Don’t stand where the lightning strikes.

My last post outlined a major change in direction for both this blog and for my related activities. The blog will focus on a rolling weekly worldview going forward. At the same time, I will begin offering coaching and support services along the lines of what I have done in past. This post is the first of the worldview series.

Rather than repeat what is in the prior post, the link above will take you directly to it should you be interested. By way of an introduction to what I am attempting here, from the previous post’s front-end …

“Big changes are coming to our world. Extremely big, and complex. So hard to keep track of what’s actually going on in this fast-evolving reality. Planners need some way to do this without spending huge amounts of time scanning, analyzing, and summarizing the torrents of information. I’m going to try to do this here as an experiment. Hope it works.”

What’s a “worldview”?

Many of my recent posts have addressed major events and situations from various points of views. While the focus was mostly on the U.S. world, global activity could not be ignored.

The world, however defined, is now changing so quickly, chaotically, and hugely that it will greatly impact virtually everyone on earth. It will affect each individual differently, depending on their location, activities, and luck. And, it will also affect every group, business, and organization differently.

Keeping abreast of these changes, even at a fairly high level, has turned out to be a major effort. I spend several days each week researching, analyzing, and summarizing the enormous amount of information available today. Much out there unfortunately is in the form of misinformation, disinformation, and malinformation, as a recent post addressed: “Information Overload, Misinformation, Disinformation”.

It became apparent to me in recent months that few people have the time, background, or interest in staying up to date on what is going on world-wise. Especially executives and senior managers who have the greatest need for such information.

Both planning and consequent action can no longer be done looking either at the past or the present. Past and present are gone for practical purposes, and will not return.

Most entities – people, groups, businesses, and organizations – will not prepare, or they will prepare in the wrong way. Many are unlikely to survive what we have coming, or even what has now surfaced. Fully reactive preparation, which may well be in a panic mode, may be of little value long-term but may just prolong the agony.

To prepare effectively – proactively – you need to begin with some kind of assumption about what major world events and situations are likely to impact you. Whether any or all will do so is unpredictable. The best you can do is to prepare in ways that this series of worldview posts will describe.

I will start in this post with an initial worldview.

A baseline worldview for planning, decision-making, and action

While this top level view will be pretty much the same for individuals, groups, businesses, and organizations, what will differ greatly is how it might impact each one individually. The top level worldview available on this website, beginning with the current post, will reflect a hypothetical manufacturing business.

The initial baseline worldview will track seven initial concerns:

#1. WW III

#2. The 2024 elections

#3. Disease-X

#4. Ukraine, Gaza, …

#5. Digital IDs and CBDCs

#6. Economic outlook

#7. Climate crisis

These may change from time to time as events and situations, along with various rulers-and-wannabes, rearrange the world.

I should probably repeat some essential introductory points from the prior post for those who haven’t read it:

It is extremely important to view these concerns as inherently and largely unpredictable. They are in effect a flock of black swans that may be seen incoming, but their path and landing places not evident. Recall that a black swan is an event or situation that it is unforeseeable in nature, magnitude, and timing except in the most general manner.

If you can foresee it in some detail, it is not a black swan.

None of these events and situations are what they appear. There is so much going on behind the curtains. Many powerful groups and people are competing for dominance. Winner(s) if any will be evident only long after the fact.

The worldview will consist of seven pairs of executive summary plus current supporting detail. I’ll make every effort to keep the supporting detail as concise as possible. Both will be updated weekly, as needed.

To begin …

#1. World War III


As I have argued in recent posts (see here and here), we are already in a world war in its early stages. It is so far at least non-big-nuke (i.e., not a world-ending catastrophe), and fortunately non-any-nuke. It is endless local and regional wars – as usual. The military-industrial complex is prosperous and happy.

Despite numerous warnings about imminent escalation, the reality seems to be just more small-wars-as-usual. This seems quite reasonable since the various warmongers – rulers-and-wannabes everywhere – do not want to dominate a rubble-filled, radioactive world. They want a fully functioning world, albeit with many fewer annoying people out and about.

So far, things in this respect are going well for them. Their main problems appear to be nasty competition between and within major blocks of rulers-and-wannabes. We have the West – the U.S., UK, EU, NATO, Canada, Australia, … – battling in a proxy manner with the rapidly emerging Eurasian and Global South block of nations – led by Russia, China, and India (now called BRICS+ as a group).

