“The pending credit cycle in Canada will be one for the ages.”
– Marc Cohodes, May 3rd, 2017
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Lately, the word “bubble” has been used more often to describe the overheated housing markets in Canadian cities like Toronto and Vancouver. Even Bank of Montreal’s Chief Economist didn’t hold back when he wrote in a report, “Let’s drop the pretense. The Toronto housing market — and the many cities surrounding it — are in a housing bubble”(1).
In March, house prices in Toronto rose a record 33.2% year-over-year and the city was ranked number 1 in the world with the fastest-growing house prices; Vancouver came in third on the list after Sydney, Australia (2). It’s getting to be such a problem that Ontario’s premier has met with the mayors of Toronto and surrounding areas to discuss housing affordability, while the Prime Minister has admitted that the federal government is monitoring the housing market closely.
But what might have been the clearest sign yet that the housing market is in a bubble was the 2017 Real Estate Expo in Toronto where real estate agencies, developers, and banks paid celebrities like Tony Robins and Pitbull to encourage people to join in on the real estate buying frenzy. Real Estate agents on a stage told prospective buyers things like: “Toronto has become one of the last safe havens in the world,” “Fear will kill you,” and, “Just jump in!” (3)
Clearly, this message is getting around as statistics show an increasing portion of the population owning more than one residential home. This housing bubble, like all other financial bubbles, is the consequence of historically low interest rates, which is the beginning phase of a credit cycle that inflates the bubble. But eventually interest rates rise, and when they do the bubble pops, the cycle reverses, and prices fall.
The question is, what happens when the cycle turns? If we take a close look at the situation in Canada, we can see instability across the board whether it’s in the economy, in the banking system, or in government finances, and due to this instability, we can reasonably assume that when this cycle turns, it will be pretty ugly for Canadians.
Home Capital Group
Home Capital Group is Canada’s largest non-bank mortgage lender focused primarily on the subprime market — mortgage applicants rejected by the banks — through its subsidiary Home Trust Company. On April 26th, the stock of Home Capital plunged 65% when news came out that the company secured an emergency loan worth C$2 billion to provide liquidity for the company after an overwhelming number of depositors withdrew their money from the high interest savings accounts Home Trust offers — money Home Capital uses to provide mortgages at a higher interest rate, profiting from the spread.
From April 24th to May 1st, Home Capital saw its deposits shrink from C$1.4 billion to C$391 million (4). The problems for Home Capital began back in 2014 when the company cut ties with 45 brokers who were creating mortgages with fraudulent income information that amounted to 10% of Home Trust’s total mortgage originations. Fast forward three years and the Ontario Securities Commission has now submitted formal allegations against the company and the three former and current executives, alleging they knowingly misled investors when discussing the impact of the fraudulent mortgages.
Meanwhile, Home Capital has seen their CFO retire, its Chief Risk Officier leave unannounced, several board members resign, its founder Gerald Soloway step down as CEO and remove himself from the board, his replacement CEO fired, and a total of 33 employees leave in 2016 alone. Representing only 1% of the total mortgage market, it’s too early to know whether Home Capital’s problems will spread, but already investors are losing what matters most in a highly leveraged business: confidence.
On April 26th, the day Home Capital lost 65% of its value, Equitable Group, First National Financial, and Street Capital Group saw their stocks fall 32%, 11%, and 10%, respectively. In the week proceeding, Equitable Group, a mortgage lender that mirrors Home Capital, saw C$75 million worth of deposits withdrawn as their stock fell 39% (5). Canada’s finance minister Bill Morneau has said there is no link between Home Capital and risks in the housing market and Bank of Canada governor Stephen Poloz has said that Home Capital’s problems are “idiosyncratic,” believing they won’t trigger a contagion effect.
Are these statements akin to when the chairman of the United States’ central bank, Ben Bernanke, said in 2007 that “the problems in the subprime market seems likely to be contained”(6)? Already we’ve seen actions being taken to safeguard contagion from spreading. The C$2 billion emergency loan that kept the lights on at Home Capital was provided by the Health Care of Ontario Pension Plan with very stringent terms. The loans have an effective interest rate of 22.5% and are secured against two pools of mortgages from Home Capital’s loan book.
