Greg: you were one of the first people to really open my eyes years ago to what was taking place in the financial world. Friends and family have been calling me chicken little, Mr. negative, and a lot of other very uncomplimentary names for years because I have been trying to warn them about what is coming. For my own sanity I quit the discussions with most people. That normalcy bias is a brutal thing to over come. I really believe we're in the thick of it now and the sheep better wake up. The hour is late.