The unipolar West has quite successfully created, and continues to bunglingly enable, the growing group of multipolar BRICS+ nations. The latter seem almost certain to prevail in their own realm, leaving the West to continue its purposeful and quite rapid decline.

#1. World War III.

The underway WW III may lead up to a much greater WW III, as this article suggests:

“But for me, the MI6 angle is the first one to be considered in this attack [attack on the Crocus Concert Hall in Moscow], not the last one. And the keys lie in that very timeline. Because, as opposed to assuming that the US is the catalytic agent for events here — easy to think because [Victoria] Nuland is involved — reframing this as a distinctly British operation (with help from rogue elements in the State Dept. and CIA, of course) yields a far more coherent narrative.”

“Remember, we’re dealing ultimately with narcissists here. Then let’s remember cui bono. Because without assessing who benefits from this attack, we aren’t doing the analysis right. Moreover, I’m not trying to blame shift here away from the US. We are definitely a player here. But it’s defining who ‘we’ in the US is where the nuance lies.”

“What if Nuland was fired because knowledge of this attack finally reached the right people at State and the DoD? And they realized, rightly so, that an attack like this would make it nearly impossible for Putin to ignore and force his hand politically to escalate the war in Ukraine to a level that would justify to the people of the West that it was finally time for us to get involved over there.”

“… But, as I said, the real goal of this war wasn’t just getting Russia, they had to maneuver the US into a terminal state as well, through the costs of fighting a war we weren’t capable of sustaining. And that was the bridge too far for US interests not beholden to the ghost of Trotsky and the tears of Bill Kristol.”

“And now you have the ‘who benefits’ from this operation. The US saw no upside in brutally killing hundreds of Russian civilians, knowing full well it would be US doing the majority of the fighting. The UK and EU need the US to do this because if the US comes out of this war unscathed (like in WWII) then the current arrangement will continue, and their plans for domination will fail.”

If this isn’t world war via proxies, I can’t imagine what would be – apart from an escalation to a big-nuke version. For planning purposes, this suggests a lengthy period of localized fighting and terrorist hits by major player proxies.

Government spending will continue at ruinous rates, eventually leading to financial and economic collapse – probably first in the West. This in turn means high price inflation will continue as well. For those who are exposed to war zone and even troubled domestic sources, supply chain disruptions and shortages will probably become part of the “normal” business environment.

It also reinforces my sense that nothing any government or its lackeys says is reliable. The truth in fact may lie in directions opposite to what these sources are saying.

“… I believe that the reason the establishment is pressing so hard for WWIII is partly because of the upcoming elections and also because their covid agenda failed. Covid lockdowns and the vaccine passport system were their big play to create a permanent authoritarian environment with the ability to crush conservative groups that refused to submit. And no matter how you slice it they didn’t get what they wanted. World war is the natural Plan B.”

“It’s important to understand that every crisis created by globalists is meant to destroy the freedom minded. The true target is not Russia or Iran; they are peripheral. These events are designed to create an environment conducive to tyranny, they act as cover for engineered economic collapse, and they act as cover for the REAL war against those people that still defend liberty.”

“You could say that WWIII has already started, at least in economic terms. I also highly doubt that the end game for the globalists is a worldwide nuclear exchange; why spend decades building a massive control grid only to vaporize it all in seconds? I do think the danger of kinetic warfare is skyrocketing and that US and European citizens will be directly affected. It will take a sizable resistance movement to change the path we are being forced to follow, and things will get much worse before they get better.”

WW III (non-big-nuke version) is currently underway.
WW III (non-big-nuke version) is currently underway.

#2. The 2024 Elections


We are now in the thick of a major, even huge, election season. We can probably expect to see the very worst from both sides. There are no evident good guys in this escalating mess. The Uni-party will win and government will go on as usual. Very little will change except a few names.

The big uncertainty that I can see is one in which the election/selection results are not accepted by either party. This would involve many challenges, great disruptions, and huge protests. Government may effectively cease to function, assuming that it presently functions.

Should most of this occur, it seems likely that someone will arrange for martial law, or equivalent lockdowns. Some it appears think that the COVID-19 lockdowns and related restrictions were a dry run for the real thing come 2024 election times. It probably doesn’t matter much.

