There are three categories of response to the times in which we live. 1/ Don’t change anything because everything is basically OK and anything that has to be fixed will fix itself. (What iceberg?) 2/ Make incremental changes here and there and hope for the best. (We’ll still hit the iceberg but a little bit later and at a slightly different angle) 3/ Recognize we’re headed straight for the iceberg and turn around right now. (A wise, responsible, conscious economic u-turn)