BA in philosophy and political economy. Small business owner/operator since 1978, now retired. Fixed income and consumer essentials equities investor. Sometimes real estate developer. I began studying money and monetary systems after the 1982 crash that plunged my home Province, Alberta, into a long and deep depression. The "arithmetic" focus of my monetary analysis follows from reading C.H. Douglas who began writing about monetary system defects in the early 1920s and who eventually invented his "social credit" monetary system that received a wide international airing during the 1930s Depression. Douglas's contemporary but not collaborator Irving Fisher is the best known of the American monetary reformers of that era. 2008 is 1929 all over again, so in late 2008 I discovered Seeking Alpha and began writing about our monetary system defects in the hope of raising monetary awareness and promoting the kinds of reforms that can prevent a repeat of the 1930s Depression.