Many factors contribute and affect the health of the financial world (not to mention our personal financial microcosm) like war; natural or weather disaster; psychology, theory, market greed, emotion, and panic; pandemic; civil unrest; and even complacency. Somehow, a solution emerges, we learn, we adapt, and we find a way forward. The Federal Reserve is the third central banking system in United States History, regulating financial institutions and managing the safety, flexibility, and stability of the monetary system.