Bruce Thomas, Essex Bank CFO presented an extremely detailed and persuasive perspective of the global financial situation and the concern for the health of our financial heritage for future generations. Bringing together current market data including GDP, debt levels, oil prices, dollar exchange rates, inflation, interest and bond rates paints a complex and worrying picture without inherent solutions. Increasing interest rates would trigger massive debt failures and be catastrophic. Many markets outside the US now have negative interest rates! Sobering unknown financial territory!