Following WWI, the United States experienced a broad economic expansion that was fueled by new technologies and improved production processes. Investors were also given a breathing space, time to change their minds over stock purchase rather than having to regret an instant decision. According to Kezdi and Willis (2008) , it took a five hundred point gain in the Dow Jones to generate a one percentage point gain in expected yearly returns in 2002. From our spots on the wall, watchmen such as myself all over the nation are sounding the alarm about what we clearly see coming. The HRS…