I think even much worse than targeting ads, like what if we become really good at deciding who will default on the loan and therefore we don't give them alone. There'll be a big kind of coevolutionary arms race between the technology and the people who don't want to be controlled by it. Presumably there's some good things. I mean, maybe when I call to change my flight reservations, I'll get a much more useful computer interface than I do right now. But audio visual won't be solved. Like being able to get your slides to show up on the computer.

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