What do we know and what are we facing?

By Mitchell Vexler, December 8, 2025

As of December 8, 2025 we know:

The Press and Federal Reserve have stated that we are not in a recession. The evidence is the opposite.

Any one of the of the following 50 issues is enough to cause a recession or major credit crisis:

1.   There is an estimated $2 trillion of a commercial real estate maturity wall.

2.   7-8% interest rates are colliding with 3-4% underwritten loans.

3.   Regional banks are carrying trillions of impaired credit.

4.   CMBS delinquency is surpassing 12%.

5.  2026-2028 refinancing failure cycle leading to liquidity drying up, creating the same circular argument that occurred during the Great Depression 1929-1939. The period was characterized by high rates of unemployment and poverty, drastic reductions in industrial production and international trade, and widespread bank and business failures around the world. The economic contagion began in 1929 in the United States, the largest economy in the world, with the devastating Wall Street crash of 1929 often considered the beginning of the Depression. Remember the Federal Reserve was created in 1913. The establishment of the FED followed a series of financial panics, particularly the panic of 1907, which highlighted the need for a central banking system to stabilize the economy. The Federal Reserve Act, signed into law by President Woodrow Wilson, aimed to provide a safer and more flexible monetary system. Since its creation it was supposed to conducting monetary policy, supervise and regulate banks, maintaining financial system stability, and provide financial services to depository institutions and the U.S. government. By my count and the devaluation of the U.S. dollar purchasing power by 97% since 1913 it has failed on every single count.

6.   Global monetary restructuring (BRICS, gold settlement rails being created, de-dollarization) is in play  (perhaps the U.S. reverts back to the Gold Standard).

7.   A potential currency revaluation event may occur.

8.   There is declining U.S. treasury confidence.

9.    Surging sovereign debt is at roughly U.S. $38 trillion+, roughly $114,800 / U.S. Citizen.

10.  Surging U.S. unfunded liabilities is at a claimed $127 trillion, roughly $338,600 / U.S. Citizen.

11.  Surging derivatives market is at roughly $600 trillion, of which true value is a claimed $20 trillion, roughly $60,400 / U.S. Citizen.

12.  Supply-chain fracture and geopolitical fragmentation exists.

13.  Farmer bankruptcies may lead to shortage of food & riots as currently seen in Europe, France and the UK.

14. Farmers are losing money because the cost of seeds and fertilizer has gone up as a result less competition via mergers and acquisitions of the seed and fertilizer companies. Add to this the same inflation and property tax issues we as a nation suffer from ends in massive amounts of bankruptcies and worse suicides. PTSD comes in many forms, and this must be addressed.

15. Making up contorted and contrived socialist/globalist/communist policies to fix a non-existent problems including DEI, global warming, and the offshoots of these financial crimes created as an example, under the Biden Administration, a shortage of cattle (food) by idiots wanting to prohibit cows from flatulating. Recognizing the truth is the only way to fix it to ensure it does not happen again. If you don’t recognize the truth and fix the underlying issue, you end up with more socialist grifter nonsense. The only question to be asked of a politician is what team are you playing for…the socialists or the capitalists. We the people should demand from every politician the requirement to prove and state their position in writing by contract. A written contract between you, the politician, and your constituents. As a side note, this book is written for team Mom and Pop because there are more of us than the idiot politicians who refuse adhere to their oath of office being to protect and defend the Constitution of their State and the United States of America. Such contract can be seen in the article, The Legacy of Governor Abbott: Governor Abbott’s “Empowering Texas Taxpayers” is the embodiment of Institutionalized Systemic Moral Hazard

16. Germany is in a Depression; London and France are on the verge of civil war; Canada although rich in natural resources is bankrupt, and all due to the influx of uncontrolled immigration and politicians unwilling to face the reality of super debt that they allowed to occur and which a simple amortization spreadsheet and one question being, when will this be paid off, could have prohibited.

17.  China also suffers from untold amounts of debt and ghost cities.

18.  The U.S. trading partners, whether we like it or not, are in equivalent or worse economic shape than the U.S. making us the best deviate on a very bad block.

19.  Approximately $5.1 Trillion of fraudulent outstanding school district bonds (roughly $15,407 / U.S. Citizen) that cannot be paid off by the households (some school district with debt in excess of $300,000 per house). The AA, BB, ratings of the bond agencies are wrong as the ratings do not denote the fraud necessary to achieve the revenue to pay for the bonds. There is not a single school district that we have seen yet that can answer how the bonds are going to be paid off. The bonds have been rolled out and interest rolled up at least since 2000 and the interest continues to climb as does adding new bond debt.

