Can't make your payments? No problem. The interest charges keep on coming. In fact, banks prefer it that way. More money for them. The government guarantees it.

Why do I have an issue with banks? They have their greedy fingers in everyone's money. No other industry has the power to deduct a bill or fees directly from your own bank account without so much as a notice.

I always thought the point of life was something richer than that. Something full of great tragedy or comedy, reversal of fortune, ecstasy, that kind of thing. But no, contemporary urban theorists seem satisfied with the merely livable, which always sounds to me like the merely survivable, the not so bad.

Banks will fee you to death. If you bounce a check, the bank has a policy to re-post the check three more times to see if it will be paid. If it continues to bounce they charge a $30 overdraft every time. So, one bounced check will rack up $90 for the bank.

Using social media can often be the fastest and easiest way to connect with online influencers because they are already established platforms for connecting with like-minded individuals.

We have the largest digital design studio in the world.

Racism itself is difficult to measure. We can measure hate crimes - which are absolutely an indicator. We can measure reports of discrimination. We can measure the number of times hateful words are being used across the Internet. Those things all help us measure racism, but it can sometimes be nebulous.

Technology determines the possibilities of society. It doesn't matter whether you start out from a fascist state or a communist state or a free-market state.