A No-holds-barred examination of the Year-2000 Computer Fiasco and Its Implications: Almost every banking and business computer in the world today cannot recognize the year 2000, because they are programmed to read the year as only two digits. Not only might there be economic collapse, you might not be able to access your money in your accounts!

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A Christian financial consultant has just completed an exhaustive study of this most pressing problem in our economy, which may explode like an economic atomic bomb on or before January 1, 2000. Despite official assurances that everything is going to be all right, we now discover that this is simply not true. Our huge, complex economy is simply so vast that changing all the computers to reflect the four digit date [which is called being "compliant"] is simply too large and too complicated of a task to be completed before the problem melts our economy down.

Many of you undoubtedly have heard of the problem pertaining to mainframe computer software as we approach the Year 2000. Do the experts know, and are they in agreement, that there will be a problem of unprecedented proportions? If you listen to the mainline press (with Newsweek's notable June 2 edition a notable exception) one would think it will be just a small bump in the road, a minor inconvenience for a few days or weeks. However, if you study the internal documents from governments, institutions, and private contractors, you get a very, very different picture.

Those of you who have studied Risk Management may remember that the risks best suited for avoiding are those that have the highest deleterious consequences, along with those that have the highest certainty of occurring. Those consequences best suited for transferring are those with a combination of high deleterious consequences and with great uncertainty of their likelihood of occurring.

Since we cannot avoid the future, nor predict the specific outcome of this event, I believe this issue fits in the latter category: great (indeed catastrophic) consequences, plus uncertainty as to likelihood and duration. Unfortunately, this risk can be neither quantified nor transferred. This fact makes it very serious, in my considered opinion. We will likely get our answers as to compliance before January 1, 2000, since many large municipal and state governments begin their Fiscal Year, 2000, long before that date -- even as early as 1998.

The best case scenario is that the effects will be just a bump in the road in terms of systems operation, which assumes that business and governments throughout the world will make all critical changes and most of the non-critical ones, as well, by the deadline. However, even if this rosy scenario came to pass, the financial cost to business and government would still be horrendous. The lowest estimates put the cost for the U.S. private sector alone, at a few hundred billion dollars. The typical estimates, however, are in the half-trillion dollar range and the highest estimates is upwards at 1 trillion dollars! Since our economy is about $7 trillion, annually, this means that the cost of changing our business and government computers will be a staggering 14% of our total Gross National Product! Can you imagine $1 trillion coming directly off the bottom line profit-and-loss statements of private business, with no offsetting revenues? Shearing hundreds of billions of dollars straight off the earnings statements of private business will turn all valuations models for stock prices upside down!

The Financial Accounting Standards Board mandates that accountants mention this on-going concern; therefore, probably, sometime in 1998, the problem will become widely known. So, the implications to the stock markets all over the world will be devastating, even with the Best Case Scenario! In other words, the best case scenario is a world-wide stock market collapse, before the Year, 2000. [Editor's Note: We encourage you to read NEWS1115, "Planned Economic Collapse", and NEWS1117, "Hong Kong Market Woes", and NEWS1118, "Market Recovery: Don't You Believe It", to understand that our stock market is due for a collapse anyway, because of economic conditions quite apart from this situation. Therefore, this situation adds further fuel to the fire] Now, let us move to what is a more likely scenario: many companies and governments around the world will not make the changes in time, and even those who do make them [becoming compliant], risk having their compliant data corrupted by uploading data from non-compliant suppliers or vendors.

The "Y2K Problem", as it is referred to, is simple, and in many respects, boils down to this: back in the 1950's and 1960's, when computers were just starting to come of age, and tiny microprocessors were decades away, memory space was at a premium. To save space for numbers, especially dates, only two digits were used. For example, the year, 1988, was stated simply as "88", leaving off the century digits, 1 and 9. When the year, 2000, arrives, and the computer sees "00", the result when calculating the time-value of money, for example, will be incorrect or not compute at all, producing a software crash.

Again, most people who discuss or report on this subject fall into one of two camps: 1) It's "no big deal"; or 2) It will "change Western Civilization substantially". Sources that go public are generally in the first camp; those who do not go public with their concerns fall into the second camp.

