Unless you’ve been stranded on a desert island since mid-July, you surely know that changes are afoot in the world of finance: stocks have fallen; companies have ceased to exist; and financial market participants are nervous. Substantial ink has already been shed in describing and analyzing the situation, and we can not add meaningfully to those discussions. Instead, we can give you our perspective on where we go from here.A more detailed discussion is available in the Research section of the Tower Private Advisors website. If you do not have access to the Internet, please give us a call. Finally, if, in the future, you would like to be kept abreast of developments in a more timely fashion, please provide us with your e-mail address.