Electric-truck maker Nikola has agreed to pay $125 million to settle charges that it defrauded investors by misleading them about its business, the Securities and Exchange Commission announced Tuesday, following a more than yearlong investigation sparked by fraud accusations against departed founder Trevor Milton, who's tumbled out of the billionaire ranks amid the resulting turmoil.

Trevor Milton, founder and former CEO of Nikola Motor Co.

In a Tuesday statement, the SEC said Nikola, which has not admitted or denied the agency's findings, is responsible for Milton's allegedly misleading statements and other alleged deceptions that inflicted harm on retail investors.

The SEC found Nikola deceived investors about its products, technical advancements and commercial prospects for at least seven months last year, and said proceeds from the penalty will be used to return funds to "victim investors."

Shares of Nikola, which did not immediately respond to Forbes' request for comment, skyrocketed nearly 600% to a closing high of $65.90 last year before the accusations came to light; they have since tumbled 85% to less than $9.50. 

Amid the stock's precipitous decline, Milton has lost a staggering amount of wealth: Worth as much as $8.7 billion in June 2020, his stake in the company is worth less than $1 billion today, according to Forbes—even after selling more than $300 million in stock since ​​he was charged with three counts of criminal fraud in July.

The Tuesday order follows a tentative agreement on the matter previously disclosed last month, when Nikola CEO Mark Russell told Forbes the seven-year-old company, which delivered its first two vehicles to customers last week and projects less than $8 million in revenue this year, expects to pay the fine over a two-year period.

"Before Nikola had produced a single commercial product or had any revenues from truck or hydrogen fuel sales, Milton embarked on a public relations campaign aimed at inflating and maintaining Nikola’s stock price," the SEC wrote in an order released Tuesday. "Milton’s statements in tweets and media appearances… painted a picture of Nikola that diverged widely from its then-current reality."

In an indictment unsealed in July, the U.S. attorney’s office in Manhattan charged Milton—and not Nikola—with two counts of securities fraud and one count of wire fraud, alleging the company's former CEO "lied about nearly every aspect of [Nikola's] business" to drive up investor demand for shares. Milton pled not guilty to the charges in a Manhattan courtroom on July 29 and was freed on $100 million bail, which was reportedly secured by two properties Milton owns in his home state of Utah that are worth a combined $40 million

Nikola’s stock price skyrocketed after its Nasdaq debut in June but has traded sharply lower since short-seller Hindenburg, which says it holds no position in the firm, published a report last September calling the electric vehicle company an “intricate fraud” and alleging then-chairman Milton misled investors about the company’s business. The Justice Department and SEC started their investigations into the firm just days later. Milton has since resigned, legacy carmaker GM pulled out of a massive partnership with the firm late last year and Nikola has lost more than $20 billion in market value. 

Nikola Has Tentative Deal To Settle SEC Probe With $125 Million Fine (Forbes)

Indicted Billionaire Trevor Milton Has Sold Nearly $300 Million Worth Of Nikola Stock Since Criminal Fraud Charges (Forbes)

Nikola Will Pay $125 Million To Settle Fraud Charges As Indicted Ex-CEO Tumbles Out Of Billionaire Ranks

Though the items, which include necklaces and sleep masks, emit low levels of ion radiation, they can be dangerous if worn consistently and permanently affect tissue and DNA.

ome people, concerned about the effects of 5G networks, have purchased various items like necklaces to “protect” themselves. But Dutch authorities are now warning that many of these items are actually radioactive.

“Don’t wear it anymore,” the Dutch Authority for Nuclear Safety and Radiation Protection (ANVS) warned. “Put it away safely and wait for the return instructions.”

The ANVS identified ten anti-5G products that emit dangerous levels of ionizing radiation. These items include necklaces, sleeping masks, and even bracelets for children.

“Exposure to ionizing radiation can cause adverse health effects,” the ANVS said in a statement. “Due to the potential health risk they pose, these consumer products containing radioactive materials are therefore prohibited by law.”

The safety organization went on to explain that ionizing radiation can “damage tissue and DNA” and cause red skin. Although the products have low radiation levels, they can be dangerous if someone constantly wears their anti-5G necklace or bracelet.

“Someone who wears a product of this kind for a prolonged period (a year, 24 hours a day) could expose themselves to a level of radiation that exceeds the stringent limit for skin exposure that applies in the Netherlands,” the ANVS said.

