Published on Jun 5, 2013
If this doesn’t wake you up, I don’t know what will.
Links to get you started on your research: Continue reading »
Published on Jun 5, 2013
If this doesn’t wake you up, I don’t know what will.
Links to get you started on your research: Continue reading »
- U.S. Supreme Court Justice: “We Are In that Brave New World, and We Are Capable of Being In that Orwellian World, Too” (Washington’s Blog, Sep 13, 2014):
Top Politicians Warn of Fascism
Current U.S. Supreme Court Justice Sonia Sotomayor said yesterday in reference to spying and drones:
We are in that brave new world, and we are capable of being in that Orwellian world, too.
Two former Supreme Court Justices – Souter and O’Connor – also warned of dictatorship.
So have both Republican and Democratic congress members.
And two top-level NSA officials.
A small handful of players control: Continue reading »
- They Just Keep Saying ISIS Is Going to Attack America’s Electric Grid (The Daily Sheeple, Sep 8, 2014):
Leading into another 9/11 anniversary, the normal al Qaeda scarefest is nowhere to be found. This year’s fearmongering is all about ISIS, and September started by taking the rhetoric up a notch.
Back in August, it was all about how ISIS is tremendously well-funded and like nothing the Pentagon had ever seen and another 9/11 was on the way. Then we were told an ISIS terror attack on American streets is highly likely; so likely, in fact, that an Imminent Terrorist Attack Warning By Feds on US Border alert was released featuring the possibility that ISIS groups operating out of the Mexican border city of Juarez might attack the U.S. with car bombs, although no specific threats had been received. Continue reading »
- US Corporate Espionage (Washington’s Blog, Sep 6, 2014):
‘Bilderberg Merkel’ is only another elite puppet, like Bilderberg puppets Schmidt, Kohl and Schröder before her.
Germany cannot do anything on its own. The problem is that under the ‘Geheime Staatsvertrag’ (= secret treaty) as reported by the former German MAD (= Militärischer Abschirmdienst = Military Counterintelligence Service) chief Gerd-Helmut Komossa all German media and the chancellor itself are under control by the allied forces (US, UK, France) until 2099.
The ‘Geheime Staatsvertrag’ also regulates that the German gold reserves stay exactly where they are (as collateral).
Here is an …
Internal BND (Bundesnachrichtendient) document only for ministers (“NUR Für Minister”)
T O P S E C R E T ( Strengste Vertraulichkeit)
It states that copy No.4 of the ‘Geheime Staatsvertrag’ has been lost and also describes in detail what it has been all about.
The document further states that if copy No. 4 of the ‘Geheime Staatsvertrag’ gets into the wrong hand its authenticity should be denied.
Also there is a quote by Egon Bahr, minister from 1972 bis 1976 under Chancellor Willy Brandt, stating that Brandt had to sign 3 letters for the ambassadors of the US, the UK and France.
Brandt was reportedly disgusted by having to sign this ‘Unterwerfungsbrief’ (letter of subjugation), but was told that Konrad Adenauer, Ludwig Erhard and Kurt Georg Kiesinger had to sign these letters as well.
Sep 1, 2014
Dr. Jim Willie joins me to present some important recent developments that bode ill for the dollar as Germany / France and other former allies and partners of the US are now aligning themselves with Russia / China and the BRICS bloc.
- London Mayor’s Stunning Proposal: “Terrorist Until Proven Innocent” (ZeroHedge, Aug 25, 2014):
With all of England on edge because the ISIS executioner of James Foley, known as “Jihadi John” sported a British accent, and who may or may not have been identified as Abdel-Majed Bary, although UK government sources have not yet officially revealed his identity, one person has decided it is time to not waste yet another crisis. The person: London mayor Boris Johnson who as the Guardian reports, has called for the presumption of innocence to be reversed in cases where Britons travel to Iraq or Syria and said he wants the jihadist who beheaded an American journalist to be killed in a bomb attack. If Johnson’s proposal for a “swift and minor” law change passes, any Brit traveling to Iraq or Syria will automatically be branded a terrorist and suffer the appropriate consequences.
More on this stunning attempt to overhaul the most basic right of law: Continue reading »
Aug 11, 2014
In this inaugural episode, Truthstream News’ Aaron Dykes and Melissa Melton break down the underlying and under-reported factors behind the intensifying global chaos unfolding in Iraq, the Middle East, the Ukraine and beyond. It is all part of a “long game” to use conflict as a means to an end via the Hegelian Dialectic — Order Out of Chaos.
