The Digital World Faces Uncharted Waters, Too (.PDF Download)

As 2018 came to a close, the economy in the United States continued to be strong (the roller-coaster stock market withstanding). Employment is officially high, but many people are under-employed and salaries and wages generally haven’t risen with the cost of living. The U.S. Federal Reserve kept the prime lending rate near zero for seven years to stimulate the economy with low-cost lending, only raising it in December 2015. Through 2017 and 2018, the rate rose to 2.25%, pushing

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