Freedom Vision's Outline Medium

8/14/2019 Freedom Vision's Outline Medium

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Its not WHAT backs our money, its WHO controls the QUANTITY!

- Bill Still

FREEDOMS VISION OUTLINE

KEY CONCEPT: Deleveraging the bogus paper economy gives the world an opportunity to turnthe deflationary forces of clearing out the leverage into a counter force and directional change.Our world economy is built on an unsustainable platform of debt and leverage. One way oranother, this over-leveraged system is going to crash and be replaced by something else. Thosewho believe in the march of human freedom have a historic opportunity to guide humankind into anew money system which is sustainable because it isjust.

Based upon a program that realistically controls the quantity of money, the monetary needs of theworld can be satisfied, while also allowing the prices of goods and services to remain steady,overall andover time. Real economic growth is thus enabled, but growth in prices is not. Shocksare absorbed, but then cleansed. In this way, a dynamically stable and enduring system is built.

The outline presented below is simply a starting point. No one can possibly have all the answers and therefore we

are very open to input and suggestions to improve this program and to flesh it out. Coming up with the right

answers is a process, and even during implementation will require adjustments. Your constructive help is

requested. Once the possibility becomes clear, YOU must take action to ensure its implementation!

There are THREE KEY PROPOSALS that form Freedoms Vision, a return to a stable,productive, and prosperous United States:

1. Monetary Reform We must replace our unjust, debt-backed money system and cleansedebt and derivatives without creating severe inflation or deflation; without creating asupreme moral hazard; and without crashing the entire global economic system in theprocess.

2. Political Reform We must exclude large special interests from political decision-making.Removing this influence will accomplish a great deal in ensuring that the quantity ofmoney remains under control and that politicians can go back to working and thinking onbehalf of the people, not just in the short term, but also in the long term.

3. Direction for the Future A change of direction is clearly needed. We are rudderless, andwithout proper goals to move forward our economy and society will continue to drift.While we feel this is desperately needed, we are focusing on the first two for now. Whensuccessful with the other two, the third will follow, but we need to be thinking aboutdirection now!


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Below is a partial list ofbenefits that may not be so obvious from reading through FreedomsVision. This plan, taken one piece at a time, is as simple and as close to our current system as itcan be while still producing the benefits described below. There are many other issues that couldbe addressed, like tax reform, but those issues will be easier to manage once monetary and politicalreforms are enacted:

1. Avoid the disaster about to unfold regardless of how we get there, by inflation ordeflation, the math of debt that underlies our currency does not work. This would breakthat math and preempt the negative events that are going to follow should we fail to takeaction.

2. No more debt backed money for our Federal Government. Lower taxes and moreproductivity result.

3. Direct and immediate relief for people in debt, accomplished in a way thats fair toeveryone including those who are not in debt and without creating a giant moral hazard.

4. Direct and immediate compensation for those who are savers and have been damaged bypast practice.

5. Unfunded liabilities would immediately get better with zero percent price inflation target.6. Limits on special interests would separate their money from politics lessening the pressure

to continually increase the quantity of money. This allows long term decision making.Special interests associated with the banking, oil, defense, food, insurance, and otherindustries would no longer have their huge pull. Thus politicians would not have to focuson spending our resources on special interests, but instead on the interests of the people.Budget pressures would decrease as a result.

7. States would exercise more control over their own destiny. Lower taxes on the state level,more productivity. Low cost money would become available to repair and upgrade currentinfrastructure and to build the infrastructure of tomorrows commerce.

8. The powers possessed by the central banks would be greatly diminished freeing ourcountry and others from their methods of control via debt now issued worldwide by theIMF. Countries would no longer be working to pay central banks interest, instead theirproductive labors could be used to feed and to enrich themselves.

9. No price inflation eroding away future savings. People who take on reasonable debt couldonce again make progress towards paying it off.

10.Cleanses the banks and financial businesses of unserviceable debts and derivatives.11.Massively supports education, underpinning progress so that we may continue to lead the

world in innovation and the production of meaningful technologies.

12.Provides a national mission - focused on creating the energy and infrastructure of thefuture. Not just controlled by the government, but projects seeded by the government andeventually turned over to new enterprise. Massive new employment would result.


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1. Introduction:

Please view our introduction, found here:FREEDOM'S VISION - Introductionhttp://economicedge.blogspot.com/2009/12/freedoms-vision-introduction.html

You can also find information about SWARM POLITICS here:

http://economicedge.blogspot.com/2009/12/freedoms-vision-swarm-politics.html

2. Need/ what is happening?a. Bad math the result of interest bearing debt backed money.b. Current transfer of wealth who is benefitting, who is losing.

i. Rule of Law is not being followed, is extremely important.ii. Flow of capital moves to where capital is treated best, the entire globe isnow connected.

c. Capital flows, stress moves from one to the others.i. Debt markets

ii. Equitiesiii. Commoditiesiv. Currencies

d. The Liquidity Pyramid and the web of debt. Current system is unstable, we needa dynamically stable system, one that has the tendency to self correct turn thispyramid upside down.

e. Middle class squeeze why is this occurring?f. Lack of adult leadership.g. Lessons of history, future w/o change, where were headed.h. Issues are being boxed in politically Democrats vs. Republicans, and monetarily

Debt Based Fractional Fiat vs. Gold Standard.
http://economicedge.blogspot.com/2009/12/freedoms-vision-introduction.htmlhttp://economicedge.blogspot.com/2009/12/freedoms-vision-swarm-politics.htmlhttp://economicedge.blogspot.com/2009/12/freedoms-vision-swarm-politics.htmlhttp://economicedge.blogspot.com/2009/12/freedoms-vision-introduction.html


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i. The math of debt-backed money/ Debt Saturation on all levels/ future incomespulled forward in time. Those closest to inflation win, those furthest from it lose.Debt backed money requires more and more money and that means more debt.Take a look at the following chart showing the horizontal zero line in thickerorange, the population growth horizontally just above it (growing at roughly 1%),

with money supply and inflation figures the squiggly lines. The preponderance oftime is spent with money supply and inflation well above the zero point and therate of growth in population. Why does this happen? Because it must happen tofeed the interest going to private bankers:

j. The current method to supposedly create jobs is to create a ton of debt backedmoney and throw it towards programs like cash for clunkers and cash forcaulkers. To say that this is ineffective at creating jobs is the understatement ofthe century. There is an unacknowledged and direct correlation between debtlevels and employment as a society gets closer to debt saturation the higher thelevel of debt, the higher the level of unemployment.