In pool A, Home Capital can borrow C$0.50 of every dollar pledged and in pool B C$0.26 for every dollar pledged. These terms tell us what the HOOPP thinks about the quality of these mortgages being put up for collateral and of Home Capital’s ability to repay the loan. Meanwhile, as investors were dumping Home Capital’s stock en masse, two asset managing companies provided a floor for the stock. CIBC Asset Management increased its position from 2.46 million shares to 9.69 million, while Turtle Creek Asset Management, Home Capital’s biggest investor, was also a buyer (7). It is important to note that these two asset managers were not investing their own money, but were making “investments” on behalf of other people.
Home Capital has also raised money by selling C$1.5 billion in mortgage renewals to MCAP Corp., one of Canada’s largest independent mortgage financing companies that originates, securitizes, trades and services residential and commercial mortgages (8). Equitable Group, Home Capital’s mirror image who suffered its own bout of eroding investor confidence, has been given a C$2 billion funding backstop by a syndicate made up of the 6 major Canadian banks to provide support in case the lender should need it (9). All in all, the fear of contagion is clearly evident and the question that needs to be answered is whether the fraudulent mortgages in Home Capital loan book are limited to 10% or is it a much higher number? And, how many of these mortgages are insured by the Canadian taxpayer through the CMHC?
The Canadian Mortgage and Housing Corporation is a government institution that has been a leading contributor to the inflating of the Canadian housing bubble. The institution is the largest provider of mortgage-insurance for homeowners unable to make a 20% down-payment, protecting lenders from default thus enabling them to make more risky loans.
The CMHC is similar to America’s Fannie Mae and Freddie Mac, two government institutions that were largely responsible for the collapse of the U.S. housing market. Like Fannie Mae and Freddie Mac, CMHC also buys and sells mortgage-backed securities, mortgages that are pooled together into a bond that became the popular financial instrument that sank the global financial system in 2008. The CMHC buying mortgages leads to more lenient lending standards as banks know they can make loans that they can later sell to the CMHC and not have to keep on their books.
All of this is backed by the Canadian government and thus the Canadian taxpayer. What’s really egregious about the CMHC is that while they provide banks with full insurance against losses, it’s the homeowner who pays the insurance premium and that taxpayer who pays the deductible, the banks pay nothing. Currently, the CMHC has about 9% equity against its liabilities outstanding (10). If there is a housing correction, the CMHC would need a taxpayer bailout of epic proportions.
It wasn’t too long ago that the Canadian banking system was considered the darling of the financial world. Back in 2008, a survey by the World Economic Forum listed Canada’s banking system as the world’s safest (11), a title also given to the country by the rating agency Moody’s in 2012 (12). But today the sentiment is much different as Moody’s has recently cut the credit rating of the 6 Canadian chartered-banks stating: “Continued growth in Canadian consumer debt and elevated housing prices leaves consumers, and Canadian banks, more vulnerable to downside risks facing the Canadian economy than in the past“(13).
In March, the Bank of International Settlements (the Central Banks’ Central Bank) listed Canada as having the riskiest banking system of developed countries based on credit-to-GDP gap, property price gap, debt service ratio, and debt service ratio if interest rates rise (14). Residential mortgages make up about 52% of all Canadian bank loans so suffice it to say, the banking system is very vulnerable to a downturn in the housing market (15).
What makes matters worse are the leverage ratios of the Canadian banks. The leverage ratio is a capital adequacy figure that measures a bank’s ability to withstand negative shocks to its balance sheet. In a balance sheet, the difference between a company’s assets and liabilities is its equity so that if a company sells off its assets to pay its liabilities, the equity left over is returned to the owners. If a bank has $100 in assets and $90 in debt, then $10 is the difference and represents 10% equity or capital. The problem with assets is they can fall in value. If the capital ratio is at 10%, then that means assets can fall in value up to 10% before the bank is unable to pay its creditors. The leverage ratio is an international regulatory banking standard set up by the Basel Committee on Banking Supervision. The leverage ratio measures the core capital of a bank against its total assets.
As per their 2016 annual reports, the major Canadian banks leverage ratios are: RBC – 4.4%, TD – 4%, BMO – 4.2%, Scotia – 4.4%, CIBC – 4%, National Bank – 3.7% (16)(17)(18)(19)(20)(21). If the value of the assets of these banks fall in percentage more than these figures, then the banks become insolvent. And of course, in the banking industry, loans are considered assets and as stated earlier, 52% of the banks’ loan book is made up of residential mortgages. Compounding the situation is the report from credit agency Equifax that says they saw a 52% increase in suspicious mortgages between 2013 and 2016 (22).