Y2K problems can exist in almost any computer program. They can occur in the logic of the operating systems, security systems, or elsewhere. Business applications affected are far-reaching, including Accounts Receivable, Payables, Ledger, Manufacturing, Scheduling, Financial and Distribution Applications of untold numbers.

According to the Dallas Business Journal, this inability to recognize dates endangers every computer-based task, record, and transaction in the world. According to Peter de Jager, who testified before the Science Committee of the U.S. House of Representatives last year, the confidence of the software industry that it can correct the Y2K problem is "without foundation". Some surveys show that the industry will make the deadline in just 14% of the large projects it undertakes. According to a February 18, 1997, issue of PC Magazine, probably under 5% of the organizations are currently compliant. As stated in the Nation's Restaurant News, January, 1997, Capers Jones of Software Productivity Research of Burlington, Massachusetts, contended that for governments and companies to have a fighting chance to fix the problem in time, they must begin by June, 1997, and spare no expense.

Now, let us look at each major industry and assess the implications of this Y2K problem. You will discover that no industry is immune.


For more than 10 years, I have worked indirectly with major electric and water utilities in the upper Midwest, as well as in the South, training commercial representatives on the financial returns with alternative energy systems. Personally working with, and knowing, hundreds of representatives and executives of these companies, I can tell you that probably the most dependent facet of Western Civilization is this area of power, water, and sewer. We can survive for some time if food is cut off, or Banking, Transportation, or most other services. But, how long can we survive if water, waste services, and electric power are not functioning?

A major difference in a massive Energy shutdown versus a normal power outage is that, typically, utilities can tap into other grids that are still working if their system goes off-line for a time. But, what if most, if not all, energy systems go off line, and stay off, because the "needle in the haystack" of non-compliant code cannot be located, or if it can be located, cannot be tested and configured with all other system linked to theirs?

The Nuclear Regulatory Commission says that the Y2K problem might affect "security control, radiation monitoring ... and accumulated burn-up programs (which involve calculations to assume the hazard posed by radioactive fuel}." In fact, the General Accounting Office told a Congressional panel that several agencies will not meet the June, 1997, deadline for merely assessing their year 2000 problem. Treasury, Defense, and Transportation were the departments involved in this project. Remember that assessment/inventory accounts for only 1-5% of the overall effort of any large repair, according to California's White Paper.

In the book, "When The Eagle Screams: America's Vulnerability To Terrorism", Stephen Bowman, the author, writes about the problem facing the electrical power grids. "The United States' power system is divided into four electrical grids supplying Texas, the Eastern states, the Midwestern states, and the Northwestern states. All these grids are interconnected in Nebraska. A unique aspect of the electrical grids, as with communication grids, is that most built-in computerized security is designed to anticipate no more than two disruptions concurrently. In other words, if a primary line went down, the grid would ideally shut off power to a specific section while it rerouted electricity around that one problem area. If the security system encountered two such problems, however, the grid is designed to shut down altogether."


Certainly, billing and commercial operations would be affected. It is estimated that AT&T alone has 500,000,000 lines of code to search to correct this Y2K problem. If that was not daunting enough, what about telephone exchanges, cable systems, and satellites? Look at a company like British Telecom. They have raised their cost estimates for solving this problem from Sterling 100-200 million, to as high as 400 million, as of mid-1997. Last July, British Telecom warned that the British Government is refusing to respond to its warning that phone users in the U.K. could be cut off from international phone communications if there is not immediate cooperation among all international telephone companies to solve this problem. The company even mentioned that the problem goes all the way down to the switching systems.

Therefore, how will our banking systems carry out international currency transfers, upon which the global banking system has become so very dependent? This is one excellent instance where the failure of one major component of our global economy to solve this problem will produce devastating consequences of another major component! Even if the Banking Industry correctly solved their "compliant" problem, they could be brought down because the Communications Industry did not solve their problem.


Dennis DeGactano, of the FAA, says, "We're still in the assessment stage". Will they make the deadline? I don't know, but I doubt it. I suggest you visit their Web Site at faa.gov/ait/year2000 to reach your own conclusions.

What about the railroads? They ship critical supplies needed by virtually every industry. It is estimated that Union Pacific has 12,000,000 lines of code they must search, along with 200,000 hours of technician time needed to make the repairs. Will they, along with all the other rail lines, be compliant and coordinated?

