  We discuss the recent model of a Quantum Mechanical Black Hole (QMBH) which
describes the most fundamental known particles, the leptons and approximately
the quarks in terms of the Kerr-Newman Black Hole with a naked singularity
shielded by Zitterbewegung effects. This goes beyond the Zitterbewegung and
self interaction models of Barut and Bracken, Hestenes, Chacko and others and
provides a unified picture which amongst other things gives a rationale for and
an insight into: 1. The apparently inexplicable reason why complex space-time
transformations lead to the Kerr-Newman metric in General Relativity. 2. The
value of the fine structure constant. 3. The ratio between electromagnetic and
gravitational interaction strengths. 4. The anomalous gyromagnetic ratio for
the electron. 5. Why the neutrino is left-handed. 6. Why the charge is
discrete. In the spirit of Effective Field Theories, this model provides an
alternative formalism for Quantum Theory and also for its combination with
General Relativity. Finally a mechanism for the formation of these QMBH or
particles is explored within the framework of Stochastic Electrodynamics, QED
and Quantum Statistical Mechanics. The cosmological implications are then
examined. It turns out that a surprisingly large number of facts, including
some which were hitherto inexplicable, follow as a consequence of the model.
These include a theoretical deduction of the Mass, Radius and Age of the
Universe, also the values of Hubble's constant and the Cosmological constant.