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3. Historyk. The importance of our money system cannot be overstated. People need to be

aware of the history of money as outlined in the Secret of Oz.l. The rise of corporations and their money have entangled politics.m. Who are the FED and Treasury, what are their functions?n. How money is currently debt based and fractional the web of debt/ debt

saturation.o. How does money influence politicians and decision making?p. Track record of debt backed money and gold backed money neither has beensuccessful in history, why?q. The term FIAT is misused. All money mutually agreed upon is by decree. Its

the other features of money that need to be evaluated whatbacks it, whocontrols the quantity, how the quantity is controlled,fractional to what extent, etc.

r. People who support gold backed money are good intentioned but fail to see howthe quantity of money gets manipulated, thus resulting in eventual failure. TheConstitution does not state that our money should be gold; it says that states shallrepay their debts with gold or silver something that has never happened.

4. Why the American Party and What are the American Party Papers?s. Democrats and Republicans receive campaign money from special interests andare paid with the current debt-backed money system. Therefore working within

the current two parties appears difficult from the inside.t. As you will see, our solutions are outside of the current Republican/ Democrat

box. Our goal is to get these solutions implemented, not merely to shape adiscussion.


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u. Monetary reform must work in concert with political reform or it wont besustainable over long periods of time.

v. Reform and money to support this effort must come from the PEOPLE for buy in.w. The people need a source of unbiased truth telling Freedom, truth, and

transparency are principles that the people will immediately recognize and

respond to.x. The American Party Papers concept comes from the Federalist Papers that werewritten largely by Hamilton and Madison regarding the intent of our Constitution.The foundation of these concepts needs to be explained and discussion shouldfollow. We welcome anyone to submit well thought out arguments for or againstthe proposals submitted herein so that a dialog may begin to flow.

y. SWARM POLITICS is our way to achieve small victories one at time. Thosevictories will grow and turn into a populist movement.

z. Freedom is the overarching principle. Survival of the Species and theadvancement of the human race is the Mission Statement Goals should fall outfrom those principles.

5. MONETARY REFORM (the word politician below includes all elected andappointed government representatives on all levels of government, including judges andmembers of the military. The term Congress generally means the entire legislativebranch unless the power is already specifically Congresss. Exact legal wording will berequired).

A. Deleveraging debt and derivatives creates the OPPORTUNITY to reform themoney system so that future dollars are spent into existence on the National levelthereby eliminating Treasury debt.

i. The deleveraging process will create deflationary forces, and thusinflationary forces must balance during the transition.

1. The moral hazard was created when debt and the quantity ofmoney were allowed to grow out of control; our plan simplyreturns us to a workable system and a future of stability andprosperity.

2. Reforming the monetary system is a balancing act, especially whiletransitioning from the current system to a new one, but it will bedynamically stable after the transition.

FEDERAL LEVEL CHANGES:Ultimately Congress has the Constitutional responsibility and authority to enact, change,or abolish the procedures below that is the rule of law. Since these proposals areushered in by a populist movement, the power and wishes of the people should not beforgotten or ignored least the people be forced to act again.


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A. The Federal Reserve System must be either reconfigured or abolished. The goal isto get rid of the national debt and to spend non debt-backed money into existenceinstead of paying private banks intereston deficits that they labor to expand.

i. Twelve Federal Reserve Banks either moved under Treasury jurisdiction ortheir functions replaced by State Banks using the model of North Dakota.ii. The free markets set interest rates they would be completely market driven.The government could lend money under certain conditions to the private orstate banks at a fixed interest rate less than the rate set by the market (forexample, market rate minus 2%).

iii. As credit dollars are removed, they are replaced with new Treasurynotes. This replacement needs to occur at approximately the same rate thatleverage is removed from the system via the removal of debt, derivatives, andthe reinstitution of limits on fractional ability. There must be a final transitiondate where treasury debt no longer exists. What will then be left is a mix ofREAL non-credit backed money and credit dollars from the banking system

which are limited. This transition will eliminate the current Federal Debt.However, it does not eliminate State, lower governmental, corporate, orpersonal debt and thus some credit dollars will remain, the ratio of real tocredit dollars, however, will be substantially reduced. Paying off Treasurydebt means that both foreign and domestic holders of Treasury bonds andnotes are paid back with dollars. They then are free to use their dollars as theywish.

B. We must create an Independent Panel (IP) responsible for controlling theQUANTITY of money. Congress would apportion where the money goes, butthey would agree that the Independent Panel (IP) would control the QUANTITY(not the same as a balanced budget, the IP would provide a spending target rangethat Congress would agree to stay within). This IP could be located within what wenow call the Fed, but the internal structure would be much different in that the panelwould consist of seven panel members, one of which would act as Panel Director(PD). There would also not be the current 12 reserve banks (they would either existunder the Treasury or their functions would move to State Banks). This panel mustbe completely independent and without influence from all other agencies. Thecomposition of this panel is not critical as they have a single mission, a single tool,and can easily be held accountable for meeting or not meeting their goals.

1. The IP would have a single mandate in regard to quantity; that is toadjust the money supply to produce ZERO PRICE INFLATION the supply of money would adjust up or down to meet this mandate.This would allow the economy to expand with REAL economic growth,population growth or to absorb shocks. It would also present aMANDATORY mechanism to remove excess money and to preventPRICE inflation stable prices are the goal, the center of the operatingenvelope. The IP would receive their data from the IDP (IndependentData Panel), but would remain isolated from them.


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In this way the cost to build a $200,000 home today would be $200,000twenty years from now. People could actually make progress on theirmortgages again and their savings would not be eroded away. Therewill be no advantage to either saving or spending in regards to PRICE

inflation, only the time value of money at free market interest rateswould be a consideration.

Panel members shall be selected by State Governors whose states aredrawn at random via a lottery. Seven state Governors choose the initialseven panel members who are confirmed or denied with Congressionalhearings. Should a states candidate be denied, another lottery will beheld to replace them. All such vacancies will be filled in this manner.

One way to ensure the IP stays neutral and meets their mandate is toremove and replace the panel Director should PRICE inflation occur at

+/- 3% for two consecutive quarters (+/- 4% during declared nationalemergency or war). The remaining panel members vote on and choosetheir own Director. Should PRICE inflation or deflation continueoutside the range for two more consecutive quarters (4 total), then threeof the remaining panel members will be removed by the new director.Otherwise there are no term limits for panel members and no statedqualifications. However, they must meet the rules proposed in thesection separating special interests from government.