“To avoid any risk, the ANVS calls on owners of such items not to wear them from now on.”

Rijksinstituut voor Volksgezondheid en MilieuThe Magnetix Smiley Kids Bracelet is one of the items that contains low levels of radiation.

However, the Dutch agency also notes that people can’t simply throw these items away. They’re radioactive, after all. As such, the products must be dealt with differently.

“Preferably you should store them in their packaging or in a bag that has been closed-off or sealed; they should then be put in [a] closed cabinet,” the ANVS explained, noting that people should spread the word to other members of their household.

They added: “Do not throw the products away with your household waste. Because they contain radioactive materials or waste, it is important that they be handled by a company with the expertise to deal with such substances.”

Furthermore, the ANVS has also warned vendors of the products that their sale now officially violates the Nuclear Energy Act and could result in fines.

Why do people seek out anti-5G items to begin with? As 5G spreads globally, so have many conspiracy theories about its potential dangers. Although the World Health Organization has found 5G to be similar to 3G and 4G, some are worried that the new network will trigger anything from headaches to immunodeficiencies.

For now, the World Health Organization is still researching radio frequencies to understand better any impacts they may have on human health. But they haven’t found any indication that it’s dangerous yet. The WHO states:

“To date, and after much research performed, no adverse health effect has been causally linked with exposure to wireless technologies.”

That said, resistance in the Netherlands to 5G has been especially fierce. In 2020, anti-5G protestors damaged several cellular broadcasting towers and left behind anti-5G graffiti.

Similar attacks have happened across Europe, especially during the coronavirus pandemic. According to one theory, the 5G towers spread the disease.

“To be concerned that 5G is somehow driving the COVID-19 epidemic is just wrong,” explained Jonathan Samet of the Colorado School of Public Health, who chaired a WHO committee to examine any possible ties between cell phone radiation and cancer. “I just don’t find any plausible way to link them.”

After arson attacks hit several cell phone towers across Europe in 2020, including in Ireland and Cyprus, European officials also cracked down on theories that 5G was somehow linked to COVID-19.

“I want to be very clear here,” said European Commission spokesman Johannes Bahrke. “There is no geographic or any other correlation between the deployment of 5G and the outbreak of the virus.”

Despite this, many people remain convinced that 5G is dangerous. They’ve sought out objects to “protect” themselves — items that market themselves as natural, and filled with minerals. Sadly, these items may be more dangerous than 5G itself.

Scientists Just Found That Several ‘Anti-5G’ Products Meant To ‘Protect’ People From Cell Networks Emit Dangerous Radiation

uring the rush to market in 2021, it seemed like almost every corner of the food industry was looking for a seat at the table. But investors in restaurant chains, grocery store favorites and even a lab-grown meat maker had trouble digesting a year’s worth of spicy and bland public listings, from Oatly’s $10 billion IPO bust to Sweetgreen’s abrupt reversal from a first-day run up.  

Since the beginning of January, 13 companies in the food industry have gone public. Between 2009 and 2019 — when Beyond Meat started the industry’s IPO boom — just five food companies had made their public debuts. The following year, 2020, saw five start trading, a flow that almost tripled this year.  

Investors who dug in are likely reaching for a bottle of Mylanta right about now, as the combined market cap of this year’s group continues a precipitous fall, from a collective peak value of $42 billion to $19 billion as of Dec. 17. None of the 13 companies now trade above their peak value. Just three trade higher than their offering prices — Napa Valley’s Duckhorn wine portfolio, Chicago-style hot dog chain Portillo’s and coffee chain Dutch Bros. — and each has still fallen a combined $2.5 billion from their respective 2021 peaks. In a possible sign of fallout, Instacart, which was eyeing a potential 2022 listing, has decided to remain private for now.AeroFarms, an unprofitable vertical farm based in Newark, New Jersey, had been going after a $1.2 billion valuation but pulled back its SPAC deal the week before its listing was set to start trading in September. CEO and cofounder David Rosenberg says he was concerned that the stock price would drop like AppHarvest, which went public in January, and other recent food tech SPAC listings.  Instead, AeroFarms is raising its ninth round of private capital, likely in the nine-figures or more, and will reconsider going public through a traditional IPO. 

