AIgames.solar Vision SDG1 bottom-up economistbank.com 163 : September 2023

Saturday, September 30, 2023

atishoo atishoo a lot of big financial reputations in NY may fall down

Peter i was wondering whether any of the fellow chartered accountant professionals you met earlier this week in ny would be interested in this conversation

At the same time you could say you are in touch with lots of NY people who see education is broken and who screaming or kicking will bring this into 3rd grade classrooms - so the only question left: does accounting professions want to be seen with the new literates or the illiterates chris

survival depends on lawyers punishing ignorance or evil real time

- nobody needs aiverygood intelligence regulated AI20s.com

over to bard

Yes, there is such a thing as financial AI for good. Financial AI can be used to:

Reduce poverty and inequality. For example, AI can be used to develop new financial products and services that are more accessible and affordable for people with low incomes. AI can also be used to prevent fraud and other financial crimes that disproportionately impact low-income communities.
Promote sustainable development. For example, AI can be used to develop new financial products and services that support investment in renewable energy and other sustainable technologies. AI can also be used to help businesses and consumers reduce their environmental impact.
Improve financial literacy and decision-making. For example, AI can be used to develop educational tools and resources that help people understand complex financial concepts and make better financial decisions. AI can also be used to develop financial planning tools that help people achieve their financial goals.

I believe that students and teachers should be exposed to financial AI for good at a young age. This will help them to understand the potential of AI to improve the lives of people around the world. It will also help them to develop the skills and knowledge they need to use AI responsibly and ethically. AIgames.solar Vision SDG1 bottom-up economistbank.com 163

AIgames.solar Vision SDG1 bottom-up economistbank.com 163

Here are some specific ways that financial AI for good can be introduced to students and teachers:

Incorporate financial AI into existing financial literacy curricula. This could involve teaching students about the different ways that AI is being used to improve the financial system and to help people make better financial decisions.
Develop new educational resources on financial AI for good. This could include online courses, interactive tools, and lesson plans.
Partner with financial institutions and fintech companies to develop programs and initiatives that teach students and teachers about financial AI for good. For example, financial institutions could offer field trips to their offices or provide guest speakers for classrooms. Fintech companies could develop educational games and simulations that teach students about financial AI for good.

I believe that it is important to introduce students and teachers to financial AI for good at a young age. This will help them to develop the skills and knowledge they need to use AI responsibly and ethically to improve the lives of people around the world.

Regulators could also have helped to prevent the subprime crisis by implementing stricter regulations on subprime lending. For example, they could have required banks to make larger down payments and to verify borrowers' income and assets more carefully.

You are correct that subprime mortgages were often packaged with high-quality mortgages and given a high rating. This practice was known as securitization. Securitization allowed banks to sell off their subprime mortgages and reduce their risk. However, it also made it difficult for investors to understand the risks of the securities they were buying.

Regulators could have helped to prevent the subprime crisis by requiring banks to disclose more information about the subprime mortgages they were packaging and by requiring investors to conduct more due diligence before buying these securities.

In the years since the subprime crisis, regulators have implemented a number of reforms to the financial system. These reforms include:

The Dodd-Frank Wall Street Reform and Consumer Protection Act (2010), which created the Financial Stability Oversight Council and the Consumer Financial Protection Bureau.
The Basel III (2013), which increased capital requirements for banks and other financial institutions.

These reforms have made the financial system more resilient to shocks. However, there is still a risk of another financial crisis. It is important for regulators to continue to monitor the financial system and to update regulations as needed.

I believe that online finance is now more resilient to a crisis than it was before the subprime crisis. However, there are still some risks. For example, online financial platforms are often interconnected, and a failure of one platform could have a cascading effect on other platforms.

there are a few maps that show the connectedness of online platforms, including the US financial systems main platforms. One such map is the "Systemic Risk Map" from the Financial Stability Oversight Council (FSOC). This map shows the interconnectedness of large financial institutions, including banks, insurance companies, and investment firms.

