clinton take the couch, with guests of honor in the large chair kitty-corner to her. She’d left it open for him that day. “He came rushing in. . . . ” Clinton later said. “And, you know, he was saying ‘oh I’m so sorry, I’m so sorry.’ ” He sat down heavily and shrugged off his coat, rattling off a litany of his latest meetings, including his stop-in at the White House. “That was typical Richard. It was, like, ‘I’m doing a million things and I’m trying to keep all the balls in the air,’ ” she remembered. As he was talking, a “scarlet red” flush went up his face, according to Clinton. He pressed his hands over his eyes, his chest heaving. “Richard, what’s the matter?” Clinton asked. “Something horrible is happening,” he said. A few minutes later, Holbrooke was in an ambulance, strapped to a gurney, headed to nearby George Washington University Hospital, where Clinton had told her own internist to prepare the emergency room. In his typically brash style, he’d demanded that the ambulance take him to the more distant Sibley Memorial Hospital. Clinton overruled him. One of our deputies on the SRAP team, Dan Feldman, rode with him and held his hand. Feldman didn’t have his BlackBerry, so he scrawled notes on a State Department expense form for a dinner at Meiwah Restaurant as Holbrooke dictated messages and a doctor assessed him. The notes are a nonlinear stream of Holbrooke’s indomitable personality, slashed through with medical realities. “Call Eric in Axelrod’s office,” the first read. Nearby: “aortic dissection—type A . . . operation risk @ > 50 percent”—that would be chance of death. A series of messages for people in his life, again interrupted by his deteriorating condition: “S”—Secretary Clinton—“why always together for medical crises?” (The year before, he’d been with Clinton when she fell to the concrete floor of the State Department garage, fracturing her elbow.) “Kids—how much love them + stepkids” . . . “best staff ever” . . . “don’t let him die here” . . . “vascular surgery” . . . “no flow, no feeling legs” . . . “clot” . . . and then, again: “don’t let him die here want to die at home w/ his fam.” The seriousness of the situation fully dawning on him, Holbrooke turned to job succession: “Tell Frank”—Ruggiero—“he’s acting.” And finally: “I love so many people . . . I have a lot left to do . . . my career in public service is over.” Holbrooke cracked wise until they put him under for surgery. “Get me anything you need,” he demanded. “A pig’s heart. Dan’s heart.

Almost no one—not even the police officers who deal with it every day, not even most psychiatrists—publicly connects marijuana and crime. We all know alcohol causes violence, but somehow, we have grown to believe that marijuana does not, that centuries of experience were a myth. As a pediatrician wrote in a 2015 piece for the New York Times in which he argued that marijuana was safer for his teenage children than alcohol: “People who are high are not committing violence.” But they are. Almost unnoticed, the studies have piled up. On murderers in Pittsburgh, on psychiatric patients in Italy, on tourists in Spain, on emergency room patients in Michigan. Most weren’t even designed to look for a connection between marijuana and violence, because no one thought one existed. Yet they found it. In many cases, they have even found marijuana’s tendency to cause violence is greater than that of alcohol. A 2018 study of people with psychosis in Switzerland found that almost half of cannabis users became violent over a three-year period; their risk of violence was four times that of psychotic people who didn’t use. (Alcohol didn’t seem to increase violence in this group at all.) The effect is not confined to people with preexisting psychosis. A 2012 study of 12,000 high school students across the United States showed that those who used cannabis were more than three times as likely to become violent as those who didn’t, surpassing the risk of alcohol use. Even worse, studies of children who have died from abuse and neglect consistently show that the adults responsible for their deaths use marijuana far more frequently than alcohol or other drugs—and far, far more than the general population. Marijuana does not necessarily cause all those crimes, but the link is striking and large. We shouldn’t be surprised. The violence that drinking causes is largely predictable. Alcohol intoxicates. It disinhibits users. It escalates conflict. It turns arguments into fights, fights into assaults, assaults into murders. Marijuana is an intoxicant that can disinhibit users, too. And though it sends many people into a relaxed haze, it also frequently causes paranoia and psychosis. Sometimes those are short-term episodes in healthy people. Sometimes they are months-long spirals in people with schizophrenia or bipolar disorder. And paranoia and psychosis cause violence. The psychiatrists who treated Raina Thaiday spoke of the terror she suffered, and they weren’t exaggerating. Imagine voices no one else can hear screaming at you. Imagine fearing your food is poisoned or aliens have put a chip in your brain. When that terror becomes too much, some people with psychosis snap. But when they break, they don’t escalate in predictable ways. They take hammers to their families. They decide their friends are devils and shoot them. They push strangers in front of trains. The homeless man mumbling about God frightens us because we don’t have to be experts on mental illness and violence to know instinctively that untreated psychosis is dangerous. And finding violence and homicides connected to marijuana is all too easy.

