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Financial

David O'Neill

Forecast errors turned a supply shock into larger welfare losses; “look-through” amplified them Make look-through state-contingent with public shock decompositions and automatic triggers Shield schools via indexed budgets, pooled energy hedging, and efficiency investments that cut volatile costs

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Ethan McGowan

The dollar’s slide is a self-inflicted wound from tariffs, aid cuts, and fiscal drift Market confidence punished these choices, raising costs for campuses and squeezing budgets Fix it with boring credibility: a real fiscal path, rules-based trade, and strategic re-engagement

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David O'Neill

Local debt collapse and deflation push silent austerity into schools Beijing can prevent a bank crisis, not classroom payroll pain Protect operating budgets, ease family costs, and retool TVET The number that will

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Ethan McGowan

Tariff shocks don’t halt trade—they reroute it, reshaping supply chains Those shifts hit education budgets, curricula, and partnerships, demanding “diversification-ready” systems Train for regulatory and logistics literacy, hedge procurement, and build cross-border academic ties

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David O'Neill

Neural networks rarely beat simple baselines in noisy markets Finance needs transparent models that fail visibly Glass-box practices must be the default In 2025, a new Nature study on stock-market prediction reached a surprising c

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David O'Neill

Bequests and risk largely drive why households save and work Factor thinking reduces student signals to cashflow, care, schedules, and family transfers Design aid to smooth risks and protect family reserves with fast, income-based plans

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Keith Lee

Households’ inflation beliefs move more with media framing than ECB verbosity Extra, unscheduled talk can backfire; clarity, timing, and audiovisual formats anchor expectations Make communication a measurable policy tool with simple targets and state-contingent triggers

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Ethan McGowan

Token value comes from network use, not only cash flows Teach Metcalfe-style metrics—active users, adjusted settlement, fees and ETF signals—with transparent filters Update curricula to pair demand-based valuation with risk and regulation

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David O'Neill

The UK–India pact swaps targeted tariff cuts for larger services and mobility gains Phased quotas protect adjustment while amplifying each side’s comparative strengths Biggest risk: an EU–India deal; move fast and fund skills to preserve advantage

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Ethan McGowan

Bitcoin’s value stems from settlement utility, not cash flows Institutional demand and fees support this role It is better seen as a monetary asset than a Ponzi In its first year on the market, U.S

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David O'Neill

Same cash backbone, different rules: MMFs pay yield; stablecoins move money fast Receive tuition via regulated stablecoins, then auto-sweep into MMFs/tokenized T-bills This two-rail setup cuts cross-border costs, speeds settlement, and protects budgets

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David O'Neill

Business and financial cycles require different neutral interest rates East Asian data show the gaps are often large Policy must balance growth needs with financial stability The most crucial number in monetary policy

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Ethan McGowan

Aid can raise political violence by making public office a richer prize Design fixes—timing, transparency, smaller discretion, cash or in-kind by context—reduce that risk Gaza shows the stakes: build neutral, auditable rails and protect multi-year humanitarian budget

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Ethan McGowan

Stablecoins are the battleground for China’s reserve-currency bid Without a trusted RMB token, dollar stablecoins entrench dominance and siphon savings Use Hong Kong and mBridge to launch audited RMB rails for trade and tuition

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Ethan McGowan

Tariffs in 2025 weakened the dollar instead of strengthening it Markets priced in retaliation, limited U.S.

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David O'Neill

Tariffs act as hidden taxes, falling mainly on U.S.

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