There would seem to be a couple of rather likely outcomes:

(1) 2025 will be a year of internal fighting and disruptions. Probably not “civil war” in any major respect like 1860-65, but at least a serious breakdown of civil order. Kind of like today.

(2) Major cities will see the most intense and damaging confrontations. These may in fact be a trigger for lockdowns nationwide.

Will these cause financial and economic collapse? Not in the short term I think, but perhaps helping things along for more serious consequences in 2026 and beyond.


Much as I might wish otherwise, some very useful information and insights appear in what may otherwise be regarded as political diatribes and worse. Here is an example that identifies what is going on in America that originates outside of traditional politics.

  • Paul Craig Roberts, President Reagan’s Assistant Secretary of the Treasury for Economic Policy, writing in the Institute for Political Economy, concisely describes an America that elections won’t fix no matter who (if anyone) wins: “A New Russia Has Emerged”:

“All across America and its empire everything is failing. Schools and universities are propaganda centers against white Americans, the military is a disunited tower of babel, massively expensive weapons systems are problem-plagued, the social and economic infrastructure is disintegrating, health care has been turned into a profit machine–at the public’s expense–for Big Pharma. Both water and food are polluted. Government bureaucracies have taken control over children away from parents. Economic opportunity is shrinking. Integrity cannot be found. People who insist on truth in place of propaganda are persecuted.”

The 2024 elections are unlikely to resolve any of this mess. Elections seem mostly to provide periodic venues for opposing groups to shout at one another in the nastiest possible manners.

For planning purposes, it is the disruption that seems most important. We will be dealing with disruption consequences of great severity and scope.  This suggests focusing on vulnerability and resilience as a top action priority.

Top 2024 candidates for President. Scary, both.
Top 2024 candidates for President. Scary, both.

#3. Disease-X


Disease-X, in case you have not heard, is a term used by the World Health Organization (WHO), a UN agency, to describe a surely coming but as yet unknown, devastating disease. Like COVID-19, even. I went into this whole mess in some detail in a recent post: “Who Is WHO? The Great Resetter, Maybe?”.

The main purpose of Disease-X, so far as I can see, is to help drive world domination by the United Nations (UN), the WHO, the World Economic Forum (WEF), the World Bank, IMF, and kin. The WHO has succeeded in getting virtually every nation on earth to sign up for its control agenda, which conveniently supersedes any national policies and interests. It basically establishes a worldwide police force to tackle the ravages of Disease-X before it actually happens. Very proactive, yes?

Disease-X then, for planning purposes, is simply (well, not quite so simply) a means of achieving world domination by one set of rulers-and-wannabes. Unfortunately, they may well succeed, at least temporarily, but not without serious and powerful pushback. From whom?

From the rapidly evolving and strengthening, multipolar, Eurasian and Global South (aka Global Majority) nations led by Russia and China. This situation is indeed inconvenient for the West-driven world dominators, who detest competition.

While this global control contest is going on, we must be able to function in some manner regardless. It might therefore be reasonable to assume a Disease-X lockdown (or martial law equivalent) as a serious near-term risk.

Most of us have the COVID-19 lockdown experience to guide us in preparing for the next one. How did the COVID lockdown impact you? What would you have done to better prepare for COVID if you had advance warning?


Disease-X sounds a bit vague and techie, yes? Much better to have something much more official-sounding. Like H5N1 …

“Amidst growing concerns, experts have cautioned that a bird flu pandemic may be looming on the horizon, one that could be catastrophic on a scale ‘100 times worse than Covid-19.’ The alarm was raised following reports of the virus being found in multiple species, including cows, cats, and humans, which could potentially accelerate the virus’s mutation to become more transmissible among humans.”

“… ‘This appears to be 100 times worse than Covid, or it could be if it mutates and maintains its high case fatality rate,’ said Fulton. ‘Once it’s mutated to infect humans, we can only hope that the [fatality rate] drops.’”

“According to the World Health Organization, the H5N1 fatality rate stands at an alarming 52 percent, a stark contrast to the less than 0.1 percent mortality rate of Covid-19. The concern is that if H5N1 becomes easily transmitted among humans while maintaining its high fatality rate, the consequences could be dire.”

Keep in mind that that the “disease” of whatever name may well be nothing more than a way to scare kind trusting folk into behaving in the prescribed manner. Which they mostly will. This of course is the plan, nasty disease or not.

