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"Over the years, William Bonner has coauthored a number of New York Times bestsellers, including Financial Reckoning Day, Empire of Debt, and Mobs, Markets and Messiahs. He is also the author of Hormegeddon, which Black Swan author Nassim Taleb described as a ""must, must, must read."" In his own opinion, his title, A Modest Theory of Civilization: Win-Win or Lose is perhaps his best work yet. Bill also founded the worldwide research network, The Agora, in 1979. Analysts within the group, including Bill himself, have exposed and predicted some of the world's biggest shifts since that time, starting with the fall of the Soviet Union back in the late 1980s, to the collapse of the dot.com (2000) and mortgage finance (2008) bubbles, and more recently, the election of President Trump. Though begun in a ramshackle office in a bad neighborhood of Baltimore, The Agora now has offices in ten countries and more paid subscribers than the Washington Post and the New York Times put together. While most of The Agora publications focus on health or finance, some are sui generis. Les Belles Lettres, for example, is a company founded in 1919 to publish the writings that survive from the Classical Period-ancient and classical Rome and Greece. In recent years, it has expanded into Chinese classics. Another unique member of The Agora is International Living, a magazine founded by Mr. Bonner in 1979. It offers readers suggestions, information, and advice about living overseas. International Living led Bill and his partners to purchase 2,700 acres of land on the Pacific Coast of Nicaragua. Years later, the property became known to the world as Rancho Santana. By the time the widely celebrated Inn at Rancho Santana was completed in 2015, ""the ranch"" had positioned itself as Nicaragua's premiere resort destination. Long before guests arrived, however, Bill and his colleagues realized that the local inhabitants had an immediate need for health care services. They began amassing donations and recruiting volunteers. In 2004 the Roberto Clemente Health Clinic was built, staffed, and ready to open its doors. Today, the clinic continues to serve and treat more than 8,000 local residents and visitors per year. In his spare time, Bill enjoys restoring old properties or building new ones-usually with his own hands. One, in Argentina, is constructed of adobe, mud, and stone, following Roman-era building techniques. It was put up with the help of two of his sons and a small crew of local gauchos. Another is a solar house built in Maryland, constructed of ferro-cement. The house was so unconventional-and perhaps uncomfortable-that his wife refused to live in it. Addison Wiggin is a bestselling writer, publisher, and filmmaker, with over two decades' experience. An acclaimed New York Times bestselling author, his books also include Financial Reckoning Day, Empire of Debt, and The Little Book of the Shrinking Dollar. Addison is the writer and executive producer of the documentary I.O.U.S.A., an expose on the national debt, shortlisted for an Academy Award. Addison started his latest project, a podcast called The Wiggin Sessions, during the pandemic in a tornado warning. He films from a homegrown studio in Baltimore, Maryland, where he lives with his family. Addison has interviewed, at length, many of the world's most accomplished financiers, investors, politicians, and executives. Al Kessel is a full-time narrator and voice actor currently living in Arizona, where he works from his professional home recording studio. For Al, performing is passion. Audiobook narration was the logical career choice for him since, for as long as he can remember, he's been a voracious reader, acting all the characters out in his head, and often entertaining his family with his dramatic reenactments of books, movies, and television. Al prides himself on the ability to bring any character to life with his voice, a voice often described as ""smooth as melted butter,"" or ""like an old friend you just love hearing tell you about their day."" He has recorded numerous audiobooks from just about every genre. When not bringing stories to life, he loves hiking in the desert with his wife and puppy, visiting Disneyland and, when time permits, reenergizing on the beach."

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