Four possibilities can cause a collapse in the world's economy.

1) The housing market crisis is brewing again.

Payment difficulties for those who have taken out jumbo loans have increased in the USA. And those kinds of loans are taken for housing. So those people are bought homes, but then they cannot pay their loans back to the bank. That thing causes problems. 

Because even if those homes are foreclosed for banks. That thing doesn't mean that the bank ever gets its money back. Banks must sell those apartments. That there is even a possibility to get the money back. And if nobody offers enough the rest of the loan turns to bad debt. If there is enough bad debt that can cause bankruptcy for banks. That causes bank crises. And the trust in markets is gone.

When that loss of trust in economics happens in a large- worldwide economic area or area that has a big influence on the world's economy, it can cause the situation. That this area pulls the entire world into an economic downturn with it. The fact is that a financial boom and an economic upturn cannot continue forever. There is always an economic downturn after the economic upturn. 

The housing market crisis is one of the things that cause problems for the economy. The problem is not that the housing flats are not produced, or they are not produced enough. The problem is where to get money for funding that thing? If there are lots of housing squares the price of those housing squares is decreasing like in all other forms of inflation. One of the reasons for the housing market crisis is that when people are made money in the town they want to move to own house. 

And the thing that makes this thing problematic is that when those people's children are getting cheap land area they are not willing even to move to towns. That leaves the apartment buildings empty. When only a few people are living in some apartment buildings that rises the costs for single people. 

When some people are buying a new flat there is the possibility that they cannot sell their old flats. And that causes problems in the financial business. If people cannot pay their loans that thing turns into bad debt and falls to the state. The thing is this. The problem with housing squares is that no one wants to pay those housing squares. If government produces the flats for the people and pays for those flats that will not bring any money to the state. 

2) Domino effect of the raw material. 

When the need for raw materials is rising that means the production cannot fill the hole. So the raw materials must produce in new areas. And some of those areas are politically unstable. The thing that makes producing raw materials complicated is that people would not accept things like slave work. Also, things like guerilla movements are controlling some raw material sources. 

And that thing causes also political problems. Buyer of those raw materials acts as a supporter of terrorism. But the fact is that things like lanthanides that are important in high-tech products are not very common. The resources of Earth are not endless. That's why decreasing Earth's resources can cause a collapse of the economy. And the race for decreasing natural resources and food is causing conflicts. When one raw material is ending that thing causes a chain reaction, because some of those extraordinary metals are needed to produce other metals. 

3) Death spiral of Euro-area. 

When demand is falling that brings pressure to raise prices. The reason for that is that entrepreneurs must replace the lack of the incoming money that they can pay for their expenses like raw materials and business premises. The problem with that is that can cause a situation where the customer's loss increases. 

The death spiral means an effect where lack of customers is causing the rise in the prices. Then that will cause a chain reaction where the new prices are banishing more customers. Sooner or later the price of the product rises so high, that nobody buys it anymore. And they are starting to look for alternative solutions. 

4) China's expanding problems.

China is one of the biggest marketing environments in the world. But the major problem of that nation is that the regular people have no money to buy things like mobile telephones. The fact is this. Even if China is a big economical area that area is not endless. There is always a limit when people will not buy things like tablets and mobile telephones anymore. And when the demands in that area end, China is lost. That thing affects the entire world and its economy. 

The biggest problem with China is that it's not an open nation. There is hard to get confirmed information about the economic situation in that country. And the second problem is that the Chinese authoritarian government makes people afraid that something happens to them. The authoritarian and corrupted authorities are the thing that can cause many problems for people who are visiting those countries. 

Another problem with production in China is that people are awakening about the freedoms and merchandise products in the country, which is very authoritarian and is negative marketing for those products. And another thing is national security. 

The aggressive willingness to expand its territorial waters, especially in the South China Sea causes other governments to want to limit the production of mobile devices in China because the Chinese military can get benefit from those products. 