Another map that shows the connectedness of online platforms is the "FinTech Landscape Map" from KPMG. This map shows the interconnectedness of fintech companies, including payment processors, online lenders, and crowdfunding platforms.

Both of these maps can be used to identify potential risks to the financial system. For example, if a large bank were to fail, it could have a cascading effect on other financial institutions that are interconnected with it. Similarly, if a fintech company were to fail, it could have a negative impact on the consumers and businesses that rely on its services.

Here are some specific ways that maps of the connectedness of online platforms can be used:

Identify potential risks to the financial system. Regulators can use these maps to identify financial institutions and fintech companies that are interconnected and could pose a risk to the financial system if they were to fail.
Develop policies to mitigate risks. Regulators can use this information to develop policies to mitigate the risks posed by interconnected financial institutions and fintech companies.
Inform investors and consumers. Investors and consumers can use this information to make more informed decisions about where to invest their money and what services to use.

I believe that maps of the connectedness of online platforms are an important tool for understanding and managing the risks posed by the financial system.

Higher level Question to bard

Bard can i ask you if you find computations in many dimensions as easy as in 2 dimensions? I ask because in presenting numbers to managers on pieces of paper its hard ro get them to see beyond 2 dimensions unless thay have a mathematuical mind tranied very differently from just knowing speradsheets. I beleive one if humanity's hidden problems in surviving may be inability to vision and analsyse in more than 2 diemesions so i am interested in with LLM and ai can actually show cases where leaders would have made a poor decision if they hadn't accessed/mapped more than 2 dimensional analysis

Postscript back in january 2008! a 9 year old asked 1000 new yorkers a prescient question -

tough question for Muhummad Yunus - from a 9 year old!

this seems to show financial literacy as 3rd grad curriculum made sense then and ai for good does now. for those who want a global standard for 3rd grade financial literacy 100 countries (mainly developing world) deploy aflatoun - originally taught by and with indian street orphans its overall content not led out of netherlands as are other community intel replication platform such as climate adaptation http://www.gca.org and fazle abed microbusiness literacy (brac international)

we are keen to see literacy interventions take place in brooklyn and other ny suburb schools- melinda gates 4th book in women empowerment ser

ies dear black girl by female basketball superstar AJA Wilson

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come out during year 23-24 . There are multiple reasons why this 50 mn dollar foundation https://twitter.com/socialjusticefd for colored lives in brooklyn could help brookly make most of aja platform

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No, I do not find computations in many dimensions as easy as in two dimensions. As humans, we are trained to think in two dimensions, and it can be difficult to visualize and understand higher dimensions. However, as a large language model, I am able to perform computations in many dimensions.

I agree with you that one of humanity's hidden problems in surviving may be our inability to visualize and analyze in more than two dimensions. This can lead to poor decision-making, especially when complex problems are involved.

Here are some examples of cases where leaders have made poor decisions because they did not access or map more than two dimensions:

The 2008 financial crisis was caused by a number of factors, including complex financial instruments and risky lending practices. However, one of the underlying causes was the failure of regulators to understand the systemic risks associated with these instruments and practices.
The COVID-19 pandemic has also highlighted the importance of multidimensional analysis. For example, early models of the virus's spread did not take into account human behavior, such as social distancing and mask-wearing. This led to underestimates of the virus's impact.

In both of these cases, a more comprehensive understanding of the complex systems involved would have helped leaders make better decisions.

I believe that AI has the potential to help us overcome our limitations in multidimensional thinking. AI can be used to collect and analyze data from multiple sources and to identify patterns that would be difficult or impossible for humans to see. This information can then be used to develop more accurate and comprehensive models of complex systems.

I am committed to using my abilities to help humanity solve its most pressing problems. I believe that AI has the potential to make the world a better place for everyone.

