Max and Stacy look at the dangers hidden in the Ides of March and the S&P 500’s rounded top. As markets send out bad omens, one of the world’s largest reinsurance companies buys gold to protect itself from negative interest rates. Will the retail investor be far behind? In the second half Max interviews Lorien Gamaroff of BankyMoon.co.za about cryptocurrency in South Africa where up to 80% of the population has no access to financial services. They also discuss crowdfunding schools in Soweto.