Because only a couple of words against the government cause arrest there is always the possibility that somebody has written something on social media in the name of the person who visits China. And that thing causes problems. Also, there is the possibility that the investors are losing their investments. Because authorities seized that money. 

But also things like the possibility that the government's attitude to companies is turning negative. The fact is that those governments like large-scale companies. And they don't support micro-entrepreneurs. That kind of thing means that China is not a very promising operational area for start-up companies that have no relationships with authorities. 

Climate changing and intelligent technology

Climate changing and intelligent technology

Intelligent technology can offer opportunities for slowing or even stopping climate chancing. If we are thinking cases, where factory halls would have an intelligent system, what follows temperature, it can adjust the level of use of the outcoming heat, because when machines are working the temperature in the hall will increase, what means that the need of outcoming temperature is decreasing, and also the temperature, what comes from welding can take to benefit the warking.

In this case, the system would use the curved tube, which takes the exhaust gas away, that it would release the heat to the air. And why not in the offices, where computers are making very high-level heat, and the room would turn hot, the intelligent system cannot turn the radiators lower, because the needed heat would come to another place.

When we are thinking about the normal dummy thermostat, it would observe only the temperature of the radiator, but the intelligent system would follow the temperature in the air, and adjust the radiators what should flex if the temperature would be too high. When we are thinking about the factory halls, where the machines would create very high temperature, that temperature can be used to warm also offices, and that would decrease the need for the specially created warm.

But if we want to be even more ecologic, we could use many systems, which are good for creating ecological energy, and one is that the farmers can collect the waste to the chamber, where the methane, what is forming in that reaction can be taken to fuel for the own fuel cell. And the exhaust gasses of fuel cells would be driven through the active carbon filter. That means that pollution can decrease by this method very radically.

When we are thinking about the energy sources of the future, we must realize that the creation of a successful fusion reactor would be late. And if entire Europe would be addicted by one power system and one reactor, we must understand that only the minimum problem in that system can turn lights off from entire Europe. And this is why we should rather look for the other types of solutions than the one very powerful electric platform.

If we would use multiple small-size solutions the problem in one electric power unit would not cause the cutting off from the entire network. So if we want to make an ecological and faithful electric network, we should use multiple and small size solutions, which guarantees the power supply in the cases, where the one power unit cannot do its mission.

If we want to use solar power or thermal ground energy, we can benefit from those stable energy sources for creating electricity, but both of those systems can be made for creating hydrogen. And if the solar panel is above the cloud layer, it gives stable energy, and the water molecules are really easy to break to hydrogen and oxygen by using electrolysis. The hydrogen can deliver to the marketing area by using the existing natural gas tubes. But if we are thinking that the creation of hydrogen must happen somewhere near the equator, we are wrong.

Hydrogen can also create by using geothermal energy, and the hydrogen would be a good export article for states like Iceland, where is cheap to make geothermal electricity production units. But it can also be created in the northern areas by using wind and solar power, and that hydrogen can be stored for waiting for winter, where it can be used in the cases, where energy must be produced for fixing the cases, where the need of energy supply is extremely high. Hydrogen is a very good fuel for turbines, it's clean and there is no soot when hydrogen is burning. And the only waste, what that hydrogen creates in the burning process is water. So what if we would create hydrogen ourselves in the northern areas?

In the summers we can use solar panels for creating electricity, and that power can use in the electric network, but it can also be stored in the form of the hydrogen, which is created from water by using the electrolysis. Liquid hydrogen can be stored in the tanks, where is thermos layer. That gas can be used in normal gas turbines, which means that it would minimize the pollution.

Why we are so addicted to oil?

Why we are so addicted to oil?

Oil is one of the most interesting products in the world. It is one of the so-called strategic materials and the most important source of fuel in the world if we are thinking about the traffic and other cases, where is needed a compact power source. And the reason, why people are so addicted to that thing is a mystery. Why humans are invested in this fuel, even if they know that it would pollute water?

