The purpose of this publication is to make the future of individuals and institutions right. And, also, to make people think, even for a brief period.

It is a mixture of prediction and provocation that tends to stimulate debate, but be aware that other elements should be considered when assessing the potential impact. Further

important, the technologies presented in this table were inserted without any discussion of ethical and moral factors. No technology should be used unless it helps human conditions

and with potentially disruptive technologies always remember that "with great powers comes great responsibilities." (There are several credits for this phrase since Spider-Man, Dr. Spock, Yoda, Churchill,

Roosevelt and possibly the French Revolution). Examples are purely illustrative and do not constitute any form of recommendation, validation or investment suggestion. Note also that

small companies and start-ups are constantly changing, so treat the examples carefully. There will be errors and errors of judgment, please use a little common sense. If you want to

contact us to congratulate us, criticize us or pay us a lunch, our address is [email protected]. You can also find Richard by [email protected].