Then, let us not forget about the Trucking Industry. They rely heavily on the Global Positioning System. This is the system that the U.S. Navy seems to be suggesting that may not make the deadline for change.


I believe a very interesting clue was recently given, regarding the true belief of the Federal Government on how imminent this problem really is. On December 8, 1997, Jamie Goretic of the Presidential Committee on Computer Security was being interviewed on CNBC, discussing the problem of computer terrorism. Our entire infrastructure is at risk of disruption or destruction by computer terrorism, including Banking, Electrical Power, Telecommunications, Transportation, and more. Goretic stated, "It will be a couple of years until a really serious attack".

At first, I thought little of this statement, but I later realized that it does not make any sense. Why will it be a couple of years before a serious attack? How could she be confident enough to make that statement? Why is she not worried that such an attack could occur next week, month, or year? After all, the technology to carry out computer terrorism exists right now; for example, the computer system of the Pentagon has been penetrated more than 100,000 times without authorization. Since the computers running our national infrastructure are far less secure than the computer system at the Pentagon, our vulnerability to computer terrorism is obvious right now. And, yet, she (confidently) states, "in a couple of years". Wow, what naiveté!

This computer security problem is the same in all governments, Federal, State, and Local. There are four states whose Fiscal Year begins July 1, 1999, Again, this fact makes the point that we should begin to see the serious implications of this problem well before January 1, 2000, especially if we see a banking panic resulting, either in 1998 or 1999.

The April 21, 1997, issue of Computer World reported that only one-third of all the states have completed the initial assessment of their problem. Steve Davis, the Budget Manager of Montgomery County, Maryland, has published a roster showing just the salary costs needed to fix this problem. This assessment covered all the states. The total salary cost is projected to be $75 billion.

The General Services Administration (GSA) has a series of articles addressing this problem. I would recommend that you visit their site, if you have any doubt as to the seriousness of this issue.

The Office of the Management and Budget (OMB) issued a report on February 7, 1997, addressing this issue. They stated the obvious: "Unless they [computers] are fixed or replaced, they will fail at the turn of the century in one of three ways: 1) They will reject legitimate entries; 2) They will compute erroneous results; or 3) They will simply not run."

The General Accounting Office (GAO) issued a long report to Congress on May 16, 1997, discussing the implications of this problem. The one area they mentioned in great detail was the Medicare system. Their conclusion was that there is no evidence that Medicare will make the deadline.

These examples, and scores of others, should do more than just wake people up to this terrible problem.

One of the many variables in this situation, one that essentially guarantees many non-compliant systems, is that programmers who wrote the original code did not always use dates to identify dates. A date can be called a date, or given any other label. Even though Cobal was used in many cases, there are countless other cases where other arcane languages have been substituted to save time. This information is typically not logged, to identify the many instances where dates are called dates, and when dates are called something else in the computer programming code. This fact is why one Medicare programmer who is still living, commented that even he could not go back to completely fix the problem!

Virtually every other department, bureau, and agency is also vulnerable. The Social Security Administration is one of the most advanced administration departments in the Federal Government in dealing with this problem. They have been working on it for eight years; yet, they estimate that they are only 65% complete. However, that estimate was made before they found additional 33,000,000 lines of code. Now, 65% compliance is only a fond memory. It looks like Gramps is going to have to put away his fishing pole, come out of retirement, and find a job again. If this discovery doesn't collapse the Social Security Administration, then Demographics will do it within 10 years, maybe in 5 years. Why is this true? Now, our system has only 3-4 wage earners supporting each Social Security recipient, versus the 30 wage earners originally, when Social Security was first established. This is kind of a perverse justice, since the majority of current recipients, especially the older ones, have received far more out of Social Security than they ever contributed, even when you count interest.

We recently learned that every single platform of the IRS is in danger of non-compliance, all IRS applications and databases. Then, we learn that several Federal Government departments have little or no plan in place to become compliant, including NASA, the Veteran's Administration, and the critically important departments of Labor, Energy, and Transportation.

In an article this past summer (1997) in the Washington Post, we learn that numerous Federal agencies are now barred from buying new computer equipment until they fix critical systems affected by the Y2K problem. The Government, over this summer, determined that its Y2K problem appears to be significantly worse than officials previously thought. In the Executive Branch, 8,562 separate "mission critical" computer systems are believed to be affected, according to an OMB report delivered to a House subcommittee. "Agencies need to realize that the Year 2000 must be the No. 1 priority for them at this point", one senior administration official said. We will discuss the Monetary aspects of the Government becoming compliant later on.


