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From the author of: The Survival Guide For The One Percent




This page, unlike the first three, does not present samples of the novel's chapters. It is intended to be helpful in describing what has become the center of the gauntlet we all now must address.

The European Union, and the United States, could solve their income, and debt problem, if they were not cowering to what has become the world's unelected authority over democracies. It may, unfortunately, be more accurate to describe the EU, and the US, as complicit, with this authority.

When, and how did the United State's citizens stop living under the protection of a democracy? We are, in fact, living under an unelected authority over democracies. We'll get to how they got to this point, but first..., Who are they?


To get to who they are, we need to understand their methods of control. The first has almost always been their call for the need of "Austerity". (Unless, of course, there was a war to be fought.)

Austerity is an egotistical term, and is used similarly to that of a parent speaking to their teenager. Parents speak to their teenager this way, because it's a genuine necessity. Parents actually do have a limited access to money. We as citizens have grown up with that, so when we are spoken to about austerity, we can sympathize. It's a classic component of a speech about the need for being responsible.

The problem stems from who is giving the speech. They are the sources of money, or more accurately, the currencies. Just like when we were teenagers, our government needs some funds. Even though our parents may have provided us a quite limited amount, it was clearly better than no money. If we speak disrespectfully to our parents, during our pleas for money, we get chastised, reminded about our parents superior level of understanding, and experience, and then we get cut off.

In this case, however, it isn't a teenager asking for access to those limited funds. It is our United States government doing the asking.

If our government is dealing with a serious problem, we, as well as many European nations, seldom tolerate any entity dictating to us. We have the might, and technology to drop a bomb right down their chimney. Just like talking back to our parents we can't, in this case, afford to show any disrespect.

We also now know that, since August 15, 1971, we went off the gold standard, and there is no longer any such thing as limited funds. We know that the organization producing, and distributing currencies can print whatever quantity required, and even easier, they could send a digital message of an increased balance in our nations bank records. This can be accomplished nearly instantaneously. We know this for many reasons, but one of them relates to wars. If there is a need to start, or finish a war, we know how fast we would get the requested funds. Ask George Bush Senior, or Junior.

The European Union, and the United States, could solve their income, and debt problem, if they were not cowering to what has become the world's unelected authority over democracies. It may, unfortunately, be more accurate to describe the EU, and the US, as complicit, with this authority.

I want to go back to the beginning of what I am trying to drive home. (One of my other articles called, "You can't fix stuped" goes into more about this.) (My proposed solution comes later):

United States President Andrew Jackson had it right, over one hundred eighty years ago.

If a democracy acquires burdensome debt, their nation may be dictated to, by their lenders. Their lenders possess no constitutional protections. If a nation's representatives gather in a central location, where they are persuaded to create, and subsequently enact, legislation beneficial to their lenders, that nation's government has become subservient to a lender.

We are no longer still living under the protection of democracies. We are, in fact, living under the yoke of an unelected authority over democracies.



The following is information about who they are:

This system of central banks became world wide, and became an international system of owning the world's money supply. After the formation of the Eurozone, and the production, and distribution of the Euro, they now manage banking for about 95% of world GDP. The creation of the Euro made the system far stronger, after the creation of a single currency for all of the EU nations.

Please do not forget that the United States' constitution, and especially the "Bill of Rights" were written in the manner they were, because those that wrote it were living under an oppressive government. Their needs, nor even their safety, and welfare, were of little concern to King George of England.

The components of the documents were written, as they are, because they wanted to insure the new government they were creating could not slip back into nothing more than another oppressive government. Much of the oppression imposed upon the American colonies were driven by one single need.

Even England, with its attitude of superiority, had sustained costly wars. The nation had been borrowing heavily, from a limited number of wealthy European individuals. The money provided came through a bank, but that satisfied the wealthy individuals needs to appear as a large established organization. The wealthy Board members could not tell a King, as individuals, what the rules were. They would have lost their heads. Instead, advisors to the King would delicately inform him that the monies needed to repaid.

Who is the Bank for International Settlements (BIS), and how could a privately held foreign bank control our Federal Reserve System, and all US based central banks?

First, here is some propaganda from the BIS website:

Established on 17 May 1930, the Bank for International Settlements (BIS) is the world's oldest international financial organization. The BIS has 60 member central banks, representing countries from around the world that together make up about 95% of world GDP.

(You don't get 95% of the worlds GDP, without one of your member central banks being from the United States of America.)

From Wikipedia about when, and why the BIS was established:

The BIS was established on May 17, 1930, by an intergovernmental agreement by Germany, Belgium, France, the United Kingdom, Italy, Japan, the United States, and Switzerland.

The BIS was originally intended to facilitate reparations imposed on Germany by the Treaty of Versailles after World War I. The need to establish a dedicated institution for this purpose was suggested in 1929 by the Young Committee, and was agreed to in August of that year at a conference at The Hague.

The BIS became the central bank to all central banks, throughout the industrialized world. Even the U.S. Federal Reserve System is a chartered bank of the BIS. This bank sets monetary policy for 95% of the business activities throughout the world. This also means the this bank's Board of Directors sets that policy. It comes down to 95% of the world's business activities throughout the world is significantly impacted by only 19-21 people, and only two of them are from the United States.

There has not been a United States citizen elected as the Chair of the Board, nor a United States citizen elected as the banks CEO, since 1935.

United States monetary policy is set by the Board of the BIS, regardless of who is appointed by the United States President as the Chair of the Federal Reserve System, and banks.



More on the Bank for International Settlements:

If you're not familiar with the BIS, here is a link to a Google search on the Bank for International Settlements. There has been a lot of new propaganda created to make them look wonderful, trustworthy, and essential to the world's banks. They are also painted to be essential to, of course, you, and me.

In recent months, even Wikipedia's page about the BIS has been rewritten, with the most useful, and objective material removed. Please try to comprehend who they actually are. My impression is that their board is the who's who of the elite, and maybe the elite of the One Percent. They are those who believe they are the genetically endowed to rule the rest of us.



genetic predisposition to dominance over society



The image below is the BIS's headquarters offices, in Basel, Switzerland. If you would like to see an expanded image of the bank's HQ, click on the image below.

The original image has a beautiful blue sky behind it. I decided it should have a back drop more representative to its nature.

Click here for a satellite view, of BIS's
headquarters offices on Google Maps:

It will open in a new window, and you may also switch
into street view to get a closer look.




Novel title image







Bank for International Settlements image utilized under: