Tuesday, September 4, 2018

Spencer C. Young Investments, Inc. - Its Now Defunct Website

Note:  The below is from the now defunct "scyinv.com", the website for the corporation that ceased operations after the worst bank foreclosure fraud in U.S. history

Welcome . . .
. . . and thank you for visiting.  This website provides information about Spencer C. Young Investments, Inc., its CEO, and current projects.  There is more personal information and anecdotal references vis-a-vis most corporate websites because:
  (1) This is a closely held company, and therefore knowledge of the person running it provides relevant insight; and  

  (2) the character assessment thus derived of its CEO provides context to the "Mother of All Projects", namely the resolution of . . . 

Table of Contents
The content is organized by the sections noted below.
Profile - Corporate profile of  Spencer C. Young Investments, Inc.
Career - The Curriculum Vitae of Spencer C. Young
Education - Mr. Young's Educational Background
Personal - The Personal Side of Mr. Young
Philosophy - Mr. Young's Core Values and Guiding Principles
Corporate Profile
Spencer C. Young Investments, Inc. is a privately-held investment company that acquires and redevelops ideally located commercial real estate properties in a manner that is thematically exciting, and fitting for their locale. 

Commercial real estate "redevelopment" entails enhancing existing properties by re-configuring, re-tenanting and re-branding to serve their best use for their surrounding area and therefore cultivate their greatest value.  Redevelopers are typically welcomed by communities for they can swiftly invigorate a local economy and convert blighted areas into communal gathering spots and vibrant arenas for commerce.  As compared with traditional developers, a creative redeveloper can efficiently revitalize a local community because improvements are made to what already exists, thereby promoting acceptance, as well as expediency in transformation.

The goal of each project is to create a "destination property".  This is accomplished by establishing a unique "brand" and manifesting a competitive advantage that is difficult to replicate.  Emphasis is placed on location-location-location, cultivating a pleasant and inviting environment, and attracting creative merchant entrepreneurs, who are passionate about their business and strive for excellence in all that they do.

The picture of Atlas at Rockefeller Center accurately depicts the nature of its business, how issues are addressed, the resolve of its CEO, and outlook for the future:
  Real Estate Related Activities;
  Strength In Purpose; and
  No Matter What Challenges May Weigh On One's Shoulders, . . .
  . . . The Sky'sThe Limit In What Can Be Achieved.

The Company is run by Spencer C. Young, who has an extensive background in commercial real estate finance & investment, along with a noteworthy track record for creating value and building lasting franchises.  The Company's credo is: Audaces Fortuna Juvat. (Fortune favors the bold)

Curriculum Vitae
The eponymous head of Spencer C. Young Investments, Inc. is a corporate finance executive and investment banker by trade, who has owned, managed and redeveloped commercial real estate since 1986.  He possesses an extensive background in related capital markets, and is considered one of the pioneers of the Commercial Mortgage Backed Securities ("CMBS") market.


Founded CMBS Business
Spencer C. Young founded the Commercial Mortgage Backed Securities ("CMBS") business for JPMorgan in 1994, serving as Chief Operating Officer of its Commercial Mortgage Conduit, which provides attractive long-term financing through the origination of commercial mortgages for securitization.  Within 18 months of his arrival, Mr. Young catapulted JPMorgan, a long-revered banking institution known for its business prudence and lending conservatism, from a non-market participant in the "Conduit CMBS" market to that of a market leader, achieving a # 2 ranking at the time he left his role.
He achieved such success by formulating exclusive strategic business alliances with major financial institutions throughout the U.S., who were market leaders in the regions they served.  This created CMBS industry's most impressive group of strategic partners, who effectively "blanketed the nation" in its offerings of long term, fixed rate financing for commercial real estate.  Working closely with the rating agencies, in-house Trading and third-party CMBS investors, Mr. Young also personally developed a rigorous and fully integrated underwriting and pricing methodology (coined the JPMorgan "Black Box") which enabled consistent and timely deal structuring for transactions throughout the United States.  This Black Box was as secretive as it was effective, and eventually became the talk of the industry, such that Mr. Young was presented with a tongue-in-cheek award at the 1996 National Mortgage Bankers Conference to celebrate its omnipresent use and cloaked secrecy.

