Great article! And while the ‘point blank, in your face, massive hysteria’ hasn’t come into play, there is a definite under current of panic in the hearts and minds of most everyone that isn’t wealthy these days. . . I’ve actually been doing quite a few of the things you mention AND will step it up a notch as I incorporate your other suggestions! As they say in my neck of the woods, “aint nothing but a step for a stepper!”

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