Regarding the former; yes, I'll get to oil in a moment. However, crashing commodity prices only tell a small part of the story that is the collapse of history's largest, most destructive fiat Ponzi scheme – of which, 2015 unquestionably marked the "beginning of the end." To wit, a new Associated Press survey; which, contrary to Washington, Wall Street, and the Fed's propaganda of economic "recovery," a whopping 90% of Americans claimed 2015 was worse than 2014. No wonder, now that the average American is paying record high prices for rent, healthcare, insurance, and education; whilst "enjoying" the lowest median household income in 25 years; surging taxes, surcharges, and fees; and the lowest ever "cost of living adjustments" to their entitlement checks, care of the government's claim of rampant "deflation." Which, of course, must be destroyed with more money printing.