CMBS Market Leadership
In 1997, Mr. Young was hired by Morgan Stanley, who already had a strong franchise in all facets of commercial real estate, except in the area of commercial mortgage originations, which languished in comparison to that of JPMorgan.  He was sought because of his track record of expedient success.

In less than two years of his arrival at Morgan Stanley, Mr. Young's sweeping changes in their Conduit CMBS business operations and marketing resulted in a five-fold increase in annual business volume, increasing originations to $2.5 billion, while maintaining the high credit standards he had established at JPMorgan.  What makes this fillip in business growth so noteworthy is that capital markets lending was essentially shut down for the last quarter of 1998 -- the result of market instability from the default of Russia's sovereign debt. 

This growth was made possible because Mr. Young had lured ALL financial institutions with whom he had established CMBS strategic partnerships during his tenure at JPMorgan.  This demonstration of client loyalty by major financial institutions spoke volumes about Mr. Young's business development skills, as well as the value he was able to bring to a Wall Street firm such as Morgan Stanley.  By developing this important business segment from large financial institutions, Mr. Young solidified a market stronghold on agented securitizations, while also growing a competitive direct lending capability.  In short order, the success of his approach became readily apparent.  
In the three of the four years Spencer Young headed up its CMBS conduit business, Morgan Stanley was the # 1 ranked issuer in CMBS securitizations.

Historic Deal
In 2002, Mr. Young completed a $500 million monetization of agribusiness loans, the largest of its kind, serving as an important diversification and liquidity solution for AXA Equitable, who was so pleased with the transaction, that they voluntarily paid a premium to the contracted investment banking fee.  This was the largest transaction fee paid to Morgan Stanley's Securitization group that year.

IQ® Brand Creation
Relying on his strong relationships with some of the largest and most well-respected financial institutions, Mr. Young conceived, developed and trademarked the most successful proprietary brand of CMBS, the IQ® brand, representing "Institutional Quality".  This entailed the securitization of seasoned low leverage commercial mortgages originated by conservative financial institutions (principally life insurance companies) on heterogeneous loan documents, not intended for securitization - a novel idea at the time.  
Due to the exceptionally high underlying credit quality, the inaugural transaction of this innovative product reopened the CMBS market in October 2001, after it was abruptly closed by the terrorist attacks on our nation a month earlier.  And by the third such securitization transaction in 2002, the IQ® brand was valued at over $250 million.

Aggregate Success
All told, over the nine years Spencer Young served as an investment banker at the Wall Street firms that once were part of the "House of Morgan" (JPMorgan and Morgan Stanley), he was involved in over $7 billion in commercial mortgage loan originations, and over $25 billion in CMBS transactions, entailing the financing and securitization of commercial real estate properties  (e.g., apartment buildings, shopping centers, industrial facilities, office buildings, hotels) in EVERY STATE of the mainland United States.

Importantly, the franchises he established and/or grew at these institutions are today worth $ Billions.

[Note: CMBS should NOT be confused with the Mortgage Backed Securities ("MBS") for residential mortgages NOR sub-prime mortgages, which arguably played significant roles in procreating the worst economic crisis since "The Great Depression".  Importantly, the CMBS market will continue to play an important role in providing liquidity to the commercial real estate market (e.g., loans for apartment buildings, retail shopping centers, industrial parks, office buildings, hotels).

Financial Executive at Citicorp
Prior to joining JPMorgan, Spencer Young served at Division Controller and Treasurer at Citicorp Real Estate, with offices in 26 cities across the United States, with annual loan financings of $10 billion.
During what was widely viewed as a period of economic depression in commercial real estate in the late 1980's/early 90's (the "Commercial Real Estate Depresssion"), Mr. Young was responsible for arranging funding for a growing portfolio of non-performing loans, a challenging issue from a treasury perspective, because there was no telling how or when the loans would get worked out
He later joined a highly profitable start-up operation at Citicorp Securities, trading distressed commercial mortgages principally acquired from the Resolution Trust Corporation ("RTC).
Note: The RTC was established by Congress to ameliorate the impact of the Commercial Real Estate Depression. Specifically, it was a United States Government-owned asset management company charged with liquidating assets (primarily real estate-related assets, including mortgage loans) that had been assets of insolvent savings and loan associations (S&Ls, Thrifts, Savings Banks, etc.). The RTC is credited with having effectively launched the CMBS industry.

