I believe it is Andrea Libman . <| sep |> I wish I got more forgotten beasts like that . Goblin war parties just don ' t stoke my dwarven masochism like they used to . <| sep |> Thanks so much ! <| sep |> Both of her parents died in the past year leaving her and her two younger sisters as orphans . <| sep |> VMC site , silencer , faraday , QuickDraw , and fusion mag . Fusion mag gives you infinite ammo ! Lol <| sep |> If you work out that much for a year alrdy you should still be buff as fk . You need to work on your protein intake or your workout idk . That is , only if you want to be an iron man irl xD <| sep |> s h o r t g e n i u s saysanothercrisisiscoming . htmlWhen I spoke to some of the other reallife characters from The Big Short , I was surprised to hear that they thought that financial reform was pretty effective and that the system was much safer . Michael Lewis disagreed . In your opinion , did the crash result in any positive changes ? Unfortunately , not many that I can see . The biggest hope I had was that we would enter a new era of personal responsibility . Instead , we doubled down on blaming others , and this is longterm tragic . Too , the crisis , incredibly , made the biggest banks bigger . And it made the Federal Reserve , an unelected body , even more powerful and therefore more relevant . The major reform legislation , DoddFrank , was named after two guys bought and sold by special interests , and one of them should be shouldering a good amount of blame for the crisis . Banks were forced , by the government , to save some of the worst lenders in the housing bubble , then the government turned around and pilloried the banks for the crimes of the companies they were forced to acquire . The zero interestrate policy broke the social contract for generations of hardworking Americans who saved for retirement , only to find their savings are not nearly enough . And the interest the Federal Reserve pays on the excess reserves of lending institutions broke the money multiplier and handcuffed lending to small and midsized enterprises , where the majority of job creation and upward mobility in wages occurs . Government policies and regulations in the postcrisis era have aided the hollowingout of middle America far more than anything the private sector has done . These changes even expanded the wealth gap by making asset owners richer at the expense of renters . Maybe there are some positive changes in there , but it seems I fail to see beyond the absurdity . Where do we stand now , economically ? Well , we are right back at it trying to stimulate growth through easy money . It hasn ' t worked , but it ' s the only tool the Fed ' s got . Meanwhile , the Fed ' s policies widen the wealth gap , which feeds political extremism , forcing gridlock in Washington . It seems the world is headed toward negative real interest rates on a global scale . This is toxic . Interest rates are used to price risk , and so in the current environment , the riskpricing mechanism is broken . That is not healthy for an economy . We are building up terrific stresses in the system , and any fault lines there will certainly harm the outlook . What makes you most nervous about the future ? Debt . The idea that growth will remedy our debts is so addictive for politicians , but the citizens end up paying the price . The public sector has really stepped up as a consumer of debt . The Federal Reserve ' s balance sheet is leveraged 771 . Like I said , the absurdity , it just befuddles me . Dude ' s never read any of that Austrian garbage though .