If we think that the cars would operate by using natural gas, it would be a more suitable fuel than oil, because if the tank of the gas-engined car would be broken, that thing causes pollution, and the water is turning to unable to use in cleaning or other kinds of purposes. But the problem with the oil is well known, and here I must say, that the main role in the Middle-East crises is causing because of oil. And that means that oil is also giving power to governments, which are hating the western world.

The oil weapon, which means increasing the price of petroleum product prices happened in the 1970s when the price of the oil Barrell was a rise, and that caused the rise of the oil products, and that thing was a very bad thing for American car industries. In that place were believed the big engines. The future seemed to belong to the small engined, economic cars, which were manufactured by European and Japanese car factories.

And because the space of the car was ended, the advantage along with new environmental thinking caused that the cars turned hybrid. That means the pollution of automobiles wanted to decrease. When we are thinking the reason, why the car industry is starting to think ecological ways to drive, is that many people have left private driving in the work trips and if the common transportation would turn more and more common, that means problems for the oil industry.

That industrial sectors have problems with a new type of publicity, and the thing is that riot police and military forces are not seem very nice on the Internet. That kind of thing like dictatorial governments and supporting the jihadists have caused the problems for selling the oil products.

That means the drilling oil from the nations, what is assumed the "political Islam" as their official law and line to work is sometimes translated as the political support for Islamists. Also, this kind of thing is causing problems with Russia, and the problem is that oil and natural gas are a very good way to blackmail other countries, which means that if the decisions of some customer don't please the deliverer of the gas or oil, that means that the gas tube would face the "political repairment".

That means that the gas ventilates would be closed if the decisions are against the national benefit of the deliverer of the fuel. So why we are using petroleum? The answer is that it has always used as fuel, even ethanol is more useful in automobiles because it can be produced from natural sources.

That thing makes it more effective fuel than oil but in these cases, the taxes would not be paid, and the government would be left without money if people would produce that fuel themselves. But the truth is that ethanol is not answered for the carbon dioxide pollution, and the only hydrogen would be used as fuel, what doesn't involve carbon, what forms the carbon dioxide while it burns.

The thing in modern ICT-technology is trust

The thing in modern ICT-technology is trust

In the modern world, highly effective computing has one thing, which makes modern life very interesting and dangerous. The thing is even if we have more effective and powerful data networks, there is also very much data in that network. The problem is how to pick one certain bite of bytes from the ocean of the bits.

There are more bits on the internet, that there are atoms in real oceans, and the systems must find out harmful bits from that mass of bits. And that is a hard thing even to the fastest and most powerful computers in the world. The sharpness is the key element in computing, and that is the reason, why we are using computers and networks.

In real life, those machines are comparing things a bit to bit, and one changed bit in the image can be noticed by using computers. This thing is important if we want to find malware from the net. But there are many other problems with that kind of things. When the antivirus software is searching malware from the net, another thing like phishing and delivering fake information is becoming a more popular way to use the internet as criminal purposes.

The key element is to understand that there could be many ways to deliver hoax information. And the normal virus detectors cannot separate hoax information from real information. But if we would want to create artificial intelligence, what mission is to detect hoax information from the internet. One thing what that kind of program can do is try to detect the codes, what are written the programs like photoshop, and if that code is connected to the photograph, which is introducing some "real" camera image, that system can tell that thing to the user.

One of the most effective methods to deliver that kind of manipulated information is just bringing the SD-card, what is claimed to found from the camera of the dead journalist and fill that thing with photoshopped images, what is proving that the bandits are shooting innocent civilians. That thing would have a great influence on the acts, what people are thinking about some civil disorders. The thing is delivering fake news is very easy, if somebody would give material, what to use in that kind of actions. Making the homepages, what are delivering hoax information is as difficult as normal homepages.