Newsweek obtained an internal Pentagon study listing the Y2K problem impact on weapons and battlefield technologies. In their current state, according to the study, "a Y2K problem exists" in several key military technologies, and they will require "upgrading" and adjustments". As mentioned above, the Navy reported that the Global Positioning System guidance satellites are vulnerable to breakage on, or around, August 20, 1999. The Pentagon estimates that there are 10,000,000 pieces of user equipment that will immediately be affected.

As of last year, (1996), the Department of Defense (DOD) was still in the stage of assessing the problem. The DOD has 358,000,000 lines of code that needs to be searched. In testimony by the Assistant Secretary of Defense, the vulnerability of the U.S., and the entire Free World, was made painfully known.

The DOD states, in their January, 1997, Information Warfare Defense Report, that they are dependent in unspecified ways on civilian organizations for communications, transportation, and other areas. Disruption in these civilian resources would directly affect the DOD.


In testimony on July 10, 1997, before the Subcommittee of Financial Services and Technology of the Senate Banking Committee, Jeff Jinnett made these comments on non-compliant computer chips in medical equipment. Remember, mainframe computers are one thing, but non-compliant chips are another. "As an example of how a non-compliant micro controller might seriously cause an item on non-computer equipment to malfunction, consider an item of medical equipment in a hospital Emergency Room, which measures the flow of blood or plasma into a patient. The micro controller in this hypothetical medical equipment keeps track of when the equipment was last calibrated and automatically shuts the equipment down as unsafe if it is not calibrated on schedule ..." Thus, the patient would suffer a shutdown of the flow of blood or plasma at the wrong time.

I.V. units, cardiac monitors, and much more are all computer dependent. "Health Care Providers are very, very vulnerable", says J. Steve Rushing, a partner in the Atlanta office of Anderson Consulting. The January, 1997, issue of Hospitals and Health Networks puts the situation this way: "Fixing the date itself is not rocket science, and only a small percentage of the total lines of software code are actually affected. Finding the offending dates is the painstakingly detailed, and time-consuming part." Large hospitals and health plans have as many as 100,000 software programs, all of which interrelate, and all of which must be brought into compliance.

Dr. Gary North recently reported on a paper issued by the Center For Disease Control (CDC). The report mentioned that the CDC is only in the assessment stage of their own Y2K problem. Then, later in the report, this statement was made: "The Office of Health and Safety has contacted the vendor to determine the compliance status of the specialized biologic and bio-hazard containment systems used at the CDC. We are awaiting verification from the vendor." Wonderful. So now, the laboratories that house killer micro-organisms (used in research like Smallpox) may not be compliant, and therefore, may fail to contain anything! Do many of us remember history? Do we remember the killer Flu Epidemic of 1918, in which 20 million people died worldwide? When computers break down, anything can happen.


Obviously, this Y2K problem is not unique to the U.S. For all practical purposes, it is a global problem. The U.S., however, will pay the greatest price, because we have the greatest computer dependence. We have the greatest division of labor; therefore, we also have the greatest vulnerability. But, when you look at other countries, you realize they are even more behind in getting their computers compliant.

The Computer Weekly News, reported on June 19, 1997, that there is a shortage of 33,000 programmers for this project in Great Britain alone. United Press International reported that Japan is just starting to deal with the Millennium Bug problem compared with the U.S., where financial authorities have already put together specific time-lines and action plans.

Reuter's reported on May 13, 1997, that "most small and medium sized British companies are still unaware that the Millennium Computer Bug threatens their survival, experts said. And although most bigger British companies are aware of the bug, more than 90% have yet to complete an internal audit of their information technology systems ..."

Federal Science Minister of Australia, Peter McGauan, made this statement on the Y2K problem. "If enough industry sectors ignore the problem there is the potential for widespread chaos and severe damage to the economy".


In November, 1997, I received a form letter from the Chairman of the Securities and Exchange Commission, Arthur Levitt. My assumption is that I received the letter because I am registered with the SEC as a Registered Investment Advisor. Listen to the first paragraph: "I am writing to express my significant interest in a most compelling issue for the investment advisory industry -- the industry's readiness for the Year 2000. As you well know, unless modifications are made, at midnight on December 31, 1999, the vast majority of computer systems may not be able to distinguish the Year 2000 from the Year 1900. Obviously, this could have extremely serious consequences for the financial system."