The IP has access to a $2 trillion Treasury Reserve Account (TRA) toabsorb emergencies such as acts of war or Katrina like disaster situationsas outlined in the TRA section below.

C. We must create an Independent Data Panel (IDP) to replace all governmentagencies, and portions thereof, that generate economic statistics. They will becompletely independent, by law, from all other agencies including the IP. The IPwill rely on their data to make quantity adjustments. The new agency would havethe following mandates:

1. Compile and track all data necessary to monitor and to adjust theeconomy. The IDP will not have input into quantity, timing, or

path of money input. This panel must be completely independent andwithout influence from all other agencies, including the IP.

Their most important product will be monitoring price data that the IPwill use to make adjustments to the quantity of money. They must takeinto account the price level of all major asset categories includingstocks, bonds, commodities, real estate, food, goods, and services (theIDP bears ultimate responsibility to ensure accurate and timely


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measurements, and will notmake their calculations in the samemanner as current CPI or PPI).

Gold, for example, will be included as one of the commodities indetermining price movement. If gold were to rise, the inflation

reading would rise and the Independent Panels appropriate responsewould be to begin tightening the money supply.

Any time the quantity is addition only with no subtraction, then thequantity will eventually get out of control and that means that faithwill eventually be lost in the money. Thats not freedom, thats justsilly. Likewise, never allowing your money supply to expand is theother side of silly. A lasting and stable condition is found in themiddle.

2. Complete transparency is one of several, yet ultimately the final checkand balance:

i. ALL data is made available to the public, free ofcharge.

ii. NO ONE, individual, firm, or politician is to haveaccess to the data before the public. This prevents theinsider advantage and again is a check and balance onthose collecting and disseminating the data.

iii. Method of data collection and raw data MUSTaccompany all reports.

3. Statistics shall be separated and reported in three categories:i. Raw data.

ii. Timeless data methods shall be developed to reportdata in such a manner that the methods of calculation canbe repeated and reported consistently over time. Thisensures that future generations can compare apples toapples.

iii. Modern data these are data that can be improved andchanged over time. However, all such changes shall becompletely transparent and shall always be presentedwith the raw data and with access to the way in which thestatistic is compiled and calculated.

D. The IP would oversee a research branch that works for them to develop and leadmeaningful research into economic cycles using the scientific method based onempirical studies. This will be given national priority and will be an ongoing


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program to understand how monetary adjustments can work to foster price stabilityalongside real economic advancement.

Each asset class has historical price ratios. Studies should be conducted todetermine what those normal ranges are and thus potential bubble areas can be

identified and monitored without excuse.

In the future, but not upon implementation, methods will be developed to properlytime money quantity injections/subtractions to help smooth cycles (cyclesmoothing), much as noise cancelling waves have the ability to cancel noise, or howairplanes use dampeners to make an airplane stable by putting in what is intuitivelythe opposite control input, thus taking pilot induced oscillation (the tendency tomake inputs that make the cycle larger) out of the loop. The premise being that wehave it all backwards in our previous attempts as humans to control cycles. Innature, to cancel a cycle you must make the opposite input than is intuitive and yourtiming must be correct. That is to smooth an economic cycle, money must be

added to the cycle considering its time lag, and must subsequently be removed priorto the bottom the opposite of human emotion, and with lead and lag timesdetermined by scientific research. This would be implemented in an ongoingmanner, not a part of the initial program.

E. Any member of the IP or IDP who is caught taking a bribe, manipulating orfalsifying data, colluding or conspiring with other government agencies or privateinterests should suffer a very harsh sentence such as life in prison. This mission isof the utmost importance, breaking the trust in this area is akin to being a traitor toones country. Such a penalty should reflect the number and severity of the peoplewho are potentially affected. In this matter, the rule of law cannot be compromisedand will be enforced.

F. The Treasury will have a new, non-debt backed, Treasury Reserve Account(TRA) in place at the beginning of the transition. It will be funded with $2 trilliondollars and the account will be locked with no access to the funds authorized, in orout, except for the following conditions:

1. Surplus revenue from tax or from the collection of interest payments shall bedeposited in this account. In this way the account can grow in size, but in theevent funds are used to bring it below the initial level, funds must later bereplenished by the Treasury at the IPs direction in the manner describedbelow.

2. The funds may be used for EMERGENCY use (such as a Katrina likesituation) when a national emergency is declared either by the President orCongress. The Treasury shall replenish the funds at a rate requested by the IP.The IP will be responsible to ensure that PRICE targets are maintained,however they would receive an additional +/- 1% latitude before mandatory


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replacement rules apply. These funds may not be used to loan or otherwisebail out any private firm under any circumstance.

3. The funds from the TRA can be released by the IP in addition to the amountrequired to produce zero price inflation in a time of war ONLY when the

following three conditions are met. Once funds are spent, the fund must bereplenished over a duration not to exceed twice the duration of the declaredwar:

i. The war must be officially declared by Congress.ii. The goal of the victory in the conflict must be spelled out furnished

to the IP and made PUBLIC.iii. A plan backed by the military and by Congress to achieve this goal,

both militarily and politically must exist and be presented to membersof the IP who shall verify its existence to the public.

Once these conditions are fulfilled, then the IP will release all emergencyfunds necessary to engage said declared war.

These requirements only apply to the release of EMERGENCY TRA funds,and do not preclude Congress or the President from engaging our troops astheir powers allow. However, doing so without the emergency funds maytemporarily pull funds from the rest of the economy and/or upset the balanceof inflation deflation as managed by the IP. Spending more funds in anemergency will require the IP to pull funds should PRICE inflation occur. Itmay not, but it could be a problem thus the Treasury Reserve Account.

4. The IP can use the funds in the TRA in addition to their zero price targetin order to achieve economic smoothing solely at their discretion in terms

of amount and timing. The restriction is that any funds used for that purposemust be returned to the TRA within a time period of the following 4.3 years(half of an 8.6 year cycle, or as determined by the IP research branch). Thiswill not be attempted until the end of the transition period and only will beattempted in concert with their research branch regarding the studying of thetiming and size of injections/subtractions. All funds used for smoothingMUST be added or subtracted in the next up/down cycle, their cumulativesum shall equal zero and the effect on the overall TRA account shall be none.

5. Funds drawn from the TRA for emergency or for war shall be replenishedback to the Treasury by the IP over a time period of twice the duration of thedeclared emergency as necessary to keep PRICE inflation from occurring.However, should price inflation not occur, then new non-debt backed moneymay be issued by the Treasury at the IPs discretion to replenish the TRA overthe same recovery time period.


