The “Frenemy” Audit: A Forensic Look at the 2007 Edge of the Abyss

How a combative billcara.com reader cataloged 169 warnings just before the world changed.

I am often asked why I trust my methodology so implicitly. The answer lies in the archives.

Recently, I revisited a document titled “169 Gems.” It is a collection of my market commentary from March to August 2007—the quiet months before the financial storm broke. But I didn’t compile this list. It was compiled by a reader named Kyle, and later written up…