We who work in technology have nurtured an especially rare gift: the opportunity to effect change at an unprecedented scale and rate. Technology, community, and capitalism combine to make Silicon Valley the potential epicenter of vast positive change. (Justin Rosenstein)

We who work in technology have nurtured an especially rare gift: the opportunity to effect change at an unprecedented scale and rate. Technology, community, and capitalism combine to make Silicon Valley the potential epicenter of vast positive change.

Justin Rosenstein

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change gift opportunity silicon technology valley vast work epicenter

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The frontiers of knowledge in the various fields of our subject are expanding at such a rate that, work as hard as one can, one finds oneself further and further away from an understanding of the whole.

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As befits Silicon Valley, 'big data' is mostly big hype, but there is one possibility with genuine potential: that it might one day bring loans - and credit histories - to millions of people who currently lack access to them.

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It is no wonder that bank capital is regulated. When borrowing and lending is profitable, it is tempting for banks to scale up their operations and to borrow and lend too much in relation to their capital, in effect reducing the effectiveness of the potential capital cushion.

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Free is really, you know, the gift of Silicon Valley to the world. It's an economic force, it's a technical force. It's a deflationary force, if not handled right. It is abundance, as opposed to scarcity.

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