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There will need to be a TRANSITION PERIOD lasting approximately two years, in order tophase out of the current system and to implement the new one:

A. At the beginning of the transition, the following will occur:i.

Usury limits restored, no more than 12% interest allowed (the highest pre 1980 stateusury limit). No one will be able to charge more than 12% APR for any loan of anyduration. This immediately begins to provide relief for over indebted citizens astheir payments come down.

ii. New bank and lending limits, similar to Glass-Steagall, will be placed into effect.As the transition proceeds, fractional reserve ability will move back to a strict 10 to1 maximum ratio and limits on derivatives will be imposed.

iii. At the end of the transition, individual bankruptcy laws will be modified to allowthe discharge of unsecured debts, as the law formerly stated.

B. INDIVIDUALS The first step during the transition is to RETURN THE PAST TWOYEARS OF INCOME TAX TO INDIVIDUALS. Citizens who filed returns wouldreceive the HIGHER of their past two years income taxes paid or an amount equal to$7,000 per family member per year.Individuals need the opportunity to repair theirbalance sheets, the same as governments and banks.

i. Money mustbe used to pay down debt, revolving debt first, secured debt second.a. Revolving credit lines will come down as that debt is paid down. Accounts

zeroed will be closed, but if all credit card accounts are paid off in thismanner, then, at the individuals discretion, they may keep one credit cardaccount open at no more than half its previous limit. This does not precludesomeone from obtaining new lines of credit providing they qualify, meetingnew bank standards and regulations.

b. Individuals without debt must hold funds in SAVINGS, access to half thefunds available in one year, the other half the following year, or as allowed bythe IP during the transition they could quicken this or extend it depending onprice behavior during the transition.

This will clean individual balance sheets and infuse a large sum of money into thebanks making the entire system more solvent. With a big portion of revolvingcredit bills gone, consumers will have more of their income to spend and save.This will help almost all businesses and will allow the velocity of money toincrease.

Question: What would this do for YOU? Please take a look at your taxreturns for the past two years, look at your exemptions and multiply times$7000 per year. Compare that to your Form 1040A line This is Your TotalTax or your 1040EZ line TAX. The higher amount would be refunded topay down debt if you have any as spelled out above. How much of yourrevolving and non revolving debts would this pay down? How much permonth of your income would this free up? Please send your anonymous


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testimonial to [email protected] so that we may evaluate thisamount and the constraints placed on it. Also, these testimonials would giveus material to share the condition and experience of others Thank You!

C. Private Banks All banks entering the transition period are GUARANTEED to survivethe transition. Remember, they were helped tremendously by individuals paying downdebt. Personal balance sheets are repaired FIRST, this helps the banks and then they gothrough the following procedures

a. ALL banks will go through a special one time bankruptcy court, starting withthe smallest banks first:

i. Judges follow rule of law checklist evaluating all debt andderivatives. All that do not have backing that meet standards aredefaulted and it disposes of the assets in accordance with the rule oflaw. This will cause cross defaults UP the chain which will becleaned out later as the larger banks pass through the process.

ii.

Healthy and Smaller banks and credit unions will likely beunaffected. As banks pass through the process they come out readyto do business in the new system. Largest banks cleansed last willresult in smaller large banks.

iii. Procedure will reestablish 10 to 1 reserve ratio. That is a maximumof $10 can be lent for each dollar on deposit, but in no case shall theamount of UNSECURED credit exceed the amount of marked-to-market assets held by the bank. Other limits were applied via areturn to Glass-Steagall.

DERIVATIVES are a special case where some are backed by legitimatedebt, most are not. Those that are not will generally be nullifiedregardless of counterparty during this special bankruptcy process. Thosethat are backed by legitimate debt will be allowed to unwind in theirdesigned timeframe, but no new debt backed derivatives will be allowed tobe produced. Again, repairing personal balance sheets will take much ofthe risk out of the remaining derivatives. There will be much angst fromthe central banks regarding this. However, there are very few legitimatepurposes for derivatives and while some exceptions will be made, theeconomy does not need derivatives to function effectively, and in fact theyadd tremendous systemic risk. The functions of pooling debt, acting as ahedge, or as an unregulated and insufficiently backed type of insurance isa moral hazard that leads to complacency and a lack of due diligence.

The phase out of derivatives will occur at a rate during the transition tohelp control the amount of leverage in place. No payments shall betransferred to any counterparties they will be frozen. Any attempt tofront-run this transition will be reversed by the courts and penaltiesapplied. Derivatives in and around the equity markets shall not beallowed to trade and all funds shall be cashed out. Futures trading is
mailto:[email protected]:[email protected]


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allowed, but only that which is backed by the actual underlyingcommodity. All other non-commodity futures shall be prohibited and allfunds cashed out. No, Wall Street will not be happy and they will have nochoice but to focus back on the purpose of markets that is as a means ofprice discovery and a way to get private capital into the hands of public

companies.

D. States Treasury will provide funds equivalent to one years worth of each statesrevenue:

i. 50% of those funds will pay down current state debts easing the states debtburden.

ii. The other 50% will be used to fund initial start up of each states STATEBANK, based on the model of North Dakota (http://www.banknd.com/about.jsp).a. All state tax monies are deposited in this bank.b. 10 to 1 fractional reserve maximum on DEPOSITS which are backed by

taxing authority and by vast assets, making these banks some of the mostsound banks in the world would exceed all other banking requirements.c. Banks will support other commercial banks within state.d. Banks will provide low or no interest loans to state for infrastructure

projects.e. The bank would generally support private people only by providing capital

and working with private banks. These banks will meet or exceed allother banking requirements and be limited in a very conservative manner.

f. The advantage to the state is that they can get low or no interest loans andthey can earn interest that goes to the people of the state instead of thecentral bank. These banks would generally be prohibited from lendingdirectly to the public, but could perform a regional banking functionsupporting and regulating local banks much as the regional reserve banksdo now.

iii. In addition to the above funds, State governments will be given initial fundingfrom the Treasury to create a reserve fund equal to 10% of their annualbudget. This money will be deposited and held in the State bank as the statesreserve fund. Each state must develop a plan under which such funds can orcannot be used. Their plan MUST include a strategy to replenish the fundwithout federal aid and without raising new taxes for that purpose. Shrinkingthe size of government or saving from current taxes is the only methodallowed to rebuild the fund once any of these funds are spent. Thus there willbe no new taxes allowed in any form if funds are used from the reserve untilthe funds are returned. Governments need procedures to get them to sizethemselves for the bottom of economic cycles, not the top. This is the samething that happens to businesses, and why conservative companies surviveeconomic downturns and overly aggressive ones do not.
http://www.banknd.com/about.jsphttp://www.banknd.com/about.jsp