“The SPAC market changed and it put us in the penalty box,” Rosenberg said. “We put all our foundation in place. We're ready to be a public company. When we do it, it will be on our terms. It’s not so far in the future.” Craig M. Hurlbert, the CEO of indoor-grown produce company Local Bounti, says his listing, backed by Cargill, skated through while competitors weren’t so lucky. 

“We really focused on the quality of the investor,” Hulbert said, moments after Local Bounti’s stock started trading in November. 

Those who have yet to price are facing an uncertain future. There are at least two restaurant IPOs still expected, according to November 2021 S-1 documents that were filed within days of each other: Panera is set to merge with a holding company backed by Shake Shack and Union Square Hospitality cofounder Danny Meyer while a listing from Seattle-based Mod Pizza, with 500 locations, is also coming. The anticipated U.S. re-listing of the stock of the world’s largest meatpacker, JBS, is also slated for next year, as it’s currently only traded on Brazil’s exchange. Additionally, there is the possibility of listings by venture-backed startups in Silicon Valley, including plant-based alternative companies Impossible Foods or Eat Just. 

From Fresh To Funky: A By-The-Numbers Look At The Food Listing Boom That Wasn’t

Director and producer Jean-Marc Vallée, who won an Emmy for directing the hit HBO series “Big Little Lies” and whose 2013 drama “Dallas Buyers Club” earned multiple Oscar nominations, has died. He was 58.

His representative Bumble Ward said Sunday that Vallée died suddenly in his cabin outside Quebec City, Canada, over the weekend.

Vallée was acclaimed for his naturalistic approach to filmmaking, directing stars including Reese Witherspoon, Nicole Kidman, Amy Adams and Jake Gyllenhaal over the past decade.

He directed Emily Blunt in 2009′s “The Young Victoria” and became a sought-after name in Hollywood after “Dallas Buyers Club,” featuring Matthew McConaughey and Jared Leto, earned six Academy Awards nominations, including best picture.

He often shot with natural light and hand-held cameras and gave actors freedom to improvise the script and move around within a scene’s location. The crew roamed up and down the Pacific Coast Trail to shoot Witherspoon in 2014′s “Wild.”

“They can move anywhere they want,” the Canadian filmmaker said of his actors in a 2014 interview with The Associated Press. “It’s giving the importance to storytelling, emotion, characters. I try not to interfere too much. I don’t need to cut performances. Often, the cinematographer and I were like, ‘This location sucks. It’s not very nice. But, hey, that’s life.’”

He re-teamed with Witherspoon to direct the first season of “Big Little Lies” in 2017, and directed Adams in 2018′s “Sharp Objects,” also for HBO. Vallée won DGA awards for both.

‘Dallas Buyers Club’ director Jean-Marc Vallée dead at 58

A bond is a fixed-income security. Bonds allow governments and companies to sell some of their debt to investors. Bonds that offer a fixed interest rate are exposed to interest rate risk. If you buy bonds, it's best to know how interest rates could affect your investment.

Inflation is the rising level of prices for goods and services. It can have two negative impacts on those who invest in bonds. One is obvious, while the other is more subtle. To invest wisely, you should learn about both.

In short, inflation makes interest rates go up. This, in turn, makes bond values go down, but the full picture is more complex.

Bond interest rates are also called "bond coupons." A bond with a fixed coupon rate will hold the same interest rate, no matter what happens in the market.

Inflation is the rise of prices for goods and services across all sectors in an economy. The effect of inflation is to decrease the value of money. When inflation rises, you are able to buy less with your money.1

Inflation is measured using the Consumer Price Index (CPI). The CPI tracks the change over time in the price of goods and services.2

The Federal Reserve (the Fed) is the United States' central bank. It sets the country's monetary policy and manages inflation. When inflation rises, the Fed may choose to raise short-term interest rates. The goal is to reduce the demand for credit and help prevent the economy from overheating.3

When the Fed raises short-term rates—or when it is expected to do so in the future—intermediate and longer-term rates also tend to go up. Since bond prices and yields move in opposite directions, rising yields mean falling prices. That means a lower value for your fixed-income investment.

The second impact of inflation is less obvious. But, it can take a major bite out of your portfolio returns. This effect is the difference between the “nominal” return and the "real" return. The nominal return is what a bond or bond fund provides on paper. The real return is adjusted for inflation.