The virus scanners would not detect hoax information if they are just searching for malicious code. And that's why there would be a very important thing to create artificial intelligence, what might find out the hoax information from the homepages. That system can detect the registration plates and other things like texts, what is also in images, and find out if the language or selection of words seems something strange. But the thing is that artificial intelligence ever replaces human.

People should concern if some governmental newspaper is delivering the hoax information or the propagandist writings would be published as news. That kind of thing tells that there is something, what somebody wants to hide. If somebody would manipulate information, there must be some reason for that. Information manipulation is a very bad thing for everybody.

Modern digital business environment

Modern digital business environment

Networks and revolution of technology are not a new thing, but the thing is that those things are now happening in the many times during the generation. ICT and digitalization are becoming a more and more important part in the business and governmental actions, and today we can be connected to the people more effectively than we ever thought before.

The lightweight, mobile systems allow people to be connected on the Internet all the times, and that makes new kind of threats and opportunities for business and another kind of things. The key role in digital business is similar to normal or traditional business is in the networks.

And the value of networks is that those things are giving information for the people very fast. And when we are thinking about the case, that we would want to give an offer to some company, the most important thing is to let those people read our offer. The things, that the people who are buying services and select subcontractors would have contact with the offer maker because large and well-known companies get offers all the time. So why the person, who selects the subcontractors or contractors would read our offer?

This is the most difficult thing. When we are thinking the digital business and management of that kind of things, we must remember, that if we want to create trust with those actors we must give something, what might interest those actors. So the biggest difference between traditional and digital business is the speed, how the data would travel between companies. And when we are sending emails, we must remember, that those people, who are getting those emails would get probably hundreds of emails every day.

The thing is that we must realize that information security has a strong role in that kind of marketing and other business. We must secure our working environment and our network against hostile operators. In the network of business and private life, the rumors and false information is delivering very fast. And that's the thing, why we must be careful while working in the high-speed and hectic network. And the thing is that we must choose data, what we want to share. Fact is that we should tell people something about ourselves and our role in working.

But we must not uncover things, what might risk the security of the company or other people. The thing that somebody doesn't have a social media account is suspicious. That means that we must uncover something, and remember that relationships in private life would be a good gate to the inner circle of ourselves or somebody else.

If some person would get access to the wrong mailbox, that thing would cause the catastrophe in the relationship between the offerer and receiver. Or what would you think, if the first offer, what you get from some actor is some kind of joke? In the modern world, the thing is that we would not use one kind of software anymore for communication.

Social media applications might be used together, and even the person would not tell if they have a social media relationship with some person, who would send the offer of services. This is the thing, why we must be careful in this kind of things. If we would screw up in our private life, those things can be used against us. The thing is that people are not always telling their actual position of themselves. And that kind of things is dangerous because if we use strong criticism of some things, we might face that the target of our criticism is sitting at the front of us.

And the people, who are analyzing attitudes and data, what somebody shares might have multiple backgrounds, what means those teams are connecting their training. Those things are extremely important when services are offered to children.

The thing what makes a person suspicious is that that person accepts only similar people, what that person is to mate in social media. That tells that there is something wrong if the person would accept only the owners of the motorbike to the social network. Those people who make analyzes have psychological and another kind of training.  Their mission is to find out dangerous people from the network.

Thoughts about the future and things, what are delicate for some people.

Thoughts about the future and things, what are delicate for some people. 

The thing about technical advancements of civilization is a very interesting object for thinking. When we are thinking about the technical solutions and biotechnology, we are facing one very interesting confrontation or paradox in those cases. The future of the human race would seem very nice, without our actions, what are risking the existence of the entire nature and our species.

Sometimes I have seen cases or arguments, where genetic and biological manipulation are prohibited because God has created us. Or that seems a very good argument for the new laws. This thing is interesting because some of those people are denying the existence of the god. There is some kind of contradiction, if the same person pleads for something, what does not exist.

