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Are galactic financial institutions sitting on a time bomb? In a controversial speech to a Presidium think tank, Dr. Torm Owel, a retired official with the Citadel Council’s Ministry of Finance, claimed that colonial-backed securities could potentially crash the galactic economy. “C-space financial institutions are binge lending to risky, Earth-clan colonization efforts,” Dr. Torm Owel said. “These loans have been repackaged and sold throughout the galaxy as ‘safe.’ It’s an economic apocalypse waiting to happen.” A brief statement from the Ministry of Finance dismissed Torm Owel’s claims as “alarmist.” Meanwhile, Baas Nevras, a spokesperson for the Unified Bank of Irune, was no kinder: “Torm Owel’s claims are based on faulty logic, and a fundamental misunderstanding of both colonial-backed securities and the galactic economy.”