This episode covers:
– Ebola Fear Porn as its own epidemic
– The “Return” of the Iraq War (That Never Ended)
– The Vision to Map a New Middle East
– The Cold War (Volume II)
– The Ukraine Gas Shell Game
– The “Olds”: How Spykman’s Rimland Keeps War Going
– Revealed: Why We Have Perpetual Wars Across the Globe
– Prepping for the Agenda 21 Future: Better Living Through Smaller Spaces
– Letters to the New World Order
– Phone to the President: LBJ Real Audio Confession
– Fun Times Driving With Your Local Congressional Representative
– Investigative Special Report: Concentrated Animal Feeding Operations (CAFO)… Are We Allowed to See How Our Food Is Raised?
Tags: Al-Qaeda, Al-Qaida, Dictatorship, Ebola, Fascism, Global News, Government, Iraq, ISIL, ISIS, Israel, Middle East, Mossad, Muslim Brotherhood, New World Order, Politics, Rothschild, Russia, Saudi Arabia, Syria, Terrorism, U.K., U.S., Ukraine, Vladimir Putin
- Congress Proposes Law Banning Body Armor In The Land Of The Free (Sovereign Man, Aug 21, 2014):
By the late 1920s, Joseph Stalin became the unchallenged leader of the Soviet Union after having eliminated his opposition.
He topped it off in 1929 by serving a decisive blow to anyone that would dare to oppose him by outlawing private gun ownership in the country.
From that year on until 1953 when Stalin died, it’s estimated that more than 20 million Soviet citizens that were seen as a threat to the country’s leadership.
People were rounded up and either murdered outright, or sent to infamous gulag labor camps.
Stalin is an extreme case. But history is ripe with examples of governments which disarm their citizens, only to engage in serious oppression afterwards.
Communist China. Nazi Germany. Cambodia. Guatemala. Uganda. The list goes on and on. Pacification of the citizens is almost always a prerequisite to totalitarianism.
There have been a lot of attempts to disarm, or at least partially disarm, people in the US throughout history as well.
Each time there’s a major shooting somewhere, the chant to ban firearms grows louder.
But the latest proposal is especially telling.
H.R. 5344 is a bill currently going through Congress that would ban the purchase of body armor.
Violation would carry CRIMINAL penalties, including up to ten years in prison. Continue reading »
- Signs of fascism in Israel reached new peak during Gaza op, says renowned scholar (Haaretz, Aug 17, 2014):
Israel Prize laureate and renowned scholar Zeev Sternhell fears the collapse of Israeli democracy, and compares the current atmosphere with that of 1940s’ France. The time we have left to reverse this frightening trend is running out, he warns
- Barack Obama’s Secret Terrorist-Tracking System, by the Numbers (The Intercept, Aug 5, 2014):
Nearly half of the people on the U.S. government’s widely shared database of terrorist suspects are not connected to any known terrorist group, according to classified government documents obtained by The Intercept.
Of the 680,000 people caught up in the government’s Terrorist Screening Database—a watchlist of “known or suspected terrorists” that is shared with local law enforcement agencies, private contractors, and foreign governments—more than 40 percent are described by the government as having “no recognized terrorist group affiliation.” That category—280,000 people—dwarfs the number of watchlisted people suspected of ties to al Qaeda, Hamas, and Hezbollah combined.
The documents, obtained from a source in the intelligence community, also reveal that the Obama Administration has presided over an unprecedented expansion of the terrorist screening system. Since taking office, Obama has boosted the number of people on the no fly list more than ten-fold, to an all-time high of 47,000—surpassing the number of people barred from flying under George W. Bush.
“If everything is terrorism, then nothing is terrorism,” says David Gomez, a former senior FBI special agent. The watchlisting system, he adds, is “revving out of control.”
- Here Comes Snowden 2.0… And How The Government Determines If You Are A “Terrorist Threat” (ZeroHedge, Aug 5, 2014
Not even Orwell could have foreseen the government waging such an open propaganda war…
In the meantime, don’t be cyncial of the world’s most “transparent” administration: be hopeful; after all you still haven’t been killed for a crime you never committed.
