The next big theme I want to talk about is a pretty interesting one called, “Understanding Negative Interest Rates.” If you go to a bank and take out a loan, the bank charges an interest rate to give you that money. And if you have a credit card and use a $100 and the interest rate is 20%, that means if you don't pay it off, you have to pay the $100 plus the 20% per year. Now, the idea here is that if an economy is doing very well and there's a lot of inflation, the central bank will…