To understand this concept, think of a shopping cart of food that you buy at the supermarket. If the items in the cart cost $100 this year, inflation of 3% means that the same group of items cost $103 a year later.

Suppose that during that same year, you have a short-term bond fund with a yield of 1%. Over the year, the value of a $100 investment rises to $101 before taxes. On paper, you made 1%, but in real-world money, they actually lost $2 worth of purchasing power. The “real” return was –2%.

The average rate of inflation in the United States since 1913 has been 3.2%. It is skewed somewhat by the high-inflation periods of World War I, World War II, and the 1970s, but it still means that investors needed to earn an average annual return of 3.2% just to stay even with inflation.4 However, with the pandemic's impact, the annual inflation rate for the United States jumped to 5.4% for the 12 months ended June 2021. That rate has not occurred since 1932.

Keep in mind that inflation compounds each year, just like investment returns. But with inflation, the result is negative. From 1982 through the present, inflation has risen nearly 100% on a cumulative basis due to this compounding effect. As a result, you would have needed to see the value of your investments double during that time, just to keep up with inflation.

In some cases, investors are willing to trade a negative real return in exchange for safety. You may decide that preserving your principal is more important.

If safety isn’t your top priority, be mindful of the impact of inflation. If your goal is to build a nest egg for the future, a bond or bond fund that pays 2% won't be enough. (Remember, your total return should be over 3.2%.)

Instead, consider a diversified approach. Add medium- to higher-risk investments such as investment-grade corporate bonds, high-yield bonds, and equities.

Many mutual fund companies offer real return funds that are designed to stay ahead of gradual inflation. One drawback to these bond funds is that their costs tend to be high. Both Vanguard and Fidelity offer products with lower fees than the industry average.

Inflation will always be a silent thief eating away at the value of your long-term investments. With some planning, you will be able to stay a step ahead of it.

To hedge, or protect, yourself against inflation, choose investment vehicles that are likely to outpace inflation. For example, Treasury Inflation-Protected Securities (TIPS) are a type of bond that adjusts the principal value of the bond based on inflation. Stocks typically keep pace with inflation, but they're also more volatile. Real estate is another investment that typically keeps pace with inflation. A good financial advisor can help you develop a strategy that meets your needs.


Savings bonds typically have an interest rate that's in line with other safe savings vehicles like bank savings accounts. That means the interest rate is relatively low, but so is the default risk. They're a good investment if your goal is preserving your principal. Other options like CDs or fixed-interest annuities can also meet that goal, however, and they may pay a higher interest rate. If your goal is growth, other investment vehicles may be a better fit.

Recent research demonstrates that existing COVID-19 vaccines offer less defense against the surging omicron variant and that booster shots increase that protection. A Lancet study in early December found that the Moderna booster protected best -- raising antibodies 32 times in those previously vaccinated with Oxford/AstraZeneca -- though it also had the most adverse effects.

However, a report from the UK on Friday indicates that booster effectiveness starts to decrease notably after 10 weeks. And as countries like Germany and South Korea have shortened the wait time for booster shots, US experts are considering a similar approach.

In a briefing released Friday, the UK Health Security Agency announced that the Oxford/AstraZeneca, Pfizer/BioNTech and Moderna vaccines all protect against omicron less than they did against delta and that protection from boosters wanes in time. Booster effectiveness generally decreased to between about 60% and 70% protection at two to four weeks after the shot, down to between about 35% and 45% at 10 weeks, depending on the combination of vaccines administered.

The UK report also adds weight to the hope that omicron infections are less severe than with the delta variant, noting that the risk of hospitalization from omicron is about three-fifths of that from delta. 

On ABC's This Week on Sunday, Dr. Ashish Jha, dean of the Brown University School of Public Health, discussed the possibility of shortening the wait time for boosters. He noted, "The data suggests both from Moderna and Pfizer vaccines that shortening it to as little as three months, but probably more in the sort of four to five months range, because we do see a waning of the immunity of the antibodies by four to five months."

In a report published Wednesday on the preprint site Medrxiv, scientists at Copenhagen's Statens Serum Institut examined health records of 3 million Danes taken between Nov. 20 and Dec. 12. They found vaccine effectiveness among seniors 60 and older who had received a booster dose 14 to 44 days earlier averaged 54.6%, according to Reuters. (That's comparable to the rate found shortly after receiving one shot of the Pfizer vaccine, which quickly wanes.) 