- NSA Helps Saudi Arabia Crush Dissent … Like It Helps Crush Dissent at Home (Washington’s Blog, July 27, 2014):
The NSA Helps Crush Dissent at Home and Abroad
In addition, the NSA is giving the raw data on American citizens living in the U.S. to Israel. That doesn’t seem to be a good strategy for protecting America from terrorism.
Newly-published Snowden documents also show that the NSA is helping one of the world’s most brutal and repressive dictatorships – Saudi Arabia – to crush dissent.
Added: Jul 22, 2014
Sat, 19 Jul 2014 17:00 (Manning)
Government and private entities are working to shred privacy and warehouse personal, relationship, and communications data. Once unimaginable surveillance technologies are being perfected and implemented. The most intimate details of lives are routinely and unthinkingly surrendered to data-gatherers. Is it still possible to be an anonymous whistleblower? Is it still possible to be anonymous at all? Your physical location and activities for the past ten years are known and have been logged. If you attend a church or synagogue or mosque or a demonstration or visit an abortion clinic or a “known criminal activity location” or meet with a “targeted person” or a disliked political activist, it is routinely recorded. Your finances, sexual orientation, religion, politics, habits, hobbies, and information on your friends and family are gathered, indexed, and analyzed. Facial recognition, camera analytics, license plate readers, and advances in biometrics allow you to be de-anonymized and remotely surveilled 24/7/365 by machines. Forensic linguistics, browser and machine fingerprinting, and backdoors substantially eliminate the possibility of anonymous Internet activity. Thanks to “The Internet of Things,” your thermostat and electric meter report when you arrive home and your garbage can reports when you throw out evidence to be collected by the few remaining human agents. “Predictive profiling” even knows what you will do and where you will go in the future, so the data collection bots can be waiting for you. Data collection now begins at birth. And no data gathered will ever be thrown away. And none of the data gathered belongs to you or will be under your control ever again. An internationally-known private investigator and longtime HOPE speaker, Steve will describe in frightening detail how the last shreds of everyone’s anonymity are being ripped away. Real world examples will be used. Surprises can be expected.
- The “Insider Threat Program” and the Government’s War on Whistleblowers (Liberty Blitzkrieg, July 24, 2014):
The Obama Administration’s Orwellian government employee snitch network, dubbed the “Insider Threat Program,” first made headlines about a year ago. I found it to be so disturbingly significant I wrote a post about it titled: The 3 Key Takeaways from the Ridiculous “Insider Threat Program.” Those 3 key takeaways were that it…
- Creates a horrible and counterproductive work environment where everyone distrusts everyone else.
- Solidifies the fact the government is not interested in solving problems, but rather is focused on continuing the cronyism and criminality and merely covering it up.
- Exposes how completely hopeless and terminal the status quo is.
Fast forward a year, and it appears that several members of Congress are also becoming increasingly concerned. Some are starting to ask questions, but as usual, the “most transparent administration in history” is entirely nontransparent. We learn from the Washington Post that: Continue reading »
So the Obama administration does not require “concrete facts” or “irrefutable evidence” to brand Americans or foreigners as suspected terrorists.
Does the Obama administration then also not require “concrete facts” or “irrefutable evidence” to put somebody on Obama’s assassination list and dispatch an assassination team or drone under Obama’s assassination program?
- U.S. Government Doesn’t Need Evidence to Call You a Terrorist (truthdig, July 24, 2014):
A key government document obtained by The Intercept confirms that the Obama administration does not require “concrete facts” or “irrefutable evidence” to brand Americans or foreigners as suspected terrorists.
Journalists Jeremy Scahill and Ryan Devereaux reported Wednesday: Continue reading »
- How the US’s terrorism watchlists work – and how you could end up on one (Guardian, July 24, 2014):
Long-withheld document provides insight into secretive system in which people can be placed on terrorism databases with astounding ease, and without any way to get off
Placement on a terrorism watchlist is a life-changing event. Your travel is monitored and in many cases restricted. If overseas, you could be stranded, costing your employment or reunion with your family. You could be detained and, certain lawsuits allege, tortured by foreign governments.
Yet the ease with which someone can be placed on US watchlists and terrorism databases contrasts markedly with the impact placement has. A long-withheld document published on Wednesday by the Intercept detailing the guidelines for placement shows that the standards for inclusion are far lower than probable cause, and the ability for someone caught in the datasets to challenge their placement do not exist. In 2013, the government made 468,749 nominations for inclusion to the Terrorist Screening Database, up from 227,932 nominations in 2009; few are rejected. Continue reading »
- I, spy: Edward Snowden in exile (Guardian, July 19, 2014):
He doesn’t drink, he’s reading Dostoevsky and, no, he doesn’t wear a disguise. A year after blowing the whistle on the NSA, America’s most wanted talks frankly about his life as a hero-pariah – and why the world remains ‘more dangerous than Orwell imagined’.
- Meet CISA – Dianne Feinstein’s Latest Attack on Privacy, Civil Liberties and the Internet (Liberty, Blitzkrieg, July 15, 2014):
There’s not much good you can count on Congress to accomplish, but when it comes to introducing and passing oligarch protecting, civil liberties destroying legislation, our “representatives” are absolutely relentless in their determination. Unsurprisingly, the only “distinctly native American criminal class,” as Mark Twain described Congress, is at it again when it comes to institutionalizing spying and attempting a legal run around the Bill of Rights.
One thing that has become crystal clear since the Edward Snowden revelations, is that much of Congress has no problem at all with unconstitutional spying. Rather, they are primarily upset it was exposed and are dead set on making sure no other whistleblower can ever do the same. Enter CISA, or The Cybersecurity Information Sharing Act.
Tags: Barack Obama, Bill of Rights, CISA, Constitution, cybersecurity, Dictatorship, Fascism, Fourth Amendment, Global News, Government, Internet, Law, New World Order, Obama administration, Politics, Society, U.S.
- Obama adm refuses to pursue criminal investigation of CIA spying on Senate staffers (RT, July 10, 2014):
The Department of Justice has officially ended its criminal probe concerning allegations of spying and document stealing involving the United States Senate and the Central Intelligence Agency.
On Thursday this week, a DOJ spokesperson confirmed to McClatchy that the Justice Dept. won’t pursue any further its investigation into whether Senate Intelligence Committee staffers took classified documents from a secure facility, nor a related probe concerning allegations that the CIA spied on those same congressional workers. Continue reading »
- FBI Raids Home of Dangerous Doomsday Prepper: Agents Find Legally Owned Firearms, Barrels of Food (SHFT Plan, June 22, 2014):
The Federal Bureau of Investigation and other law enforcement agencies blasted alerts all over the country earlier this week advising Americans to be on the lookout for ‘Doomsday Prepper’ Martin Winters, who police say was stockpiling over fifty “high powered” rifles, deadly booby traps and food in preparation for an “end times” event. Neighbors interviewed by mainstream news were terrified about the allegations, leaving some with the impression that Winters was “crazy” because he allegedly claimed that he would kill federal agents if necessary.
While SWAT officials indicated the likelihood that they would have to engage Winters in a firefight was high, friends and family suggested otherwise, saying that Winters may have had views different from most people but insisting that he is a “good guy” who wouldn’t hurt others unless it was necessary to do so in self defense. Continue reading »
Added: June 11, 2014
(First my apoogies for not proofreading my comment. Hope you can nevertheless understand what I want to tell you.)
Unlike stated in the video the elitists do have plans for WW3.
Keep in mind that I do not want you to get scared.
I just want to help you to get prepared spiritually, mentally and physically.
I know for a fact that … “life is an echo, what you send out comes back”.
And so I better be very careful what I am telling you.
Does WW3 really have to happen?
The question really is:
Will we allow it to happen???
( … like we have allowed the Patriot Act, the NDAA, all those (NWO) executive orders, GMOs, vaccines, water fluoridation, chemtrails, depleted uranium & genocide, food additives like Aspartame & MSG, Fukushima, Iraq, Afghanistan, Libya, Syria, deficit spending, quantitative easing and the greatest bank robbery in world history.)
If your answer to that question is that we will probably allow WW3 to happen, then I suggest you better prepare.
Many seers have seen very similar WW3 scenarios and the reason for that is that WW III is planned, which could cause all those normally infinite future timelines to collapse into a predictable future:
When you see civil war breaking out simultaneously in Germany, France and Italy (probably because of the financial/economic collapse), then we are getting very close to the beginning of WW3 as it has been predicted.
