To make this more dramatic, let me write this out in more everyday notation. The entropy per baryon in the CMB is around 1 000 000 000, whereas (according to the above estimate), the current entropy per baryon is about 1 000 000 000 000 000 000 000, this being mainly in black holes. Moreover, we must expect these black holes, and consequently the entropy in the universe, to grow very considerably in the future, so that even this number will be utterly swamped in the far future. Thus, our conundrum takes the form of the question: how can this be squared with what has been said in the early
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