20.  Fraudulent school district property tax created allegedly “for the kids” but in reality to fuel the growth of a failed school system and then the creation of fraudulent school district bonds to be paid for by the property owners which fueled more inflation. Your property tax dollars are being used in advertising by the school districts (also not adhering to law) to raise fraudulent bonds and revenue that ends up in hidden investment pools. The money is not going “for the kids” it is going into fraud.

21.  Inflation by printing money not backed by assets is a hidden tax and inflation is created by fraud.

22.  People are losing their homes in mass due to property tax fraud and the Ponzi scheme created to generate revenue to cover up the fraud. 

23.  People are losing their jobs due to excessive debt at the companies they work for.

24.  144 million taxpayers in the U.A. and a 10% true unemployment rate is roughly 14 million people. 

25.  Since 1913, the U.S. Dollar’s purchasing power has decreased 97% from 1017 in 1913 to 30.8 in 2025.

26. Property tax at the State level, violates the 16th Amendment to the U.S. Constitution. The Sixth Amendment guarantees rights related to criminal prosecutions, such as the right to a speedy trial and legal representation. The Supremacy Clause, found in Article VI of the Constitution, establishes that federal law, including constitutional amendments like the Sixth, takes precedence over state laws.

27.  The compound interest on the fraud is magnitudes greater than the principal of the fraud.

28.  Home Affordability is non-existent due to the fraud. See Home Affordability Chart.

29.  Small business is the economic backbone of the U.S. and Canada with AI as the promoted savior, except AI will never replace small business or big business in that without controls it violates human nature to work and has a high probability of fueling civil war.

30.  The scourge of socialism/communism is on the rise as a direct result of “affordability”. What the population does not understand is that socialism transfers someone else’s money (Yours) into the pockets of recipients (Theirs) who did not produce the goods and services and socialism, as created by a drunk named Karl Marx, has failed, without exception, in every country that adopted it. Every country without exception that has instituted or attempting socialism and or communism has economically failed including Russia (in the past), Argentina, Greece, China, which is in severe financial trouble today, Germany, which is at the entry of a depression, and London, which is failing because of immigration and socialism. The nexus between all these countries is the inability to generate the money to pay off debt that resulted from failed socialist policies. Socialism produces chaos, and the socialists manipulate the public into believing they, the socialists, can make the public’s lives better, which never happens. Capitalism is not the problem, fraud by socialists who can’t understand debt and are incapable of handling debt, and want to create more debt, is the problem. Socialism is anti-Republic and anti-capitalism. A social policy is not under any circumstance to be compared to socialism. My Father taught me the difference between socialism and a social policy and after leaving Canada, a socialist country, here we all are having this discussion. A social policy consists of guidelines, principles and perhaps legislation that affect the living conditions conducive to human welfare such as the priority of eliminating hunger. Capitalism allows for a social policy to exist. Socialism creates the environment for hunger to exist and the hunger to expand all while the socialists claim to be doing good for society, which has never been proven to be true. Socialism / communism should be banned from a Republic as its very existence in a Republic should be met with charges of sedition which is, overt conduct, such as speech or organization, that tends toward rebellion against the established order. Sedition often includes subversion of a constitution and incitement of discontent toward, or insurrection against, established authority and is punishable by up to 20 years in prison. This is another example where the black letter of the law exists and failure to rely on the law leads to harm of the public and the Republic.

31.  In 2025, the average annual premium for employer-sponsored health coverage is approximately $26,993 for family coverage, with employees contributing about $6,850 toward these premiums, and the employees without employer-sponsored health insurance have to cover the premium costs on their own. The total health benefit cost per employee is expected to rise by about 6.5% on average in 2026 marking the highest rise in 15 years, reflecting ongoing increases in healthcare service prices and utilization rates in another system rife with fraud.

32.  In the United States, health care spending is a significant part of the economy, with total national health expenditures reaching approximately $4.9 trillion in 2023. This spending includes costs from public programs, private health plans, and out-of-pocket expenses.