Educational Background

Ivy League Education
Spencer C. Young received his Masters in Business Administration ("MBA"), with an emphasis in Finance, and Bachelor of Science in Hotel & Restaurant Management from Cornell University, an Ivy League school in upstate New York, with arguably the most beautiful college campus in the U.S., the aesthetics of which are offset in part by having nearly as many cloudy days as Seattle.  Mr. Young was one of the few at Cornell entitled to "proceed through", in other words matriculate for his MBA immediately upon receiving his Bachelors degree.  This is rare because most Cornell graduate business students are required to obtain meaningful job experience before attending, and only a handful of Cornell undergrads are admitted anyway, for diversity.

While at Cornell, Mr. Young maintained a multi-faceted campus lifestyle.  This included collegiate sports, running a business, working various jobs, involvement in fraternity activities, teaching assistantships and diverse course studies offered by the various colleges that comprise this University.  In other words, he capitalized on the precept for which this institution of higher learning was founded: "I would found an institution where any person could find instruction in any study" - Ezra Cornell (1868).  While the variety of course selection certainly holds true to this day, the nice folks in Cornell Admissions have probably long felt a hankering to insert "duly qualified" between "any" and "person".  Mr. Young also began his study of martial arts (Karate, Tae Kwon Do & Kyushojutsu) at Cornell, which he continues to practice today.

In addition, Mr. Young maintained an active social life on (and off) campus, be it: (1) forming a graduate business school team to run in the annual "Phi Psi 500" charity event wearing business ties and toting attaché cases; (2) arranging night time ski trips to Greek Peak and Song Mountain, (3) dance-a-thons (yes, disco was all the rage at the time); or (4) futile, but hilarious cow-tipping excursions.

Collegiate Football
Mr. Young's nickname, by which he was known throughout his collegiate career, was "Scy" (pronounced "sky"), representing his initials.  He was often told he had a good "sports name", however many would mispronounce it ended up uttering the name of a renowned Hall of Fame pitcher.  Scy Young was a Defensive Back and Kickoff Return Specialist on the Cornell "Big Red" Football Team, under Head Coach George Siefert, later of San Francisco 49er and NFL Super Bowl coaching fame.

This experience was a serving of "humble pie" for Mr. Young, but he responded in a manner that demonstrated his flexibility and willingness to be a team player.  This being the case because he was a star high school running back, selected to the All-League team, and the exclusive "Gridiron 44" team, which has many alumni who have gone on to play in the NFL.  In fact, at Cornell, Mr. Young was asked to play virtually every position except the one for which he was recruited by Cornell and other colleges to play, most notably Yale and Penn.  Nevertheless, Coach Siefert granted deference to his players, and welcomed their opinions and feedback.  For instance, at the start of his sophomore year, Mr. Young requested moving to the Tailback position.  Not missing a beat, Coach Siefert retorted: "Sure -- you can be our 5th String Tailback. . . or if you wish, you can be our starting Defensive Back".  Touché.

Mr. Young is first to admit his collegiate football career was decidedly underwhelming, but he felt a sense of accomplishment in the October 25, 1975 game at the Yale Bowl, when he shut down the #1 pass receiver in country, Gary Fencik, who eventually went on to become an All-Pro player in the NFL, and won a Super Bowl playing for the Chicago Bears.  At the time, Gary Fencik was a senior All-American Split End for Yale, while Mr. Young was a mere rookie Cornerback for Cornell.  Although nervous about doing so, Coach Siefert tasked Mr. Young with trying to keep Yale's quarterback, Stone Phillips (later of Dateline NBC fame) from getting the ball to Fencik.  Despite Mr. Young's success in thwarting the Phillips-to-Fencik connection, Cornell lost the game 20-14.

Despite high expectations, Cornell went on to lose the preponderance of its games that season, and Mr. Young concluded making a run at playing in the NFL would be an imprudent career track for him.

Other Activities
While at Cornell, Mr. Young owned and operated a commercial photography business called Campus Foto Service, which held a monopoly in taking group pictures for sale at the various parties thrown by the 54 fraternities and sororities at Cornell.  Campus Foto Service had a long history of providing these memories, and continued for decades after Mr. Young sold this business to one of his photographers.

Mr. Young served as a teaching assistant for certain courses in which he had excelled, including:  Restaurant Management, Engineering, and Public Speaking.  He was a member of the Alpha Psi Chapter of the Chi Psi Fraternity, and worked as a short order cook at the on-campus Rathskeller at the Statler Hotel, and as a kitchen hand at Tri-Delta Sorority.

Possessing diverse interests, and a fertile intellectual curiosity, Mr. Young undertook heavy academic work-loads despite the significant time commitments of his extracurricular activities.  In addition to his regular academic workload, he took courses at many of the other colleges that comprise this Ivy League University.  For example, Calculus, Micro Economics, Intermediate Macro Economics, Creative Writing and Art History in the School of Arts & Sciences, Agricultural Economics and Taxation in the School of Agriculture & Life Sciences, and Communication Arts in the School of Human Ecology.

Intellectual Pursuits
Mr. Young continues his enjoyment of diverse intellectual pursuits, and is a life-time member of Mensa, a former member of Intertel, and has been a member of TOPS ("Top One Percent Society").  He especially enjoys attending Mensa's AG's and World Gatherings.  He has also self-studied the guitar (acoustic & electric), and can play the lead to most songs by U2 (his favorite band), and he is concurrently studying four languages (French, Italian, German & Spanish).

The notion of self-actualization (i.e., realizing one's full potential) is of great importance to Mr. Young -- so much so, he operates a blog titled "What is the Meaning & Purpose of Life?", which presents musings and insights on the quest for happiness through self-actualization . . . and yes, the answer to the question posed is included.  His interest in self-actualization was stoked by his years of training at Dale Carnegie.  He is a firm believer in, and practitioner of its guiding principles, which are captured in Mr. Carnegie's timeless best seller, "How to Win Friends and Influence People".  In addition, Mr. Young has served as Graduate Instructor for its rigorous world-renowned course in "Effective Communication and Human Relations".

Although he doesn't practice as such, he also holds a certified public accountant ("CPA") license from the State of New York, and while on Wall Street, Mr. Young held a range of securities licenses covering stocks, bonds, options, futures, etc. (e.g., Series 3, 4, 7, 24 & 63).

 The Personal Side

This section presents a candid summary of the personal side of Mr. Young, and is made publicly available to help expose the smear campaigns associated with MorganStanleyGate that were launched against him in New York, North Carolina and nationally, by Morgan Stanley and Kirkland & Ellis as part of their cover-up efforts.

Spencer Clifford Young III was born and raised in Long Island, New York, spending the preponderance of his childhood in Bayside, Queens in New York City.  He had a decidedly normal and happy childhood.  Vacations were principally comprised of family gatherings at modest vacation homes in New Jersey and Florida that were generationally passed on, and childhood summers were typically spent playing stickball.  After his sophomore year in high school, his family moved to Great Neck, a suburban town on the North Shore of Western Long Island (the "North Shore").  Upon completion of his graduate and undergraduate studies at Cornell University in upstate New York, Mr. Young returned to Long Island, where he was married and raised his family including three sons in the Town of Manhasset.

In 2004, while waiting for his civil claims to be adjudicated against Morgan Stanley, Mr. Young began investing in North Carolina with the purchase of a specialty retail mall in Durham, and bought a live-work condominium in Chapel Hill in 2005, so he could be close to his oldest son Michael, who was attending Duke University.  Also influencing Mr. Young's decision was his twin sons' aspirations to attend Duke (Kevin), and nearby University of North Carolina at Chapel Hill (Ryan).

