Note: The below is from the now defunct "scyinv.com", the website for the corporation that ceased operations after the worst bank foreclosure fraud in U.S. history.
Welcome . . .
. . . and thank you for visiting. This website provides information
about Spencer C. Young Investments, Inc., its CEO, and
current projects. There is more personal information and
anecdotal references vis-a-vis most corporate websites because:
(1) This is a closely held company, and therefore
knowledge of the person running it provides relevant insight;
and
(2) the character assessment thus
derived of its CEO provides context to the "Mother of All
Projects", namely the resolution of . . .
MorganStanleyGate.
Table of Contents
The content is organized by the sections noted below.
Profile - Corporate profile of Spencer C. Young Investments, Inc.
Career - The Curriculum Vitae of Spencer C. Young
Education - Mr. Young's Educational Background
Personal - The Personal Side of Mr. Young
Philosophy - Mr. Young's Core Values and Guiding Principles
Corporate Profile
Spencer C.
Young Investments, Inc. is a privately-held investment
company that acquires and redevelops ideally located commercial real
estate properties in a manner that is thematically exciting, and fitting
for their locale.
Commercial
real estate "redevelopment" entails enhancing existing properties
by re-configuring, re-tenanting and re-branding to serve their best
use for their surrounding area and therefore cultivate their greatest
value. Redevelopers are typically welcomed by
communities for they can swiftly invigorate a local
economy and convert blighted areas into communal gathering
spots and vibrant arenas for commerce. As compared with traditional
developers, a creative redeveloper can efficiently revitalize a
local community because improvements are made to what already exists,
thereby promoting acceptance, as well as expediency in transformation.
The goal
of each project is to create a "destination property".
This is accomplished by establishing a unique "brand" and manifesting a
competitive advantage that is difficult to replicate.
Emphasis is placed on location-location-location, cultivating a pleasant and
inviting environment, and attracting creative merchant entrepreneurs,
who are passionate about their business and strive for excellence
in all that they do.
The picture of Atlas at Rockefeller Center accurately
depicts the nature of its business, how issues are addressed, the
resolve of its CEO, and outlook for the future:
⇨ Real Estate
Related Activities;
⇨ Strength In Purpose; and ⇨ No Matter What Challenges May Weigh On One's Shoulders, . . . ⇨ . . . The Sky'sThe Limit In What Can Be Achieved.
The Company is run by Spencer C. Young, who has an
extensive background in commercial real estate finance & investment, along
with a noteworthy track record for creating value and building lasting
franchises. The Company's credo is: Audaces Fortuna Juvat. (Fortune favors the bold)
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Curriculum
Vitae
The eponymous head of Spencer C. Young Investments, Inc. is
a corporate finance executive and investment banker by trade, who has owned,
managed and redeveloped commercial real estate since 1986.
He possesses an extensive background in
related capital markets, and is considered one of the pioneers of
the Commercial Mortgage Backed Securities ("CMBS")
market.
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Founded CMBS
Business
Spencer C. Young founded the Commercial Mortgage Backed Securities
("CMBS") business for JPMorgan
in 1994, serving as Chief Operating Officer
of its Commercial Mortgage Conduit, which provides attractive long-term
financing through the origination of commercial mortgages for securitization. Within 18 months of his arrival, Mr. Young catapulted
JPMorgan, a long-revered banking institution known for its business prudence
and lending conservatism, from a non-market participant in the "Conduit
CMBS" market to that of a market leader, achieving a #
2 ranking at the time he left his role.
He achieved such success by formulating exclusive strategic business
alliances with major financial institutions throughout the U.S., who were
market leaders in the regions they served. This created CMBS industry's most
impressive group of strategic partners, who
effectively "blanketed the nation" in its offerings of long
term, fixed rate financing for commercial real estate. Working closely with the rating agencies,
in-house Trading and third-party CMBS investors, Mr. Young also personally
developed a rigorous and fully integrated underwriting and pricing methodology
(coined the JPMorgan "Black Box") which enabled consistent and
timely deal structuring for transactions throughout the United States.
This Black Box was as secretive as it was effective, and eventually became the
talk of the industry, such that Mr. Young was presented with a tongue-in-cheek award at the 1996 National Mortgage Bankers Conference to
celebrate its omnipresent use and cloaked secrecy.