33.  In fiscal year 2025, the federal government spent about $970 billion on interest payments on the national debt. This amount represents roughly 19% of all federal revenue collections. A deficit occurs because the revenue does not exist to prohibit the deficit. Recessionary measures include: Consumer - Housing Permits, Job Sentiment, Jobless Claims, Retail Sales, and Wage Growth; Business Activity - Commodities Expansion, ISM New Orders, Profit Margins, and Truck Shipments; Financial - Credit Spreads, Money Supply, Yield Curve. These indicators are manipulative at best and pure fiction at worst. The standard Recessionary Indicators are fiction because in their totality they are meaningless because they do not track or consider the truth of the economy, which is Median Household Income, Corporate Bankruptcies, Personal Bankruptcies, Debt to GDP (State and Federal), Corporate debt above 30%, Household Debt above 28% Debt to Income, Home Affordability & Inflation. Ask yourself why are there more recessionary measures not tracked and considered vs alleged recessionary measures that are tracked? Why is it that we have yet to see any school district that raises bonds provide a list of outstanding bonds and outstanding compound cumulative interest on those bonds?  Why is it that the press and the politicians refuse to address the pink elephant of debt dancing around the room as if in the movie Fantasia? The answer is the politicians, and press created the narrative. If they discuss it, the truth comes out.

34.  The interest payments on the national debt exceed many household expenditures, including health care. For context, the average household spends about $6,500 annually on health care, while the interest payments amount to approximately $7,300 per household. 

35.  The rising interest payments contribute to the overall financial burden on the federal budget, which can indirectly affect health care funding and costs. As interest payments grow, they may limit the resources available for health care programs, potentially impacting on affordability and access to care for individuals.

36.  Gold, Silver and Platinum are increasing in value, but why? Money in circulation has been increasing and printed not backed by assets being M1 + M2 + would put gold around $46K per ounce. Add in the unfunded liabilities and it could go to $80K per ounce. Regardless of where the price goes, the current reality is that the purchasing power of many currencies across the globe have devalued, and Central Banks know this, and are acquiring precious metals to protect against further erosion.

37.   Silver is currently at $59.23, and Gold is at $4,235 per ounce.

38.  The fraudulent bonds created by the school districts, is the exact same issue as the Federal Reserve printing money not backed by assets. That is your proof that the Fed and the School Districts are the 2 largest purveyors of fraud in the U.S.

39.  The property tax fraud and school district bond fraud is creating homelessness, hunger, tax lien foreclosures and it is the result of socialism which by its very nature is intent to defraud. Fraud at every level of the School District bonds including Superintendents, Boards, bond rating agencies, underwriters and those who protect them. Fraud at every level of the Central Appraisal Districts which are owned by the School Districts under the fraudulent delusional statement by the CADs and Registered Professional Appraisers working for the CADs being “our opinion is the clear and convincing evidence”. It is important to understand that this statement is aggravated perjury which is a more serious form of perjury that occurs when a person (RPA) makes a false statement under oath during an official proceeding (ARB hearing), and that statement is material to the case / presentation. It is classified as a felony and carries harsher penalties than regular perjury.

40.  37.8% of the household population is in harm’s way of bankruptcy and or losing the roof over their head. That is 42,000,000 people in the U.S. A bankrupt population is a National Security Risk. See the Amicus Brief.

41.  Did you realize that your property taxes are roughly 8.6% of your gross income?

42.  You cannot take people’s money to the point of bankruptcy. The war of 1776 was fought over “Taxation Without Representation”. Not one person in the history of the U.S. or Canada ever signed a single piece of paper that states they are willing to go bankrupt to support their school district.

43.  Many new under-construction apartment buildings will be going back to the lenders because the necessary average rent is around $3,400 for roughly 950 sq. ft. per month based on a current construction cost of $340,000 per unit. The vast majority of people cannot afford this rent.

44. People / Press who state their feelings without any ability to quantify those opinions are doing harm to their viewers and simultaneously destroying their own credibility.   

45.  From a real estate tax standpoint, just to get back to where we were 5 years ago would mean a 50% price reduction in home value. Those lenders, school districts and central appraisal districts who promoted and participated in the fraud deserve the finality of their decisions.

46.  There has been a 100% rise in property taxes in last 5 years as a result of property tax fraud and school district bond fraud. As inflation went up 15% according to the Federal Reserve, where is the math to prove up the other 85%?

47.  The median household income does not exist to pay off the fraud.

48.  Inflation – liquidity – banks willing to ignore income verification in exchange for pushing money out (to obtain the fees) under the belief that the government will bail them out is the creation of Institutionalized Systemic Moral Hazard because the laws that exist are ignored in favor of the crimes. After studying thousands of business models, patterns become crystal clear and the only thing that matters is the median household income from which the true value of the underlying can be determined. The MHI is a business model and anything associated with ignoring the MHI leads to fraud and Institutionalized Systemic Moral Hazard.

49.  Fed Funds rate may go down, but that does not necessarily mean the mortgage rates will not up because risk requires higher interest rates to offset the risk.

