Phobos

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I read an interesting fact today that I wasn't previously aware of: Phobos, the innermost of the martian moons, is spiralling ever closer to the surface of mars at a rate of 18 cm a year. This means that in 40 Million years (give or take a few weeks) phobos will crash into the surface of mars. This I imagine will be a particularly spectacular event but it got me thinking of future human habitation of Mars. Surely this would be a global-extinction level event. Do you think its too late to call off the terra-forming?!?!?