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  • Following Steven Weinberg's lead, we plunge further back into cosmic history, beyond the formation of atomic nuclei.
  • Today, we discuss the origin of the quark-gluon plasma and the properties of the famous Higgs boson, the "God Particle."
  • Is there a limit? How far can we go back in time?

Last week, we celebrated the great physicist Steven Weinberg, bringing back his masterful book The First Three Minutes: A Modern View of the Origin of the Universe, where he tells the story of how, in the first moments after the Big Bang, matter started to organize into the first atomic nuclei and atoms. This week we continue to follow Weinberg's lead, plunging further back in time, as close to the beginning as we reliably can.

But first, a quick refresher. The first light atomic nuclei — aggregates of protons and neutrons — emerged during the very short time window between one-hundredth of a second and 3 minutes after the bang. This explains Weinberg's book title. Recall that atoms are identified by the number of protons in their nuclei (the atomic number) — from hydrogen (with a single proton) to carbon (with six) and all the way to uranium (with 92). The early cosmic furnace forged only chemical elements 1, 2, and 3 — hydrogen, helium, and lithium (as well as their isotopes, which contain the same number of protons but different numbers of neutrons). All heavier elements are forged in dying stars.

The hypothesis that the universe was the alchemist responsible for the lightest elements has been beautifully confirmed by numerous observations during the past decades, including improving a lingering discrepancy with lithium-7. (The "7" represents three protons and four neutrons for this lithium isotope, its most abundant in nature.) This primordial nucleosynthesis is one of the three key observational pillars of the Big Bang model of cosmology. The other two are the expansion of the universe — measured as galaxies recede form one another — and the microwave background radiation — the radiation leftover after the birth of hydrogen atoms, some 400,000 years after the bang.

The primordial soup of particle physics

At about one minute after the bang, the matter in the universe included light atomic nuclei, electrons, protons, neutrons, photons, and neutrinos: the primordial soup. What about earlier? Going back in cosmic time means a smaller universe, that is, matter squeezed into smaller volumes. Smaller volumes mean higher pressures and temperatures. The recipe for the soup changes. In physics, temperature is akin to motion and agitation. Hot things move fast and, when they cannot because they are stuck together, they vibrate more. Eventually, as the temperature increases, the bonds that keep things together break. As we go back in time, matter is dissociated into its simplest components. First, molecules become atoms. Then, atoms become nuclei and free electrons. Then, nuclei become free protons and neutrons. Then what?

Since the 1960s, we have known that protons and neutrons are not elementary particles. They are made of other particles — called quarks — bound together by the strong nuclear force, which is about 100 times stronger than electric attraction (that is, electromagnetism). But for high enough temperatures, not even the strong force can hold protons and neutrons together. When the universe was a mere one-hundred-thousandth of a second (10-5 second) old, it was hot enough to dissociate protons and neutrons into a hot plasma of quarks and gluons. Gluons, as the name implies, are the particles that stitch quarks into protons and neutrons (as well as hundreds of other particles held together by the strong force commonly seen in particle accelerators). Amazingly, such strange quark-gluon plasma has been created in high-energy particle collisions that generate energies one million degrees hotter than the heart of the sun. (Here is a video about it.) For a fleeting moment, the early universe re-emerges in a human-made machine, an awesome scientific and technological feat.

Remember the Higgs boson?

Credit: NASA

Is that it? Or can we go further back? Now we are contemplating a universe that is younger than one-millionth of a second old. For us, that's a ridiculously small amount of time. But not for elementary particles, zooming about close to the speed of light. As we keep going back toward t = 0, something remarkable happens. At about one-trillionth of a second (10-12 second or 0.000000000001 second) after the bang, a new particle commands the show, the famous Higgs boson. If you remember, this particle became both famous and infamous when it was discovered in 2012 at the European Center for Particle Physics, and the media decided to call it the "God Particle."

For this, we can blame Nobel Prize Laureate Leon Lederman, who was my boss when I was a postdoc at Fermilab, the biggest particle accelerator in the U.S. Leon told me that he was writing a book about the elusive Higgs, which he tried to but could not find at Fermilab. He wanted to call the book The God-Damn Particle, but his editor suggested taking out the "damn" from the title to increase sales. It worked.

The Higgs goes through a strange transition as the universe heats up. It loses its mass, becoming what we call a massless particle, like the photon. Why is this important? Because the Higgs plays a key role in the drama of particle physics. It is the mass-giver to all particles: if you hug the Higgs or (more scientifically) if a particle interacts with the Higgs boson, it gets a mass. The stronger the interaction, the larger the mass. So, the electron, being light, interacts less strongly with the Higgs than, say, the tau lepton or the charm quark. But if the Higgs loses its mass as it gets hotter, what happens to all the particles it interacts with? They also lose their mass!