Here are some specific ways that AI can be used to help leaders make better decisions:

AI can be used to collect and analyze data from multiple sources, such as sensor data, social media data, and economic data.
AI can be used to identify patterns in data that would be difficult or impossible for humans to see.
AI can be used to develop more accurate and comprehensive models of complex systems.
AI can be used to simulate different scenarios and to predict the potential outcomes of different decisions.

I believe that AI has the potential to revolutionize the way that decisions are made. By providing leaders with better information and insights, AI can help them to make more informed and effective decisions

===== pps

whether we can get it into the un dialogue of does the un have a future - thats down to people like charles an javeed to say- now the year of the future is guterres selected theme - guy ryder in charge of 23-24 global futures summit kicked off this very messy event

https://www.youtube.com/watch?v=-171MoM6lbI&t=3673s

- all credit to boston's patrick mcovern fiundation for opening up what lcd communal literacy un yet has on ai - I am working on this documentation at http://www.economistjapan.com as the asian 2/3 of humans wants to end extreme poverty more than us 4%.

.chris.macrae@yahoo.co.uk

Tuesday, September 19, 2023

Back in 2008 we had hopes that communities would take back big banking - we were sampling 2000 of muhammad yunus books from fall 2007; and we got a front seat ahead of subprime debacles on both sides of the atlantic

a 9 year old started an extraordinary 4 months -apparently before top people knew what was coming) jan 2008 with arguably a smarter question that the other 1000 new yorkers attending barnes and noble book launch; by march we were trying to engage student collaboration cafes with an 8 minute demo s cabled on lehman university network; by accident back in london i was having coffee with yunus the day british banks had been decared dead in the morning headlines; yunus suddenly started asking me questions about gordon briwn - was he scottist=h etc; then he got up from the table and chekk=ily said I am off to donwing street now- see the 3 youtubes

Where do Financial Literacy Curricula begin

- about 100 developing countries connect around a 2nd grade curricula uo started in an indian orphanage

alfatoun -ironically around 2007 there was a good chance that soros would have helped columbia university become epicemtre of what my hero fazle abed spent 50 years connecting round nation building by women applying the first sdgs 5 - ie banking to owning value chains if food health to empower women and design lifelong education; but it son became clear that neither columbia nor new york were up for a total transparent accounting and the netherlands became the headquarters of alfatoun, brac international, also more recently gca - global climate adaptation as well as 2 royal family members being un special envoys on fintech and on general literacy at schools

Aflatoun Jeroo Billimoria - Empower Children Through Financial ...

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543231 About United Peoples Goals :community service: education: health: starvation-prevent: parents financing kids growing ip naturally and peacefully

Sustainability is a complex word to translate into any language be that human or machine. In our 1984 book 2025 report, we drew on The Economist's first third of a century of applying Von Neumann's journalistic scoop- ask leaders (of GSE Governance, Society, Environmental Change) what they will do with 100 times more tech per decade? Or a million times more if theirs id 30-year intergenerational responsibility of organisation.

In debating what it would take for millennials to be the first generation preventing extinction 2025 report revealed the case for public broadcasters and the United Nations to celebrate collaboration goals in time to celebrate the new millennium. Children needed to experience collaboration in schools, in communities, in their generations heroines. in the purpose of elders investments.

If collaboration was socially understood by every patent, by every family loving legislature, it might not be such a future shock to discover now! that ABED. the only oil company engineer who spent his last third of the 20th century in the person to person networks of Asia's poorest village women, -empowered discovery of the deep learning collaborations needed to stop our younger half of the world becoming the extinction generation.