Their research hasn't been peer-reviewed yet, but it follows preliminary data from last week indicating Moderna's half-dose COVID booster shot can raise antibody levels against omicron 37-fold. Moderna President Stephen Hoge said during a conference call that the lab results were "reassuring" and put booster recipients "comfortably" above the level of a breakthrough risk.

Moderna also indicated a potential double dose of the booster, 100 micrograms versus 50 micrograms, would increase omicron-neutralizing antibodies "approximately 83-fold higher than pre-boost levels."

Omicron has quickly become the dominant strain in the US, accounting for nearly 75% of new COVID-19 cases. While it appears able to evade some of the defenses offered by two doses of the Pfizer and Moderna vaccines, boosters offer some protection against infection and are highly effective in preventing serious illness. President Biden recently announced new plans -- including "free" at-home COVID-19 test kits and stricter rules for international travelers -- to protect Americans from the surging omicron variant.

The CDC urges anyone 18 years or older to get a booster six months after their second dose of Moderna or Pfizer (and anyone 16 or 17 years old to get a booster six months after their second dose of Pfizer). On Dec. 16, a CDC advisory committee recommended Moderna's Spikevax and Pfizer-BioNTECH's Comirnaty, both mRNA vaccines, over Johnson & Johnson's one-jab carrier, or virus vector, vaccine.

According to Our World in Data, the US averaged about 838,000 booster shots per day for the week ending Dec. 21. More than 64 million Americans have been boosted since Aug. 13. The increased focus on boosters comes as the omicron variant forces the CDC, health officials and organizations to reconsider what it means to be "fully vaccinated." 

So far, the vaccines have proven highly effective in preventing serious reactions and death from COVID-19. People who are unvaccinated are 10 times more likely to be hospitalized if infected. With the federal vaccine mandate expected to start next month, the Biden administration expects even more Americans to get the jab. The government has also ordered 13 million courses of antiviral drugs in anticipation of higher caseloads this winter.

Here's what you need to know about the Moderna booster, including doses, side effects and how to get a free ride. to your vaccination appointment. For even more details, here's the latest on COVID-19 vaccines for kids, how you can soon get a free COVID-19 test kit and what to know about breakthrough infections. 

Now playing: COVID-19 boosters and the delta variant: What you need...

How effective is the Moderna booster against the omicron variant?


On Monday, Moderna's Hoge said early lab research shows the pharmaceutical company's COVID-19 vaccine booster provides "good protection against the omicron variant" by raising antibody levels approximately 37 fold. For comparison, Pfizer said earlier this month its booster raises antibody levels 25 fold, creating "robust protection" and offering "a sufficient level of protection" against omicron.

Studies of omicron variant infections in the US appear to support the concern about weakened protection for those who are fully vaccinated with two doses of the Moderna and Pfizer vaccines or one of Johnson & Johnson's, but did not get a booster yet. Dr. Rochelle P. Walensky, CDC director, said Dec. 10 that 80% of the first confirmed US cases with the mutated strain had been in patients who were fully vaccinated. 

Is Moderna working on additional COVID vaccine boosters?


On Monday, Moderna president Stephen Hoge said the company's current 50-microgram COVID booster gives "quite respectable" protection. The company is continuing to study an omicron-specific vaccine and a multivalent one that could protect against other variants, including the alpha and delta strains, in case either is needed. 

The company said it is also studying a 100-microgram version of its current vaccine booster, which appears to raise antibody protection 83 fold. Hoge said Moderna could have new versions of its vaccine ready early in 2022 but is not planning to ask the CDC and FDA to amend its booster authorization for the 100-microgram trial version of its booster.

Will we need an annual COVID booster shot?


With vaccines appearing to offer waning protection and a continuing evolution of COVID variants, Hoge said we will most likely need seasonal boosters, much like we do with the flu, at least to protect those at high risk of infection. The new research from UKHSA strongly indicates reduced protection from vaccine boosters after 10 weeks.

The CDC updated its guidance to indicate that, starting in 2022, some immunocompromised people will be able to get a fourth COVID-19 booster shot.

When is it time to get a COVID-19 vaccine booster shot?