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E. Businesses Already helped by people whose balance sheets are cleansed, some largebusinesses may be counter party to defaults that occur in special bankruptcy court or maycontain derivatives and otherwise act as a financial company.

i. Those that carry derivatives or act as financial companies would be sentthrough the same process as banks to remove bad debts and derivates.ii. State Banks would help to provide adequate capital and funding tocommercial banks that in turn would now be healthy enough to resumelending, especially to small businesses. Businesses would have customersagain who are not saturated with debt, especially if other mission statementtype of programs are created to provide direction and meaningful jobs toconsumers.

F. Social Security numbers would immediately get better with zero percent price inflation:i. It is acknowledged that social security was not properly financed at inception

as all generations require subsequent generations, regardless of size, to fundthem. Yet, it would not be fair to eliminate this program for those who havedonated to it their entire working lives and thus the program will bemaintained going forward, but with the following limitations:

1. There will be no future payment increases, keep in mind that overallPRICE inflation will be controlled to be zero. This move alone willget the program close to being solvent all by itself. A stable non-inflationary environment makes this possible.

2. Tax collections will be rolled back to year 2000 levels and cannot beraised above that level.

3. Current age restrictions will be kept in place and cannot be changed.4. $1 trillion will be placed in a new Treasury Social Security Reserve

Account (TSSRA). This account will work to absorb the impact ofgenerational size shifts. If such a shift should ever become soextreme as to wipe clean this account, then no amount of socialsecurity payments will be made in excess of receipts. This accountwill be allowed to build up over time as budget surpluses occur, andis off limits to everyone except the IP who is responsible forallowing withdraw to the Social Security Administration. In otherwords, no more comingling of funds to make the general budgetappear better than it is a practice known as robbing Peter to payPaul.

G. Medicare Gets better with these changes similarly to Social Security. Medicare is ahuge unfunded obligation approximately six times the size of Social Security. It is veryinefficiently administered and causes many economic distortions. However, a stable andnon-inflationary environment going forward will stop the compounding of unfundedliabilities and will make the program far closer to being solvent.


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Therefore, the Legislative branch will be allowed 5 years to come up with a plan to phaseit out of existence and to replace it with a program that costs NO MORE than the currentMedicare program. Such a program should be a safety net and NOT a socialized medicalsystem.

i.

A $2 trillion fund will be established to ensure that expenses are covered withcurrent shortfalls and to cover variations in the size of future generations forthe replacing program.

ii. Congresss new plan must match future expenses with incomes that cannotexceed todays tax levels, lower taxes are preferable.

iii. Medical and insurance companies will be limited by the rules separatingcorporations from state. This will work to drive prices down more than anyother action in the long run. Each office that regulates these industries shallhave a method to hear industry concerns.

H. GSEs and FHA programs will be frozen and allowed to wind down. Mortgage lendingwould return to commercial banks backed and supported by state banks. All futureinternal operations shall be run by the collection of debts owed and the funds otherwisereceived shall be retuned to the TRA as they come in. No program shall be enacted so asto artificially raise the price of home values, thus making them less affordable. Statechartered banks will be able to pick up slack, supporting other commercial banks withtheir newly deposited funds.

International Implications The implications for other countries who do not accomplish thesame cleansing at the same time are serious. We would encourage and support othercountries to run the same procedures at the same time, but would not intervene on theirbehalf unless invited to do so.

I. The non debt-backed dollar would strengthen dramatically over the rest of debt-backedcurrencies worldwide. Recommendation is to freeze currency exchange rates during thetransition period, but this would not have to be done if enough other countries agreed totransition at the same time.

J. Banks and businesses going through special bankruptcy in the U.S. will createinternational cross-defaults. Therefore teams will be established to consult with nationsaround the world at THEIR request. The best outcome is that all nations run the sameprocedures during the transition period. They would enjoy the same benefits and itwould create a stable outcome at the end of the transition.

K. There are special considerations for countries that use our dollar as their currency.Transitioning those countries would also need to be addressed.

6. POLITICAL REFORM While we are blessed with our Constitution, special interestshave grown so rich and so powerful that they have achieved super human influence in therealm of influencing politics and politicians. The following rules set about to separate themoney those special interests possess from our government (the word politician belowincludes all elected and appointed government representatives on all levels of government,including judges and members of the military. The term Congress generally means the entire


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legislative branch unless the power is already specifically Congresss. Exact legal wordingwill be required).

This addresses the root causes of our financial crisis as without pressure from these megacompanies, politicians on the national level will be able to mount effective campaigns that no

longer run in the hundreds of millions of dollars, while all will be able to make decisions thatsupport the collective people in the long run, not just the profit oriented short run. Therefore:

A. No form of Corporation or business shall be permitted to donate any more than thepersonal campaign limit to any political campaign regardless of size. It shall be illegal toset up shell corporations to circumnavigate said rule.

B. Personal campaign contributions to any single politician shall be limited to no more than5% of the median annual household income level at the time of the previous electioncycle. For example, in 2007 that level was $50,233. Thus the maximum individual orcorporate contribution would be 5% of that figure, or $2,511(the corporation still has theadvantage as they can make this donation to an unlimited number of politicians). This

amount should remain relatively stable over time once the above economic reforms areinstituted. No candidate may spend more than 1,000 times the maximum individualamount of their own personal money on any single personal campaign.

C. Corporations, businesses, and their representatives shall not be permitted to pay lobbyistsor hire employees for the purpose of lobbying government. Corporate officers andemployees may, however, meet with politicians with the same access and rights of anyindividual. Groups of people may form together in lobbying groups, however suchgroups cannot be backed with any corporate money or benefits whatsoever.

D. Politicians shall not, while in office, influence any fiscal decision regarding any industryin which they were previously a Corporate Officer (Vice President or equivalent orhigher). This does not prevent politicians from working on legislation in fields whichthey are familiar unless they were on the Officer level. It also does not mean thatgovernment representatives cannot contract to have private work or developmentaccomplished on behalf of the people.

E. Politicians after leaving office shall not go to work for any corporation following theirservice for which their office had any oversight, contractual connections, or control overwhile in office for a period of 5 years following their time in office.