50.  Governor Abbott’s legacy, with regard to property taxes, is actually the implementation of multiple modifications to the failing property tax system, including but not limited to the following: getting school choice legislation passed into law, increasing school district homestead exemption amounts 4 times, increasing homestead exemptions for seniors and disabled, providing temporary limit/relief for certain non-homestead properties (20% circuit breaker limit), limiting the amount of new property tax revenue cities and counties can collect without voter approval, adding 3 more people to the appraisal district board of directors [which does nothing to move or effect the vote, nor does it improve or correct the property tax appraisal process], among other things. All of these changes were adopted to placate the public while finding ways to keep up with the ever increasing demands of the school districts to cover up their bond fraud which, at this point, can never be paid off because the Median Household Income does not exist to do so and all of which failed, as the initial concept was never mathematically sound, which is exactly why taxing property based on market value is taxation of unrealized gains and violates the 16th Amendment to The Constitution of the United States of America. None of these things actually resolved the fraud within the property tax appraisal process and tax system, but they are part of Governor Abbott’s legacy from all the way back to 2002 when he was the Attorney General to now. (See article titled, The Legacy of Governor Abbott.)

What has your Governor done about your school district debt? Do you know how much fraudulent school district bond debt has been placed on your house that you will owe to be paid in perpetuity? (See the Amicus Brief.)

Now add to the 50 issues…What are the courts doing about the fraud?

The above 50 issues touch the life of every single American. In fact, every single one of the 50 issues is a direct result of existing laws not being enforced. Rules and laws required of we the people that are different than rules and laws which are ignored by the governing entities and persons responsible under law cannot exist under the Constitution of the United States of America. Under a Republic the laws are applicable to all. A republic is a form of government in which supreme power is held by the people and their elected representatives, rather than a monarch. The term originates from the Latin “res publica,” meaning “public affair.” A defining feature of a republic is the rule of law, where governance is based on a constitution or established legal framework, not on arbitrary power.

What are the courts doing about the fraud that has been evidenced?

Well, either the law exists or it doesn’t! We are about to find out. Not only is the equity in your home being stripped from you while you sleep, so are your constitutional rights! This should concern every property owner and every single citizen, because you are paying for it regardless of what State you live in. As goes California and New York, so goes Texas! As goes Texas, so goes the United States of America!

Uniform and Equal cannot exist (as required under Constitutional law) when the ARB (Appraisal Review Board) and CADs (Central Appraisal Districts) refuse to acknowledge Uniform and Equal, when the Supreme Court of Texas blocks an Ultra Vires (acting outside the scope of authority) case from being adjudicated, wherein the Texas Law states that the Chief Appraiser is the party responsible in law, when the law itself does not exist as the Appraisal Review Board, is wrongfully deemed the exclusive remedy which is impossible as it does not have authority in law or the ability to determine fraud. Thus the courts created a legal dead zone which is exactly why the Supreme Courts exist. However, by refusing to hear the case without an explanation, the SCOTX is in violation of its own doctrine under the Patel case and is promoting Institutionalized Systemic Moral Hazard.

The Disappearing Doctrine: How Texas Rewrote Ultra Vires and Shielded Constitutional Overreach from Judicial Review.   How do we know? We caught them and documented every step in the process of how the property owners have been defrauded financially and simultaneously suffered the hidden repeal of their constitutional rights.

The Motion for Re-Hearing Case No. 25-0615 to the Supreme Court of Texas (SCOTX) below makes the point that either the law exists to protect the citizens or it doesn’t. Is it below?

The concept of ultra vires in Texas was established through legal precedents, particularly highlighted in the Texas Supreme Court case City of El Paso v. Heinrich in 2009, which allowed lawsuits against government officials for actions taken beyond their legal authority. This doctrine serves as a narrow exception to the broader principle of sovereign immunity, enabling claims against officials acting outside their granted powers.

Definition of Ultra Vires

Ultra vires is a Latin term meaning "beyond the powers." It refers to actions taken by a corporation or government entity that exceed the legal authority granted to them. The opposite term, intra vires, describes actions within the scope of authority.

Contexts of Ultra Vires

Corporate Law

• In corporate law, ultra vires acts occur when a company engages in activities outside its charter or bylaws. Such actions are typically considered void or voidable.
• Most jurisdictions have limited the application of ultra vires in corporate contexts, allowing companies broader powers to conduct lawful business.

Administrative Law

• In administrative law, ultra vires claims can arise when government agencies exceed their statutory authority. Courts can review these actions to ensure compliance with legal limits.
• The Administrative Procedure Act (APA) allows for judicial review of agency actions that are deemed ultra vires.

