Terence O'halloran is a well experienced, highly qualified strategic financial planner and the language used in the book is straightforward and down to earth. The classic market™ is identified as a circa fifteen year cycle of at one point inversely correlated market movements that works in direct contrast to a later phase in the classic market TM where property and equity movements are highly correlated in a downward slide. The first having an extremely positive effect on banking and the second, a devastating effect that contributed to bank collapses similar to those in 1979, 1992 and 2008."