"If the day were the last day of my life, what i want to do what i am about to do today? and whenever the answer has been "No" for to many day in a row, i know i need to change something" Steve Jobs
The mother of all evils is speculation, leverage debt. Bottom line, is borrowing to the hilt. And I hate to tell you this, but it's a bankrupt business model. It won't work. It's systemic, malignant, and it's global, like cancer.