Ghosts and goblins descended upon us way back in mid-September, deviling civilians and bankers alike in a rolling Halloween that will not end with the dawn. This is the wrong year to sneak up and shout, "BOO!!" That might finish somebody off altogether.

As confusing and frightening as this interval is, there is progress — a lot of it, and less damage than the leapfroggers of doom would have it. "You think this is bad? Lemme tell you how really bad

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