While physics and mathematics may tell us how the universe began, they are not much use in predicting human behavior because there are far too many equations to solve. I'm no better than anyone else at understanding what makes people tick, particularly women.

Any physical theory is always provisional, in the sense that it is only a hypothesis: you can never prove it.

The concern here is that financial services become a kind of tech-led Wild West.

As those who have seen Jurassic Park will know, this means a tiny disturbance in one place, can cause a major change in another. A butterfly flapping its wings can cause rain in Central Park, New York. The trouble is, it is not repeatable. The next time the butterfly flaps its wings, a host of other things will be different, which will also influence the weather. That is why weather forecasts are so unreliable.

One can see from space how the human race has changed the Earth. Nearly all of the available land has been cleared of forest and is now used for agriculture or urban development. The polar icecaps are shrinking and the desert areas are increasing. At night, the Earth is no longer dark, but large areas are lit up. All of this is evidence that human exploitation of the planet is reaching a critical limit. But human demands and expectations are ever-increasing. We cannot continue to pollute the atmosphere, poison the ocean and exhaust the land. There isn't any more available.

Science can lift people out of poverty and cure disease. That, in turn, will reduce civil unrest.

The question is: is the way the universe began chosen by God for reasons we can't understand, or was it determined by a law of science? I believe the second. If you like, you can call the laws of science 'God', but it wouldn't be a personal God that you could meet, and ask questions.