Many crises have a common phenomenon – overheated asset. When a certain value causes a stir in demand, it is sold much more expensive than its real value. When the price approaches a figure that is unacceptable to potential buyers, the market hits the price. There are fewer people who want to buy an asset, sellers lower the bar, but it does not help. Panic sale replaces the hype demand. This continues until the price bounces off the bottom and goes up, but is no longer at this rate.

  William Bell was a professor of psychology at Olivet Nazarene University in Illinois for thirty-three years and the Chair of the Department for twenty-eight years.  He was born and raised in Toronto, Canada.  He was raised Episcopalian with good solid values, although he did not have a born again