Retail/Office space in Baxter for only $6.50 per square foot!

Here is a great article from The Brainerd Dispatch. I have highlighted some of the businesses that we worked with this year.

Retail/Office space located off of Highway 371 in Baxter.

Five myths about US deterioration

SOLD - Commercial Lot at the corner of SW 4th Street and Laurel in Brainerd.

This will be a great opportunity to relocate your office to a high traffic location. The office building will consist of 4 units, with two having all ready been leased.

HART may get new home - Animal rescue group buys land on Highway 210 east

By JENNIFER STOCKINGER
Staff Writer
Heartland Animal Rescue Team in Baxter may have a new home in 2010.HART, a nonprofit humane society as well as an impound-holding facility, Tuesday purchased about nine acres of land on Highway 210, east of Brainerd, across from Matty's restaurant, to build its new home, said Holly Ailts, HART executive director.Ailts said purchasing the land was the first step. Now HART will have to raise funds to construct its new home on the property. Ailts said in 2009, HART will kick-off its campaign to raise $1 million for the building."We don't have any concrete plans right now because of today's economic challenges," Ailts said about constructing a building. "We understand that everyone is struggling right now so it may be hard for people to commit dollars to build a home for animals when people are losing their homes."Ailts said if the economy continues to falter, it could be 2011 before HART would be in its new home.

Rendering/Kuepers Inc.
Ailts said HART has been looking for land for a while to build a larger facility. The new building, designed by Kuepers Inc. of Baxter, would be about 10,000 square feet.Ailts said with the economic growth in Baxter over the years, the current HART building on Dellwood Drive has become too close to other businesses and homes and it does not fit in the neighborhood anymore."We've had problems with barking dogs and we want to be in a more agricultural setting," said Ailts. "We also would like a new building because our current building is outdated. We don't have proper water drainage or air flow so it's hard to keep our animals healthy."Ailts said HART also wants to expand its services, not only to dogs and cats, but to help with horse rescues.Susan Voss, HART board president, said, "A new facility will help us better serve the animals because we've outgrown our space and that building wasn't built for HART, but we've made do."The new facility will allow us to isolate animals who are sick and this will help keep our animals as healthy as possible."Voss said plans are to also create walking trails for the pets."We, as a board, and the entire staff are extremely excited and very pleased with the land purchase," Voss said. "It's perfect for our mission."For more information about donating to HART for the building project, call HART at 829-4141. Donations also may be mailed to HART, 15494 Dellwood Drive, Brainerd, MN 56401. Or donations may be made online at www.hartpets.org.JENNIFER STOCKINGER may be reached at jennifer.stockinger@brainerddispatch.com or 855-5851.
var headline = "HART may get new home";

To Subscribe to the Brainerd Dispatch, Click Here.

SOLD - 8.82 Acres on Highway 210

Navigating Choppy Waters

Peebles now open in Hibbing's Irongate Plaza

Additional space available. Contact Nate at Nate@CloseConverse.com for more info.

Prime Location in Hibbing, MN

How Will Commercial Real Estate Handle the ‘Obama Effect’?

CRE Executives’ Reactions Run the Gamut from Hopeful to Pessimistic. But the Industry Promises a Full Agenda For the Obama Administration and Democrat-Controlled Congress