For the Chair of Securities and Exchange Commission (SEC) to issue this type of letter where he uses the words, "a most compelling issue" and "extremely serious consequences", not just "serious consequences", one would think this would get the attention of millions of Americans because their entire financial wealth consists of nothing but computer entries. But, no, that is not American. We Americans do not want to have a rational discussion of possible unpleasantness. I can assure you, this scenario is going to go a long way beyond unpleasantness.

If you think this situation ends with the SEC, think again; it only begins there. I have a fax, which includes a copy of a release by the Chairman of the Federal Deposit Insurance Corporation, Andrew C. Hove, Jr. The release is dated July 30, 1997, and specifically addresses the Y2K problem. He states that banks face serious disruptions if their computer systems are not modified to handle dates correctly after the year 1999. He also told the subcommittee that, unless bank computer systems are fixed, consumers could lose "access to their funds".

What does the Comptroller of the Currency, Eugene Ludwig, have to say about this situation? He says a good deal about it. In testimony before the Senate Banking Committee on July 30, 1997, he discussed this area as the number one problem facing banking, and specifically, the issue of interconnected computers. Not only must all the banks be compliant, they must be compliant with all of their customers and all other banks with whom they deal, and interconnect. Since even the methodology of repair has not been agreed upon, i.e., the Fed still recommends a 2-digit approach, while the Comptroller of the Currency recommends 4-digits, how can anyone intelligently assume this situation will ever be resolved without severe economic distress, or even chaos?

The Federal Reserve also testified before the Senate Banking Committee on July 30, 1997. Of course, Alan Greenspan was not present. since he is probably the most watched man in the world; the last thing to do is to start a panic. So, instead of Greenspan, an unknown member of the Board of Governors appeared before the committee. He stated, "Like our counterparts in the private sector, the Federal Reserve System still faces substantial challenges in achieving Year 2000 readiness. These challenges include managing a highly complex project involving multiple interfaces with others, ensuring the readiness of vendor components, ensuring the readiness of applications, testing, and establishing contingency plans ..." The Fed has 13,000 member banks. It is interesting to note that, in a survey the Fed sent out to its member banks to discern progress toward compliance, they only received 1,000 surveys back.

The Fed has stated that it has completed an initial inventory of vendor components. Vendor coordination and system changes are "progressing well". As stated earlier, the inventory process and assessment accounts for only 1-5% of the overall project.

Chase Manhattan Bank has set aside $200,000,000 to repair its code. BankBoston has a staff of 40 full-time experts working on just their Y2K problem. David Iacino, who heads a Y2K task force at BankBoston, says they have to test and fix 60,000,000 lines of code in 200 applications, and that "every day we see something new that we hadn't thought about.". Citcorp is estimated to have 400,000,000 lines of code. How do you repair a single giant mainframe in time, let alone a whole worldwide, interconnected system of mainframes? Some of these mainframes run off embedded (non-compliant) chips. Finally, you have to repair all mainframes and simultaneously ensure that all data-sharing vendors and providers are compliant! This is truly Mission Impossible.

So really (especially in banking) we are not just talking about the mainframes and the embedded non-compliant chips, we are also talking about non-compliant external systems. These external systems could have a profound impact on client/server and networked applications, particularly in the world of electronic commerce, according to Tim Wilson, who is quoted in Network World.

This effect is like the old domino effect. Look again at BankBoston, quoting Steven McManus communications manager. "At the bank, we might have 10 different products -- checking accounts, savings accounts, mortgages, mutual funds-- running on 10 different applications, some of which rely on external data ... One of the services we offer is a consolidated statement that shows all of the customer's financial assets on one page. But, if all those applications are not Year 2000 compliant, the math on your statement is going to be wrong ..." Notice that Steven did not say "some"; he said "all". And, he did not say the statement might be wrong; he said it will be wrong.

The June 7, 1997, Northwestern Financial Review reported on the progress of medium sized banks, those with assets between $50 million and $1 billion. Fully 95% do not yet have a budget for achieving compliance, while 88% do not have a documented plan for it. Only 33% responded by saying that they knew they were not at "all prepared".

