The Fine-Tuning Problem
The fine-tuning problem is just that the laws of physics describing the universe seem to be fine-tuned so as to allow life to exist. While trying not to be too parochial in our assumptions about what life requires to exist, at least in a universe even vaguely like ours, it seems reasonable to assume that it must at least have time and a stable environment in which to evolve, access to sources of energy and a varied assortment of building blocks from which to assemble itself.
But if the physical constants were slightly different, then perhaps stars, heavier elements or atoms could not have formed. Perhaps the universe would never have expanded from its initial hot, dense state, or would have recollapsed too quickly, or perhaps it would have expanded too quickly for particles to come together at all. When we say the universe appears to be fine-tuned, we are claiming that it appears to be delicately balanced so as to allow complex evolving self-replicators (i.e. life) to exist -- that almost any tweak we imagine to the constants or the laws of physics would result in a simpler, lifeless universe. This curious observation seems to demand an explanation.