About the Author, Dr. & Capt. Shaun P. Smith: As a Captain, Shaun has endured howling winds and fought deadly waves while never losing a crew member or a vessel. As an Author, Shaun wrote a bold book that warns of the coming financial storm and, importantly, gives people clear ways to prepare. As an entrepreneur and CEO, Shaun has battled and beat fierce competitors, developed first-class teams and helmed the prosperity of many organizations. As a celebrated Teacher, from primary school through college, Shaun believed in his students, many of whom were from the inner-city, when most did not and led them against all odds to academic excellence. As a Ph.

D. Scholar, Shaun has researched, written and published ground-breaking scientific papers and studies on the creation of intellectual and performance excellence in children and adults in both academic and employment environments. Shaun earned a Ph.D. in Leadership and Policy from the Education Department at Niagara University. About the Publisher, Arklosophy, LLC: The vision of Arklosophy is to stop animal torture, child suffering, ocean pollution and deforestation by igniting the passion within and increasing the intellect of all people as early as possible. Arklosophy does this by: (1) Conducting original scientific education research, (2) Designing education curriculums, (3) Publishing books and articles, (4) Crafting media/public relations communications and (4) Offering proprietary child reading and learning assessment programs.