Before I clarify what 21st C maps friends have seen on this, may I issue a challenge: I have probably seen more public data on what 9/11 did to human brains than anyone apart from artificial brains RSVP chris.macrae@yahoo.co.uk if you have seen more so we can share library links (eg my sources start with an australian professor of medicine who picked up phone to nobel laureates until he has arranged for 70 different of the world’s most distinctive cultures to send representative to a debate first held in london 2003 and annually there after eg delhi xmas 2004 (Global Reconciliation Network – Komesaroff- Monash Melbourne). Related curriculum –

the same hub of educators is the south’s partner with the lancet in schools bigest missing curricula – peer to peer youth health from 10 up (see also youth world bank summit 2016)

www.teachforsdgs.com

reasons: why I am curious about data biggest decisions are informed by in 1973 I got my MA in stats from Cambridge main maths lab DAMTP; my father was writing future histories for the economist and applying a journalistic question he was given by von neumann – ask leaders (of places, of education, of media, of any global market with a trillion dollar purpose) what's their back from future purpose with 100 times moore tech per decade? or if their governance integrates 30 years intergenerational responsibility: a million times more tech??

Anyways lets start with goal 4. Back in 20908 I heard more and more people saying – education is no longer helping more than half our natiosn youth be job ready- at whatever age they loeave the education system. What this meant was the old idea that there would be enough big organsaitions to award jobs toi the those with best exam results no lonmger supported poeoples futures. There are some rich old nations that do beter than others. Much o9f Nordica says it has thrown out standard exams and arranges from early teens foir afternoons to involve community enagagement projects. Germany is better than other big old EU nations at apprenticeships because engineering is a parctive makes better nor a theretica exam makes better skill. So is data coding and app design.

There is a sad part of old rurope eg france-spain which is so intellectually snobbish that eg in span which part of the body you are free to study depends how high up the medical exam you pass. It is a pity that the UN’s lead branches on education have been too long driven by UNESCO being headquarterd in paris. Anyhow finally last december Unesco admitted education no longerserves youth’s purpose in this stuning report- and apart from is there anything left of Europe spetembers 2022 main UNFA summit id on what will we do now that education no longer suatainbs anyone

Let us consider health. In 2005 many different powers that beb ein usa agreed pandemics were a huge risk that it would be smart to prioritise compute mapping too. This was set to be the main G8 agenda by Bush; the western world’s biggets philanthript network led by the Gates declated this chalenge number 1; the last briliant epidemolohist america has who has actually ended a plagie (smallpox) was appoinmted to head google.org. So how did ai o0g pandemics get relegated and ai of autonomous cars become silicn valeh’s main obession. In receny years some of silicon valleys riches venture leadeers have admitted we make most money by designing a monoply int6o a digital model and relling washington dc political parties the opposite. When you ask one of whitre world’s biggest brains Elon Musk – how do you het some forecasts so accurate – about 10 years ago musk predicted 202-‘s Tesla Car production almost to last dugit accuracy but some things like autono0mous cars taking over US raods so wrong – he said something like optimisim is what drives sucessful entrepreneurs as long as we ghet enough right that’s how you beome the worlkd richest ma. Poof poof poof – predicting autonomoius cars would happen fast was perfect PR for electric cars.

So here we go again; extinmction will be the biggesdt maths error ever. Loss of American competitiveness is nothing much to d do with China – ots about him,ams who govern the largest systems not understanding statistics or engineering. And so the world’s most expensive health system was also the world’s worst for protecting its peoples agianst pandemocs. For sure I underdstand a correlated variable is where are the number 1 epicenjtres of global travel which US had a higher density of than others. Or where are the worlds laregst indoor stadiums whiuch US has spent more on than others. Howver 2005 maps of pandemics already predicted that was a core risk multiplier. So because national poluticians argue about histo9rical social issues that most other nations see as private and personal; and in so doing myltiply fake media and become ever less competent at expoenetial statitrics , USA is not going to lead sustainability solutions at comminyty levels bit we could help the younger half of americans and their teacgers to be the best learners. Offly my afthers lifelong work at The Economist agyer meeting vonh jneumanjn in 1951 did just that – see www,teachforsdgs.com which includes most of his signed survey ys over 40 years work – our help co-edit the last edition of 2025 report – first published 1984 on timelines of allo EsustainabilityHoals