It was the missionaries who became the brave storm troopers of Christianity, slashing their way through jungles, going where no one had gone before. Mission was now reserved for work among the unreached nations and no longer simply happened next door or around the corner. But the churches that had outsourced their missionary activity to the mission societies tended to drift languidly into the role of fund-raiser for the mission societies. This dilemma was seriously exacerbated when, after World War II, a number of parachurch societies, mainly aimed at reaching young people, were formed. These included Youth for Christ, the Navigators, Campus Crusade for Christ, and so on, and were aimed at reaching students and teens right under the noses of existing churches. Once again, mission was outsourced to specialist agencies, leaving the local church focused primarily around pastoral issues and Sunday worship. Not only did this create the great stepchild, the parachurch, it crippled the church’s witness beyond the Sunday gathering. And again, given the significant cultural effect of the postwar baby boom, we understand the historical reasons why such specialization of local mission occurred. But it only deepened the cleft between missionary activity and church activity. Again, long before all this happened, Roland Allen was deeply concerned. We may compare the relation of the societies to the Church with the institution of divorce in relation to marriage. Just as divorce was permitted for the hardness of men’s hearts because they were unable to observe the divine institution of marriage in its original perfection, so the organization of missionary societies was permitted for the hardness of our hearts, because we had lost the power to appreciate and to use the divine organization of the Church in its simplicity for the purpose for which it was first created.[155] In the end Allen himself despondently capitulated to this great divorce, concluding that “the divine perfection of the Church as a missionary society cannot be recovered simply by abolishing the missionary societies, and saying, let the Church be her own missionary society.”[156] Maybe not in 1926, but today there is an increasing unease with this “divorce” between mission and church. Allen was ahead of his time. He forecast the situation we now find ourselves in—with missionless churches and churchless missions, and neither one being all it should be. We contend that the whole missional church conversation was one that the church has been building toward for over a century. And now is the time to have it. A new generation of young Christians is desperate for the adventure of mission. They were raised in the hermetically sealed environment of missionless church, and those who have emerged with their faith still intact are hungry for the risk and ordeal that only true missional activity can offer.

Sometimes unhappy people were like that. It was easier to remain locked in their fortress of discontent rather than risk the pain associated with emerging into the light of day.

For example, in 2015, Payal Kadakia, the founder of ClassPass (a monthly subscription service for fitness classes) decided that she needed to double the size of her staff in just three months so that ClassPass would be able expand into more cities. To achieve this kind of speed, Kadakia and her team abandoned traditional hiring processes and followed two simple rules. First, they hired people from their personal networks, with an emphasis on “branded” talent. For example, if an employee had a friend, and that friend worked for the management consulting firm Bain & Company, that friend got hired because ClassPass could assume that the person was smart and would get along with people. Second, some of the time saved by not interviewing for skills allowed the team to interview for alignment with the company’s mission. Crazy? Perhaps. But ClassPass was in a crowded, emerging market, and being able to hire faster than the competition helped it maintain and increase its leadership position. Blitzscaling also requires a strong focus on risk management. While blitzscaling requires risk taking, it doesn’t require unnecessary risk taking. Indeed, the higher level of risk associated with blitzscaling makes risk management even more valuable and important. As Yahoo! cofounder Jerry Yang told us in an interview for Reid’s Masters of Scale podcast, “All bold strategies have a risk. If you don’t see it, you’re flying risk-blind.

