Love your stuff. I'm a conspiracy guy too and there's a big one afoot. I'm in Canada and the recent announcements by the Bank of Canada and the lowering of interest rates is a huge trap for consumers. When the rates change due to "the outlook for inflation" the axe will fall. For the first time in Canada, our savings/earnings ratio is at -.5%, which means we spend more than we make and now the Gov't. is encouraging more spending. We are copying the same recipe for disaster that created the financial debacle in the USA. Of the First World countries, our economy is currently at the top with the best-rated banking system in the world. I guess the Big Boys have to create a financial disaster so as to soften us up to accept their plausible solution - maybe a North American Union and a common currency with USA and Mexico.