Ron you did it again with another excellent article that makes you think. You also called attention to the repeal of Glass Steagall, which opened up the “bubbly machine.” I commend you for mentioning the Gramm-Leach-Bliley Act in 1999, which I rarely if ever see mentioned. With global money printing now universal, I expect a meltdown or “crisis” of one sort or another at the convenience of governments: no time table in my mind. Again, I appreciate your article on this subject. When a crisis comes it will be an opportunity for astute financial analyst advisors to protect their clients. Many employers will still be playing musical chairs.