CMBS
Market Leadership
In 1997, Mr. Young was hired by Morgan Stanley,
who already had a strong franchise in all facets of commercial real estate,
except in the area of commercial mortgage originations, which languished in
comparison to that of JPMorgan. He was
sought because of his track record of
expedient success.
In less than two years of his arrival at Morgan Stanley, Mr.
Young's sweeping changes in their Conduit CMBS business operations
and marketing resulted in a five-fold increase in annual business
volume, increasing originations
to $2.5 billion, while maintaining the high credit standards
he had established at JPMorgan. What makes this fillip in business
growth so noteworthy is that capital markets lending was essentially shut
down for the last quarter of 1998 -- the result of market instability from
the default of Russia's sovereign debt.
This growth was made possible because Mr. Young had lured
ALL financial institutions with whom he had
established CMBS strategic partnerships during his tenure at
JPMorgan. This demonstration of client loyalty by major financial
institutions spoke volumes about Mr. Young's business development skills,
as well as the value he was able to bring to a Wall Street firm
such as Morgan Stanley. By developing this important business
segment from large financial institutions, Mr. Young solidified a
market stronghold on agented securitizations, while
also growing a competitive direct lending capability. In
short order, the success of his approach became readily apparent.
In the three of the four years Spencer Young headed up its CMBS
conduit business, Morgan Stanley was the #
1 ranked issuer in CMBS securitizations.
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Historic
Deal
In 2002, Mr. Young completed a $500 million
monetization of agribusiness loans, the largest of its kind,
serving as an important diversification and liquidity solution for AXA
Equitable, who was so pleased with the transaction,
that they voluntarily paid a premium to the contracted investment banking
fee. This was the largest transaction
fee paid to Morgan Stanley's Securitization group that year.
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IQ® Brand
Creation
Relying on his strong relationships with some of the largest and most
well-respected financial institutions, Mr. Young conceived,
developed and trademarked
the most successful proprietary brand of CMBS, the IQ® brand, representing
"Institutional Quality". This entailed
the securitization of seasoned low leverage commercial mortgages originated by
conservative financial institutions (principally life insurance companies)
on heterogeneous loan documents, not intended for securitization - a
novel idea at the time.
Due to the exceptionally high underlying credit quality, the
inaugural transaction of this innovative product reopened the CMBS market
in October 2001, after it was abruptly closed by the terrorist attacks on our
nation a month earlier. And by the third
such securitization transaction in 2002, the IQ® brand was valued
at over $250 million.
Aggregate
Success
All told, over the nine years Spencer Young served as an investment
banker at the Wall Street firms that once were part of the "House of Morgan" (JPMorgan and
Morgan Stanley), he was involved in over $7 billion in
commercial mortgage loan originations, and over $25 billion in CMBS transactions,
entailing the financing and securitization of commercial real estate
properties (e.g., apartment buildings,
shopping centers, industrial facilities, office buildings, hotels) in EVERY
STATE of the mainland United States.
Importantly, the franchises he established and/or grew at these
institutions are today worth $ Billions.
[Note: CMBS should
NOT be confused with the Mortgage Backed Securities ("MBS") for
residential mortgages NOR sub-prime mortgages, which arguably played
significant roles in procreating the worst
economic crisis since "The
Great Depression". Importantly, the CMBS market will continue
to play an important role in providing liquidity to the commercial real
estate market (e.g., loans for apartment buildings, retail shopping centers,
industrial parks, office buildings, hotels).
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Financial Executive at Citicorp
Prior to joining JPMorgan, Spencer Young served at Division Controller
and Treasurer at Citicorp Real Estate, with offices in 26 cities across
the United States, with annual loan financings of $10 billion.
During what was widely viewed as a period of economic depression
in commercial real estate in the late 1980's/early 90's (the "Commercial
Real Estate Depresssion"),
Mr. Young was responsible for arranging funding for a growing portfolio
of non-performing loans, a challenging issue from a treasury perspective,
because there was no telling how or when the loans would get worked out
He later joined a highly profitable start-up operation
at Citicorp Securities, trading distressed commercial mortgages
principally acquired from the Resolution Trust Corporation ("RTC).
Note: The RTC was established by Congress to ameliorate the
impact of the Commercial Real Estate Depression. Specifically, it was a United
States Government-owned asset management company charged with liquidating assets
(primarily real estate-related assets, including mortgage loans) that had
been assets of insolvent savings and loan associations (S&Ls, Thrifts,
Savings Banks, etc.). The RTC is credited with having effectively launched
the CMBS industry.