President-elect Barack ObamaChange is coming to Washington, DC, as promised -- and the commercial real estate industry is wasting no time in making sure its agenda is front and center for President-elect Barack Obama and the 111th Congress. To almost no one’s surprise, the CRE industry tended to favor Republican John McCain over Obama -- based at least in part on concerns that the Democrat’s tax policies could adversely affect the industry’s ability to continue attracting significant amounts of investment capital. An August survey of 425 real estate executives by law firm DLA Piper found that just over 30% believed Obama would have a more favorable impact on the industry as president, versus 67% for McCain. With Obama now making the transition into office and the Democrats having strengthened their holds on Congress, CoStar Advisor polled real estate professionals on their thoughts regarding what should be the top priorities during the first 100 days of the Obama Administration. Suggestions include a laundry list of policy issues ranging from rejecting increases in capital gains and other investment taxes, to moving more aggressively to stabilize the Treasury and capital markets, suspending market rules regulating perceived asset value, investing in public construction and infrastructure and other economic stimulus, and reforming Fannie Mae and Freddie Mac. Unlike the blizzard of legislation signed into law during the first 100 days of the Roosevelt Administration in 1933 and the Johnson Administration in 1964, Obama "must narrow his priorities to a precious few," said Dr. Paul C. Light, a professor at New York University, author and expert on presidential transitions. "There will be no New Deal or Great Society next year. This may be the most difficult transition since Abraham Lincoln," Light said. "Roosevelt faced difficult decisions. But Obama is inheriting two wars, rising unemployment and a housing market and economy in turmoil. Obama can use some of these calamities to create a sense of urgency for mortgage relief and economic stimulus." Jim Scofield, senior investment advisor for Sperry Van Ness in Raleigh, NC, did not vote for Obama because of his personal opposition to the president-elect’s position on abortion. But the nation has no choice but to work collaboratively for the success of Obama and other elected leaders because "when they succeed, the American people succeed." "We are obligated to establish policies that benefit all, and not ones that benefit just one constituency at the expense of others, like politicians do," Scofield said. "This works for everything, including commercial real estate where apartments, offices, stores, warehouses and factories are owned and used, directly or indirectly, by everyone -- rich or poor." "The most critical issues for Obama’s administration to address in the first 100 days are righting our economy and restoring confidence in the credit system, and concurrently establishing a health-care system where everyone can enjoy quality health care at a reasonable cost," Scofield said.
Continue the article at http://www.costar.com/News/Article.aspx?id=9AC9C706FEA405FD83297485144907A7&ref=100

SBA Announces New Ways to Improve Small Businesses Access to Capital

WASHINGTON - In response to the credit crunch, today SBA's Acting Administrator Sandy K. Baruah announced important loan program changes to help the agency's lending partners increase access to capital for small businesses.
First, an interim final rule allowing new SBA loans to be made with an alternative base interest rate, the one month LIBOR rate (London Interbank Offered Rate), in addition to the prime rate, which was previously allowed. In the past 60 days, both the prime and LIBOR rates have not yet returned to their historical relationship-of roughly 300 basis points between the two rates. The mismatch between the rates is squeezing SBA lenders out of the lending market, since their costs are based on the LIBOR rate.
"This change will help more small businesses obtain capital to grow their businesses and create new jobs," Baruah said. "By allowing both rates, SBA is making its programs more flexible, increasing opportunities to access capital and giving both lending partners and small business customers more options to meet their needs."
The second change allows a new structure for assembling SBA loans into pools for sale in the secondary market. The enhanced flexibility in loan pool structures can help affect profitability and liquidity in the secondary market for SBA guaranteed loans, especially with the current market conditions. Because the average interest rate is used, these pools are easier for pool assemblers to create, thus providing incentives for more investors to bid on these loans.
"The challenge small businesses face today is not the cost of capital, it is access to capital," said Baruah. "Interest rates are at historically low levels meaning money is inexpensive, yet lenders aren't lending and borrowers aren't borrowing. This indicates markets are frozen due to liquidity concerns. This interim final rule is an important step to reenergize the lenders to make SBA- backed loans and will help open the gateway of capital for entrepreneurs."
"SBA moved quickly on these changes after consulting with small businesses, lending partners and other government agencies," said Eric R. Zarnikow, SBA's Associate Administrator for the
Office of Capital Access. "We're confident these solutions will help free up capital so lenders can continue to make SBA-backed loans."
By addressing market issues that were impeding the funding streams for both lenders and small businesses, SBA is making capital more available to America's small businesses. The SBA will be issuing additional technical guidance to lenders in the coming weeks relating to the implementation of these important changes.
For more information on the interim final rule or to share your comments, visit www.regulations.gov. To learn more about SBA's guaranteed loan programs visit www.sba.gov.