7. FUTURE DIRECTION/ CREATING MEANINGFUL JOBS - Transforming to theeconomy of the future requires VISION and it requires LEADERSHIP. This is what thepeople elect politicians to do. It is not a part of economic reform, per se, to direct Congresshow to spend budget monies. However, since adult leadership is not currently beingprovided from the top, it is the responsibility of the people to direct Congress! To be clear,the supporters of this package of reforms intend to effect a change in leadership should theyfail to implement major portions of the vision as stated below. It is our belief thatimplementing the above outlined Economic and Political Reform will allow politicians tonaturally shift to this longer term perspective.
http://en.wikipedia.org/wiki/Medianhttp://en.wikipedia.org/wiki/Median


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Meaningful and productive jobs do not result from labeling our citizens consuming units andattempting to force more debt upon them. WE ARE NOT CONSUMERS, WE ARECITIZENS!

RUDDERLESS pursuit of happiness has led to a nation lacking in national direction, one

where greed and the pursuit of paper profits dominates over the quest for knowledge, socialand economic advancement, the arts, and the ability to produce tangible technologies andproducts.

Any successful organization moves forward with purpose. They do so by having a missionstatement. When an organization has a mission statement, then the goals to fulfill thatmission fall out from it. What would be an appropriate mission statement for the greatestnation on Earth, what could we ALL agree upon?

Well, we can all agree that Freedom should be an overarching principle. That Survival of theSpecies and the advancement of the human race into the future is a worthy MISSION.

If freedom, survival, and advancement are the mission, what goals should take priority forour government and for our spending? How about education? Dont we stand a betterchance of progressing and surviving if we advance our knowledge and teach futuregenerations what weve learned? Wont we need to unlock the mysteries of the universe both big and small to find bountiful energy, to advance medical science, to protectourselves from natural catastrophes, to protect our environment, and even to explore space incase our planet is ever threatened?

Can we as a country support and profit from the pursuit of these goals? You bet, but we mustfirst have the vision to support and undertake projects that would otherwise be too risk filledfor smaller organizations.

Sometimes, like exploring the new world in the 17th century, governments must step up toaccomplish that which cannot otherwise be accomplished. Our nation can continue to leadthe world in innovation, patents, leading edge technology, and yes, even the production ofactual products! Yes, we can lead in manufacturing again, but whatwe manufacture shouldlead the globe, not simply attempt to compete in technologies long ago conquered. Ourmanufacturing technologies and innovations of the past have already spread around theworld. It is now time to progress to the next level of innovation, an undertaking that is muchlarger than can be accomplished by any single individual or business.

But success is not measured in our ability to create credit or in our childrens ability to allscore the same on a math exam. Success is measured in the number of new patents and newtechnologies developed and produced in America. Its found in our ability to relate to thenatural world through creative arts, music, and sports. These things create a virtuous cycle!They all work in harmony.

Success is found by promoting INDIVIDUALISM and by fueling the spirit ofADVENTURE, the very spirit that founded America. Free people and free mindsflourish


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when an individual is free to pursue what interests them and their special abilities. Theyneed time for their minds to wonder, and they need an education system that promotes thesequalities. Again, success is not a persons score on a standardized test; success is a personsability to contribute to the advancement of society and of mankind to help America fulfillher mission, her destiny. You will find that advancement by pushing the envelope of

education, the arts, and the sciences, and yes, even by questioning the meaning of life!

We have a once in a lifetime opportunity to produce a directional shift, one that willinfluence the future path of mankind, but we must be brave and strong, qualities that areembedded in the spirit of America.

A. EDUCATION. None of the following programs will succeed without a sound andwell financed education system, one that funds not only the sciences, but also thearts, music, and sports in addition to the three Rs. Many resources are wasted ineducation at the fringes and in trying to force a square peg through a round hole.By that we mean that every person on the planet learns differently, thinks

differently, has different aptitudes, and has different likes and dislikes. This is whatmakes us humans and not computers.

Individualism is our STRENGTH, not our weakness. We spend billions forcingpeople to conform to a set of standards that may or may not work for THEM. Thuswe have created this special program and that special program, we label kids weakin this or that and then we set about frustrating them by forcing them outside oftheir aptitudes instead of advancing them inside of their aptitudes. Whilestrengthening your weaknesses is a good thing in limited degree (and especiallywhen children are young), true happiness will be found pursuing that which YOUlove. That pursuit, in aggregate, is a benefit to society, it is the NATURAL order ofthings.

Henry Ford would not have advanced auto manufacturing by forcing assembly lineworkers to all pass tests in upper level mathematics. That simply would have beena wasted effort. Not everyone is an Albert Einstein, but those who are need to beencouraged to go as far as they can! Everyone needs to understand basic mathconcepts, yes, but not everyone needs to pass the same upper level standards inevery category, thats a ridiculous notion.

In other words, schools need to be supported financially, but they must refocus byreinstating the arts, music, athletics, and by letting go of the dream that everyindividual is going to excel at math or reading literacy yes, get them while theyare young and make everyone literate with language and basic math (andunderstanding money). However, as children age a great percentage of your energycan easily be spent getting the last 5% of ability out of a person in a field they dontlike and dont have aptitude in.

Instead, how about designing an educational system that finds a persons aptitudeand allows them the freedom to excel in that? Their natural abilities lifting them


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high above the abilities of other nations who struggle to fit the square peg into theround hole. Sure, their collective math scores may be high, but are they spinning offgeniuses, new technologies, and the leaders of tomorrow?

We must ask ourselves, do we want to raise robots who regurgitate information like

computers, or do we want to encourage individuals to be scientists, artists, athletes,inventors, innovators, business owners, leaders and politicians? When was the lasttime you heard a child say that they want to be an astronaut when they grow up?

By the time a child is hitting middle school, their aptitude should be coming outstrongly and can be tested. Tracks can be developed at a young age and should beencouraged, but of course freedom to a person to change tracks mustbe kept inplace.

One idea is to leverage communications technology to create an online school thatcould enrich BOTH weak students and strong students by allowing them to receive

more direct remedial training, or to allow naturally talented children to advancefaster and farther into subjects of interest and talent. This would create a moreefficient system, one that would bring up the low end and rise up the upper end.

And so a chance to reform the economy would be incomplete without reformingeducation and ensuring that it is well financed and capable of creating the talent thatwill be required, especially in the science fields of tomorrow.