Constitutional Implications

• Ultra vires can indeed be a constitutional issue, particularly when actions by government bodies or officials exceed the powers granted by the constitution or statutes.
• Courts may invalidate laws or actions that are found to be ultra vires, reinforcing the principle of limited government authority.

In summary, while ultra vires primarily relates to the scope of authority in corporate and administrative law, it also has significant constitutional implications when government actions exceed their legal limits.

SCOTX denied the case to be heard with no explanation. Could it be that an intern did not understand the case and blocked it from moving forward…TBD. However, let’s examine the impact of this case not moving forward. The ramifications of SCOTX currently denying the case from being heard meaning that Ultra Vires can’t be determined in law, then A.) for what purpose does Ultra Vires exist? and B.) there is no law to protect the Citizens which invalidates the Texas Constitution including & under Uniform and Equal.  If there is no law, then perhaps the approach by all property taxpayers should be…let’s all take a tax holiday for the next 12 months and force the school districts into bankruptcy, involuntary bankruptcy, and or conservatorship because the truth is that the vast majority of the school districts that raise bonds are insolvent as is the Texas Bond Guarantee Program and have been using the contorted hiding behind ultra vires as a method to cover up the necessity of the continued bond raises to pay for the compound cumulative interest on the outstanding bonds that are rolled out and interest rolled up instead of retiring the bonds... AKA Ponzi scheme, bond fraud, and accounting fraud.

There is a very serious problem here in that nobody with an ounce of intellect would agree to accept no protections under the law and have to accept the pre-determined budgets from a school district that has never seen a report on how much tax a property owner can afford, a school districts that creates a wish list of money with no bids, no construction drawings, boosted operations and maintenance (O&M) numbers, fraudulent interest and sinking fund (I&S) with no publicly available evidence of how much in bonds is outstanding and how much in compound cumulative interest is outstanding, all of which is handed over the Chief Appraiser of the Central Appraisal District (CAD) who has zero capacity to determine what fraud was committed by the School Superintendent and the School District Boards, and then the Chief Appraisers accept that fraudulent pre-determined budget, after being told to hit the pre-determined budget number, and then further expands, creates and “manipulates” fraudulent property values outside the confines of USPAP (Uniform Standards of Professional Appraisal Practice), Texas Property Tax Code, Texas Education Act, the Texas Constitution (Uniform and Equal) and The U.S. Constitution, not to mention a host of other State and Federal laws including RICO that are also being violated. This is the definition of a criminal conspiracy to defraud and the Attorney General, State Comptroller, State Auditor, and the courts have sanctioned it and right in the face of the very laws that are black letter of the law as each one of these entities and responsible people has the obligation under law to prohibit the exact issues they have created. 

The public must be made aware of these issues and start their own advocacy. Notify the judges directly in writing that this is not acceptable and demand your constitutional rights and copy your politicians. Writing, emails, and lawsuits when justified, including filing suit against the board members of the CADs, the responsible employees and school districts boards and responsible employees, holding them joint and severally liable. The reality is there is no viable method to save the school system, which is economically, criminally, and morally bankrupt, and the system must be destroyed and made to suit the local population without any ability to raise bonds on the backs of the property owners.

If we are not in a recession, where the government claims for promotional purposes that “the economy is fine”, then the above list would not exist. Even the economy of Wall Street and the banks is not fine when you analyze the over-leverage. Every economy, as the term is used globally, is made up of micro-economic drivers (aka sectors) such as small businesses (including farmers), big business, feeder plants, energy, and all the micro businesses within and derived from those various businesses, and then you have the business of property ownership including houses. Home ownership should be looked at through an income and expense statement, no different than a company. When you stack the math of the micro economic drivers, the math equating to “the economy is fine” simply can’t be true. The promotion is understandable to help increase top line revenue except the debt must be dealt with to protect the net revenue and ensure that people don’t lose the roof over their head due to fraudulent debt. The problem with how recessions are measured is that the formula does not take into account bankruptcies, fraud, the ability to pay off debt or Institutionalized Systemic Moral Hazard. Why is that? Because each of the true measures are a mirror reflection of those who created and promoted financial crimes against their own citizens.

A Supreme Court denial of certiorari (judicial review of a lower court) is not national precedent. Everything outlined in this book is the pattern and practice across the U.S. therefor although the evidence is based on Texas the pattern and practice is applicable across the U.S. and Canada. Any Central Appraisal District (CAD) that claims to use USPAP, while being the sole determiner of value from which to exact taxes for the School Districts that raise bonds, has an extraordinarily high probability of being involved in fraud and Institutionalized Systemic Moral Hazard. Meaning, what we have done by moving this case forward and exposing the legal dead zone and Institutionalized Systemic Moral Hazard, can be replicated in hundreds of districts across the U.S. The decision to not hear a case has no precedential value. The lower court’s decision is only binding within its own geographic jurisdiction, known as its circuit.