Retailers’ Buyer’s Market by Lynda A. Gutierrez

Samuel Johnson said, "The habit of looking on the bright side of every event is worth more than a thousand pounds a year." (Adjusted for inflation from the late 18th Century, today’s bright side would have to be worth a hundred times more!) And if you look hard, there's the faintest glimmer of brightness in the storm clouds looming overhead. It’s all about a power shift – and, if it’s worked right, retailers (and consumers) will ultimately be the better for it. The dire economic situation and skyrocketing unemployment has made this a buyer’s market for employers. And that’s an amazing opportunity.
The first instinct is to capitalize on the fact that you (finally!) hold all the cards and start channeling Scrooge and Simon Legree. After all, when jobs are scarce, employees can like it or lump it. But slave-driving a skeleton staff engenders only resentment in employees and customers alike – and any money that’s saved on salaries flows right down the drain in lost sales and productivity, and probably shrink.
On the contrary, the leverage that comes from having truly motivated job seekers is most productive when it's used to transform them into truly motivated employees. In times of plenty, employers are resigned to filling jobs slots with anyone with a pulse. In bad times, however, you can not only pick the best and the brightest, but can also encourage and mentor them, to help educate them in professional behavior and standards and, through your efforts, make them advocates and ambassadors for your brand.
Idealistic? Yes. A lot of work? Definitely. A waste of time and effort? Absolutely not. First off – improved sales-floor effect aside (and that's a pretty big thing to put aside) – every young person is not only a consumer but in today’s blogging, Twittering, texting world, their opinion of – and experience with – your company can have a ripple effect on the loyalties and buying decisions of untold numbers you might not otherwise reach.
Secondly, high quality, well-chosen employees respond to genuine interest by their managers and are generally receptive to ways to improve their present state (i.e., opportunities to make more money now...and set their feet on the path to higher-prestige careers later) through training or just casual advice. They thrive on seeing extra effort or accomplishment noted and rewarded. (Of course, accomplishing this may require some training for store management as well.)
People instinctively strive to live up to someone else's true and honest belief in them. Innumerable books and movies have spotlighted the jaw-dropping accomplishments that talented teachers can inspire in even the ‘worst’ students. Imagine the results a retailer could reap – in its employees and its bottom line – when it has the opportunity to hand-pick the best of the best – and help them become even better. What a wonderful store that would be.

SOLD - Exhaust Pros in Brainerd

Leased - 1600/sf of Office Space in the Johnson Center

Sarah Nelson, owner and operator of Accucare Audiology & Hearing Solutions, LLC, has recently signed a lease on 1,600 square feet in the premeir Johnson Centre office building. You can look for her new office to be opening in Suite 240 of the centre, located on Golf Course Drive in Baxter.

Just Listed - The Brainerd Lakes Chamber Building

Sold - Reeds to Fit Quest

The former Reed's Outdoor Sporting Goods Store has now sold to Fitquest. Fitquest, formerly located off of CR 48 (Highland Scenic Dr) in Baxter, is open for business in the back half of the building, while the front portion remains available for lease. Also now open and operating in the Fitquest building is the new Mexican Restaurant, El Tequila, and a Smoothie Shop.

Sold - Northland Center in Nisswa

The Northland Center, located in Nisswa, is now under new ownership. the tenants are all remaining in their existing leases, with 1,250 sq. ft. yet available next door to The Animal House pet supply store, and 3,305 sq. ft. available on the 2nd level above Naterra Land Co. Contact at Close~Converse agent at 218-828-3334 for leasing details today!

Nation's first LEED certified grocery store opens in St. Paul

WEDNESDAY, OCTOBER 15, 2008
by Jim BrubakerMinneapolis-St. Paul

The store during construction
St. Paul's new Cub Foods grocery store, with construction overseen by Kraus-Anderson Construction, has become the nation's first LEED-certified grocery store. The retail and office developer for the project is Oppidan, based in Minnetonka, Minn.The 62,900-square-foot grocery store, planned to open on October 31, will have 42 skylights illuminating 75 percent of regularly occupied space. A solar powered GPS system will track and redirect sunlight as needed. The interior floors have been designed to eliminate chemicals usually needed during the cleaning process.The parking lot will be lit by LED lights with a 40-year life span. The LEDs will provide an energy savings of 50 percent. The landscaping system will require 50-percent less water than typical non-LEED systems.In addition, 75 percent of the waste generated during construction of the building was recycled instead of being sent to landfills.Address: 1177 Clarence St., St. Paul, Minn.Size: 62,900 square feet

READY TO SWOOP? Industry Braces For New Era of Vulture Opportunity

Without a Market Bottom, However, There’s Not Much Commercial Real Estate Firms Can Do Besides Watch and Wait For the Shakeout of Troubled Properties to Begin...Let the jockeying begin.
Written by Randyl Drummer