The teaching of money management concepts is weak at best. This must be a partof any reform if we expect people to be responsible as well. Business andeconomic schools at the highest levels are teaching pure fantasy and myth, ignoringthe way the real world and markets work. Thus in the economic leaders of todaywe find that the more education one has, the less they understand the real world andthe more their ideas and concepts are based in mathematical fantasy. This mustchange, as a nation we can take responsibility and begin by setting a good andhonest example. We start by creating honest money and we report honest statistics.We remove commercial influences from our system and then the truth will find itsway into the upper reaches of the Universities.

Thus we would recommend that during this transition that a team of educationexperts (Transitional Education Panel - TEP) be assembled with a mandate todesign a system that emphasizes individuality, the arts, and with special emphasison creating the scientists and economic leaders of tomorrow. This teamssuggestions then need to be implemented and financed. While large changes arebeing made in other areas, money for education should be considered the seeds ofthe future economy that work in concert with the other programs outlined below.

Thus, a sum equal to one years entire educational budget should be provided at thebeginning of the transition period to implement the panels suggestions and to sowthe seeds of our collective futures. Money will be made available to cover their


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recommendations, such funding will primarily come from separating out corporateinterests in other areas of the budget. This represents a reordering of nationalpriorities and goals and is simply step one in fulfilling our mission.

B. DEPARTMENT OF ENERGY - Energy is the lifeblood of a productive economyand is a future crisis that cannot be ignored to the detriment of our financial abilityand future security. Therefore, the Department of Energy should be disbanded andreplaced by a new Department of Energy whose focus is the advancement of energytechnologies. This department will be funded separately from the primary budgetand from the IP, although it will still run through Congress for oversight anddirection, keeping in mind again the rules separating corporations from State (Keynew concept of private/ public partnership follows).

Two trillion dollars will be placed in a Special Energy Development Account

(SEDA) to be used as SEED money for scientific research and development.Top scientists will be hired for this man on the moon public/ private project to

help develop direction and to set goals. It will be run by someone with CEO levelskills given direction to find economically viable energy sources both in themedium and in the long term. Thus, what most people now consider greenenergy would be medium term, whereas long term research would be further outon the leading edge (fusion, zero point energy, etc.). Energy return on investment(EROI) in concert with its impact on the environment must be paramount concerns,especially in the medium term. Longer term projects will be more risk filled.

Programs may not be funded that have low odds of having a high EROI. Thus,programs that subsidize other industries, like ethanol does to corn, shall be avoidedby having the DOE advance industries it considers to be viable based on scientificknowledge, not based on special interest lobbying efforts. Once the DOE identifiespotential segments of private enterprise partners, they will approach the industrywith RFPs (Requests for Proposal) with profit sharing contracts spelled out clearlyin advance. Technology developed by DOE belongs jointly to the People of theUnited States who funded it and developed it along with private enterprise partners.

As successes with new technologies are created they are deployed across the U.S.and marketed commercially around the world. Profits will be shared with privateenterprise in proportion to the amount of capital provided. Sales of the technologywould belong in proportion to the DOE for a period of 10 years, after which allproceeds, technologies, and any remaining patent life would be transferred to theprivate businesses in proportion to their capital contribution to that technology. Alltransfer of new energy technology overseas will be sold for profit as a product ofthe United States of America. Proceeds from the DOEs share will be funneledback to the SEDA account and used for further research.

Technologies can be purchased from overseas, but profit sharing partners may notbe located outside of the United States, or more than 30% owned by companiesoutside of the United States.


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Please note the way this plan interacts with other areas. For example, ifbreakthroughs are made with nuclear fusion, then very large advancements in ourelectrical infrastructure will be needed. This is how these programs work togetherto create meaningful jobs and advancement.

Make no mistake! This is a race that is far more important than was the goal to putman on the moon! Should we fail to be the first country to produce a safe andreliable source of energy like nuclear fusion, then the country that does will literallyhave a huge advantage over the rest of the world. We MUST not continue to driftrudderless, WE MUST be the ones to bring these technologies to the world. Wehave got to get busy and focused!

C. DEPARTMENT OF SCIENTIFIC RESEARCH (DSR) - The futuretechnologies required for energy independence will require science that is on theleading edge. The very survival of our country and of the entire human species

depends upon our advancement of science and technology. The answers to plentifuland environmentally friendly energy may very well be found in the quantumscience realm or in the way that the quantum world and the larger universe interact.

Therefore, theoretical science needs to be advanced in the same manner and inconcert with energy science, or the breakthroughs may never come or may take farlonger to achieve.

These projects will focus on both the large scale and the very small. We mustunderstand how the quantum fields interact with the larger realms,how energypermeates the universe, influences gravity, and how to harness the boundlessenergy that surrounds us.

Yes, we MUST build larger particle accelerators and other very expensiveinstruments in order to unlock the mysteries of science. We have theories now thatsimply cannot be tested with current technology. How do we ever get there if wedont undertake this effort? We must if long term survival and advancement is ourmission, our destiny.

If our money is backed by debt, it will never happen. We will simply tax ourselvesin an ever expanding circle to feed the central banks their interest. We now havevast human talent and productive capacity that is going to waste, simply notutilized, under utilized, or deployed in counterproductive enterprise.

Therefore, a duplicate program, similar to the DOEs private/ public energyprogram will be funded during the transition period with seed money amounting to$3 trillion to be shared with NASA and with efforts to advance medical science asoutlined below.


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D. MEDICAL SCIENCE The field of medical research must also be advanced insupport of human kind and even our species ultimate survival. We need to redoubleour efforts to understand the complexities of life and how to prevent and curedisease.

Socialized programs do not thrive over time as the monetary incentive does notexist to push research and to advance development. Therefore, a significant portionof the DSR seed money should partner with private enterprise to undertake projectsthat will not be done otherwise. Seed money can be provided INTEREST FREEand can subsequently be recovered in the same manner described above with freeenterprise ultimately running with the technology and the people of our nation onceagain leading the world in advancement and benefits for man kind.

Again, as technologies are sold throughout the world, seed money is recovered, inthis way we are exchanging REAL productive efforts for other products fromaround the world, not simply exchanging paper for others products.

E. NASA Our collective survival may depend upon understanding and protectingourselves from natural phenomena in space. Thus, the same partnerships will becreated with NASA who will also be given a share of DSR seed money in a similarmanner.