Approaching t = 0

Think about the implication. Before one-trillionth of a second after the bang, all known particles were massless. As the universe expands and cools, the Higgs gets a mass and gives mass to all other particles it interacts with. This explains why the "God Particle" nickname stuck. The Higgs explains the origin of masses.

Kind of. We do not know what determines the strengths of all these different hugs (interactions), for instance, why the electron mass is different from the quarks' masses. These are parameters of the model, known as the Standard Model, a compilation of all that we know about the world of the very, very small. These all-important parameters determine the world as we know it. But we do not know what, if anything, determines them.

Okay, so we are at one-trillionth of a second after the bang. Can we keep going back? We can, but we must dive into the realm of speculation. We can talk of other particles, other dimensions of space and superstrings, the unification of all forces of nature, and the multiverse. Or we can invoke a pearl the great physicist Freeman Dyson once told me: most speculations are wrong. Readers are best served if we stick to what we know first. Then, with care, we dive into the unknown.

So, we stop here for now, knowing that there is much new territory of the "Here Be Dragons" type to cover in this fleeting one-trillionth of a second. We will go there soon enough.

  • Russian literature has a knack for precisely capturing and describing the human condition.
  • Fyodor Dostoevsky, Leo Tolstoy, and Aleksandr Solzhenitsyn are among the greatest writers who ever lived.
  • If you want to be a wiser person, spend time with the great Russian novelists.

In Fyodor Dostoevsky's 1864 novella Notes from Underground, an unnamed narrator asks the following question: "What can be expected of man since he is a being endowed with strange qualities?" The answer: "Even if man were nothing but a piano-key and this were proved to him by science, even then he would not become reasonable, but would purposefully do something perverse out of simple ingratitude. He would contrive destruction and chaos only to gain his point!"

After reading another handful of equally puzzling paragraphs, chances are you will find yourself seriously considering whether or not to put down this 100-page riddle. Chances are, plenty of readers will have beaten you to it already. Keep on reading, however, and you might just find that the second half of the story is not only much, much easier to understand, but can also make you look back at the first half from a radically different perspective.

A small person with big power

This narrator, it turns out, is a proud but spiteful bureaucrat. Dissatisfied with his career, he uses the trivial bit of power his position bestows upon him to make life hell for those he interacts with. Eclipsed by former classmates who successfully climbed the ladders of the military and high society, he spends his days alone — lost inside his own head — thinking of reasons for why the world has yet to notice the extraordinary talents he believes he possesses.

After the narrator finishes his incoherent diatribe about society's discontents, we get a glimpse at his everyday existence and the events that have made him so embittered. In one scene, he invites himself to a party for a recently promoted colleague he despises, only to spend the rest of the night complaining about the fact that everyone but him is having a fun time. "I should fling this bottle at their heads," he thinks, reaching for some champagne and defeatedly pouring himself another round.

Angsty college students will recognize this kind of crippling social anxiety in an instance, leaving them amazed at the accuracy with which this long-dead writer managed to put their most private thoughts to paper. Dostoevsky's unparalleled ability to capture our murky stream of consciousness has not gone unnoticed; a century ago, Sigmund Freud developed the study of psychoanalysis with Notes in the back of his mind. Friedrich Nietzsche listed Dostoevsky as one of his foremost teachers.

To an outsider, Russian literature can seem hopelessly dense, unnecessarily academic, and uncomfortably gloomy. But underneath this cold, rough, and at times ugly exterior, there hides something no thinking, feeling human could resist: a well-intentioned, deeply insightful, and relentlessly persistent inquiry into the human experience. Nearly two hundred years later, this hauntingly beautiful literary canon continues to offer useful tips for how to be a better person.

Dancing with death

Credit: Jez Timms via Unsplash

Some critics argue that the best way to analyze a piece of writing is through its composition, ignoring external factors like the author's life and place of origin. While books from the Russian Golden Age are meticulously structured, they simply cannot be studied in a vacuum. For these writers, art did not exist for art's sake alone; stories were manuals to help us understand ourselves and solve social issues. They were, to borrow a phrase popularized by Vladimir Lenin, mirrors to the outside world.

Just look at Dostoevsky, who at one point in his life was sentenced to death for reading and discussing socialist literature. As a firing squad prepared to shoot, the czar changed his mind and exiled him to the icy outskirts of Siberia. Starting life anew inside a labor camp, Dostoevsky developed a newfound appreciation for religious teachings he grew up with, such as the value of turning the other cheek no matter how unfair things may seem.

Dostoevsky's brush with death, which he often incorporated into his fiction, was as traumatizing as it was eye-opening. In The Idiot, about a Christ-like figure trying to live a decent life among St. Petersburg's corrupt and frivolous nobles, the protagonist recalls an execution he witnessed in Paris. The actual experience of standing on the scaffold — how it puts your brain into overdrive and makes you wish to live, no matter its terms and conditions — is described from the viewpoint of the criminal, something Dostoevsky could do given his personal experience.