Brokerage firms, investment banks, turnaround specialists and other service providers are once again beginning to maneuver for position in anticipation of the long-expected sales frenzy that accompanies any major market correction when sellers and lenders reprice property assets at deep discounts and investors with hundreds of billions in pent-up private equity dollars swoop in search of bargains. At least, that's how it's always worked in past crashes. But, so far at least, the market has not seen a wholesale drop in asset values. That isn't stopping firms schooled during past real estate bear markets, however, from preparing for the return of opportunistic investors. For example, New York-based real estate investment banking firm Savills LLC, the U.S operation of the UK-based real estate giant, announced last week it has formed a distressed real estate division to help clients and their lenders restructure, recapitalize or form joint ventures to free up liquidity. Early in the decade, workout experts now on the Savills team advised clients in such spectacular bankruptcies as Enron, Kmart and Olympia & York. "We're not there yet. We've only scratched the surface," Savills Senior Vice President Frederic J. Leffel, a veteran bankruptcy attorney and one of three executives heading the new unit, tells CoStar Advisor in describing the current market for distressed property. "There’s a huge wave of debt maturities coming up in 2009, 2010 and '11, and that’s going to force the issue. "With today's pricing, if you’re the owner of real estate, there’s no reason to sell unless you are forced to sell. But a huge wave of those forced situations is coming up, and that’s what we’re anticipating and planning for," Leffel said. The Savills division will help companies, including lenders with real estate owned (REO) property on their books, rehabilitate or dispose of large and complex portfolios and assets. The group will help firms recapitalize by selling JV and preferred equity interests, finding gap funding and raising new debt and equity.

Special Times For Special Servicers
"We are seeing a tremendous demand for loan recovery services as a result of the recent turmoil in the credit markets," said Guy Johnson, president of Johnson Capital, which recently formed a commercial real estate special-servicing operation through a venture with Denver-based advisor Miller Frishman Group. Formerly known as Sevo-Miller Inc., Miller Frishman was a workout specialist during the late 1980s and early 1990s, helping insurers and the Resolution Trust Corp. (RTC) work through and turn around troubled commercial mortgages and properties. Johnson’s services "will come as a welcome relief in this time of economic chaos," he added. Johnson Capital Special Servicing will offer workout services along with the firm’s mainline property and construction management, note sales and brokerage services. Johnson already provides primary servicing for more than $4 billion in commercial mortgages, and the addition of special-servicing capability allows it to provide a "one-stop shop," Johnson said.
Other firms are jumping into the game for the first time as a direct result of the market dislocation. "We're making a strategic attempt to take advantage of the current environment," said Matt Haden, partner in Los Angeles-based GCG Works LLC, a recently launched commercial real estate consulting and investment firm that helps private and institutional lenders, developers, investors and other real estate professionals manage their portfolios. "Our primary clients are investors, developers and lenders, with a huge focus of our practice on helping lenders bolster their portfolio surveillance and collateral review and loan workout infrastructure," Haden said. "We’re advising clients to be proactive and get in there early, before the problems get too big. We can help them stress test their portfolios to see how they are performing. If they need to go through with a note sale, we’ve got significant buyers. There are billions of dollars in vulture funds ready to snap up these opportunities."

Turnaround Industry
ThrivingOther players like law firms have long cultivated active restructuring, turnaround and workout practices. Bracewell & Giuliani LLP, former New York City Mayor and Republican presidential primary candidate Rudy Giuliani's law firm, formed a task force Sept. 27 to help corporate clients understand the evolving federal bailout legislation. The firm said Oct. 7 that in a survey of 100 fund managers and traders, 91% expect bank write downs to continue and present a growing opportunity for distressed asset buyers. "On the theory that every cloud has a silver lining, the financial crisis and the lower market valuations of highly-leveraged balance sheets are leading to distressed debt buying opportunities as original lenders and investors dump their exposure. One investor’s problem loan is another investor’s bargain opportunity," according to the survey. Turnaround specialists such as Alvarez & Marsel, hired last month by Lehman Brothers to help manage restructuring following its bankruptcy last month, have also become major players in the real estate landscape. More than $20 billion of the approximately $32.5 billion in real estate assets held by Lehman was senior and mezzanine debt. The Turnaround Management Association trade group meets Oct. 27-29 in New Orleans to spotlight the city's revitalization efforts. The association, born during the saving & loan crisis of the late '80s, is marking its 20th anniversary this year and boasts a membership of 8,100. Some of the top full-service real estate brokerage companies, for example, CB Richard Ellis Group Inc., have long offered asset management and advisory services that handle troubled properties. "We've been providing focused asset repositioning offerings for about a year," said Bruce Rasher, who has served since April as director of operations of the asset repositioning management practice group within CBRE's global services business. "But CBRE has been providing pieces and parts of this offering for decades. Last fall, senior management was presented with a business plan to greatly increase the focus on asset repositioning and increase coordination." The practice helps clients develop revitalization, repositioning and disposal strategies for challenged, underutilized and surplus industrial and institutional assets, including brownfields. "When clients are demanding services like this, you have to be flexible and adapt to the market," Rasher tells Advisor. "CBRE is not launching a new business; we're simply creating more focus for what has been a longstanding business." Pure-play brokerage firms may need to make adjustments to effectively service distressed portfolios. "Real estate brokerages whose bread and butter is sales and mortgage financing, if they are commission-based shops, they may have to do a little restructuring internally to gear up to play in this area. Repositioning and workouts sometimes take a long time and often don’t lend themselves to a commission-based system," Savills' Leffel said.

