That is some real doom and gloom stuff Mr. Sinclair wrote. I'm not saying it won't happen, but, I hope that really isn't what we have to look foreward too. What I never hear is how to avoid this from happening. Are we past the point of no return? Nobody has the answer. Sad part is we have to sit back and watch it happen. Most of us don't have the money to just pick up and move to Shangri La, wherever that might be. Wow this just ruined my day !!!!!! Think I'll have a nice stiff drink !!