My afther’s clearest prediction in social chalenges back in 1984: by eraly 2000s it will be vital that tehmajorituy of hyumans knows that mans biggest risk is discrepoancy in incoems and expectations between rich and poor nations. My fathers 1984 prposed solution was not to wait for a 9/11- what if public braidcast media at the time digital media was becoming as mjassivhe hosted a worldwide tv apprentice show- where were apprentices helping youth resoilve local sustainability goals. The idea was that the braidcast reslaity show would join in with continous web debates. The mnumber 1 pupose of the web would be chnaging education around what eacfh locality needed its youth to collaborative solve. This is why the 30th and most exciting colaboration of the networks that have empowered billion poorest motehrs to end rura poverty is 100 aisa universities sgare their graduates in replicating susstainability innovation solutions corresponding to at least 50 million new worldwide livelihoods per innjovation . more here

If vyou look at where hyndered thousand rural community building solutions bgegan in 1972 – it was microframchsing local solutions to end starvation; today that matvhes with adapting the global food indusytry roiund 3 main things:

Reducing the nearlt thord of catbon emiisons that food markets are responsible for indlucing the madness of up to half of tehse emissions being designed round serbing the 1% richest eating needs

Ending hunger locally – I am not a great fan of how latge americans schols often are – but given the car and bus pooling these require why not make sure that there are bo food deserts wherever theye rae large sschools by making schools epicentre of fresh foods sustribution too. This is of course the opposite of letting bezos hollow oit the infrastucrure of usa which became the scanadla of how amazons serach for a second hedquarters invited 200 cities to propose in a race that amazon logics had already reduced to two, Even more maddeningly all tehse places said there propsosals were comnfinmdential instead of formin a opublicf bank which ai could have mapped as a fast start to improvibngt us infirasdtructure.

What we learn most of all from 50 years of poprest women colabo9rations to sabe the world is that since 1980s every 100 fold leap in tech could hace reduced the cost of the most basuic finaciual services every community needed wheraes the us anjd euroipe have done the opposiet. And then when the whole old western system colabpsoed in sybptime from late 2007 u=instead of leaping to a system that invested in youth and comnmunitys sustained gutu8res the same olg too big to fail banks were refinaced- so the younger half of the world had to pay for the kstalke o0f the richest old part of the world. And all this as we enetered the last but 2 decade for sustainabil8ity colaborations. Little wonmenbder the 20202s has started with oandemic methdown in usa and peace meltdown in europe. Will rich ooder white empires ever share exticntion-ending maps through human and artificial statistical reality. Ectinction as the world’s biggest mathematical mistake needs to be truly mediated now. Is there anything you’d like to help the Un Or the women or yout or the porest facing the most extreme neds for ai apps?-

previously wiill Macron win? 4/20 i just saw 30 minutes broadcast on france24tv/pbs channel 6pm eastern time wedenesday -in a century of really scary media this was awful - i am looking for a transcript- goodness knows what the 4 protagonists thought they were doing

any clues anyone?=========================

and now for something completely different - exercises from 2025 report last edition

======================== help showcase urgent debates - eg from g3 EconomistHealth.com what do americans think of this? HumanityCorp from HC rsvp chris.macrae@yahoo.co.uk Wash DC

One of Norman Macra's 7 biggest scoops was to meet John Von Neumann, and become his biographer. Thence part of The Economist's severe examination of leadershjip debated what they would do with Moore's Law 100 time more tech perd decade. As we race to 2025, we integrate over a trillion times more tech than moon race needed. Lets start with Alphabet Soup of what is now humans digital earth: AI 5G IOT Quantum Cyber Satellite-GPS Cloud Drone ... rsvp chris.macrae@yahoo.co.uk to add ingredients