Faith always played an important role in Dostoevsky's writing, but it took center stage when the author returned to St. Petersburg. His final (and most famous) novel, The Brothers Karamazov, asks a question which philosophers and theologians have pondered for centuries: if the omniscient, omnipotent, and benevolent God described in the Bible truly exists, why did He create a universe in which suffering is the norm and happiness the exception?

To an outsider, Russian literature can seem hopelessly dense, unnecessarily academic, and uncomfortably gloomy. But underneath this cold, rough, and at times ugly exterior, there hides something no thinking, feeling human could resist: a well-intentioned, deeply insightful, and relentlessly persistent inquiry into the human experience. Nearly two hundred years later, this hauntingly beautiful literary canon continues to offer useful tips for how to be a better person.

It is a difficult question to answer, especially when the counterargument (that is, there is no God) is so compelling. "I don't want the mother to embrace the man who fed her son to dogs," Ivan, a scholar and the novel's main skeptic, cries. "The sufferings of her tortured child she has no right to forgive; she dare not, even if the child himself were to forgive! I don't want harmony. From love for humanity, I don't want it. I would rather be left with unavenged suffering."

Yet it was precisely in such a fiery sentiment that Dostoevsky saw his way out. For the author, faith was a never-ending battle between good and evil fought inside the human heart. Hell, he believed, was not some bottomless pit that swallows up sinners in the afterlife; it describes the life of someone who is unwilling to forgive. Likewise, happiness did not lie in the pursuit of fame or fortune but in the ability to empathize with every person you cross paths with.

On resurrection

No discussion of Russian literature is complete without talking about Leo Tolstoy, who thought stories were never meant to be thrilling or entertaining. They were, as he wrote in his 1897 essay What is Art?, "a means of union among men, joining them together in the same feelings." Consequently, the only purpose of a novel was to communicate a specific feeling or idea between writer and reader, to put into words something that the reader always felt but never quite knew how to express.

Tolstoy grew up in a world where everything was either black or white and did not start perceiving shades of grey until he took up a rifle in his late teens. Serving as an artillery officer during the Crimean War, he found the good in soldiers regardless of which side of the conflict they were on. His Sevastopol Sketches, short stories based on his time in the army, are neither a celebration of Russia nor a condemnation of the Ottomans. The only hero in this tale, Tolstoy wrote, was truth itself.

It was an idea he would develop to its fullest potential in his magnum opus, War and Peace. Set during Napoleon's invasion of Russia, the novel frames the dictator, who Georg Hegel labeled "the World Spirit on horseback," as an overconfident fool whose eventual downfall was all but imminent. It is a lengthy but remarkably effective attack aimed at contemporary thinkers who thought history could be reduced to the actions of powerful men.

Semantics aside, Tolstoy could also be deeply personal. In his later years, the writer — already celebrated across the world for his achievements — fell into a depression that robbed him of his ability to write. When he finally picked up a pen again, he did not turn out a novel but a self-help book. The book, titled A Confession, is an attempt to understand his increasingly unbearable melancholy, itself born from the grim realization that he — like everyone else — will one day die.

In one memorable paragraph, Tolstoy explains his situation through an Eastern fable about a traveler climbing into a well to escape from a vicious beast, only to find another waiting for him at the bottom. "The man, not daring to climb out and not daring to leap to the bottom, seizes a twig growing in a crack in the wall and clings to it. His hands are growing weaker and he feels he will soon have to resign himself to the destruction that awaits him above or below, but still he clings on."

Confession is by no means an easy read, yet it is highly recommended for anyone feeling down on their luck. Tolstoy not only helps you understand your own emotions better but also offers inspiring advice on how to deal with them. What makes us humans unique from all other animals, he believes, is the ability to grasp our own impending and inevitable death. While this knowledge can be a terrible burden, it can also inspire us to focus on what is truly important: treating others with kindness.

Urge for action

Credit: Julia Kadel via Unsplash

Because 19th century Russia was an autocracy without a parliament, books were the only place people could discuss how they think their country should be run. While Tolstoy and Dostoevsky made conservative arguments that focused on personal growth, other writers went in a different direction. Nikolay Chernyshevsky, a progressive, treated his stories like thought experiments. His novel, What is to be Done?, explores what a society organized along socialist lines could look like.

What is to be Done?, which Chernyshevsky wrote while he was in prison, quickly became required reading for any aspiring Russian revolutionary. Imbued with the same kind of humanistic passion you may find in The Brothers Karamazov, these kinds of proto-Soviet blueprints painted such a convincing (and attractive) vision for the future that it seemed as though history could unfold itself no other way than how Karl Marx had predicted it would.