For example, a decision by the U.S. Court of Appeals for the Ninth Circuit is law in that circuit, but not in the Second Circuit. Other federal circuits remain free to address the same legal issue and potentially reach a different conclusion. This is how circuit splits can persist even after the Supreme Court denies a petition in a case raising a particular issue.

The issue here is that under no circumstance in Texas, based on the SCOTX own doctrine in the Patel case, does the SCOTX or the lower courts have the right to deny the constitutional rights of all Texans by denying the adjudication of a case where the lower courts admitted fraud occurred.

Complexity creates an illusion of legitimacy and hides dishonesty. We have the proof from the ground up starting at your property value and ending in fraudulent school district bond fraud that has as investors, 401Ks, Pension funds, tenants, residents, and property owners at risk, and at this moment, the fraud is being protected by the courts which is just another layer of complexity.

Institutionalized Systemic Moral Hazard happens when the government chooses to protect the banks, not the citizens. They would have protected both by letting the bad banks go bankrupt and this includes the shadow banks which have only grown exponentially larger utilizing more leverage (leverage upon leverage) and caused more cross collateralized loans between the banks, shadow banks, and reverse repo.

The mortgage holders are underwater. If property values went down, do you realize by law so must your property taxes Pari-Passu. That is a Latin phrase that means "equal footing" and describes situations in which two or more assets, securities, creditors, or obligations are treated equally, without preference or priority. If property values go down, such as in Austin with an 18% reduction, then so to must the property market value and assessed value yet the necessity for the payment on fraudulent bonds continues to go up which means the mill rate (tax rate adjustment) must go up to cover the fraud.  By definition this proves the bankruptcy of the entire school system across the U.S. and proves that it is a Ponzi scheme. The law is being violated in 2 directions. Pay to cover the fraudulent bonds in good times, and when property values drop, pay to cover even more fraudulent bonds and compound cumulative interest in bad times. The bond fraud is now laid bare for all to see.

The ongoing festering of grotesque government overreach being the Obama Care creation of – “never let a disaster go to waste” further promoted the inflation by A.) not allowing the banks to fail in 2009 and B.) the creation of Obama care in 2010. Kicking the can down the road of the failing banks and creating more fraud in the health care sector only prolongs the inevitable because inflation will reach the point of self-detonation. This is where the Rule of 72 proves the finality.

Governments cannot manage an economy, they can only manipulate it, and it is never a good outcome.

These are the truths. One should understand the truths, as difficult as they may be, and yet, be optimistic because eventually serious people will join forces to solve the issues and there are solutions. Temporarily, we as a collective society must make politicians and judges understand the ramifications of their actions. Either the law exists to protect the Citizens, or it does not. The politicians and judges should understand the depth of this statement. (See the article, Either the law exists or it doesn’t. We are about to find out.)

The American communist / socialist party as we know it today would cease to exist if the following measures were implemented:

1.  Nation-wide voter ID with in-person, same-day voting except for true absentee situations.

2.  End tax exempt status for ALL 501(c)(X)s.

3. Continue President Trump's enforcement of existing immigration laws until we have rolled back all the economic damage done which is estimated at roughly $64,000 per illegal immigrant since January 20, 2021 “a day that will live in infamy”. The phrase "a day that will live in infamy" refers to December 7, 1941, when Japan attacked Pearl Harbor, leading to the United States' entry into World War II. It was famously used by President Franklin D. Roosevelt in his speech to Congress, emphasizing the historic significance and disgrace of the attack. The economic damage and psychological damage inflicted by the Biden Administration upon all Citizens can be seen as an attack and is, at a minimum, a violation of the Oath of Office. The definition of Treason is the betrayal of allegiance toward one's own country, especially by committing hostile acts against it or aiding its enemies in committing such acts. The betrayal of someone's trust or confidence.   The offense of attempting to overthrow the government of the state to which the offender owes allegiance, or of betraying the state into the hands of a foreign power; disloyalty; treachery. Given the people that have been murdered at the hands of illegal immigrants that came across the border, I fail to see how Biden, and those who knew, should not be brought up on charges of Treason. It could be the ultimate RICO charge which is creating a false debt and making demand for payment. Who received the benefit from allowing this many immigrants to overtake our border? For the sake of conversation roughly 18,000,000 illegal immigrants multiplied by the estimated $64,000 / immigrant in housing, medicine, food, transportation etc. totals $1,152,000,000,000 ($1.152 Trillion) for the final year of the Biden administration and we are all paying for it because this debt has not gone away and bears interest. In its most simple terms, Joe Biden violated his Oath of Office and should be impeached in absentia. This was an expense not created for the benefit of governing, or for all Citizens, but was done for political gain (socialism / communism) and that political gain backfired and we are all stuck with the resulting damage. One Trillion dollars divided by the U.S. population would deliver roughly $3,000 to each and every Citizen. Instead, you will be paying this $3,000 plus interest in perpetuity to the point where the interest payment is greater than the debt and or the system implodes. Hmmm, just like the school districts! Creation of a false debt and demand payment!! 

