I'm in favor of saying the next crisis is in Junk Bonds... issued by oil and mining and every conceivable large company that over spent on risky exploration and stock buy back programs... watch a multitude of companies fade away to irrelevance or cease to exist. In other words, irresponsible financial actions at the top of these companies that had executives unable to protect pennies acting as though prices would stay up forever, such as oil, now demonstrably unable to take care of dollars (BILLIONS!!!).