"I don't know about the others," Aleksandr Arosev, a Bolshevik who saw himself as the prophet of a new religion, once wrote about his childhood reading list, "but I was in awe of the tenacity of human thought, especially that thought within which there loomed something that made it impossible for men not to act in a certain way, not to experience the urge for action so powerful that even death, were it to stand in its way, would appear powerless."

Decades later, another Aleksandr — Aleksandr Solzhenitsyn — wrote an equally compelling book about the years he spent locked inside a Siberian prison camp. Like Arosev, Solzhenitsyn grew up a staunch Marxist-Leninist. He readily defended his country from Nazi invaders in East Prussia, only to be sentenced to eight years of hard labor once the government intercepted a private letter in which he questioned some of the military decisions made by Joseph Stalin.

In the camp, Solzhenitsyn took note of everything he saw and went through. Without access to pen and paper, he would lie awake at night memorizing the pages of prose he was composing in his mind. He tried his best remember each and every prisoner he met, just so he could tell their stories in case they did not make it out of there alive. In his masterpiece, The Gulag Archipelago, he mourns the names and faces he forgot along the way.

Despite doing time for a crime he did not commit, Solzhenitsyn never lost faith in humanity. Nor did he give in to the same kind of absolutist thinking that led the Soviet Union to this dark place. "If only it were all so simple!" he wrote. "If only there were evil people somewhere insidiously committing evil deeds. But the line dividing good and evil cuts through the heart of every human being. And who is willing to destroy a piece of his own heart?"

The mystery of man

"All mediocre novelists are alike," Andrew Kaufman, a professor of Slavic Languages and Literature at the University of Virginia, once told The Millions. "Every great novelist is great in its own way." This is, in case you didn't know, an insightful spin on the already quite insightful opening line from another of Tolstoy's novels, Anna Karenina: "All happy families are alike, but every unhappy family is unhappy in its own way."

While Russian writers may be united by a prosaic style and interest in universal experience, their canon is certainly diverse. Writing for The New York Times, Francine Prose and Benjamin Moser neatly sum up what makes each giant of literature distinct from the last: Gogol, for his ability to "make the most unlikely event seem not only plausible but convincing"; Turgenev, for his "meticulously rendered but ultimately mysterious characters"; Chekhov, for his "uncanny skill at revealing the deepest emotions" in his plays.

As distant as these individuals may seem to us today, the impact they made on society is nothing short of profound. In the cinemas, hundreds of thousands gather to watch Keira Knightly put on a brilliant ballgown and embody Tolstoy's tragic heroine. At home, new generations read through Dostoevsky's Notes of Underground in silence, recognizing parts of themselves in his despicable but painfully relatable Underground Man.

Just as Tolstoy needed at least 1,225 pages to tell the story of War and Peace, so too does one need more than one article to explain what makes Russian literature so valuable. It can be appreciated for its historical significance, starting a discussion that ended up transforming the political landscape of the Russian Empire and — ultimately — the world as a whole. It also can be appreciated for its educational value, inspiring readers to evaluate their lives and improve their relationships.

Most importantly, perhaps, Russian literature teaches you to take a critical look at yourself and your surroundings. "Man is a mystery," Dostoevsky once exclaimed outside his fiction, reiterating a teaching first formulated by the Greek philosopher Socrates. "It must be unraveled. And if you spend your whole life unraveling it, do not say you have wasted your time. I occupy myself with this mystery, because I want to be a man."

  • For the average person, math seems to play little to no role in their day-to-day life.
  • But, the fanciest gadgets and technologies are all heavily reliant on mathematics.
  • Without advanced (and often obscure) mathematics, modern society would not be possible.

The following is an adapted excerpt from the book What's the Use? It is reprinted with permission of the author and Hachette Book Group.

What is mathematics for?

What is it doing for us, in our daily lives?

Not so long ago, there were easy answers to these questions. The typical citizen used basic arithmetic all the time, if only to check the bill when shopping. Carpenters needed to know elementary geometry. Surveyors and navigators needed trigonometry as well. Engineering required expertise in calculus.

Today, things are different. The supermarket checkout totals the bill, sorts out the special meal deal, adds the sales tax. We listen to the beeps as the laser scans the barcodes, and as long as the beeps match the goods, we assume the electronic gizmos know what they are doing. Many professions still rely on extensive mathematical knowledge, but even there, we have outsourced most of the mathematics to electronic devices with built-in algorithms.

My subject is conspicuous by its absence. The elephant isn't even in the room.

It would be easy to conclude that mathematics has become outdated and obsolete, but that view is mistaken. Without mathematics, today's world would fall apart. As evidence, I am going to show you applications to politics, the law, kidney transplants, supermarket delivery schedules, Internet security, movie special effects, and making springs. We will see how mathematics plays an essential role in medical scanners, digital photography, fiber broadband, and satellite navigation. How it helps us predict the effects of climate change; how it can protect us against terrorists and Internet hackers.

