Simon Ings, editor of Arc and science fiction writer, and a former Tomorrow's World presenter and BBC science presenter Maggie Philbin discuss the science of futurology.

When the fledgling Consumer Financial Protection Bureau recently collected consumer complaints about credit cards, one of the over-arcing themes was confusion over the terms of the cards. Whether consumers were complaining that their interest rate suddenly went up or that they were charged a penalty fee, it often came down to one thing: they didn't understand the contract. And in credit card land, using the card constitutes agreeing to the contract, so you're stuck.