Chapter 3 What to Do with Money as You Save It Chapters 1 and 2 should have helped you understand the theory behind frugality and develop a practical plan to live on less than half your take-home pay; all in the context of building up your first $25,000. After reading those two chapters, you should understand what you need to do to put yourself in position to save thousands of dollars per month on a middle class income. Now, it’s time to deploy those savings in such a way as to develop your first year of financial runway. Your goal is stockpile a reserve capable of funding your frugal lifestyle for around a full year. Unlike many Americans who struggle to make ends meet, you now face a new problem. A good problem. You now have to decide how to deploy your rapidly expanding savings so that they extend your financial runway as much as possible. There are three initial steps that should be completed, in order, for the seeker of early financial freedom to build up that one-year stockpile. These three steps are (1) to build up an emergency fund of $1000 to $2000; (2) to pay off all “bad debts” (we define this term below) and build strong credit; and then (3) to build up one year of financial runway in the form of cash or equivalents By completing these three steps, readers will set themselves up for the next phase of wealth generation, discussed in part II. They will have the cash and credit they need to buy a home with ease, and will have the financial runway they need to pursue career opportunities with little risk of financial ruin. Central to the discussion in this chapter will be the concepts of debt—both good and bad debt—and credit. We must pay off our bad debts immediately, and treat them as a financial crisis. Good debts can still delay financial freedom, but may not need to be paid off early if money can be put to higher and better use in the meantime. While paying off bad debts and managing other debts, readers will want to focus on improving their credit scores as much as possible, and increase their access to credit.

By contrast, in a liquidity crisis only one creditor can save the debtor: the government. There is no competitive market that offers emergency loans during a liquidity crisis. This means that the government can dictate terms. It can also neglect the interests of other stakeholders or discriminate among them for political reasons. The risk of abuse is far higher than it is in a normal bankruptcy.

I believe the answer is the same across the full range of government’s risk-control responsibilities, whether the harms to be controlled are criminal victimization, pollution, corruption, fraud, tax evasion, terrorism, or other potential and actual harms. The definition of success in risk control or harm reduction is to spot emerging problems early and then suppress them before they do much harm.7 This is a very different idea from “allow problems to grow so hopelessly out of control that we can then get serious, all of a sudden, and produce substantial reductions year after year after year.

What do citizens expect of government agencies entrusted with crime control, risk control, or other harm reduction duties? The public does not expect that governments will be able to prevent all crimes or contain all harms. But they do expect government agencies to provide the best protection possible, and at a reasonable price, by being:           Vigilant, so they can spot emerging threats early, pick up on precursors and warning signs, use their imaginations to work out what could happen, use their intelligence systems to discover what others are planning, and do all this before much harm is done.           Nimble, flexible enough to organize themselves quickly and appropriately around each emerging crime pattern rather than being locked into routines and processes designed for traditional issues.           Skillful, masters of the entire intervention tool kit, experienced (as craftsmen) in picking the best tools for each task, and adept at inventing new approaches when existing methods turn out to be irrelevant or insufficient to suppress an emerging threat.8 Real success in crime control—spotting emerging crime problems early and suppressing them before they do much harm—would not produce substantial year-to-year reductions in crime figures, because genuine and substantial reductions are available only when crime problems have first grown out of control. Neither would best practices produce enormous numbers of arrests, coercive interventions, or any other specific activity, because skill demands economy in the use of force and financial resources and rests on artful and well-tailored responses rather than extensive and costly campaigns. Ironically, therefore, the two classes of metrics that still seem to wield the most influence in many departments—crime reduction and enforcement productivity—would utterly fail to reflect the very best performance in crime control. Further, we must take seriously the fact that other important duties of the police will never be captured through crime statistics or in measures of enforcement output. As NYPD Assistant Commissioner Ronald J. Wilhelmy wrote in a November 2013 internal NYPD strategy document:

When the Furies were released in the Middle East, an evil emerged beyond my worst imaginings. The joy of the Middle East has been replaced by fear, pervasive in Iraq and Syria and darkening the lives of people throughout the region. This is why refugees have been flowing out of the Middle East by the millions for Europe. If President Bush’s seeds of democracy or the Arab Spring had bloomed, these families wouldn’t be risking everything to leave. Many in the region have simply lost all hope, which is understandable. If you lived in Libya after the fall of Gadhafi, you’d be terrified. You can’t work, you can’t sell your goods, your children can’t go to school, you can’t even drive around without fear of being kidnapped by bandits or terrorists. It’s not a place where people can be happy and even marginally prosperous. It’s pure chaos. It’s worse in Iraq and Syria.

It was clear that only a handful of banks would emerge as winners in our changing, consolidating industry. And the winners likely would be those whose employees could take risks and innovate, who could work smoothly on teams and motivate colleagues, and who could not only cope with change but also spur change. In short, leadership would separate the winners from the losers.

A leader’s checklist for planning should include the following: • Analyze the mission. —Understand higher headquarters’ mission, Commander’s Intent, and endstate (the goal). —Identify and state your own Commander’s Intent and endstate for the specific mission. • Identify personnel, assets, resources, and time available. • Decentralize the planning process. —Empower key leaders within the team to analyze possible courses of action. • Determine a specific course of action. —Lean toward selecting the simplest course of action. —Focus efforts on the best course of action. • Empower key leaders to develop the plan for the selected course of action. • Plan for likely contingencies through each phase of the operation. • Mitigate risks that can be controlled as much as possible. • Delegate portions of the plan and brief to key junior leaders. —Stand back and be the tactical genius. • Continually check and question the plan against emerging information to ensure it still fits the situation. • Brief the plan to all participants and supporting assets. —Emphasize Commander’s Intent. —Ask questions and engage in discussion and interaction with the team to ensure they understand. • Conduct post-operational debrief after execution. —Analyze lessons learned and implement them in future planning.

Here’s the painful pattern that emerged from my research with men: We ask them to be vulnerable, we beg them to let us in, and we plead with them to tell us when they’re afraid, but the truth is that most women can’t stomach it. In those moments when real vulnerability happens in men, most of us recoil with fear and that fear manifests as everything from disappointment to disgust. And men are very smart. They know the risks, and they see the look in our eyes when we’re thinking, C’mon! Pull it together. Man up. As Joe Reynolds, one of my mentors and the dean at our church, once told me during a conversation about men, shame, and vulnerability, “Men know what women really want. They want us to pretend to be vulnerable. We get really good at pretending.” Covert

Before continuing further, it is important to gain an understanding of how democracy is perceived by the ordinary people of the Middle East. Democracy, as a secular entity, is unlikely t be favorably received by the vast majority of Middle Easterners who are devout followers of the Islamic faith. Traditionally, there is tension among the Muslim countries with respect to the establishment of a democratic form of government. On the one hand, there are those who believe that democratic rule can co-exist with the religious nature of the Middle Easter societies; however, on the other hand there are those who believe that the tribal structure of the Middle Eastern countries may not be suitable for democratic rule as too many factions will emerge. The result will be a "fractured" society that cannot effectively unite and there is also the risk that this could impact the cohesion produced by the Muslim faith. Although concerns exist, for the most part, the spirit of democracy, or self rule, is viewed as a positive endeavor so long as it builds up the country and sustains the religious base versus devaluing religion and creating instability. Creating this balance will be the challenge as most Western democracies have attempted to maintain a separation of church and state. What this suggests is that as democracy grows in the Middle East, it is not necessarily going to evolve upon a Western template—it will have its own shape or form coupled with stronger religious ties.