Locked and Loaded
Some opportunity funds have been building up for years waiting for the economy to turn sour. Funds continue to grow even in the throes of the current financial crisis. U.S. private equity raised $222.6 billion in 264 funds through Sept. 30 -- up 11% from the $200.4 billion raised during the same period in 2007, according to Dow Jones Private Equity Analyst. The market will decide when investors pull the trigger, and probably not for a while. Despite a bullish long-term outlook, the commercial real estate investment market is cold, if not frozen. Sales volume is down by more than two-thirds from last year and a gulf remains between asking prices and bids, with even well-leased assets in strong locations attracting fewer bidders. Leasing is down while vacancies and overall cap rates are up. By some estimates, however, as much as 20% of closed sales involve distressed sellers -- a figure likely to grow next year and in 2010 as mortgage loans mature and banks take back commercial property assets. With most buyers and sellers waiting on the sidelines for chaotic financial markets to settle down, firms hoping to help with the repositioning of assets and invest in distressed debt are proceeding cautiously. "Few investors expect problems in the financial markets to ease any time soon, and even fewer expect debt availability and lending practices to return to where they were prior to the credit crunch," said Tim Conlon, partner and U.S. real estate sector leader for PricewaterhouseCoopers. Though fundamentals have weakened across all property sectors, they’ve held up pretty well and are stronger than in past downturns. That bodes well for a healthy recovery eventually, according to investors polled for the third-quarter PricewaterhouseCoopers Korpacz Real Estate Investor Survey. "The investor pool is now composed largely of more established players who can weather the storm," Conlon said. "While the outlook remains choppy in the near term, commercial real estate remains a viable long-term investment." For now, however, the flow of debt for buyers of empty space has virtually stopped. Buyers are closely scrutinizing property performance, making it difficult for sellers to unload value-add properties, even though they're the assets most coveted by buyers. For now, leveraged owners are just hoping to hold on to their properties and ride out the correction. Distress sales haven’t yet become widespread, but investors anticipate a burst of opportunities for hard cash buyers in coming months as distressed properties move back onto the market. "Higher cap rates and more conservative underwriting on the part of investors and lenders are having a huge impact on what sellers are able to successfully market," said Susan M. Smith, editor of the survey and a director in the PricewaterhouseCoopers real estate services group. "Buyers are having a hard time obtaining favorable financing, so properties with assumable debt are receiving a lot of attention from buyers." In addition to looking for deals on commercial paper and troubled mortgages, speculators are eyeing real estate in foreclosure-plagued Las Vegas, South Florida and other areas hurt by the collapsed housing market and financial downturn. For example, Los Angeles-based LandCap Partners and Beverly Hills-based Kennedy Wilson recently joint ventured with an initial equity commitment of $100 million to acquire completed homes and condos held by homebuilders and financial institutions. The JV also is targeting foreclosed residential properties that will be resold at auction through a Kennedy Wilson affiliate.

Leading Edge Technology in the Brainerd Lakes


Technology is continuing to change the landscape of our business community. Business professionals are now managing and working in multiple locations and on the road more then ever. The Brainerd Lakes Area is on the leading edge of technology that is helping businesses work more efficiently and productively. With the development of a State-of-the-Art Fiber Optic infrastructure, area businesses are benefiting with the flexibility and bandwidth necessary for advanced capabilities in communications not yet available in many business markets.