This leads one to ask was Home Capital the only lender to partake in mortgage fraud? How secure are the uninsured mortgages on the banks’ loan book and what happens if these people lose their jobs and are unable to make mortgage payments? A recent survey suggests that over half of Canadians are $200 away from not being able to meet their financial obligations (23).
Canada’s Dependence on Housing
Since the decline of energy prices, Canada’s economy has become more reliant on the housing industry. In fact, without the growth in housing, Canada’s economy would be contracting. It is estimated that housing makes up 20% of Canada’s GDP with industries like real estate, construction, and financial services.
The number is significantly higher when you consider the indirect impact of a booming housing market. Lawyer fees, government revenues, and increased retail purchases due to the wealth effect of rising home equity values enabling households to spend more (24). Consumer spending as a share of GDP is around the highest since the 1960s (25).
Debt-to-disposable income was at a record high 167% in March (26), and while this ratio has little impact day-to-day as Canadians aren’t expected to pay off their debts tomorrow, it does highlight the vulnerability of Canadians to economic shocks. Another indicator, the debt-to-service ratio, which is the cost to carry debt relative to income, is at 14% and has remained there since 2008, but that’s because interest rates have been at historic lows since 2008. What happens if interest rates rise? A survey by Manulife Bank found that out of 2,098 people polled, 72% said they would have difficulty paying their mortgage if their payments rose by 10%. An increase of 10% in mortgage payments could take as little as a single percentage point increase in interest rates (27).
HELOCs = Home Equity Loans of Canadians
Moving on to the problems in the public sector, we’ve already seen the harm government can do with the CMHC distorting the housing market by guaranteeing mortgages and mortgage-backed securities, and blame should also be put on the central bank’s historic interest rate policy. But looking specifically at government finances, the debt held by provincial governments is alarming. Ontario has the largest debt held by any sub-sovereign in the world at over C$300 billion.
Quebec is at over C$180 billion in debt. Other provinces are currently running deficits with no end in sight. At the federal level, debt isn’t too bad at just over C$700 billion when you compare it to America’s $20 trillion, but that could change by the time the Trudeau administration is voted out of office. It is estimated that Canada could run deficits until 2050 (28) with the policies enacted by Prime Minister Trudeau and he’s on pace to break the all-time record for federal government spending per Canadian despite Canada not being in a recession or at war (29).
Excessive debt is future consumption denied while higher taxation ensured, both outcomes are destructive to an economy, as more of the country’s capital and resources are directed towards paying the interest on the debt rather than being used in the real economy. Moreover, as a country becomes addicted to government spending, it becomes more reliant on it and thus harder to cut. If the government is forced to cut spending, it will have negative ramifications throughout the country for many Canadians dependent on it.
A development that was largely ignored by the corporate media, but should concern Canadians, is that the Canadian government has almost no gold left in its reserves (30). Unlike America, Germany, Russia and China, countries with vast gold reserves, practically all of Canada’s reserves are pieces of paper. This is foolish and short-sighted as gold has proved to be the ultimate form of money that will retain its value during a crisis, while paper assets can easily evaporate in value during a crisis of confidence and a deterioration in confidence is exactly what could ignite a financial crisis in Canada.
The Canadian loonie has been under pressure in the wake of the Home Capital debacle, dipping below 0.73 to the U.S. dollar. In 5 years, the loonie has gone from being at par with the U.S. dollar to falling under 0.70 at the end of 2015, when oil prices were at its lowest. This weakness in the loonie creates price inflation for Canadians as prices are a reflection of the value of money. I believe this 0.70 mark is an important psychological level for the Bank of Canada because when the loonie falls below this level people start to feel it more at the grocery store and financial commentators start to make noise about it.
The bank has two means of supporting the loonie: raising interest rates or using their reserves to buy it in the currency markets. If we explore scenario one it’s not a pretty picture. The current rate at the Bank of Canada is 0.5% and people have been calling for them to begin raising it for a while, especially now that the U.S. central bank has begun raising its rates putting further pressure on the loonie/dollar exchange. A rise in interest rates will in all likelihood pop the housing bubble as debt becomes more expensive, decreasing demand for mortgages.