So what counts as a ‘commercial insight’? Some examples include: BEST PRACTICES: Customers often want to know about best practices from other regions. For instance, being able to explain to an Australian-based buyer that businesses in the US or UK are solving a similar problem with a new solution that is deemed to be the current best practice is often highly valued, as it could provide a newer (or better) solution than the one the buyer had previously considered. EMERGING TRENDS: Being able to share the latest trends concerning your sector can empower buyers to make educated decisions about investments, particularly when it comes to the longevity of different solutions or how developments in adjacent industries could disrupt the business. INVESTMENT RISK: In mature markets, business buyers often become very risk averse as they don’t want to be held responsible for having a negative impact on growth numbers. Many sales people steer clear of talking about risk with their customers, because they worry about turning a buyer off making a purchase decision. However, while highlighting a risk to your customer could mean that you lose a sale, putting the customer’s best interests ahead of your own will ultimately position you as a trusted adviser. Additionally, because many sales people take the opposite approach – they sell the customer on the value while carefully avoiding any mention of the possible downside, only for the risk to raise its ugly head after the purchase – this helps you stand out as a person of integrity in a field where integrity is seen to be lacking. CASE STUDIES: Unique customer case studies and stories not only build your credibility and the credibility of your offering, they help develop a rapport between you and your customer. In the same way that comedians curate a long list of jokes, anecdotes and stories that they can roll out at any given moment, you should also become the curator of unique stories and case studies that your customers value because they can’t easily find these on Google.

Learn before you earn, take risks, and run for what you want most." - Adam Messina

Drew Faust, Harvard University’s president and a historian, said: “When we define higher education’s role principally as driving economic development and solving society’s most urgent problems, we risk losing sight of broader questions, of the kinds of inquiry that enable the critical stance, that build the humane perspective, that foster the restless skepticism and unbounded curiosity from which our profoundest understandings so often emerge.

Urbanization and the emergence of a socially conscious middle and working class also challenged the political monopoly of landed aristocracies. So with the spread of the Industrial Revolution the aristocracies weren’t just the economic losers; they also risked becoming political losers, losing their hold on political power. With their economic and political power under threat, these elites often formed a formidable opposition against industrialization. Many organized against it, rioting and destroying the machines they saw as responsible for the decline of their livelihood. They were the Luddites, a word that has today become synonymous with resistance to technological change.

If a patient arrives via ambulance and is seriously injured or really sick or has a heart attack, a doctor checks him out and sends him to the nearest real emergency department connected to a hospital with facilities like operating rooms and a cardiac laboratory. Aside from the risk of delays in treatment, the sequence results in bills for two separate high-level ER visits and a charge for emergency transport.

An early incarnation of the metaverse can already be seen in gaming, one of the most (if not the most) immersive digital industries in the world, so if you're into video games, the whole concept may not be entirely new to you. Fitness is another industry where both VR and AR have been used quite heavily in recent years, so it would not be surprising that the foundations of the metaverse could emerge from these industries. Moreover, applications of VR/AR have been massively democratized recently. But let's not kid ourselves: this journey will go on for decades. First of all, the metaverse needs some infrastructures that not only do not exist today, but the whole Internet landscape has not been originally created to support such a revolutionary platform. Moreover, we will need standards and protocols (possibly from day one) exactly as we have for the Internet today, and -because of the complexity of the metaverse- this could take years. Not to mention the privacy and regulation concerns that building the metaverse can trigger. At this stage, therefore, any prediction on how the metaverse will look won't be much more than pure speculation, and the risk that the "hype" turns into "a bubble" is quite tangible.