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Educational Background |
Ivy League Education
Spencer C. Young received his Masters in Business Administration
("MBA"), with an emphasis in Finance, and Bachelor
of Science in Hotel &
Restaurant Management from Cornell University,
an Ivy League school in upstate New York, with arguably the most beautiful
college campus in the U.S., the aesthetics of which are offset in part by
having nearly as many cloudy days as Seattle. Mr. Young was one of the few at Cornell
entitled to "proceed through", in other words matriculate for his
MBA immediately upon receiving his Bachelors degree. This is rare because most Cornell graduate
business students are required to obtain meaningful job experience before
attending, and only a handful of Cornell undergrads are admitted anyway, for
diversity.
While at Cornell, Mr. Young maintained a multi-faceted campus
lifestyle. This included collegiate
sports, running a business, working various jobs, involvement in fraternity
activities, teaching assistantships and diverse course studies offered by the
various colleges that comprise this University. In other words, he capitalized on the
precept for which this institution of higher learning was founded: "I
would found an institution where any person could find instruction in any
study" - Ezra Cornell (1868). While the variety of course selection
certainly holds true to this day, the nice folks in Cornell Admissions
have probably long felt a hankering to insert "duly qualified"
between "any" and "person". Mr. Young also began his study of
martial arts (Karate, Tae Kwon Do & Kyushojutsu) at Cornell, which he
continues to practice today.
In addition, Mr. Young maintained an active social life on (and off)
campus, be it: (1) forming a graduate business school team to run in the
annual "Phi Psi 500" charity event wearing business ties and toting
attaché cases; (2) arranging night time ski trips to Greek
Peak and Song Mountain,
(3) dance-a-thons (yes, disco was all the rage at the time); or (4) futile,
but hilarious cow-tipping
excursions.
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Collegiate
Football
Mr. Young's nickname, by which he was known throughout his collegiate
career, was "Scy" (pronounced "sky"), representing his
initials. He was often told he had a
good "sports name", however many would mispronounce it ended up
uttering the name of a renowned Hall of Fame
pitcher. Scy Young was
a Defensive Back and Kickoff Return Specialist on the Cornell "Big Red" Football Team,
under Head Coach George Siefert, later of San
Francisco 49er and NFL Super Bowl coaching fame.
This experience was a serving of "humble pie" for Mr. Young,
but he responded in a manner that demonstrated his flexibility and willingness
to be a team player. This being the
case because he was a star high
school running back, selected to the All-League team, and the
exclusive "Gridiron 44"
team, which has many alumni who have gone on to play in the NFL. In fact, at Cornell, Mr. Young was asked to
play virtually every position except the one for which he was
recruited by Cornell and other colleges to play, most notably Yale and Penn. Nevertheless,
Coach Siefert granted deference to his players, and welcomed their opinions
and feedback. For instance, at the
start of his sophomore year, Mr. Young requested moving to the Tailback
position. Not missing a beat, Coach
Siefert retorted: "Sure -- you can be our 5th String Tailback.
. . or if you wish, you can be our starting Defensive Back". Touché.
Mr. Young is first to admit his collegiate football career was decidedly
underwhelming, but he felt a sense of accomplishment in the October 25, 1975 game at the Yale Bowl, when
he shut down the #1 pass receiver in country, Gary Fencik, who eventually went
on to become an All-Pro player in the
NFL, and won a Super Bowl playing for the Chicago Bears. At the time, Gary Fencik was a senior All-American
Split End for Yale, while Mr. Young was a mere rookie Cornerback for Cornell.
Although nervous about doing so, Coach
Siefert tasked Mr. Young with trying to keep Yale's quarterback, Stone
Phillips (later of Dateline NBC
fame) from getting the ball to Fencik. Despite Mr. Young's success in thwarting the
Phillips-to-Fencik connection, Cornell lost the game 20-14.
Despite high
expectations, Cornell went on to lose the preponderance of its games that
season, and Mr. Young concluded making a run at playing in the NFL would be
an imprudent career track for him.
Other
Activities
While at Cornell, Mr. Young owned and operated a commercial photography
business called Campus
Foto Service, which held a monopoly in taking group pictures
for sale at the various parties thrown by the 54 fraternities and sororities
at Cornell. Campus Foto Service had a
long history of providing these memories, and continued for decades after Mr.
Young sold this business to one of his photographers.