When house prices fall, reflecting the decrease in demand, that’s when delinquency rates rise as homeowners, especially in the subprime market, go underwater as their mortgages become more expensive than the value of the home. As delinquencies rise, houses are foreclosed and put on the market increasing supply, putting more downward pressure on prices. The CMHC (taxpayer) then needs to cover all the mortgages and securities it insured, while at the same time the value of their assets are falling. With only 9% equity, the CMHC would need a massive government bailout. If the banks’ assets fall below their leverage ratios, then they too become insolvent, needing either a bail-in or bailout. At this point, a full-blown crisis emerges, leading to further erosion of confidence in Canada and the loonie. Rising inflation is countered with higher interest rates, and the higher cost of debt cripples the economy as highly indebted individuals, businesses and governments all have to cut back on their spending leading to higher unemployment.
It’s clear why the Bank of Canada has been so reluctant to raise interest rates. Scenario two, using reserves to prop up the loonie, will likely be futile as the market is more powerful than governments. It may work at the beginning and buy time, but as the Bank of Canada bleeds through its reserves, this in itself will erode confidence leaving them in the same position they found themselves in at the beginning, only this time without any bullets left in the barrel. A third scenario is to just let the loonie crater and let price inflation run rampant. This might be feasible to start, but as consumer prices explode Canadians will be squeezed as their cost of living outpaces their income leading to lower living standards and social unrest.
Using the 2008 financial crisis in America as a model, it wasn’t until September 2008 when the government nationalized Fannie Mae and Freddie Mac – which backed $6.2 trillion worth of mortgages – making it clear to everyone that a major crisis was unfolding, but there were many signs leading up to that moment that indicated something bad was brewing in the housing market, including in April 2007 when America’s largest subprime lender, New Century Financial, declared bankruptcy.
In Canada, already the Toronto developer Urbancorp has filed for bankruptcy and Home Capital would have done the same if not for the rescue loan and it’s still highly probable that Home Capital will file for bankruptcy in the weeks or months to come. Are we in the early innings of a financial crisis in Canada? What will happen to the loonie if the markets and its speculators lose confidence in Canada? And how will the Bank of Canada respond to a falling loonie? So far in 2017, the loonie has been the worst-performing major currency in the world. I’m not predicting that a major storm is a certainty, but there’s no denying that there are dark clouds forming above Canada.
Our Biology Responds To Events Before They Even Happen
- The Facts:
Multiple experiments have shown strong evidence for precognition in several different ways. One of them comes in the form of activity within the heart and the brain responding to events before they even happen.
- Reflect On:
Do we have extra human capacities we are unaware of? Perhaps we can learn them, develop them, and use them for good. Perhaps when the human race is ready, we will start learning more.
Is precognition real? There are many examples suggesting that yes, it is. The remote viewing program conducted by the CIA in conjunction with Stanford University was a good example of that. After its declassification in 1995, or at least partial declassification, the Department of Defense and those involved revealed an exceptionally high success rate:
To summarize, over the years, the back-and-forth criticism of protocols, refinement of methods, and successful replication of this type of remote viewing in independent laboratories has yielded considerable scientific evidence for the reality of the (remote viewing) phenomenon. Adding to the strength of these results was the discovery that a growing number of individuals could be found to demonstrate high-quality remote viewing, often to their own surprise… The development of this capability at SRI has evolved to the point where visiting CIA personnel with no previous exposure to such concepts have performed well under controlled laboratory conditions. (source)
The kicker? Part of remote viewing involves peering into future events as well as events that happened in the past.
It’s not only within the Department of Defense that we find this stuff, but a lot of science is emerging on this subject as well.
For example, a study (meta analysis) published in the journal Frontiers in Human Neuroscience titled “Predicting the unpredictable: critical analysis and practical implications of predictive anticipatory activity” examined a number of experiments regarding this phenomenon that were conducted by several different laboratories. These experiments indicate that the human body can actually detect randomly delivered stimuli that occur 1-10 seconds in advance. In other words, the human body seems to know of an event and reacts to the event before it has occurred. What occurs in the human body before these events are physiological changes that are measured regarding the cardiopulmonary, the skin, and the nervous system.
