The worst bear market in 75 years is over, yet equity markets haven’t budged in the last five years. Over-extended U.S. consumers, who helped inflate real estate and market bubbles, have started the long process of deleveraging, while the U.S. government has yet to begin. And one by one, a number of countries within the European Union are facing fiscal default. These are all long-term problems that will change investment and economic assumptions for many years, leaving many ...

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