Some people want to prohibit genetic engineering of human beings because that thing fights against the natural selection of some religious point of view. But there is one thing, what we must realize, and that is those people would probably not have things like cancer or AIDS, and that would make them real militant in the cases, where scientists are creating changes in our genomes.

When we are thinking about natural objects like small asteroids, which can cause very big destructions on the Earth, if they hit to the ground, there are people, who are denying the use of rockets or missiles against those targets. Those people have very good arguments for that solution, where the people just sit on the chair and let things happen because the asteroid is naturally created threat. That means  10 to 40 meters size stone can cause very big destruction if it hits on Earth.

That kind of stones can easily be destroyed or cut in smaller bites by using missiles. The thing is that those asteroids are one of the biggest threat for the human being and the possibility that those bites attack to Edinburgh is same class, what the hit to the same size area everywhere on the Earth is. The thing is that asteroids are natural objects, which are dead. 

This kind of things interesting, because at the same time people are risking their entire living environment. When we are thinking about the growing city-areas, we must face one very interesting thing, and that is that fast-growing cities are bringing natural animals near the human the way, what we have not seen ever before. This kind of things is called environmental angst.

But if we are thinking about the environment, we must realize, that we must not protect every stone, which can be found in the Universe.  When we are talking about the survivability of the human race, we should not set some bacteria ahead us, this is the thing, what we must realize.

Someday in the future, we would face the thing, that the genetic alteration of DNA is used, and that would cause very interesting visions of the humanity of tomorrow. The thing is that evolution is continuing in the human race as it has been happening before, and at last, a human would turn to another species if some kind of nuclear warfare or meteorite would destroy our entire planet.

About biomanipulation and fastened evolution

About biomanipulation and fastened evolution

In the normal natural environment takes thousands of years to establish some level of evolution. But in the laboratories, we can create the advancing of the genomes, which normally takes generations in minutes. That means that we can use artificial fertilization for making the artificial embryos, and then take the DNA out from those embryos, cut it in two pieces, connect the side of another DNA, and put it in the cells, or use some other methods to connect those DNA bites together.

That thing allows creating the advancing what takes generations in nature in minutes at laboratory conditions. This kind of things is problematic in the point of view of morals and ethics because that kind of things is unknown for science. Genetics and genetic engineering allow us to create an organism, what is unknown to the world. The things in genetic engineering are a little bit different than if we would create machines. 

If we would create something, what we might call as the superhumans, we must ask one question: should we tell that thing to that inmate. Or should we keep that thing hidden from that person self, and hope that inmate really understands the skills and abilities, what that person has.

Genetics and genetic engineering is really difficult science because in the third world nations people don't have even traditional medicine and in the industrial nations, scientists are planning to increase our lifetime by fixing DNA of human being by using nanotechnology and artificial viruses. The thing what makes that thing problematic is that the DNA is damaging all the time because of chemical and radiological stress. 

In theory, the replacement of the damaged DNA would be very simple. But there is more than one practical problem to solve if that kind of solution would someday make in real life. 

Those damages causing the eldering, and there have been plans, that if the person's DNA would be stored after the birth, that thing can be copied by using PCR technology. And then that DNA could put in the artificial viruses. Then the nanomachines will remove the DNA from the nucleus of cells.

After that, the virus would re-assemble the fresh DNA to those cells. This kind of technology has been planned to use in extreme long interstellar spaceflights. Even if the astronaut would put in absolute zero temperature there is a possibility, that the cosmic radiation would cause damages to the DNA, and that means that the replacement for the genomes must be stored. Because, if the cosmic radiation would make damages to the genomes, that thing would cause death at the end of the journey.

We all have our own circles, and finding out those things is an effective way to create methods for targeting marketing

We all have our own circles, and finding out those things is an effective way to create methods for targeting marketing

Algorithms are collecting and compiling information from the web, and they are trying to connect people to separated groups. The way they are speaking is telling about their attitudes, but also there is a possibility to compile the words, what those people are using. And the words and other kind of things like what kind of things people are using on the Internet are uncovering the social and political environment, where those people are spending their time.