Fiber Optic Technology
Fiber optic cable supplies unsurpassed bandwidth capabilities. Today, a large number of the communication networks depend on fiber optics. Fiber optics is less susceptible to the outer interference than metal cables. The diversity of fiber optic cabling allows businesses to consolidate all their communication services with direct fiber to the business. Businesses are now benefiting from IP phone services, IP Digital Television and leading edge synchronized Internet speeds. With endless capabilities, the future of communication and entertainment services will continue to enhance our professional careers.

Fit Quest Now Open

FitQuest opened Wednesday in its new location in Baxter in the former Reed's sporting goods building just off Highway 371 North and had a number of people working out in the center or using the basketball court and raquet ball courts. The fitness center is toward the back of the large building. Wednesday customers walked past space that is still available for lease to reach the fitness area. Owner Joan Peterson said the El Tequila Authentic Mexican Restaurant, which is opening in the former Dave's Pizza space, is expected to open yet this month. - By RENEE RICHARDSON

Northern Family Chiropractic to make a move!

That’s right! Dr. Erica Johnson, and her Chiropractic clinic, currently located across the street from the Civic Center on Jackson and NW 5th Street, will be relocating to the Trails Head building near Super One! She will be occupying the back 2/3 of the east end-cap. More details on this move are to come!

Brainerd Daily Dispatch Leases Space

The Brainerd Daily Dispatch has recently signed a lease on 2,400 sq. ft. behind M.G. Carlson Construction in the Baxter Industrial Park. The space is going to be used as a distribution center for the paper.

The Power Lodge Expands!

The Power Lodge Expands!
Tom Dehn, owner of the Power Lodge located along Hwy 371 near BIR, recently leased additional space behind Crystal Pierz. This building is to be used for additional boat storage for the Power Lodge. The building, just off of Hwy 371, on Landmark Drive, remains for sale with Close~Converse.

Does Email Marketing Still Work?

El Tequila is opening on Sunday the 5th!

We have enjoyed working with the owners to bring them into our market and we are excited to try out their new restaurant. Once you have tried it, please let me know what you think. - Nate

Brainerd Lakes Area Featured in Farm & Ranch Magazine!

Click Here to read the article from Midwest Farm & Ranch Magazine featuring the Brainerd Lakes Area. The article, titled "Brainerd Lakes, A Land of Plenty, in One of Many" features photos and verbaige provided by Close~Converse, and even makes mention of the numerous acres of Potlatch land now on the market with LandRadar.com at Close~Converse. The magazine does an excellent job highlighting the areas year-round recreational activities, and local tourist hotspots!

Getting the Edge by Lynda Gutierrez

These might not yet be the times that try men’s souls but they’re certainly trying our patience. Besieged by troubles, we’re slowing down, cutting back, doing without. But the longer we continue, the more everything grinds to a halt. The only real solution? In the words of Winston Churchill, “If you're going through hell, keep going.”
Too many companies are attempting to stay afloat by metaphorically tossing overboard everything they can get their hands on. Unfortunately – although this might lighten the load and temporarily keep the corporate ship steaming ahead – an awful lot jettisoned as dead weight may turn out to be the toolkit, the compass, and the crew. Some businesses are dead in the water; they just don’t know it yet.
It’s, of course, not a time for extravagance or conspicuous consumption but cutting expenses by doing without the tools you need to build a future is just plain foolish. Some companies are saving themselves to death.
Survival of the fittest doesn’t come into play when the living is easy – it’s when times are tough, when resources are limited, that the competition heats up. But even in nature “red in tooth and claw” as it is, survival isn’t a matter of brute strength or mindless ruthlessness. It is the innovative, adaptive, and clever that find – or carve out – niches that not only survive bad times but emerge stronger and more fit than before. (After all, we humans have only brainpower to thank for having continued to exist in, let alone dominate, a world filled with animals far fiercer than ourselves!)
Everyone out there in the business world right now is desperately vying for scant and diminishing resources. Only some will survive. It will not be the mindlessly brutish. And it will not be the timid souls fearfully guarding their pennies. The ones that will make it through this particular incarnation of hell will be those armed with the vision, the knowledge, and the tools that give them the edge.