Whether or not the latest version of Disease-X is anything at all, the reality that must be addressed is that far too many people will believe, unquestioning. It seems likely to result in another, far more restrictive, social lockdown. This is our planning reality.

Planning for lockdown-proofing your business

You will almost certainly have taken many actions to ensure your ability to operate effectively during the 2020 COVID lockdowns. Are these still in place, or have they been largely returned to their former state? In the event of a repeat of the 2020 COVID lockdowns, which may well be far worse, are you fully prepared – today?

My guess is that the answers for most would be “sort of” and “wherever feasible”. Much of what was done in 2020-21 was an emergency response in nature. Not to mention panic. Such responses typically are far from optimal.

Another hard lockdown within the next two years seems highly probably from what I have read. It will just happen, like 2020 COVID, suddenly. Reactively preparing will be very costly for most.

Agency of the United Nations.
Agency of the United Nations.

#4. Ukraine, Gaza, …


These kinds of wars are either local or regional disputes of the kind that have been going on at least forever, or they are proxy wars driven by major powers against each other. Most likely, both. Gaza, Yemen, and kin seem to be the former. Ukraine is very clearly a proxy war between the hegemonic West – U.S., UK, EU, NATO, … – and Russia (with China and other Eurasian plus Global South nations) responding in a multipolar manner.

Local and regional wars are just part of our environment. The current proxy war between the big guys, however, is of extremely serious concern. It is presently escalating steadily, and seems likely to break out into something major. This was dealt with above in #1 – WW III.

“In untangling the causal factors behind the many crises we face today, the trail of breadcrumbs always leads to the transnational banking cartel, led by the BIS, which has the determining influence in shaping the system of governance under which our societies operate. This network likely constitutes the very ‘monolithic and ruthless conspiracy’ that President John F. Kennedy had warned about.”

The Power Behind the Throne and the Bankers’ Forever Wars.

“In the recent past, Ukraine was militarized and Nazified to strike against Russia with the same powers behind the throne pulling the levers.  As the US-installed Prime Minister of Ukraine, Arseniy Yatsenyuk spoke appreciatively in 2014, ‘… international bankers are ready to help us. … We would not have survived without their international assistance.’”

“The Western financial system, having operated globally over the past 80 years, is coming to an end, and in its place, the bankers will attempt to introduce a new global financial system based upon Central Bank Digital Currencies (CBDC), Digital ID, and Universal Basic Income (UBI). The system will facilitate surveillance of the most intimate aspects of our lives and demand our absolute compliance. There is more to CBDCs than meets the eye …”

I thought about merging this one with the #1 WW III concern above, but I still think that they are different – at least in terms of how each might impact us. “Bankers’ wars” are truly different.

➧ Summary:

While I continue to see us as already in a WW III, with Ukraine, Gaza, … being used to some degree for quite different purposes, the article below has a quite interesting perspective.

“If you’re getting the feeling like the globalists are really pushing hard for WWIII these days, you’re not alone.”

“In the past few months there has been multiple instances of European and US officials hinting at the possibility of a new military draft, the EU has talked openly about boots on the ground in Ukraine, NATO officials have stated unequivocally that they WILL NOT accept a loss in Ukraine to the Russians and the Kremlin has warned once again that nuclear weapons are on the table if western troops enter the war. The US government has recently asserted that Ukraine will be joining NATO, a red line in the sand for Russia.”

“Then there’s Israel and Gaza. I warned months ago in my article ‘It’s A Trap! The Wave Of Repercussions As The Middle East Fights ‘The Last War’’ that the war in Gaza would expand into a multi-front conflict that would probably include Iran. I also warned that it would be to Israel’s benefit if Iran entered the war because this would force the US to become directly involved. To be sure, Iran has already been engaging in proxy attacks on Israel through Lebanon, but Israel’s attack on the Iranian ’embassy’ or diplomatic station in Syria basically ensures that Iran will now directly commit to strikes on Israeli targets.”

“In other words, much like WWI, the situation is being escalated by the political elites despite the fact that the general public in the west is increasingly opposed to participating in the conflict. The globalists want to send us to war whether we like it or not.  Every decision they have made so far makes peaceful resolution impossible.”