The algorithms are also comparing the data, what they are collecting from the different parts of homepages, and then they are making a profile of the user. They use texts, films and other kind of things for making profiles, and then those algorithms are comparing the profiles together. They are making groups of the users, and in that thing, they are using also the images or recognition photos for making profiles.

Those profiles are used for creating the targeting marketing, what those people would like. And then those algorithms suggest the music and another kind of things, that people would follow and what makes them the interest of products, what those commercials offer to them.

When computers are making profiles, they can use multilevel tasking, and the same person can be a member of different groups of people in the network of social media. The thing is that people can be chosen in the groups of the long-hair men, men with leather west or group of men, who hate women, apples or people who hate Japanese motorbikes".

The idea is to find a common divisor, what connects people together. And that information is vital in the targeted marketing

Those people would like to buy the inch designed tools for the American motorbikes if they own that, and then they would get the targeted commercial. For finding that thing the algorithm would search the images and find things like Harley-Davidson logos. And if they are finding the motorbikes, they can target the marketing of the inch-dimension tools and another kind of things like pistons to those people.

The system would follow, the things how long that person would look at the films, and that would tell what kind of music those persons like, and what kind of videos they are looking at. And then the system would put the person in the group, "person who owns American motorbike and like death metal music".

Those groups can be billions, and when the computer makes the selection, it doesn't care about the groups, where we have joined by our own will. Algorithms would use many things to make that kind of separation. And they will notice if some member of some groups of Social media tells things, what was told in some group to another group.

This kind of people can put in the group "people who share information, which is not meant to share outside the group".  The algorithms are noticing, if the group is closed, and if somebody shares things about that group to some other group, would that thing be noticed by algorithms.

The growing environment gives some skills

The growing environment gives some skills

If the individual has grown in the middle of enemies, it would have better abilities to defend itself. 

The researchers have noticed that the water striders, what growing environment would leak the smell of the beast fishes would grow the pikes against those fishes. This thing has brought the mind of the researchers the idea to let the drug addicts grow the sober children, and this would be the way to make the social immune defense against drugs. That means that those persons would have the better able to resist the addiction of the drug dealers and the chemicals, what those people would use.

I don't know has somebody really made that kind of growing test, but as you see, the people, who are working with the behavioral sciences are interested in this kind of education theories, because that kind of way would able to create the persons to the service of law enforcement, who would not change their side in the covert operations, where they are in contact with drug gangs. There is one case, what might be interesting in the way of the behavior tests and it has connections with the zebra mongoose.

Those animals live from two to twelve years, depending on what kind of mother those animals have. The thing in the mongoose-society is that the animals are making puppies at the same time and after that, the puppies would be feed collectively. That thing causes that the strong and the fat puppies, what are the puppies of the strong and big females are able to get better food. The beginning of life orders, how long those animals would live.

Could mongooses feel grudge?

So that population would be the good target for the tests, would the animal feel grudge or does it try to revenge the behavior, what it would face, when stronger puppies are taking its food. The way how those animals choose the puppy, what they want to feed is the size, and that brought in the mind of scientists the experiment, what would investigate the hypothetical ability to revenge. I don't know have scientists ever made that test on the action, but this kind of questions are nice to think.

So what would happen if the puppy-mongooses would choose the order? Would the lifetime of those animals change, or what would happen, if the weaker individual would become stronger? During those hypothetical experiments, weak puppies are taken from the group, and then they would feed with good food and hormones what caused that those puppies would grow big and strong. After that, they looked like the puppies of the Alpha-females, and the thing would be, that is it possible that those animals would revenge to the others. I don't know about the results of this kind of test, and there are many things, which makes people be silent about them.