His father, Spencer C. Young, Jr. , known to his friends as "Cliff" was a member of "the greatest generation".  He was a World War II veteran who served on the front lines at the age of 20, and was part of the January 1944 invasion in The Battle of Monte Cassino (a/k/a The Battle of Rome).  Shortly after the main invasion, he was reported missing in action, however months later it was learned he was ambushed while on a scouting patrol and became a German Prisoner of War ("POW).  During the last few months of his 15 months in captivity, he had to endure an 850 kilometer "death march" during harsh winter conditions, while being provided little or nothing to eat.  Any POW unable to keep up, or otherwise withstand the elements, was shot.  He was rescued in April 1945 by a U.S. Army Military Police team, which included one of his best friends.  In his first letter after being rescued, he wrote his parents: "I am once again classified as a free man.  The feeling within a man's heart is beyond any type of written description.  Freedom is a small word, but it means so much for happiness."
Growing up in Hollis and St. Albans, Queens in New York City, Cliff was athletic and excelled at baseball, football and basketball.  Of note, he played basketball at Andrew Jackson High School with NBA Hall of Famer, Bob Cousy., and was on the Ohio Weslyan basketball team, but this was interrupted by his call of duty in World War II.  Upon his return from the war, Cliff graduated from Ohio Weslyan, and after two years at Brooklyn Law School, decided he didn't want to be a lawyer.  He married his high school sweetheart, became a successful businessman, running his own insurance agency, Young & Koomans, and provided well for his family.  
Involvement in his son's activities was a must for Cliff, and as a result he was very close with his son.  In fact, he coached every one of his son's gradeschool baseball, basketball and football teams.


Mr. Young's paternal grandfather was an immigrant from Scotland, a World War I U.S. Navy veteran, and a lifetime politician and civil servant.  Known to his friends and colleagues as "Spence", Spencer C. Young, Sr.started his civil career in 1922 as an entry level bookkeeper for New York City, and worked his way up, successfully fulfilling roles as Chief of the Bureau of Real Estate, the Bureau of Investigation, and the Bureau of Public Improvements and Construction.

He briefly left the New York City government in 1942, when he was appointed United States Marshall for the Eastern District by President Franklin Delano Roosevelt.  In 1946, he was Treasurer of New York City and served in that role for eight years under the administrations of Mayor William O'Dwyer and Mayor Vincent Impellitteri.  During that time, he was credited with helping avert a looming New York City fiscal crisis by initiating a Program of selling property tax liens, a somewhat novel idea at the time.

To bring this about, he worked with prominent local developers to generate private investor interest in participating in the auction of property tax receivables backed by a lien on the properties.  This was an important step to obtain ratification of the program by the City Council.  Most notable among these developers was Fred Trump, who assumed a leadership role in generating sufficient private investor interest to support ratification. 

The Program was a success – a fiscal crisis was averted, and a new method for improving municipal liquidity was established.  In these auctions, Mr. Trump successfully bid on many tax liens associated with multifamily properties in Queens, and converted them to fee simple interests, thereby accelerating the growth of his burgeoning empire of apartment buildings, which was eventually subsumed into what is now The Trump Organization.

Spence graduated from Pace University, and he too married his high school sweetheart (Frances Hoffman), and was an avid golfer -- they had one son ("Cliff").

Mr. Young's Family
Mr. Young met Maria Lombardi on a chartered Club Med trip to the Carribean in 1981.  They were on the same flights coming and going, but they met by chance on the return flight back --- their relationship blossomed and they were married in 1983. 
They made their first homes in Douglaston, and later in Forest Hills, both being coop apartments located in the borough of Queens, New York.  Mr. Young served as Treasurer on the Board of Directors of each.  They had three sons, Michael (born in 1986) and twins, Kevin & Ryan (born in 1989). Shortly after Michael's birth, they purchased a house in Manhasset, Long Island, where they raised their three boys.

Relationship With His Sons
Mr. Young was extensively involved in raising his sons, and loves them each dearly.
As youngsters, he often read to them before they went to sleep, and when they were older, on Sundays in the Fall and Winter, they would regularly huddle around the TV to watch NFL games (notably the Giants), and in the Spring and Summer, they went to Met and Yankee games.
On vacations, the four of them were inseparable.  While Mom lounged at the pool or beach, they would play intense doubles tennis and the competitive levels of the night-time two-on-two full court basketball games were "off the hook".  There were also some unplanned events that introduced a degree of excitement they would have preferred not to have experienced -- for instance, when Mr. Young was demonstrating his purported sailing prowess, he nearly got them lost at sea in a small catamaran. 