Remarkably, many of these applications rely on mathematics that originated for totally different reasons, often just the sheer fascination of following your nose. While researching this book, I was repeatedly surprised when I came across uses of my subject that I had never dreamed existed. Often, they exploited topics that I would not have expected to have practical applications, like space-filling curves, quaternions, and topology.

Mathematics is a boundless, hugely creative system of ideas and methods. It lies just beneath the surface of the transformative technologies that are making the twenty-first century totally different from any previous era — video games, international air travel, satellite communications, computers, the Internet, mobile phones. Scratch an iPhone, and you will see the bright glint of mathematics.

Please don't take that literally.

There is a tendency to assume that computers, with their almost miraculous abilities, are making mathematicians, indeed mathematics itself, obsolete. But computers no more displace mathematicians than the microscope displaced biologists. Computers change the way we go about doing mathematics, but mostly they relieve us of the tedious bits. They give us time to think, they help us search for patterns, and they add a powerful new weapon to help advance the subject more rapidly and more effectively.

In fact, a major reason why mathematics is becoming ever more essential is the ubiquity of cheap, powerful computers. Their rise has opened up new opportunities to apply mathematics to real-world issues. Methods that were hitherto impractical, because they needed too many calculations, have now become routine. The greatest mathematicians of the pencil-and-paper era would have flung up their hands in despair at any method requiring a billion calculations. Today, we routinely use such methods, because we have technology that can do the sums in a split second. Mathematicians have long been at the forefront of the computer revolution — along with countless other professions, I hasten to add. Think of George Boole, who pioneered the symbolic logic that forms the basis of current computer architecture. Think of Alan Turing, and his universal Turing machine, a mathematical system that can compute anything that is computable. Think of Muhammad al-Khwarizmi, whose algebra text of 820 AD emphasized the role of systematic computational procedures, now named after him: algorithms.

Most of the algorithms that give computers their impressive abilities are firmly based on mathematics. Many of the techniques concerned have been taken "off the shelf" from the existing store of mathematical ideas, such as Google's PageRank algorithm, which quantifies how important a website is and founded a multi-billion-dollar industry. Even the snazziest deep learning algorithm in artificial intelligence uses tried and tested mathematical concepts such as matrices and weighted graphs. A task as prosaic as searching a document for a particular string of letters involves, in one common method at least, a mathematical gadget called a finite-state automaton.

The involvement of mathematics in these exciting developments tends to get lost. So next time the media propel some miraculous new ability of computers to center stage, bear in mind that hiding in the wings there will be a lot of mathematics, and a lot of engineering, physics, chemistry, and psychology as well, and that without the support of this hidden cast of helpers, the digital superstar would be unable to strut its stuff in the spotlight.

The importance of mathematics in today's world is easily underestimated because nearly all of it goes on behind the scenes. Walk along a city street, and you are overwhelmed by signs proclaiming the daily importance of banks, greengrocers, supermarkets, fashion outlets, car repairs, lawyers, fast food, antiques, charities, and a thousand other activities and professions. You do not find a brass plaque announcing the presence of a consulting mathematician. Supermarkets do not sell you mathematics in a can.

Dig a little deeper, however, and the importance of mathematics quickly becomes apparent. The mathematical equations of aerodynamics are vital to aircraft design. Navigation depends on trigonometry. The way we use it today is different from how Christopher Columbus used it, because we embody the mathematics in electronic devices instead of pen, ink, and navigation tables, but the underlying principles are much the same. The development of new medicines relies on statistics to make sure the drugs are safe and effective. Satellite communications depend on a deep understanding of orbital dynamics. Weather forecasting requires the solution of equations for how the atmosphere moves, how much moisture it contains, how warm or cold it is, and how all of those features interact. There are thousands of other examples. We do not notice they involve mathematics, because we do not need to know that to benefit from the results.

Excerpted from WHAT'S THE USE?: How Mathematics Shapes Everyday Life by Ian Stewart. Copyright © 2021. Available from Basic Books, an imprint of Hachette Book Group, Inc.

  • A social enterprise in California makes their franchises affordable with low interest loans and guaranteed salaries.
  • The loans are backed by charitable foundations.
  • If scaled up, the model could support tens of thousands of entrepreneurs who are currently financially incapable of entering franchise agreements.

The underdog challenging McDonald’s & Wall Street | Hard Reset by Freethink

Social responsibility is becoming a major focus of many businesses. While turning a profit is always the ultimate goal — nobody can eat good intentions, after all — having a positive impact on society is becoming an equally important goal.

A restaurant chain in California, already focused on providing healthy food at a competitive cost, is testing a new way to create more entrepreneurs. Specifically, it is working with charitable foundations to provide business opportunities to those who normally would not have access.

