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15 global challenges that cannot be addressed by any government acting alone

  The 15 Global Challenges  from t he Millennium Project, a global participatory think tank. 1. How can sustainable development be achieved for all while addressing global climate change? 2. How can everyone have sufficient clean water without conflict? 3. How can population growth and resources be brought into balance? 4. How can genuine democracy emerge from authoritarian regimes? 5. How can decisionmaking be enhanced by integrating improved global foresight during unprecedented accelerating change? 6. How can the global convergence of information and communications technologies work for everyone? 7. How can ethical market economies be encouraged to help reduce the gap between rich and poor? 8. How can the threat of new and reemerging diseases and immune micro-organisms be reduced? 9. How can education make humanity more intelligent, knowledgeable, and wise enough to address its global challenges? 10. How can shared values and new security strategies reduce ethnic conflicts, terroris

Annual Fee


A £28 annual fee appeared on my bank statement. This is the commercial credit card annual fee, but all I was told is my bank account is on free banking terms, no standard activity charges or account fees are payable. No similar warning with my credit card which comes with the current account. (Ah well, there are small prints on the back of the statement, I never read it.)


The Office of Fair Trading ruled that any late payment or unauthorised borrowing charge levied by a credit card provider was likely to be illegal if it totalled more than £12. But last months the bank charged me £3.0 per day for overdraft. I asked for refund, and the banker did so.

Some bank charge a fee when the card has low usage, either in terms of the frequency of transactions or their value. But my bank charges annual fee regardless of how many times you use your card. But the fees on credit cards need to come with a similar warning to those on packaged current accounts, i.e. the banker should have told me £28 annual fee when I agree to sign a credit card.

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15 global challenges that cannot be addressed by any government acting alone

  The 15 Global Challenges  from t he Millennium Project, a global participatory think tank. 1. How can sustainable development be achieved for all while addressing global climate change? 2. How can everyone have sufficient clean water without conflict? 3. How can population growth and resources be brought into balance? 4. How can genuine democracy emerge from authoritarian regimes? 5. How can decisionmaking be enhanced by integrating improved global foresight during unprecedented accelerating change? 6. How can the global convergence of information and communications technologies work for everyone? 7. How can ethical market economies be encouraged to help reduce the gap between rich and poor? 8. How can the threat of new and reemerging diseases and immune micro-organisms be reduced? 9. How can education make humanity more intelligent, knowledgeable, and wise enough to address its global challenges? 10. How can shared values and new security strategies reduce ethnic conflicts, terroris