If you see Pope Francis (= Petrus Romanus) fleeing the Vatican and Italy, then the start of WW3 is very close.
Right before or better immediately before the outbreak of WW3 (by then it is too late to prepare yourself if you haven’t done so yet) there will be an assassination taking place of up to 3 people in leading positions (Could be Putin, Obama or …).
(Probably by then NATO has provoked the Russians ‘enough’, because then …)
The next thing those seers saw were Russian tanks running all over Europe, destroying everything in their path.
The big fight will take place in Germany.
The Russians will be stopped and defeated (… probably with the help of a third power coming (back) right out of the Inner Earth?).
The beginning of the real earth changes will also put a sudden end to the fighting.
Shortly after the fighting has stopped the real earth changes will take place.
3 days of darkness are coming (asteroid impacts?), where you shouldn’t leave the house and better be in the safest and airtight place that you know of and have available to you.
Don’t go outside, don’t open the windows as the air outside will be deadly.
Water and food stored in safe rooms (metal shielded) should be safe, otherwise all food and water that is not stored in sealed metal containers will turn bad.
(Living near the ocean and at sea level is not the place you want to be. Also living next to steep mountansides is not a good idea.)
Why do I give credence to those seers?
Alois Irlmaier for example clearly foresaw smartphones and drones in a time when they did not exist.
He foresaw rising inflation, hyperinflation, the people getting taxed into oblivion and the collapse of the euro, when he couldn’t even possibly know that the euro was planned.
I myself have seen the future several times as it came to pass. So I know that it is possible to do these things.
One of my best friends grew up as a young child with a real master who taught his parents (his father being a bank manager!) and some other people. Among them several medical doctors.
A real master?
After my friends mother had a full abortion of her sixth child this master said that she has put the child back into the womb, because the child belongs to the family and the family belongs to this child.
The next months went by and my friends mum wasn’t sure if she really was pregnant.
Then at a birthday party that master was the one who felt the labour pains and sent my friends mum to the hospital.
Where she gave birth to a healthy girl.
This master could heal the sick instantly (but she also said in some cases that the disease was due to Karma and told them when it will go away and it did) and could manifest out of thin air.
Whenever she needed money she pulled a brandnew dollar note out of her pocket.
These are just some of so many, many stories that I’ve been told.
Here is why this is important …
Many, many years ago this master predicted that after the earth changes you can choose your land wherever you want to (because there are obviously not many humans left).
As young children she showed my friend and his brothers & sisters ‘her friends’ that are here to help us (unlike the ones our governments are currently dealing with) and he remembers that she took them outside during a starry night and the stars were moving like they were riding in a rollercoaster. She told them that this are UFO’s. My friends dad (the bank manager!) saw one of these UFOs landing in close proximity.
When studying acupuncture in China I came to know my good friend (from the other side of the planet) and got told all these wonderful stories from him and later also from his entire family.
Having already experienced some tiny, tiny miracles (in comparison) myself, I had no reason to doubt him, especially because there were several stories that pointed to her being the real deal.
When her students started getting attached to her she warned them, but when they did not listen she left them.
A real master will never allow people getting to attached to him, or even start to worship him, as he only wants to show them the way, helping to speed up their spiritual growth.
If then the students become too attached to the teacher the whole purpose for the master being there in the first place is lost …
… and so he has to go. Usually that’s the beginning of a new religion. When the truth is getting lost religion appears.
If all hell breaks loose and you don’t know where to go and turn to, go inside and connect yourself to the source, the creator, God, your inner self or whatever you may want to call it.
Know you are protected, know you are eternal.
I do not pretend to know what will happen and when, but this master said that it will come like a thief in the night.
Hopefully we can find ways to avoid WW3 and to minimize the earth changes.
If you think all of this is comlete BS then why have the elitists built the Doomsday Seed Vault?
- Meet The “Minerva Research Initiative” – The Pentagon’s Preparation For “Mass Civil Breakdown” (ZeroHedge, June 14, 2014):
About a month ago we showed photos of the Chinese police engaged in a drill designed to crush a “working class insurrection”, in which the police did precisely what would be required to end a middle class rebellion. It made us wonder: what does China know that the US doesn’t. As it turns out, nothing.