J.P. Morgan Securities on May 15, 1997, issued this statement concerning the Y2K problem: "Refusing to believe that cost estimates for complying with Year 2000 requirements can really be so huge, many corporate executives seem to be in a state of denial. But guess what? The true costs will almost certainly be higher than current estimates ..."

This statement should open anyone's eyes, from the ABA Journal, dated June, 1997: "Massive litigation arising out of a disaster of unimaginable proportions."

Is there a smoking gun with this issue? Yes, we have discovered as close to a smoking gun as you will get before system failures start occurring. On November 4, 1997, Congressman Jim Leach, Chairman of the House Banking Committee, giving his preliminary remarks to the day long hearings on the Y2K problem in banking, said, "Experts also emphasize that the problem must be fixed properly and on time if Year 2000 related problems are to be avoided. I was intrigued by a statement that Federal Reserve Chairman Alan Greenspan made a couple of weeks ago. He pointed out that 99% readiness for the Year 2000 will not be enough. It must be 100%. Thus, the message seems clear: all financial institutions must be ready; Federal and State regulatory agencies must be ready; data processing service providers and other bank vendors must be ready; bank customers and borrowers must be ready; and international counterparts must be ready" Remember, we are talking about being 100% ready!

Incredibly, the press continues its deafening silence! This statement confirms the worst case scenario!

So, is there a silver bullet? You can forget it! Only people who have not studied the subject ask about such a silver bullet, and they are generally the same people who are not interested in hearing the strong evidence as to why a solution is beyond science. Further, inventory and corrective work represents less than half of the typical Y2K corrective plan, with unit and system testing comprising up to half of the total effort, or maybe even more.

A survey in the Second Quarter of 1996, by Olsten Corporation, which drew 305 responses from vice presidents and senior executives from a broad spectrum of U.S. businesses, found that only 28% had Y2K conversion programs underway, while 34% were only in the planning stages. Charles Wong, Chairman of the huge Computer Associates, mentioned on CNBC on Thanksgiving Day, 1997, that as we get closer to December 31, 1999, there are going to be companies facing "tremendous disasters".

A reasonable question to ask is: with business and governments quickly running out of time, why are only one-third of business and fewer governments, actively involved in addressing this disastrous problem? I believe part of the answer lies with human nature. How many of us will swallow a catastrophically expensive pill to cure a disease that won't show itself until well into the future, when few of my friends and colleagues are doing so, even though they have the same disease? Chief executives will have to dole out hundreds of billions of dollars to solve this problem, with no chance of any offsetting revenues. These losses must be posted against earnings in the year they are taken, and cannot be amortized, according to the FASB. This is a very, very hard pill to swallow. Therefore, must executives are taking a "wait and see" attitude.

Finally, remember, even if there is a 99% compliance (which I think is totally unrealistic), this means the effect of the non-compliant 1% is still compounded, month after month. Just in international currency transactions, this compounding effect will come to billions of dollars incorrectly allocated each day, and millions of government checks incorrectly mailed each month, to mention just a few examples of the fiasco. If it takes a decade to get 99% compliant, how will the "needle in the haystack", the remaining 1%, be discovered and corrected before total confidence in our system breaks down?

So, we are back to where we started. This is not a fun subject. We are literally talking about the entire Western Civilization at risk. You can begin taking specific steps right now. What is interesting to me is that just a few basic steps could remove a substantial amount of risk from people's lives. Yet, statistically, few will even take even these few basic steps. How about you? Are you taking a "wait and see" attitude, also? Every day you delay your decision to make plans to take defensive action, and implement them, is one more day against you. This preparation will be increasingly difficult to prepare, but those people who get started early will be way ahead, physically, spiritually, and emotionally.

Nigel Martin Jones of Data Dimensions, says, "There are two kinds of people: those who aren't working on it and are not worried, and those who are working on it and are terrified".

I would submit to you that there is a third kind of people: those who are in perfect peace. "Thou wilt keep him in perfect peace, whose mind is stayed on Thee; because he trusteth in Thee (Isaiah 26:3).