There is just no way that anyone can reliably predict what’s going to happen next in this chaotic situation. It is not really a black swan since we can figure out general directions, but the series of events and situations that will actually occur are pretty much random to us.

Perhaps wars and rumors of war have always been used to mess with people’s minds, on both sides. Perhaps this is what many of the local wars are about. Mind control.

“Make the lie big, make it simple, keep saying it, and eventually they will believe it.”

“It would not be impossible to prove with sufficient repetition and a psychological understanding of the people concerned that a square is in fact a circle. They are mere words, and words can be molded until they clothe ideas and disguise.”

― Joseph Goebbels, master propagandist (Reich Minister of Propaganda from 1933 to 1945)

My sense is that we can use reporting such as this to indicate where we might want to focus our attention on becoming more resilient, agile, and adaptable.

Is the Ukraine situation also being used by some folks to mess with our minds?
Is the Ukraine situation also being used by some folks to mess with our minds?

#5. Digital IDs and CBDCs


Digital IDs and digital currencies (CBDCs) are all about money and control. And what is “money”? Money is a tool for control. In a rather lengthy and rambling article …

“Let me issue and control a nation’s money and I care not who writes the laws.” —  Mayer Amschel Rothschild, patriarch of the Rothschild banking dynasty, in 1790

“When a government is dependent upon bankers for money, they and not the leaders of the government control the situation.” — Napoleon Bonaparte

“The world is governed by very different personages from what is imagined by those who are not behind the scenes.” — Benjamin Disraeli, in 1844

“There is something behind the throne greater than the King himself.”  — Sir William Pitt, Prime Minister, in 1770

“Glenn Beck dropped a similar clue. In his interview with Tucker Carlson published on February 21, 2024, he shared a story of his encounter with George W. Bush:”

“I thought of something George Bush told me in the Oval Office. I was asking about the policies and how they were going to change, and he said, ‘Glenn, don’t worry, whoever sits behind this desk, in that chair, is going to have the same advice given by the same advisors and they’ll realize, the President’s hands are tied.’ I walked out of that room horrified… Why do we even have elections?”  [AP Note: We have elections to anaesthetize the electorate to believe that they have the power to change policy – they can’t, and they don’t.  Britain is an oligarchy and has been for centuries.]”

“… There are three fundamental truths about modern banking:
❖ The money isn’t yours.
❖ The money isn’t actually there.
❖ The money isn’t really money.”

This appears to be the essence of what is happening in our money world. The real powers-that-be want to dominate the world and they are well along on the path to doing so. Digital IDs and CBDCs are their tools.


The preamble article referred to above really contains the essence of what is happening money-wise. Digital money is coming very quickly. Much of the necessary system infrastructure is already in place. It is a virtual certainty – rare in a world of so much uncertainty.

Timing of this transition is not clear, but what is clear is that the powers-that-be, aka bankers and assorted overlords, know that their time for succeeding is short. The longer the delay in execution, the more resistance will develop. Once it gets organized, the resistance will be fierce.

For us non-bankers and humble businesspeople, we can only accept this as part of our near-future reality. We can’t do much of anything to impede it or change it. We must plan to live with it – but our way as much as possible.

The action options are relatively few at this point. We have to figure out how this money (and surveillance) transition will affect us. Then we can devise some creative ways to minimize the hassle and potential problems. This will be easier to do today than if we wait until we are forced to act – to comply and obey.

In this regard, you might want to have a look at a recent post: “Why Are We So Obedient and Compliant?”.

Click image to enlarge.
Click image to enlarge.

#6. Economic Outlook


As always, the official story is that the economy is fine and getting better. Based on the theory that anything the government and kin say is almost certainly false, this statement means that things financial and economic are bad and getting worse. In practice, we might want to proceed with great caution.

What is our own situation today? Good and getting better, or not so good and getting worse? Or perhaps just static and sort of okay.

Whatever our situation is reflects what is actually going on in our part of the world. It is valuable information about our operating reality. No matter what official and media sources say.

So, our first step would seem to be figuring out just what our operating reality is and, where possible, why. If we see things looking good and getting better, then we need to be very clear on the causes here. Are our markets growing solidly? Are we doing better competitively? Is inflation making our numbers look good? …

The underlying reality for most today seems to be one of continued real price inflation and broad customer-market weaknesses. This may mean that our good results are price-driven, not output quantity-driven. Vital to know which.