Franchising explained

When a company wants to expand without paying all of the upfront costs itself or taking on the entire risk of operating in a new market, it can enter into a franchise agreement with an entrepreneur. In exchange for a share of the profits (as well as some fees and adherence to certain quality standards), the entrepreneur — now a franchisee — can open their own branch of a larger brand. The entrepreneur enjoys the benefits of owning a business, while the brand owner can cash in on intellectual property.

Everybody wins.

This model is wildly successful. There is a reason you can find fast food joints like McDonald's everywhere from Times Square to Prague (next to the Museum of Communism, no less). According to the International Franchise Association, there were more than 733,000 franchised business establishments in the United States in 2018, accounting for nearly 3 percent of GDP.

The franchise model — in which a local agent keeps some earnings while handing over a portion to a central authority — isn't new. Indeed, variations have been around since the Middle Ages, though it only took off after WWII. Franchising is now a recognized system in many countries and is used in all manner of industries, including restaurants, pet supply stores, automotive repair shops, hotels, and even senior care.

The Catch-22: you have to spend money to make money

The biggest problem with franchising is the high cost of becoming a franchisee.

While the costs vary, opening a restaurant as a franchisee can easily cost $500,000. A franchise car repair shop can require $250,000, and opening a hotel under a franchise's banner can set a person back millions. In some cases, the franchiser also will set a minimum net worth requirement or insist that the money that pays their fees not be borrowed. Even if a person can find a way around that, most new businesses do not turn a profit for quite some time after opening. These limitations essentially rule out all but the wealthy from becoming a franchisee.

As a result, there are some social enterprises that are looking to make franchising more accessible to the less affluent.

Enter Everytable

Everytable is a social enterprise based out of Los Angeles that is attempting to make rapidly prepared healthy food as affordable as more common, less nutritious options. The company prioritizes both financial and social goals, and it is known for preparing all meals at a central location and driving them to franchise locations in Los Angeles to remove the costs of keeping a kitchen in each store. They also sell meals at widely different prices based on the income of the neighborhood in which the store is located.

As a business that hopes to rapidly expand, they looked to franchising. However, the idea of seeking out a bunch of rich people to support a business like theirs struck CEO Sam Polk as out of step with its vision. So, the company came up with a better idea.

Their Social Equity Franchise Program helps tenured Everytable employees open their own franchise locations through free training and assistance in securing low interest loans to finance the store. To help the entrepreneurs survive the difficult early years, participants in the program are assured an income of $40,000 in their first three years of operations. Repayments on the loans do not begin until after the business is turning a profit.

The capital for all these low interest loans comes from a number of foundations such as the California Wellness Foundation (Cal Wellness). Foundations like these are required to give away a small portion of their endowments every year on causes aligned with their missions. However, most of the rest of it is simply invested in the stock market to assure the endowment continues to exist.

People like Cal Wellness CEO Judy Belk have begun to invest that money elsewhere, like in loans to provide the money needed to open an Everytable franchise. As she explained to FreeThink:

"Cal Wellness and many other foundations are saying, 'I think we can do a little better with that [money]. Why not use that capital to invest in the communities that we're supposed to serve?'"

In the end, Everytable gets a new restaurant that expands the brand, foundations get returns on their investment, and the franchisee gets an opportunity that they likely never would have had without the program.

Everybody wins.

Expanding the Everytable model

If even a small share of the $2 trillion foundations in the U.S. have are invested into this sort of social cause, tens of thousands of loans could be given to those less affluent people who are looking to start a business. While this model likely would lower returns to institutional investors like charities, they could enjoy more tangible results in the communities they exist to serve. According to a report published by the Federal Reserve Bank of Atlanta, local entrepreneurship increases income and employment and decreases poverty.

At the individual level, this would help a lot of people who otherwise never would be able to seriously consider going into business for themselves. By a number of measures, business owners make more than wage workers and can also claim ownership of the assets that comprise the business. Beyond that, many small business owners enjoy the non-financial benefits of their position as well, including the independence and autonomy that often come with business ownership.

When working optimally, good business is good for society.

    • Gamification is the process of incorporating elements of video games into a business, organization, or system, with the goal of boosting engagement or performance.
    • Gamified personal finance apps aim to help people make better financial decisions, often by redirecting destructive financial behaviors (like playing the lottery) toward positive outcomes.
    • Still, gamification has its risks, and scientists are still working to understand how gamification affects our financial behavior.

    - YouTube

    The human brain is a pretty lazy organ. Although it's capable of remarkable ingenuity, it's also responsible for nudging us into bad behavioral patterns, such as being impulsive or avoiding difficult but important decisions. These kinds of short-sighted behaviors can hurt our finances.

    However, they don't hurt the video game industry. In 2020, video games generated more than $179 billion in revenue, making the industry more valuable than sports and movies combined. A 2021 report from Limelight Network found that gamers worldwide spend an average of 8 hours and 27 minutes per week playing video games.