The article presented, above, by a Christian financial consultant, vividly and effectively presents the Worst Case Scenario. As he succinctly stated, "a solution is beyond science". I certainly respect hiss research, and I can clearly see that many government officials and private industry executives share this opinion. However, I also have great respect for the computer expertise of our Christian Webmaster, who just as forcefully rejects this Worst Case Scenario. According to him, software does exist that can fix hundreds of millions of lines of code and solve much but not all of the problem. Further, if any computer system were so old that it cannot be fixed with software, new hardware could be purchased that certainly would be "compliant".

He forcefully contends that, part of the issue of computer compliance might just be contrived by a combination of governments and industry representatives, so that both sides may make large profits by charging businesses, governments, and individuals, to become computer compliant. Literally, billions of dollars of sales and profits will be realized as the entire world, with all its institutions, will purchase software and hardware that their computer systems need for the "Y2K Upgrade" to fix the problem. Credit card approval software is already Y2K compliant worldwide since many expiration dates are already 2000 and beyond. In many cases this required the purchase of new software.

Much of what has been written one or two years ago on the internet about the Y2K problem has already proven to be untrue. Another danger he sees is that the perception of an impending catastrophe can lead us to drop our guard against further government intrusion into our financial lives. The solution that solves the Y2K problem might also give the control of whether we can buy or sell to government.

But, remember, these terrifying events are not occurring in a vacuum. We have taken note of many events that are occurring within the realms of Politics, Economy, and Religion which are moving the entire world into the global system of the Antichrist and his False Prophet. Many of these events are highly planned by individuals who are acting out a very sophisticated plan. In these instances, most of the leaders involved know exactly what they are doing, and whom it is they are serving.

But, this situation appears different. Here, it appears that no one person deliberately created this scenario so as to cause a collapse. If anything, it appears that this event might have been created by Satan himself, as he guides all events with his supernatural intelligence. But, we wish to point out that consultants are reporting that current political and business leaders are not doing much of anything they can to prevent this collapse, since such a collapse would greatly aid their effort to move this world into the Kingdom of Antichrist, the New World Order.

One comment caught my eye. "We are literally talking about the entire Western Civilization at risk." Now, isn't that the goal of the New World Order Plan, to deliberately collapse the Western Civilization so as to panic everybody to accept the appearance of the New Age Christ [Antichrist] and to accept the drastic changes he wants to make. Christian New Age author, Bill Cooper, speaks to this subject succinctly in his book, Behold A Pale Horse. Listen to Cooper describe the combined planned series of parallel disasters that will make it easier for our leaders to dismantle our civilization and institute their New World Order and its Christ.

"Can you imagine what will happen if Los Angeles is hit with a 9.0 quake, New York city is destroyed by a terrorist-planted atomic bomb, World War III breaks out in the Middle East, the banks and stock markets collapse, Extraterrestrials land on the White House lawn, food disappears from the markets, some people disappear, the Messiah presents himself to the world, and all in a very short period of time? Can you imagine? The world power structure can, and will, if necessary, make some or all of those things happen to bring about the New World Order." [Pages 177-178; Before we go on, note that Cooper just stated that he knows the Rapture of the Church will occur; thus, he made passing reference to "some people" disappearing]

This crisis, called the "Y2K" computer problem, would certainly enhance the collapse of the banking and stock markets. Certainly, the panic being felt by the average citizen when all these crises strike concurrently would be exacerbated if our daily lives were also directly impacted. Cooper mentions, above, food disappearing from supermarket shelves. But, there are other impacts on our daily lives from a national computer crash.

