Should have also mentioned the highest geo-political risk environement in decades including the risk of a new President in US which is never initally good for lowering tensions as they aren't yet tested. Hopefully the new President will not be a constant failure like Obama who leaves the world and his country a much messier & distressed place than when he appeared. His lack of leadership approach (leading from far behind) and inability to form productive deals internally and externally has been nothing short of a disaster for everyone accept his inner circle, the 1% class, military industrial complex and banksters with markets as totally broken as peoples lives around the world.

The future has to be better, doesn't it!!!???