Despite these needs, the reality is that more than half of the estimated 2.7 billion working age adults globally are excluded from formal financial services. Poor families, as far as access to financial services is concerned, are doubly penalised. They need financial access more than we do, but they only have access to inferior informal services.

There is no such thing as a body in the deeper reality, nor is there such thing as a universe – these are simply constructs for species-specific modalities of experience.

Uncle John always had a desk-plate in his office that said 'trouble is opportunity' and that's very much how we see the markets.

Let's not forget that currencies today are based on good will not gold reserves.

The scenario I am describing would involve a relatively sharp collapse of the dollar, which I would qualify by stating that if the same policies are undertaken in U.K., Japan and continental Europe, the collapse of the dollar may not be reflected in exchange rates between these currencies, as all would collapse at same time.