My guess is that most individuals, businesses, and organizations are struggling, at least somewhat , or doing okay at best. Lots of dark storm clouds on the economic and financial horizon. Great uncertainty as to where things are headed.

Caution may be the best plan for the moment – surely until selection season is over.

#6. Economic outlook.

Well, at least the job market is growing nicely, so says the government and its lackeys. For example, this glowing headline in a recent article:

“The headline numbers once again look good w/ over 300k payrolls added and the employment number from the household survey rising even faster …”

Jobs growth.

“… but what kinds of jobs are being created? Turns out they’re all part-time:”

Jobs - full-time vs. part-time.

“And this isn’t new – it’s a continuation of a long trend: full-time employment is lower today than Feb ’23 w/ all of the net job creation since then being part-time work:”

This reflects a “good” economy? Sure doesn’t look so good to me. Why so many part-time jobs? The article goes on to explain …

“Why the surge in part-time employment? Many Americans have been laid off and replaced 1 full-time job w/ 2 or 3 part-time ones; people are also picking up additional jobs to make ends meet in a cost-of-living crisis; this has caused an unprecedented divergence between the household and establishment surveys, since the latter double counts individuals w/ multiple jobs while the former survey shows a net loss of jobs since Aug ’23:”

Real workforce vs. part-time over-counting.

People working two or more jobs just to stay afloat, probably with their credit pretty much maxed out as well. This seems like pretty grim news. How might this situation affect your plans and actions going forward?

Some kind of serious economic crisis appears to be a certainty  at this point.

Price inflation? Probably just another rumor, or even a conspiracy theory.
Price inflation? Probably just another rumor, or even a conspiracy theory.

#7 Climate Crisis


Much today is being done because of the so-called climate crisis. In the 1970s, it was global cooling and a potential new ice age driving the climate repair efforts. More recently, global warming seems to have taken over these climate mischief concerns. As a way to reconcile these two opposing causes, they are today merged into a catchall called climate crisis, or simply climate change. Whatever their current label, these are driving huge efforts to replace fossil fuels, to shift populations into 15-minute cities, and to reduce the amount of land available for growing food.

Despite the fact that over 1,600 scientists including Nobel prize winners have stated strongly that there is no climate crisis, an amazing number of people are on board with climate change prevention projects. Electric vehicles are one of the major results of climate crisis efforts. True believers in EVs are still many. Well, perhaps not so much lately.

I certainly can’t dispute what the 1,600+ scientists are saying. This means to me that the “climate crisis” is actually part of the globalist agenda. All of the big players here – WEF, UN, WHO, IMF, … – pretty much admit that while carrying on the pretense of addressing climate-whatever.

People will believe what they want to believe. What’s important to folks trying to live their lives sensibly and to folks managing businesses and organizations is that this pretense is our operating reality. We can’t change it. In practice, we must deal with it as best we can, while suspending any related disbeliefs.

Our operating reality is whatever the globalists are pushing for, regardless of their public rationale. The globalists seem pretty likely to succeed in major ways – near-term at least. This means that our challenge is figuring out how their climate-whatever efforts may affect us and our businesses, and devising ways to comply and obey – minimally and selectively – while protecting ourselves from the potentially most damaging aspects.


Dealing with so-called threats like this does not in my mind involve opposing them – except as opportunities arise – but instead focusing on protecting ourselves and our interests. More power to the climate alarmists, as the article link below illustrates.

The non-activist challenge involves identifying your points of vulnerability and seeking practical ways to strengthen and protect these. There may even be some ways to benefit from such globalist efforts, but with great care.

A 15-minute city for us soon-to-be-carless folks. Walking and biking are so good for our health as well.
A 15-minute city for us soon-to-be-carless folks. Walking and biking are so good for our health as well.

Next post:

What appears in this post is a first version of my experimental “worldview-based” posts going forward. Still many rough edges. Perhaps I’ll get some feedback from readers as to what they find helpful and of interest, and what not. I’d greatly appreciate your input.

Concerning the next post, I plan on tightening up this story as much as possible, but updated to include any new information that I run across. So much is happening in the world that makes figuring out what to include a real challenge. I’ll get better at this as I go along.

I also want to address ways that readers might apply these rolling worldviews to their own particular needs and situations. How best to do this is far from obvious. I’ll learn as always – the hard way.