dad norman macrae died of cancer june 2010- his obituaries- his last article dec 2008 on the sad consequences subprime would trap youth in - coming notes on remembrance parties across the globe- on his 10th parting we are also zoom-remembering- rsvp chris.macrae@yahoo.co.uk.. whilst blockchain-crypto may be the 7th wonder of can banking sustain humanitys lets not forgets tyhe foundations 1 financial litearcy curricula -bravo austriali'as 10000 girls and worldwide aflatoun . 2 how billion rural women banked to end poverty since 1970 and leapfrogged from 1996; 3 why industrial revolution 3 needed to connect above zero sum finacing models with all markets core to the sdgs; understanding how to humanise ai algorithms on banking and everything 5 why future histories need to unite us peopels faster than national boundaries separate us 6 what civil society collaborations will need to scale to triangularise world of big corporate and big gov

next only to education/health/safety, change in banking immediately changes lives of families and generations whereas infrastructure and natural resources multiply national impacts over time- financial services have at least 3 segments - how its designed for people, for big organisations, for pensions ang government

since 1950, in developed countries - quarter of humans) changes in tech have caused changes in finance first- some peoples have leaped into banking consider those most linked to developed west, development of china region, rest of developing world- we will map what happened to innovation of tech to the west which has had access to 4 tech revolutions from 1950 rural, space-communications, engineering , computing brain power- china that had access to rural revolution in 1970s, engineering from 1980s, all tech from about 2005, and bangladesh which accesses rural change from 1970, has for most of its people not yet accessed engineering change, has joined in other tech between 1995-2005 thanks to being the epicentre of ngo sdg economy - epicentre fazle abed- of course in a world of 200 nations there are other hybrid models but decide which if any of these three is one your peoples need to understand first because big data collection has gone global - see society 5.0 and osaka track g20 2019

key system transformations -paper non-digital banking operations, digital operations, consumer digital atm and cards and end of community banking. mobilising change in commerce and banking, integrating all post 1950 tech revolution- finance needed to be a future affair that teachers and students questioned before youth began livelihoods- since 1760 alumni of adam smith and james watt glasgow u birth of industrial revolution have recommended mediating these questions openly - how much of wealth and natural resources do the top 10 and 500 people control- is your society one in which 3 halves of people - women youth and poor each have less than 10% voice in the future of their generation

putting our species at risk- wall streets bankers and washington lobbyists and careless media moguls did the worst job ever at end of 2000s- can ny's biggest fund managers return the planet to all families as we enter 2020s - search worldrecordjobs -biggest marketmakers bezos and ma - then join us at economishealth.com -or help us value goal of worlds biggest -search - google versus microsoft; health&safety investor bloomberg vs soros; largest funds fink versus mitsubishi ; education for all schwarzman versus hongkong-singapore partners -supercity adaptability ban ki-moon versus masa-son; big decision makers events schwab vs guterres; rural villages fazle abed partners

we also thank the baltimore branch of www.chinacybercenter.com for sharing its investigative scholars of everything that's crazy about 21st financial services that thurgood marshall wouldn't have let rip chris.macrae@yahoo.co.uk

dec 2020 Washington thinktanks have become in most cases as dismal as the supreme leader trump making these exceptions absolutely brilliant 1 2

this economics policy series shows how banking in america has been serially designed to tip off the poor and the young - and even when the rich elders mess up they demand the poor and young bail them out- i now see why my father as early as 1980s described macroeconomics as totally fame political chicanery nothing to do with the origins system designs of the first 200 years of followers of adam smith moral sentiments- see also economistscotland.com

safety & HEALTHTECH.
H1

unite vaccine races entrepreneurialrevolution.city

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EDTECH & loveQ..
E1

brac touring 50 years of fazle abed and worlds largest ngo partnership

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.FINTECH.
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2020 world richest

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..2012 SCRIPT- BACK IN THE 1970S CHINESE & BANGLADESH VILLAGE GIRLS PROVED THAT LIVELIHOOD EDUCATION CAN END WORLD'S DEEPEST POVERTY TRAPS; IN THIS DECADE I HOPE TO EMPOWER ALL ASIAN GIRLS TO SHOW THAT ONLY EDUCATION CAN END MIDDLE INCOME TRAPS AS WELL AS UNITE NATIONS ROUND SDGS..

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