So I talk about him a lot but one of the things Petar Zeihan points out is that we are rushing head long towards the greatest contraction of capital that will b

So I talk about him a lot but one of the things Petar Zeihan points out is that we are rushing head long towards the greatest contraction of capital that will be seen in our lifetimes, our parents lifetimes, and our children's lifetimes. Basically the boomers are retiring cashing out their 401ks causing that money to no longer to be available for investment and contracting the money supply at the same time the younger generation can't offset it, as you noted. As a result capital is going to contract and if you want a loan get it right now as fast as you can.