Mr. Young served as a teaching assistant for certain courses in which
he had excelled, including: Restaurant
Management, Engineering, and Public Speaking. He was a member of the Alpha
Psi Chapter of the Chi Psi Fraternity,
and worked as a short order cook at the on-campus Rathskeller at
the Statler
Hotel, and as a kitchen hand at Tri-Delta Sorority.
Possessing diverse interests, and a fertile intellectual
curiosity, Mr. Young undertook heavy academic work-loads despite the
significant time commitments of his extracurricular activities. In addition to his regular academic
workload, he took courses at many of the other colleges that comprise this
Ivy League University. For example, Calculus,
Micro Economics, Intermediate Macro Economics, Creative Writing and Art
History in the School of Arts &
Sciences, Agricultural Economics and Taxation in the School
of Agriculture & Life Sciences, and Communication Arts in
the School of Human Ecology.
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This section presents a candid summary of the personal side of Mr. Young,
and is made publicly available to help expose the smear campaigns associated
with MorganStanleyGate
that were launched against him in New York, North Carolina and nationally,
by Morgan Stanley and Kirkland & Ellis as part of their cover-up efforts.
Spencer Clifford Young III was born and raised in Long
Island, New York, spending the preponderance of his childhood in Bayside,
Queens in New York City. He had a
decidedly normal and happy childhood. Vacations were principally comprised of family
gatherings at modest vacation homes in New Jersey and Florida that were
generationally passed on, and childhood summers were typically spent playing
stickball. After his sophomore year in
high school, his family moved to Great Neck, a suburban town on the North Shore
of Western Long Island (the "North Shore"). Upon completion of his graduate and
undergraduate studies at Cornell University
in upstate New York, Mr. Young returned to Long Island, where he was married
and raised his family including three sons in the Town of Manhasset.
In 2004, while waiting for his civil claims
to be adjudicated against Morgan Stanley, Mr. Young began investing in North
Carolina with the purchase of a specialty retail mall in Durham,
and bought a live-work condominium in Chapel Hill in 2005, so he could be close
to his oldest son Michael, who was attending Duke University. Also influencing Mr. Young's decision was his
twin sons' aspirations to attend Duke (Kevin), and nearby University of North
Carolina at Chapel Hill (Ryan).
Father
His father, Spencer C. Young, Jr.
, known to his friends as "Cliff" was a member of "the greatest generation". He was a World War II veteran who served on
the front lines at the age of 20, and was part of the January 1944 invasion in The
Battle of Monte Cassino (a/k/a The Battle of Rome). Shortly after the main invasion, he was
reported missing in action, however months later it was
learned he was ambushed while on a scouting patrol and became a German Prisoner
of War ("POW). During
the last few months of his 15 months in captivity, he had to endure an 850
kilometer "death
march" during harsh winter conditions, while being provided
little or nothing to eat. Any POW unable
to keep up, or otherwise withstand the elements, was shot. He was rescued in April 1945
by a U.S. Army Military Police team, which included one of his best friends.
In his first letter after
being rescued, he wrote his parents: "I am once again classified as a
free man. The feeling within a man's
heart is beyond any type of written description. Freedom is a small word, but it means so much
for happiness."
Growing up in Hollis and St.
Albans, Queens in New York City, Cliff was athletic and excelled at baseball,
football and basketball. Of note, he
played basketball at Andrew Jackson High School with NBA Hall of Famer, Bob Cousy., and was on the Ohio Weslyan basketball
team, but this was interrupted by his call of duty in World War II. Upon his return from the war, Cliff graduated
from Ohio
Weslyan, and after two years at Brooklyn Law School,
decided he didn't want to be a lawyer. He married his high school sweetheart, became
a successful businessman, running his own insurance agency, Young &
Koomans, and provided well for his family.
Involvement in his son's
activities was a must for Cliff, and as a result he was very close with his
son. In fact, he coached every one of
his son's gradeschool baseball, basketball and football teams.
Grandfather
Mr. Young's paternal grandfather
was an immigrant from Scotland, a World War I U.S. Navy veteran, and a lifetime
politician and civil servant. Known to
his friends and colleagues as "Spence", Spencer C. Young, Sr.started
his civil career in 1922 as an entry level bookkeeper for New York City, and
worked his way up, successfully fulfilling roles as Chief of the Bureau of Real
Estate, the Bureau of Investigation, and the Bureau of Public
Improvements and Construction.