If you got Moderna or Pfizer jab, you're eligible for a booster six months after the date of the second shot listed on your vaccination card. Two months after the Johnson & Johnson vaccine is the time for a booster (more below).

The CDC and other health authorities are now urging people to get boosters as soon as they're eligible, to keep the immune response against omicron, delta and other coronavirus variants of concern as strong as possible. 

On Dec. 2, President Biden outlined a plan for Medicare to contact the 64 million people it serves and for AARP to reach out to its 38 million members about getting a booster shot. Pharmacies like Walgreens, CVS and Rite Aid are contacting customers who got a vaccine at their stores when it's time to schedule a booster.

Should people who are pregnant get a booster shot?

The COVID-19 booster recommendations apply to all people 18 years and older, including those who are pregnant. The CDC urges pregnant people to get a COVID-19 vaccine, a booster is half a full vaccine dose.

"People who are pregnant or recently pregnant are more likely to get severely ill with COVID-19 compared with people who are not pregnant," the CDC says on its website.

While there is no evidence that getting vaccinated decreases fertility in women or men, a recent study also linked COVID-19 infection in pregnant people to a higher risk of stillbirth. 

Is the Moderna booster shot a third dose of the vaccine?

Booster shots of COVID-19 vaccines are currently half doses of the same vaccine used in the first two full shots. The goal is to top up the formula and reinforce the body's immune response against the virus and its variants. While the first two shots of the Moderna vaccine were each 100 micrograms, the booster is a 50-microgram dose.

Moderna is also working on a combination shot that contains this year's flu vaccine and its COVID-19 booster vaccine, but that's not available right now.

Moderna COVID booster: How well does it work against omicron?

While the world was fighting an increase in Covid cases, Northern Ireland had another increase to worry about — UFO sightings.

Northern Ireland’s police department reported that they received reports of eight 'weird' sightings in the country in past year. This year has seen an increase in such sightings from 2020 when there were six such reports and from 2019 when there were four recorded complaints.

On January 17, in the Downpatrick area, locals reported sighting a spaceship and flashing lights. After that, in May the local police was called for one spotting of white lights after a helicopter in the Maghaberry area, and a disc-type structure in the sky in the Slemish area of County Antrim.

After that, police saw 'strange images' on CCTV of a house in the Newtownabbey area. The department also reported a sighting of a dome-shaped objected with eight bright lights from the Saintfield area.

In the second half of the year, locals called the police about 'aliens in bedroom', but no further reporting was revealed in international news. In October, however, the police department detained a local who had claimed to have been abducted by aliens.

Last month, locals reported spotting 'unusual bright lights in the sky', which could have been something else, but were reported as 'strange sightings'.

A spokesperson from the Police Service of Northern Ireland (PSNI) clarified that no investigation had been launched or carried out in relation to any of these reported sightings. PSNI maintains a database about unidentified flying objects (UFOs), aerial phenomena, unidentified aerial phenomena, lights in the sky, and aliens and extraterrestrial.

Experts also believe that people spending too much time at home, owing to Covid lockdowns, may have contributed to the increased number of reports. "It's difficult to say what lies behind the small increase in sightings." Nick Pope, who used to investigate reports of UFO sightings for the Ministry of Defence (MoD) said. "COVID-19 and lockdowns may have played a role, with people having more time on their hands during the pandemic, and perhaps spotting things that previously may have gone unnoticed.

"Another possibility is that people are following the situation in the United States, where Congress is taking the issue seriously and the Pentagon has launched a new UFO initiative," he added. "This may make people more likely to report something unusual that they’ve seen because it sends the message that the authorities take the matter seriously."

However, he also added that he believes the sightings are highly underreported due to the stigma around it, and "if the MoD restart investigations and ask the public to report anything unusual, I’m sure they'll receive lots of reports."

Aliens in bedroom? Northern Ireland reports increase in UFO sightings

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Nikola Will Pay $125 Million To Settle Fraud Charges As Indicted Ex-CEO Tumbles Out Of Billionaire Ranks

Scientists Just Found That Several ‘Anti-5G’ Products Meant To ‘Protect’ People From Cell Networks Emit Dangerous Radiation

From Fresh To Funky: A By-The-Numbers Look At The Food Listing Boom That Wasn’t

‘Dallas Buyers Club’ director Jean-Marc Vallée dead at 58

What Does 7% Inflation Do To Your Bonds?

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