He isn't now, and NEVER was.
The answers to the FAQs in FIN # 1 through # 3 above evidence Mr. Young to be a conservative expert in finance, who exercised prudence throughout his professional life, extending nearly three decades -- and was fraudulently interrupted by the transgressions of MorganStanleyGate.
That such a question could EVER be asked about Spencer C. Young reveals how dangerous those responsible for MorganStanleyGate are to the general public -- for if a nightmare such as this could be brought about so quickly and in such a devastating manner . . . it could happen to nearly ANYONE.