Editor’s Note: I urge everyone to take a moment to read this ominous assessment, especially my colleagues in finance, banking, logistics, and business management positions as teachers, leaders or government consultants. The present moment is extremely grave and promises no relief, especially from corrupt leadership. You, dear friends, are responsible for what you know and also for what you should have known and then done about it. This is because the latter is part of your ethical responsibility, and the former is part of your training protocol for life-long self-education in your discipline. Stop making excuses for optimism or denial when the facts are laid bare by men of greater knowledge and primary experience.