A few years ago, the chief scientist at the Institute of Noetic Sciences, Dr. Dean Radin, visited the scientists over at HearthMath Institute and shared the results of one of his studies. Radin is also one of multiple scientists who authored the paper above. These studies, as mentioned above, tracked the autonomic nervous system, physiological changes, etc.
Scientists at HeartMath Institute (HMI) added more protocols, which included measuring participants’ brain waves (EEG), their hearts’ electrical activity (ECG), and their heart rate variability (HRV).
As HMI explains:
Twenty-six adults experienced in using HeartMath techniques and who could sustain a heart-coherent state completed two rounds of study protocols approximately two weeks apart. Half of the participants completed the protocols after they intentionally achieved a heart-coherent state for 10 minutes. The other half completed the same procedures without first achieving heart coherence. Then they reversed the process for the second round of monitoring, with the first group not becoming heart-coherent before completing the protocols and the second group becoming heart-coherent before. The point was to test whether heart coherence affected the results of the experiment.
Participants were told the study’s purpose was to test stress reactions and were unaware of its actual purpose. (This practice meets institutional-review-board standards.) Each participant sat at a computer and was instructed to click a mouse when ready to begin.
The screen stayed blank for six seconds. The participant’s physiological data was recorded by a special software program, and then, one by one, a series of 45 pictures was displayed on the screen. Each picture, displayed for 3 seconds, evoked either a strong emotional reaction or a calm state. After each picture, the screen went blank for 10 seconds. Participants repeated this process for all 45 pictures, 30 of which were known to evoke a calm response and 15 a strong emotional response.
The results of the experiment were fascinating to say the least. The participants’ brains and hearts responded to information about the emotional quality of the pictures before the computer flashed them (random selection). This means that the heart and brain were both responding to future events. The results indicated that the responses happened, on average, 4.8 seconds before the computer selected the pictures.
How mind-altering is that?
Even more profound, perhaps, was data showing the heart received information before the brain. “It is first registered from the heart,” Rollin McCraty Ph.D. explained, “then up to the brain (emotional and pre-frontal cortex), where we can logically relate what we are intuiting, then finally down to the gut (or where something stirs).”
Another significant study (meta-analysis) that was published in Journal of Parapsychology by Charles Honorton and Diane C. Ferrari in 1989 examined a number of studies that were published between 1935 and 1987. The studies involved individuals’ attempts to predict “the identity of target stimuli selected randomly over intervals ranging from several hundred million seconds to one year following the individuals responses.” These authors investigated over 300 studies conducted by over 60 authors, using approximately 2 million individual trials by more than 50,000 people. (source)
It concluded that their analysis of precognition experiments “confirms the existence of a small but highly significant precognition effect. The effect appears to be repeatable; significant outcomes are reported by 40 investigators using a variety of methodological paradigms and subject populations. The precognition effect is not merely an unexplained departure from a theoretical chance baseline, but rather is an effect that covaries with factors known to influence more familiar aspects of human performance.” (source)
“There seems to be a deep concern that the whole field will be tarnished by studying a phenomenon that is tainted by its association with superstition, spiritualism and magic. Protecting against this possibility sometimes seems more important than encouraging scientific exploration or protecting academic freedom. But this may be changing.”
– Cassandra Vieten, PhD and President/CEO at the Institute of Noetic Sciences (source)
We are living in a day and age where new information and evidence are constantly emerging, challenging what we once thought was real or what we think we know about ourselves as human beings. It’s best to keep an open mind. Perhaps there are aspects of ourselves and our consciousness that have yet to be discovered. Perhaps if we learn and grow from these studies, they can help us better ourselves and others.
The 5G Health Summit Starts Tomorrow (June 1st) – Reserve Your Free Spot Here
- The Facts:
A global online summit featuring doctors, scientists & activists addressing the health concerns of 5G technology and what people can do about it is set to take place the first week of June and it's free to sign up.
- Reflect On:
Why are safety concerns that've been published in peer-reviewed scientific journals called a "conspiracy theory?" Why is this idea ridiculed? Why don't our federal health regulatory agencies simply to some health safety testing before rolling it out?
Some of the world’s leading scientists, doctors and activists are gathering for a free online summit that begins on Monday June 1st and will run for approximately one week. The summit will dive into the health concerns of 5G technology, and why it’s a concern and what people can do about it. The summit is completely free to sign up and watch, and you can do so here.
