Everything Has Changed

The apocalypse continues to have a massive impact on us all, Whilst there’s a lot that’s bad, there’s a lot that’s good, including the change in optics around what matters

But its not just COVID. Over in banking land the regulators are getting stuck in and demanding that the customer is placed front and centre whilst the entire business model of Net Interest Income is eroded in a negative interest rate environment

As America battles  and Europe disintegrates, China strengthens , technology is accelerating a massive change in the shape and velocity of asset flows.

Fossil fuels are now more expensive than solar for huge amounts of the planet, rewinding the entire  dinosaur bone burning industry and the middle east  back 150 years



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