something to learn in world

  A Deep Dive into the Bank of Korea’s Financial Stability Report (2025) In its latest Financial Stability Report , the Bank of Korea sent a sharp warning: South Korea may be heading toward a financial crisis—potentially more severe than 2008. While some may dismiss this as mere fear-mongering, the data tells a different story . Rising delinquency rates, surging non-performing loans (NPLs), and vulnerable non-bank financial sectors all suggest that we may be approaching a systemic financial breakdown. Let’s break down the core indicators, the underlying risks, and what ordinary citizens should know—and do—before it’s too late. 🏦 1. Corporate Loan Delinquency Rates Exceed 2008 Crisis Levels During the 2008 global financial meltdown, South Korea’s corporate loan delinquency rates hovered between 2.5% and 5%. Fast forward to 2025: this number is now nearing 3% and rising. Alarmingly, this rise is evident even in major commercial banks , signaling a much broader risk beyond the subp...

 In a world that often feels overwhelming and unpredictable, the idea that we are the ones choosing our behaviors—even our emotions—can feel both radical and empowering.  This is the core premise of Choice Theory , developed by American psychiatrist William Glasser . Rather than viewing people as passive victims of circumstance, Glasser urges us to see ourselves as active agents in our own lives. Let’s explore how Choice Theory reshapes the way we understand behavior and relationships, and how the WDEP system , a structured counseling model based on this theory, can help us create meaningful, lasting change. 💡 What Is Choice Theory? At its core, Choice Theory posits that all human behavior is a choice . According to Glasser, we make choices to meet five basic psychological needs: Survival – physical well-being, food, shelter, safety Love and Belonging – connection, relationships Power – achievement, competence, recognition Freedom – independence, autonom...