    Good at gaming, bad at saving

    It's not necessarily bad that Americans spend millions of dollars and hours on video games. But consider another set of statistics: 25 percent of Americans have no retirement savings at all, while roughly half are either living "on the edge" or "paycheck to paycheck," according to a recent report on the Financial Resilience of Americans from the FINRA Education Foundation. Meanwhile, experts predict that Social Security funds could dry up by 2035.

    So, why don't people save more? After all, the benefits of compounding interest aren't exactly a secret: Investing a few hundred bucks every month would make most people millionaires by retirement if they start in their twenties. However, the recent FINRA report found that many Americans have alarmingly low levels of financial literacy, a topic that's not taught in most public schools.

    Even for the financially literate, saving money is psychologically difficult

    But what if we could infuse the instant gratification of video games into our long-term financial habits? In other words, what if finance looked less like an Excel spreadsheet and more like your favorite video game?

    A growing number of finance applications are making that a reality. By using the same strategies video game designers have been optimizing for decades, gamifying personal finance could be one of the most efficient ways to help people save for the future while reaping instant psychological rewards. But it doesn't come without risks.

    What is gamification?

    In simple terms, gamification takes the motivating power of video games and applies it to other areas of life. The global research company Gartner offers a slightly more technical definition of gamification: "the use of game mechanics and experience design to digitally engage and motivate people to achieve their goals."

    The odds are you have encountered gamification already. It's utilized by many popular apps, websites, and devices. For example, LinkedIn displays progress bars representing how much profile information you have filled out. The Apple Watch has a "Close Your Rings" feature that shows how many steps you need to walk to meet your daily goal.

    Brands have used gamification to boost customer engagement for decades. For example, McDonald's launched its Monopoly game in 1987, which essentially attached lottery tickets to menu items, while M&M's gained consumer attention with Eye-Spy Pretzel, an online scavenger hunt game that went viral in 2010.

    In addition to marketing, gamification is used in social media, fitness, education, crowdfunding, military recruitment, and employee training, just to name a few applications. The Chinese government has even gamified aspects of its Social Credit System, in which citizens perform or refrain from various activities to earn points that represent trustworthiness.

    Finance is arguably one of the best-suited fields for gamification. One reason is that financial data can be easily measured and graphed. Perhaps more importantly, financial decisions occur in the background of almost everything we do in modern life, from deciding what we eat for lunch to where we are going to spend our lives.

    Gamification doesn't just make boring stuff fun; it's also an effective way to change our behavior. Used properly, it can also disrupt our habits.

    The nature of habits

    It's tempting to think that we make our way through life by thoughtfully considering the information before us and making sensible choices. That's not really the case. Research suggests that about 40 percent of our daily activities are performed out of habit, a term the American Journal of Psychology defines as a "more or less fixed way of thinking, willing, or feeling acquired through previous repetition of a mental experience."

    In other words, we spend much of our lives on autopilot. From an evolutionary perspective, it makes sense that we rely on habits: our brains require a lot of energy, especially when we're faced with tough decisions and complex problems, like financial planning. It's relatively easy to rely on learned behavioral patterns that provide a quick, reliable solution. However, those patterns don't always serve our long-term interests.

    Saving money is a good example. Imagine you have $500 with which to do whatever you want. You could invest it. Or you could go on a shopping spree. Unfortunately, the brain doesn't process these two options the same way; in fact, it actually processes the investing option as something like a pain stimulus.

    Why gamification works

    Saving is painful. But can't people simply choose to be more financially responsible? In short: Yes, but it takes a lot of effort. After all, when it comes to changing behavior, willpower is only part of the equation.

    Some psychologists think willpower is a finite resource, or that it's like an emotion whose motivational power ebbs and flows based on what's happening around us. For example, you might establish a monthly budget and stick to it for a couple weeks. But then you get stressed. The next time you're out shopping, you might find it harder to resist making an impulsive purchase in your stressed-out state.

    Pixel Art Lootvlasdv via Adobe Stock

    "A growing body of research shows that resisting repeated temptations takes a mental toll," the American Psychological Association writes. "Some experts liken willpower to a muscle that can get fatigued from overuse." In the terminology of psychology, this is called ego depletion.

    Gamification offers a way to outsource your willpower. That's because games offer psychological rewards that can motivate us to perform certain actions that might otherwise have seemed too boring, taxing, or emotionally draining. What's more, gamifying parts of your life is less of a change of mind and more of a change of environment.

    A 2017 study published in Computers in Human Behavior noted that "enriching the environment with game design elements, as gamification does by definition, directly modifies that environment, thereby potentially affecting motivational and psychological user experiences."

    The study argued that games are most motivational when they address three key psychological needs: competence, autonomy, and social relatedness. It's easy to imagine how games can tap into these categories. For competence, games can feature badges and performance graphs. For autonomy, games can offer customizable avatars. And for social relatedness, games can feature compelling storylines and multiplayer gameplay.