We’ve also put together an E-book titled “Is 5G Safe? An Easy to Understand Guide” summarizing the published peer-reviewed research that is raising concerns about electromagnetic radiation that’s emitted from our favourite wireless devices, cell phones and more, as well as novel 5G technology. It’s a great resource that you can share with family or friends who desire to look at the proof, research, evidence and concerns that thousands of doctors and scientists have been and are creating awareness about all over the globe. We wrote it in language designed to be simple and factual.
Once you sign up for the summit, you get access to the free E-book.
It’s quite strange that any researched journalist could dismiss the health concerns of 5G technology, as well as 4G and 3G, when there are nearly 10,000 peer-reviewed scientific studies that raise cause for concern. A study published in 2019 in Frontiers in Public Health is one of many that raises concerns about 5G technology, explaining how there is no safety testing, and that in vivo and in vitro studies regarding this type of technology and it’s predecessors have shown that it’s harmful to human health, even at levels below current “safety” limits.
At the end of the day, whether you believe this type of technology is safe or you don’t, would it not be in the best interests of everybody to have the technology go through some type of required safety testing? Shouldn’t any technology that has any sort of biological effect be put through safety testing? Why has there not been any safety testing?
In December 2018, US. Senator Richard Blumenthal and U.S. Representative Anna G. Eshoo (CA-18) sent a letter to FCC Commissioner Brendan Carr seeking answers regarding potential health risks posed by new 5G wireless technology. At a hearing, that took place last year, Blumenthal criticized Carr for failing to provide answers, and did the same thing to other industry representatives that were in attendance for not putting the technology through safety testing. You can watch a clip of that hearing and read more about it, here.
How can our federal health regulatory agencies approve products that are clearly a cause for concern?
This is why the summit is going to be such a great resource. It will answer many questions, and again, let people know what they can do about it!
Sign up for the free 5G Summit starting June 1st. Hear from 40 of the world’s leading experts on the subject, all FREE! Click here to register now!
Dr. Buttar Reveals Declassified Government Report Related to 5G Dangers
- The Facts:
Dr. Rashid Butter discusses a declassified report on millimetre wave technology and the effects it has on human health. These are the same waves used in 5G technology.
- Reflect On:
If we already know these waves cause harm to human health, why do we use them in airport scanners? Why are we about to roll out an entire wireless network based on these technologies?
People often say 5G hasn’t been tested, and to some extent that is true. But given 5G uses millimetre wave technology and that technology has been studied for quite some time, it has obviously been tested by those who have worked on them. So why hasn’t this information been widely released? Why are we not looking at the available data on millimetre wave technology as it relates to 5G?
Recently we came across 7 Russian studies that were summarized in a report declassified through the CIA. These studies were declassified in 2012 and marked “For Goverment Use Only.” From what you can gather very quickly in this report, the conclusions should shut down 5G rollout instantly. At least until someone can show, beyond any reasonable doubt, that this technology is safe.
Let’s have a quick look at how this report was concluded:
“Thus the conducted investigations indicate high biological activity and an unfavourable influence of millimeter radiowaves on the organism. The expression of the biological reactions increased with an increase of the period of iridation and depended on individual characteristics of the organism.”
What this translates to in plain English is, millimetre-wave frequencies do affect the human body negatively, and the longer the exposure, the more damage that occurs. Since 5G uses millimetre waves and is set to push a constant barrage of frequency on humans anywhere they go, this would mean sustained wave exposure, and thus inevitable biological damage.
Incredibly, these are the same wave technologies used in airport fully body scanners that we have been raising awareness about for years. It’s important to note, you CAN opt out of going through those scanners.
Dr. Rashid Buttar has given an incredible interview where he goes page by page as to exactly what this declassified CIA research reveals. The report summarizes 7 studies on the effects of millimeter-wave radiation levels between 37-60GHz. These levels are “safe” according to government, but that is NOT what the science says.
As we have said for the last year and a half, now is a potent time to understand the dangers of 5G and work to stop its rollout. This interview is a must listen. Click here to watch Dr. Rashid Buttar’s interview.
As we can tell in our world right now, a ton of truth is coming to the surface, the environment to create change is ripe. If we can stay grounded, in our hearts and avoid descending into hate, we can TRULY make a big difference here.
Dr. Buttar Reveals Declassified Government Report Related to 5G Dangers
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