MF4; Hard times are coming, I have no doubts about that. Except maybe for bankruptcy lawyers. There will be waves of municipal and county bankruptcies, business bankruptcies and individual bankruptcies. There is so much debt out there that it can never be repaid. Some great reset will occur. Predicting what nature it will take is above my pay grade. We will need a Fed Chairman and a Treasury Secretary that are willing to act as adults and remove the punchbowl once and for all. We have got to learn to live within our means, either by surrendering even more money to the tax man or by demanding less benefits to be charged to future generations. We are not beyond salvation yet. But its getting close.
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