    Gamification and the brain

    Games can motivate us by satisfying our psychological needs and giving us a sense of reward. From a neurological perspective, this occurs through the release of "feel-good" neurotransmitters, namely dopamine and oxytocin.

    "Two core things have to happen in the brain to influence your decision-making," Paul Zak, a neuroscientist and professor of economic sciences at Claremont Graduate University, told Big Think. "The first is you have to attend to that information. That's driven by the brain's production of dopamine. The second thing, you've got to get my lazy brain to care about the outcomes. And that caring is driven by emotional resonance. And that's associated with the brain's production of oxytocin."

    Cheerful Father And Son Competing In Video Games At HomeProstock-studio via Adobe Stock

    When released simultaneously, these neurotransmitters can put us into a state that Zak calls "neurologic immersion." In this state, our everyday habits have less control over our behavior, and we're better able to take deliberate action. It's an idea Zak and his colleagues developed over two decades of using brain-imaging technology to study the nature of extraordinary experiences.

    As he wrote in an article published by the World Experience Organization, neurologic immersion can occur when experiences, including video games, are unexpected, emotionally charged, narrowing one's focus to the experience itself, easy to remember, and provoking actions.

    "The components of the extraordinary come as a package, not in isolation from each other," Zak wrote. "It's the 'action' part that is key to finding immersion. Extraordinary experiences cause people to take an action, whether it's donating to charity, buying a product, posting on social media, or returning to enjoy an experience again."

    Games can invoke these types of immersive experiences.. But how exactly are financial organizations using gamification to help people "level up" their financial futures?

    Gamifying personal finance

    Banks and financial companies have been using gamification for years. What started with simple concepts, like PNC Bank's "Punch the Pig" savings feature, has evolved into a diverse field of games that are helping people stick to budgets, save money, and pay off debt.

    What's surprising about the gamification of personal finance is that some of the most successful apps are redirecting destructive financial behaviors, like buying lottery tickets, toward positive outcomes. One example is an app called Long Game, which uses an approach called "lottery savings."

    "People actually really love the lottery," Lindsay Holden, co-founder and CEO of Long Game, told Big Think. "The lottery today is a $70-billion-dollar industry in the U.S., and the people that are buying lotto tickets are the people that least should be buying lotto tickets. And so how can we redirect that spend into something that's helping them in their lives?"

    Long Game's answer is to encourage users to make automatic or one-time investments into a prize-linked savings account. As users make investments, they earn coins that can be used to play games, some of which offer cash prizes. But unlike the real lottery, the prize money comes from banks that are partnered with Long Game, meaning users can't lose their principal investment.

    Blast is a savings app aimed at traditional gamers. The platform lets users connect a savings account to their video game accounts. Users then set performance goals in the video games, such as killing a certain number of enemies. Accomplishing these goals triggers a pre-selected investment into the savings accounts. In addition to earning interest, users can also win prize money by accomplishing certain missions or placing high on public leaderboards.

    "Gamers tell us they feel better with the time they spend gaming when they know they are micro-saving or micro-earning in the background," Blast co-founder and CEO Walter Cruttenden said in a statement.

    Young gamer playing a video game wearing headphones.sezer66 via Adobe Stock

    Fortune City takes a different approach to gamified finance. The app encourages users to track their spending habits, which are represented by visually appealing graphs. As users log expenses, they're able to build buildings in their own virtual city. The expense categories match the types of buildings users can construct; for example, buying food lets users construct a restaurant. It's like "SimCity" meets certified public accountant.

    The risks of gamification

    Gamifying your finances might help you save money, but it doesn't come without risks. After all, receiving extrinsic rewards when we perform a behavior can affect our intrinsic motivation to repeat that behavior both positively and negatively. It's a phenomenon called the overjustification effect.

    In addition, gamified finance apps can also be addictive and encourage risky financial behavior. Robinhood, for example, uses visually appealing performance metrics and lottery-like game elements to incentivize the trading of stocks and cryptocurrencies. But while investing in these assets might be a good financial decision for some people, Robinhood arguably encourages its users to be "players" in the difficult world of trading, not necessarily rational investors.

    What's more, gamification doesn't seem to work for everyone.

    "From social psychology and behavioural economics, we know that the most likely [result of] gamification [is that you] will motivate some people, will demotivate other people, and for a third group there'll be no effect at all," noted a 2017 study on gamification and mobile banking published in Internet Research.

    But given that 14.1 million Americans are unbanked, and millions more struggle with financial literacy, it's reasonable to think that gamified finance apps could help many people work toward financial independence.

      "One of the most interesting things we've found is that people want help when it comes to making difficult decisions," Zak told Big Think. "In my view, any app that helps you be a more effective saver is probably a good app. But I think we have to do a lot more work to really understand the underlying neuroscience of gamification. And so we need to continue to design games that teach you more about how to 'level up in life,' not just level up in the game."