Humanity is quite a unique species, since it is the only one with the means to wipe itself out.
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“It would have been easier to have a male protagonist, but I didn't want people to assume that Nikki Hill was me in her entirety because a lot of people just don't like me and I don't think they would be interested in reading about me, even in the fictional context.”
“In the financial system we have today, with less risk concentrated in banks, the probability of systemic financial crises may be lower than in traditional bank-centered financial systems.”