Because long before China was practicing counter-riot ops using rubber bullets, all the way back in 2008 the US Department of Defense was conducting studies on the dynamics of civil unrest, and how the US military might best respond. The name of the project: “Minerva Research Initiative” and its role is to ” “improve DoD’s basic understanding of the social, cultural, behavioral and political forces that shape regions of the world of strategic importance to the U.S.” Continue reading »
A significant portion of the billions of rounds of ammo purchased by Homeland Security are hollow point rounds.
Under the Geneva convention, hollow points are illegal to use in war, because they cause far greater tissue damage.
And so those hollow points can and will only be used domestically, inside the United States, in the coming civil war.
Homeland Security has enough ammo for (at least) a ’24-Year Iraq War’.
- Revealed: How Obama administration arms police to the teeth with battlefield weapons (RT, June 10, 2014):
The Pentagon has an awful lot of leftovers, but luckily for law enforcement agencies across the United States they aren’t going to waste.
Millions of dollars’ worth of military gear is distributed to local police forces on an annual basis, and these regular exchanges are occurring from coast to coast in towns and cities that are hardly considered epicenters of violent crime, let alone on par with the foreign warzones where these hand-me-downs — machine guns, armored cars and other made-for-battle items — were originally intended to be used.
Over the weekend, the New York Times took a look at some staggering statistics concerning a Congress-created military-transfer program in which items in the Department of Defense’s massive inventory are routinely supplied to small-town police departments for free. Continue reading »
“Today, America would be outraged if U.N. troops entered Los Angeles to restore order. Tomorrow they will be grateful! This is especially true if they were told that there were an outside threat from beyond, whether real or promulgated, that threatened our very existence. It is then that all peoples of the world will plead to deliver them from this evil. The one thing every man fears is the unknown. When presented with this scenario, individual rights will be willingly relinquished for the guarantee of their well-being granted to them by the World Government.”
- Henry Kissinger, Bilderberger Conference, Evians, France, 1991
- Across America, Police Departments Are Quietly Preparing For War (ZeroHedge, June 9, 2014):
At first blush, the title of this post could be perceived as somewhat hyperbolic by those who still have an impression of America’s police departments as bastions of safety, designed “to protect and to serve” the population of the “land of the free.” However, said impression would be promptly washed away upon reading an article in today’s NYT which citing Pentagon data, reveals that under the Obama administration, “police departments have received tens of thousands of machine guns; nearly 200,000 ammunition magazines; thousands of pieces of camouflage and night-vision equipment; and hundreds of silencers, armored cars and aircraft.”
Which begs the question: just who is America’s police force, and by extension the Obama administration, which is behind this quiet militarization of local police forces with weapons that would normally be seen in a warzone, preparing for war against? Continue reading »
H/t reader squodgy.
Don’t miss the executive orders!
- What’s behind the national ammo shortage? (CBS, May 21, 2014)
- The City Where Blacks Suffer Under ‘Stop and Frisk on Steroids’ (The Atlantic, May 30, 2014):
Police abuses in Miami Gardens, Florida, are staggering, but few Americans seem to care.
Last year, police in Miami Gardens, Florida briefly made headlines after surveillance video captured their harassment of a black clerk at a convenience store. They stopped and questioned the man, Earl Sampson, a ludicrous 258 times. On 62 occasions, they arrested him for trespassing at his place of employment, a pattern of abuse that confounded his employer, the store’s owner. After the Miami Heraldexposed this story, it made national headlines at numerous journalistic outlets, then quickly faded into obscurity at the end of one news cycle. The scope of the abuse taking place in the police department remained unknown. The vast majority of outlets that covered the story cared too little to follow up.
Now evidence of staggering citywide abuse has come to light. Continue reading »
- New Massive Federal Database to Hold Financial Information on Hundreds of Millions of Americans (Liberty Blitzkrieg, May 30, 2014):
The war on privacy continues unabated, as the U.S. government continues to prove time and time again that it views the citizenry as a bunch of cattle to be branded, herded and dealt with at will. It doesn’t seem to bother anyone in the establishment that the public has lost all faith in institutions and so-called “authority” (a concept which I do not believe in to begin with). The evidence of a growing number of Orwellian databases being created has been available for quite some time. Most recently, I covered this topic in the following articles:
Moving along, the public faces another sinister and unacceptable invasion to our privacy. A national financial database is being planned, which would contain the most intimate details of our entire financial lives. It may apply to as many as 227 million Americans.