The mission of NASA will focus primarily on space, but with more focus onworking in concert with the DOE and DSR to establish new technologies andinstruments that will lead to an understanding of space/time and how they interactwith energy and the other sciences. Other areas to focus on include our ability todetect and develop countermeasures against space objects and radiation, high speedlow earth orbit transportation vehicles and hypersonic flight technologies and thealternative energies to propel them.

A benefit of these programs is that NASA, the DOE, and DSR will make allresearch facilities available to all private enterprise on a space-available basis, butwill CHARGE an amount for facility use equal to the amount required to run theparticular facility for the duration of experimentation. In this way research will bepossible that was not possible before.

F. INFRASTRUCTURE Like it or not, it has become the governments place to putinfrastructure in place when that infrastructure is initially beyond that of privateenterprise to implement. Thus we have built roads from ocean to ocean and evenhighways in the sky. And, we have advanced the human race in so doing.

Coming out of the 1930s, we saw the New Deal and we built much infrastructureto open America up for commerce. This is an appropriate undertaking whencommerce can use it. But all infrastructure must be maintained. Experts todayplace the cost to repair and maintain this nations existing infrastructure at astaggering $2.5 trillion a sum, we note, that is far less than was recently used to


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bail out our paper chasing financial industry. Funny how debt is a problem when itcomes to spending money on real things, but hardly mentioned in terms of throwingit at financial firms. Had the money been spent on correct items to begin with, andfinancial engineering been kept at a minimum, then today we would haveinfrastructure in good repair and a more sound financial system. Again, debt

backed money does not support anyones mission besides an anointed few.

It is possible to build so much infrastructure that commerce is pulled down due tocarrying its costs! That is why, prior to undertaking new infrastructure projects, onemust ask, for what commerce? Failure to ask that question will lead to bridges tonowhere that must then be maintained, further burdening the future with debt andcarrying costs.

The Industrial Revolution is long over. Building relatively inexpensive trinkets nolonger is a problem, but it wont continue without the cheap energy that got us here.Information is now spread very easily via the internet and that is getting better and

faster (we must keep out of the way).

So, what is the infrastructure of tomorrow that needs to be built today in order thatcommerce can flourish?

A. The energy created by the programs explained previously will have to betransported. Thus an efficient and robust electrical grid is a must. Theadvancements in electrical power and control are coming at breakneckspeed. This is another area where building such a grid may be out of reachof private enterprise and perhaps a joining of government and privateenterprise here is a way to get it going. Again, the government can provideseed capital in the same manner as the energy research and DSR describedabove. The government would temporarily own a portion of the grid, andwould be repaid from its use over time, but the grid would be turned over tothe private partners at the end of the repayment period. This NOINTEREST repayment is the tax that pulls the money back out of thesystem, leaving the infrastructure in place (same with other seed moneymentioned above).

B. Much energy is wasted in our transportation system. Once near or in ourcities, automobiles and trucks WASTE their time and energy in stop, startmotion. Much of that need not occur with the proper applications oftechnology. For example, dumb stop lights that are out of synch or stoptraffic with no other traffic near. Vehicles could be seen coming and thedrivers intentions known. Efficiency computers could then manage trafficby communicating those intentions along the way. This should be done,again, in concert with private enterprise as described above and should bepreconceived to work in concert with the smart grid as it is installed.Communication occurs over these very same power lines. This effort wouldlower energy consumption and would pay for itself quickly, but cannot be


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undertaken entirely by free enterprise as governments own the currentinfrastructure and must be involved in making the system as efficient aspossible. Thus the capital needs to be made available at NO INTEREST toSeed it.

C.

Much upper level education is now occurring online, but very little Statefinanced education, and lower level teaching, is. Instead of having allschools teach all students to the same level, students who are lagging orleading can and should be able to access online educational programs tostrengthen their weaknesses or to promote their strengths. Theaforementioned Transitional Education Panel should also be tasked withfiguring out ways to leverage the power of modern communications andimplementing them into all programs. Funding for this infrastructure shouldbe a part of their Transitional Education monies.

D. The next frontier to conquer is indeed space. There will be commercial usesfor space, especially in terms of energy and raw materials. If we fail tobuild the infrastructure necessary to get in and out of space easily, then wewill be doing the human race a huge injustice and possibly setting futuregenerations up for failure. Survival is a powerful and natural driving force,one that should not be ignored, it should be fostered. Throughout the historyof mankind people have been willing to put their lives on the line to explorenew frontiers, future generations will be no different. The instinct is soundand humankind is well served by those who put their very existence on theline in the name of exploration. Again, if treated like a business, a missionstatement will be developed with sub-goals. In this way, practicaltechnologies act as stepping stones to more exotic ones. For example, theconcept of a space elevator doesnt sound that far out of reach and would bea huge stepping stone to making real progress in other areas.

The confluence of scientific knowledge gleaned in energy and otherscientific research IS going to lead to breakthroughs in our ability toprogress beyond the planet. This is NOT pie in the sky, this a necessary stepfor humanity, it is our destiny, we will not fail to do so.

Since this exploration is so vastly more difficult than other humanendeavors, it will take more time to achieve commercial success, butcommerce will follow. We cannot lose our dreams and vision in this regard,it MUST be supported and the infrastructure to take the first commercialsteps in space must be taken.


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SUMMARY These initiatives are not just talk. They all work together in concert toeducate and to create the jobs of the future. We are capable of doing and advancing all ofthese simultaneously. In fact, they must ALL ADVANCE TOGETHER, for pieces ofeach will be found within the programs of the others! It is simply a matter of focusing

the capital in productive ways, putting people to work building a future instead of justspinning our wheels. We have plenty of resources to accomplish all of this, we havenatural resources, human resources and industrial age infrastructure to act as a steppingstone to the future.

The missing ingredient? A money system that works for the people, one were money ismade available for appropriate uses without a select few stealing from and manipulatingthe productive capacity and spirit from the rest of society. The seed money for theseprojects is NOT pie in the sky. Pie in the sky is thinking that you can first bring moneyinto existence backed by debt and then make significant long term progress towards yourgoals. Money is thus a tool of society, it belongs to the collective PEOPLE and is

constantly recycled back into productive goals that advance humankind together.

This is a better way. Our money system rightfully belongs to the people.

We do NOT have to sit back and just watch DEBT driven events unfold. When it comes to theseissues, WE are not Republicans, WE are not Democrats, WE are AMERICANS WE have theAUDACITY TO TAKE ACTION, not the complacency to hope that someone else will!

-Nathan A. Martin

*Cover art by AZ Rainman THE SWARM IS COMING!


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