He briefly left the New York City
government in 1942, when he was appointed United States Marshall
for the Eastern District by President Franklin Delano Roosevelt. In 1946, he was Treasurer of New York
City and served in that role for eight years under the
administrations of Mayor
William O'Dwyer and Mayor
Vincent Impellitteri. During
that time, he was credited with helping avert a looming New York City fiscal
crisis by initiating a Program of selling property tax liens, a somewhat novel
idea at the time.
To bring this about, he worked
with prominent local developers to generate private investor interest in
participating in the auction of property tax receivables backed by a lien on
the properties. This was an important
step to obtain ratification of the program by the City Council. Most notable among these developers was Fred Trump, who assumed a leadership role in
generating sufficient private investor interest to support ratification.
The Program was a success – a
fiscal crisis was averted, and a new method for improving municipal
liquidity was established. In these
auctions, Mr. Trump successfully bid on many tax liens associated with
multifamily properties in Queens, and converted them to fee simple interests,
thereby accelerating the growth of his burgeoning empire of apartment
buildings, which was eventually subsumed into what is now The Trump
Organization.
Spence graduated from Pace
University, and he too married his high school sweetheart (Frances
Hoffman), and was an avid golfer -- they had one son ("Cliff").
Mr. Young's Family
Mr. Young met Maria Lombardi
on a chartered Club Med trip to the Carribean in 1981. They were on the same flights coming and
going, but they met by chance on the return flight back --- their relationship
blossomed and they were married in 1983.
They made their first homes in
Douglaston, and later in Forest Hills, both being coop apartments located in
the borough of Queens, New York. Mr.
Young served as Treasurer on the Board of Directors of each. They had three sons, Michael (born in
1986) and twins, Kevin & Ryan (born in 1989). Shortly after
Michael's birth, they purchased a house in Manhasset, Long Island, where they raised
their three boys.
Relationship
With His Sons
Mr. Young was extensively
involved in raising his sons, and loves them each dearly.
As youngsters, he often read to
them before they went to sleep, and when they were older, on Sundays in the
Fall and Winter, they would regularly huddle around the TV to watch NFL games
(notably the Giants), and in the Spring and Summer, they went to Met and Yankee
games.
On vacations, the four of them
were inseparable. While Mom lounged at
the pool or beach, they would play intense doubles tennis and the competitive
levels of the night-time two-on-two full court basketball games were "off
the hook". There were also some
unplanned events that introduced a degree of excitement they would have
preferred not to have experienced -- for instance, when Mr. Young was
demonstrating his purported sailing prowess, he nearly got them lost at sea in
a small catamaran.
Coach Young
Despite having three sons so
close in age and an extensive travel schedule as a financial executive and investment
banker, Mr. Young somehow managed to carry on the coaching tradition
established by his father, coaching virtually every grade-school baseball,
basketball and lacrosse team they played on.
As a member of the
"over-achiever generation", Mr. Young also served as the Town Basketball
Commissioner for the Manhasset Catholic Youth Organization
& Police Athletic League, and he formulated all-star travel teams
that he in turn coached. With every team
Mr. Young coached for his sons, he drilled into them the importance of unselfish
teamwork and sportsmanship, knowing that such a foundation would
serve them well in the future. In
retrospect, it is understandable why the preponderance of the kids who played
on Mr. Young's grade school all-star basketball travel teams, eventually went
on to play sports at the collegiate level.
Mr. Young was also known for thoughtfully
developed playbooks, that emphasized fundamentals. And these playbooks would invariably contain timeless sayings that can be applied to life's everyday challenges. For instance, one of Mr. Young's favorites was
given to him by his Real Estate Law Professor at Cornell, the late John Sherry:
"If you think you are beaten, you are
If you think you dare not, you don't
If you'd like to win, but think you can't
It's almost a cinch you won't
For out in the world you'll find
Success begins with a fellow's will
It's all in the state of mind"
It's all in the state of mind"
When each of his sons played
T-ball, and later baseball, Mr. Young (with Maria's valuable assistance) would
prepare a standout banner that would be attention getting, and stir up the
esprit de corp of the team. Mr. Young
would also dress up in the appropriate team colors for additional effect.