  1. Energy supplies are shut down. This means we have no access to any of our electric appliances, including cooking utensils. The impact of crisis would certainly be more deeply felt if all homes were dark and without electricity by which to cook. However, I do believe that New World Order planners would want us to have access to T.V., as much of the deception being planned by Antichrist is going to involve technological miracles over our airwaves.
  2. Water Treatment and Sewage systems are shut down. This scenario is truly frightening as it would immediately impact the health of every citizen in this country. This possibility would serve to greatly enhance the feeling of panic.
  3. American Defense is shut down. Can you imagine the panic that would develop if we were suddenly told that all of our electronic defenses were shut down? Even though our defenses have their own power supply, this computer Y2K problem would shut all our computers down, so we would have no warning of an impending attack, and we would not be able to retaliate against any attack! Our commanders could not even communicate with one another! Can you imagine the panic this news would produce? This type of panic is incalculable.
  4. If all computers in the Prison system were shut down by the Y2K computer problem, could massive numbers of hardened criminals escape? This scenario seems likely. Again, such news would produce more panic.
  5. If all banks and other financial institutions were to fail simultaneously, I could foresee the possibility that everyone would simultaneously and instantly lose their bank accounts. Perhaps, no one could even be able to get into their bank to open their Safety Deposit Boxes! This scenario would produce instant panic, and to a degree perhaps never equaled, since so many Americans are depending upon their savings and their gold to get them through any tough times.
  6. Local and State police departments might also lose the ability to protect our citizens and our property. Looting and widespread vandalism would add greatly to the feeling of panic on the part of the average American. This panic would also be enhanced if Americans were periodically cut off from their beloved TV newscasts, thus giving the feeling of isolation, of being cut off from the rest of the world.
  7. Phone service might also be cut off, thus adding to the feeling of isolation.
  8. Fuel supplies would probably also be interrupted. If the panic occurred in the Winter Season, people would be further panicked over the prospect of their loved ones freezing to death, especially the elderly. Gasoline supplies would be interrupted, so cars and trucks would shut down. People could no longer even get to work.
  9. Emergency services would also be stopped, or at least severely restricted. Fire Fighting would be severely hampered, to the point where houses would be allowed to just burn down. House fires would also dramatically increase, as people would be burning unsafe fires in their homes to stay warm.
  10. Hospital services would be severely impacted. Much of their modern diagnostic and treatment machines would simply not work anymore.

Doubtless, you can think of other instances where our daily lives would be greatly impacted, to the point where the panic level of the average American citizen would be brought to the boiling level. Remember, the entire goal of all these contrived crises is to so panic the citizenry that they will allow their liberties to be "temporarily" suspended, their government to be "temporarily" shut down, so that the government can take whatever measures deemed "necessary" to "solve" the immense created problems. This is so typical of the Illuminati: First create the problem, and then step in with the "answer", offering a concrete plan that the people will readily accept.

The most intriguing aspect of all these computers failing is the area of military defense. It seems to me that our enemies might just be waiting for the time when all the computers on all our weapons systems would simply shut down, making our most dangerous weapons nothing more than child's toys. Might we then face attack from an enemy using much less sophisticated means by which to deliver weapons of mass destruction?

Might this be the time foretold in Daniel 7:24, that immediately after Antichrist arises, three (3) of the original ten (10) Super Nations are destroyed! We have repeatedly told you that the New World Order Plan envisions that the many nations of the world are being systematically divided into 10 Super Nations, in perfect fulfillment of Biblical prophecy! [See Radio Transcripts CE1057 and CE1068 for full details]. NAFTA is Nation #1 of this 10-Nation Plan; therefore, it is possible, maybe even probable, that North America may be one of the nations destroyed, and we may be destroyed when our Defense computers are allowed to go down!


Are you spiritually ready? Is your family? Are you adequately protecting your loved ones? This is the reason for this ministry, to enable you to first understand the peril facing you, and then help you develop strategies to warn and protect your loved ones. Once you have been thoroughly trained, you can also use your knowledge as a means to open the door of discussion with an unsaved person. I have been able to use it many times, and have seen people come to Jesus Christ as a result. These perilous times are also a time when we can reach many souls for Jesus Christ, making an eternal difference.

If you have accepted Jesus Christ as your personal Savior, but have been very lukewarm in your spiritual walk with Him, you need to immediately ask Him for forgiveness and for renewal. He will instantly forgive you, and fill your heart with the joy of the Holy Spirit. Then, you need to begin a daily walk of prayer and personal Bible Study.

If you have never accepted Jesus Christ as Savior, but have come to realize His reality and the approaching End of the Age, and want to accept His FREE Gift of Eternal Life, you can also do so now, in the privacy of your home. Once you accept Him as Savior, you are spiritually Born Again, and are as assured of Heaven as if you were already there. Then, you can rest assured that the Kingdom of Antichrist will not touch you spiritually. If you would like to become Born Again, turn to our Salvation Page now.

We hope you have been blessed by this ministry, which seeks to educate and warn people, so that they can see the coming New World Order -- Kingdom of Antichrist -- in their daily news.

Finally, we would love to hear from you.

You can contact us by mail or email.

God bless you.

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