We must be able to state the facts. The Republic of the United States came dangerously close to self-destruction as a direct result of socialism. Politicians on both sides of the isle and press, screech “it is for democracy”. They screech “it is for the children”. Yet, neither is true. The United States is a Republic, not a democracy. When is the word “democracy” is used as propaganda one should ask…who’s democracy? The democracy of a socialist (propaganda)? The democracy of a grifter (propaganda)?  Burdening the entirety of the population with debt based on fraud is a violation of the oath of office and those responsible should be held accountable both legally liable (criminal) and financially liable (civil). If we can’t state and prove what happened, then how are we, as a society, going to avoid nightmares in the future? If we don’t have rules of law, then how can we, as a society, prosper? 

Not to get political because there are idiots on both sides of the isle, but we must study the net results of their actions. It is the same as studying business models which I have done throughout my career. The underlying question is what is the cost benefit analysis?

What is the cost benefit analysis of a socialist / communist in office?

Did they run a cost benefit analysis? Did they run a what if scenario? Did anybody study the probabilities? Did anybody look at an amortization schedule as to when and how the debt would be paid down? Did anybody care, or was the economic destruction of we the people the end goal? If that was the end goal, then how is that not treason?

Unemployment Surge: The beginning of the socialist party of America… Obama

By October 2009, unemployment soared to 10%, and it remained above 8% for the next 43 months, one of the longest periods of sustained high unemployment in modern history. 

Mismanagement of the stimulus funds

• Failed Investments: High-profile failures like Solyndra and Fisker—companies that received millions in federal funding only to collapse—highlighted the inefficiency and cronyism inherent in the stimulus program.
• Progressive goal with the passage of the Affordable Care Act (ACA): Mandating coverage, imposing penalties on businesses and individuals, and creating government-run marketplaces.
• Rising Costs: Despite promises of affordability, the ACA led to skyrocketing premiums, driving many young and healthy individuals out of the market.
• Employer Challenges: Businesses faced new mandates, discouraging full-time hiring and encouraging a shift toward part-time work to avoid penalties.
• Public Backlash: By 2024, the ACA remains controversial, with critics arguing that it prioritized government control over market-driven solutions, stifling innovation and competition in healthcare.

Dodd-Frank - Stifling Small Banks and Businesses

Signed into law in July 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act aimed to prevent another financial crisis. However, its sweeping regulations had unintended consequences:

• “Too Big to Fail” Gets Bigger: Large banks grew even larger, while small community banks—the lifeblood of small businesses—struggled to survive under the weight of new compliance costs.
• Stifling Entrepreneurship: Small businesses, which rely heavily on community banks for loans, faced reduced access to capital, slowing job creation and economic growth.
• The Shift to Executive Overreach – Communism at work.

The Regulatory State Expands

The Federal Register of Regulations swelled to nearly 100,000 pages, the largest in history. By 2016, the cost of compliance with federal regulations reached $100 billion annually. Key areas of regulatory overreach included:

• Labor Regulations: The Department of Labor and the National Labor Relations Board implemented policies favoring unions, increasing costs for businesses and discouraging hiring.
• Environmental Restrictions: The EPA’s aggressive mandates drove up energy costs, particularly in coal-dependent states, harming both businesses and consumers.
• Internet Oversight: The Federal Communications Commission (FCC) imposed net neutrality rules, marking the first time the Internet faced federal regulation, sparking debates about free markets versus government control.

Economic Growth Stalled

Despite inheriting a major recession, Obama’s policies failed to generate robust economic recovery. The administration’s GDP growth averaged a dismal 1.5%, even as it projected over 4% growth annually. By comparison, Reagan-era growth averaged 4.4% following a similarly severe recession in the 1980s.

