No experts out there know the future.
neurotypical, your example is a good illustration of why you should not follow the crowd. I suspect your co-worker is not stupid. They may be great at what they do.

therefore we must really pay attention to the allocation of bounty first before taking the action.

Hanging out with people who do not use drugs is the right choice to get away from drugs.

Not all the time, but most of the time. You can read other reviews too, to see what other people think, I hate the crowd so online shopping seems more accessible and more choices and a few times, cheaper.

it is very romantic, if my day is the most important money for the future of children and their happiness.

XRP is present in many market places. Thus, its value must be moved exponentially in one way or another by this "news", that for the actual cryptocurrency situation, it is far from bad (99% of the available cryptocurrency owners will cut their balls for this kind of partnership). I have been considering buying XRP since I started investing in cryptocurrency.

I truly believe that most people, myself included, have a hard time understanding what a block chain technology is and how it functions, One of the reasons I'm here, because I believe in cryptocurrenciy and I want to learn about new technology in society us and how it helps our world to move forward.