Mr. Young consistently arranged
his vacation time each summer so that he could accompany his three sons to
lacrosse camp. In particular, he
attended Cornell's
Lacrosse Camp, and served as a pro bono coach/camp counselor, and
was the only father who did so. This
arrangement was made possible by Hall of
Fame Cornell Lacrosse Coach Richie Moran, and later continued,
albeit to a lesser extent by subsequent Head Coaches of Cornell Lacrosse, Dave
Pietramala and Jeff Tambroni.
Sensing that the sport of
lacrosse would continue to grow in popularity, and in turn assist each of his
sons to get into the college of their choice, Mr. Young put a lacrosse stick in
their hands shortly after they learned to walk, and painfully tended goal for
them growing up, right up until the point that his son Michael shattered his
thumb with a blistering 90 mph shot (yes, he had a radar gun).
His Son's
Sports Accomplishments
Both Michael and Kevin Young
played for the Duke Men's Lacrosse
Team. Michael
graduated from Duke University in 2008 and Kevin followed in
2011.
During their collective tenure, Duke
made the NCAA Final Four Lacrosse Championship Tournament, with the exception
of the year the infamous
lacrosse scandal erupted on the national scene.
Kevin's twin brother Ryan
played for Maryland's Mens Lacrosse team, and was a
three-time All American, and team captain. In high school, Ryan was a First Team All American, and ranked as one of
the top ten high school lacrosse players in the
nation. He was a standout on the Gold Medal winning Team Long Island in the Empire games,
as well as the Gold Medal winning Team
USA in the World Games. The
below video chronicles his accomplishments, as reported on ESPN.
Flies in the
Ointment
Mr. Young was as close with
his sons and as intimately involved in their activities as his father was with
him. Moreover, he had been happily
married for more than 20 years. However,
an unthinkable fraud was perpetrated by certain individuals at
Morgan Stanley, where Mr. Young was an Executive Director. Egregious instances of obstructing justice
then ensued, which were then supplemented by increasingly pernicious unlawful
activities to cover-up their earlier misdeeds -- and because Mr. Young's quest
for justice has been unrelenting, the cover-up efforts have only augmented. As stated by others,"Morgan
Stanley has no conscience and is morally bankrupt", and has had a
notorious history of illicit activities with Kirkland & Ellis.
And time and time again, Morgan Stanley has
been fined by the NASD and the SEC
for obstructing justice. A Judge even described the collaborative
efforts of Morgan Stanley and Kirkland & Ellis as "evidence of malice or
evil".
Morgan Stanley's unlawful
activities include fraud, extortion,
corruption, racketeering, commercial sabotage and antitrust,
with assistance provided by their notorious partner in crime -- Kirkland & Ellis, who breached their ethics in helping
structure Enron's fraudulent private partnerships, and has regularly engaged in
obstructing justice with Morgan Stanley. This unrelenting nightmare began on November
20, 2002 and transmogrified to the point of ripping apart Mr.
Young's once close and loving family, punctuated by a painful separation and
divorce, eviction from their home of 20 years, and a confounding estrangement
between a loving father and his sons. .
Maria
Young's Passing
After a valiantly fought battle
enduring for over three years, Maria Antoinette Young, Spencer's wife of 24
years, succumbed to pancreatic cancer on April 17, 2011. Most afflicted with this form of cancer, do
not survive much longer after diagnosis, but Maria was indeed a fighter. In fact, her bravery and persistence served as
inspiration for the Men's Lacrosse teams of Maryland (whom son Ryan played for)
and Duke (for whom son Kevin played) throughout the Spring of 2011. In fact, both teams faced each other in the
Atlantic Coast Conference Championship and in the semi-final game of the NCAA
Final Four Championship. Although Maria
passed away before these games were played, she was able to see them play
against each other on March 11, 2011, which is captured in the below video.
The below video montage from a
variety of ESPN broadcasts in the Spring of 2011 is, among other things, a
tribute to Maria Young. However, it
bears reminding that Maria's untimely passing would have NEVER transpired had
it not been for the chronic stress she was subjected to from the
MorganStanleyGate scandal. Her family
health history has decided longevity (e.g., her mother is in her late 80's as
of this writing in 2015 and her father lived into his 70's. She was NOT a smoker, she seldom drank
alcohol, she was NOT overweight and there was NO INCIDENCE OF CANCER in her
family background whatsoever. Moreover,
it is a well-known medical fact that chronic stress can substantially lower
one's immune system, which is the body's primary defense against this dreaded
disease -- Ergo . . .
Morgan
Stanley Killed Maria Young