• Progressive Goals achieved, at great economic and social cost to we the people.
• Expanding Government – Communism at work.
• Dramatic expansion of government’s role in American life. From healthcare to finance to energy, policies placed bureaucrats in positions of control, sidelining the private sector.
• Redistribution of wealth was a cornerstone of the agenda. However, rather than reducing inequality, the policies exacerbated it. Rising healthcare costs, stagnant wages, and reduced economic mobility disproportionately harmed working- and middle-class Americans.

Obama’s Progressive policies, while celebrated by his supporters, alienated large swaths of the electorate. By 2016, frustration with stagnant wages, rising costs, and government overreach culminated in a political backlash that helped elect Donald Trump.

The Trump Reversal

President Trump wasted no time dismantling Obama-era regulations and policies:

• Tax Cuts and Deregulation: Trump’s 2017 tax reforms and regulatory rollbacks unleashed economic growth, with GDP averaging 2.9% annually from 2017 to 2019.
• Energy Independence: By prioritizing domestic energy production, Trump reversed Obama’s restrictions on coal and natural gas, reducing energy costs and boosting American competitiveness.
• Judicial Reshaping: Trump appointed judges who limited executive overreach, reversing several Obama-era regulations.

By 2024, the effects of Obama’s policies remain painfully evident.

While Obama’s supporters tout his charisma and historical significance, his presidency is increasingly viewed as a missed opportunity for real economic recovery and progress. His reliance on Progressive (socialist / communist) policies not only failed to deliver promised results but also deepened divisions in the country. Obama’s legacy is that of a failed socialist who existence spun Biden.

• Healthcare Challenges: The ACA’s structural flaws continue to burden the system, with many Americans facing limited choices and high premiums.
• Economic Inequality: Despite socialist rhetoric, the gap between rich and poor widened under Obama, as his policies favored large corporations over small businesses. Why? Because that is what a socialist grifter does. Take your money and put it in their pocket as fast as possible and whoever gets hurt is of no consequence or consideration.
• Lingering Regulations: While many Obama-era rules have been repealed, their impact lingers, particularly in sectors like finance and energy.

Obama’s presidency serves as a cautionary tale about the dangers of unchecked government expansion and progressive / socialist / communist policymaking. By stifling growth, discouraging innovation, and prioritizing government control over individual freedom, Obama’s legacy highlights the inherent flaws of big-government solutions and not stamping out socialism and communism within our boarders both of which are a violation of the Republic of the United States as the Constitutional laws exist to prohibit the economic devastation from such non-functional ideology as dreamed up by a drunk looking for a free drink (Karl Marx).

Obama’s policies ignited both political and economic backlash that reshaped the nation’s trajectory including the current problem of the ACA cost quadrupling in certain States. It is the propaganda of Obama and like-minded socialists such as the WEF that spun many of the problems now existing in London, Germany, and Europe including that of censorship. The problems these countries face are not good for trade between any of the countries including the U.S. 

May we never forget the death, damage, debauchery, debt and chaos that socialists / communists and or progressives leave behind. 

4.  Allow banks that make bad loans to fail. No bailouts and no bail-ins. Government has no business or acumen in picking winners and losers. Look at the financial mess we are in as a result of politicians who can’t balance a checkbook. A benefit is the reduction in U.S. National Debt and the interest to service that debt. Top line revenue increases Federally and Mom and Pop’s net revenue increases by the lowering of expenses.

5.  Terminate the Federal Reserve.

6.  50% debt jubilee on the face value of outstanding school district debt and an immediate termination of outstanding interest payments.

7.  Repeal all property tax in favor of the Uniform States Sales Tax wherein the Uniform States Sales Tax will upon stabilization be capped at 11%.

8.  Enforce the black letter of the law.

All we need to do is these 8 things, and America will be transformed back into the Constitutional Republic it was always created to be. 

If there was ever a time for the adherence to Constitutional law, now is that time!

Communism / Socialism fails when it runs out of other people’s money. Even the Russians and Chinese are not crazy enough to intentionally bankrupt their own citizens. Yet, here in the U.S. and Canada, the policy makers chose a path over many years, which if left uncorrected, can only lead to Terminal Failure.

How did we get here? 

The answer is allowing the creation of Institutionalized Systemic Moral Hazard with an intent to defraud via the printing of money or the creation of a false debt upon which demand is made (RICO) to pay for a wish list of pet projects, that are contrived and cannot be afforded. Just like a credit card, except magnified by trillions of dollars, and the liability to pay it off, according to the criminals who created the Institutionalized Systemic Moral Hazard and who also transferred our money to their pocket, is on all of us until we insist the law be enforced against the criminals.