Coach Young
Despite having three sons so close in age and an extensive travel schedule as a financial executive and investment banker, Mr. Young somehow managed to carry on the coaching tradition established by his father, coaching virtually every grade-school baseball, basketball and lacrosse team they played on.
As a member of the "over-achiever generation", Mr. Young also served as the Town Basketball Commissioner for the Manhasset Catholic Youth Organization & Police Athletic League, and he formulated all-star travel teams that he in turn coached.  With every team Mr. Young coached for his sons, he drilled into them the importance of unselfish teamwork and sportsmanship, knowing that such a foundation would serve them well in the future.  In retrospect, it is understandable why the preponderance of the kids who played on Mr. Young's grade school all-star basketball travel teams, eventually went on to play sports at the collegiate level. 
Mr. Young was also known for thoughtfully developed playbooks, that emphasized fundamentals.  And these playbooks would invariably contain timeless sayings that can be applied to life's everyday challenges.  For instance, one of Mr. Young's favorites was given to him by his Real Estate Law Professor at Cornell, the late John Sherry:
"If you think you are beaten, you are
If you think you dare not, you don't
If you'd like to win, but think you can't
It's almost a cinch you won't
For out in the world you'll find
Success begins with a fellow's will
It's all in the state of mind"

When each of his sons played T-ball, and later baseball, Mr. Young (with Maria's valuable assistance) would prepare a standout banner that would be attention getting, and stir up the esprit de corp of the team.  Mr. Young would also dress up in the appropriate team colors for additional effect.
Mr. Young consistently arranged his vacation time each summer so that he could accompany his three sons to lacrosse camp.  In particular, he attended Cornell's Lacrosse Camp, and served as a pro bono coach/camp counselor, and was the only father who did so.  This arrangement was made possible by Hall of Fame Cornell Lacrosse Coach Richie Moran, and later continued, albeit to a lesser extent by subsequent Head Coaches of Cornell Lacrosse, Dave Pietramala and Jeff Tambroni.  
Sensing that the sport of lacrosse would continue to grow in popularity, and in turn assist each of his sons to get into the college of their choice, Mr. Young put a lacrosse stick in their hands shortly after they learned to walk, and painfully tended goal for them growing up, right up until the point that his son Michael shattered his thumb with a blistering 90 mph shot (yes, he had a radar gun).

His Son's Sports Accomplishments

Both Michael and Kevin Young played for the Duke Men's Lacrosse Team.  Michael graduated from Duke University in 2008 and Kevin followed in 2011.
During their collective tenure, Duke made the NCAA Final Four Lacrosse Championship Tournament, with the exception of the year the infamous lacrosse scandal erupted on the national scene.
Kevin's twin brother Ryan played for Maryland's Mens Lacrosse team, and was a three-time All American, and team captain.  In high school, Ryan was a First Team All American, and ranked as one of the top ten high school lacrosse players in the nation.  He was a standout on the Gold Medal winning Team Long Island in the Empire games, as well as the Gold Medal winning Team USA in the World Games.  The below video chronicles his accomplishments, as reported on ESPN.
Flies in the Ointment

Mr. Young was as close with his sons and as intimately involved in their activities as his father was with him.  Moreover, he had been happily married for more than 20 years.  However, an unthinkable fraud was perpetrated by certain individuals at Morgan Stanley, where Mr. Young was an Executive Director.  Egregious instances of obstructing justice then ensued, which were then supplemented by increasingly pernicious unlawful activities to cover-up their earlier misdeeds -- and because Mr. Young's quest for justice has been unrelenting, the cover-up efforts have only augmented.  As stated by others,"Morgan Stanley has no conscience and is morally bankrupt", and has had a notorious history of illicit activities with Kirkland & Ellis.  And time and time again, Morgan Stanley has been fined by the NASD and the SEC for obstructing justice.  A Judge even described the collaborative efforts of Morgan Stanley and Kirkland & Ellis as "evidence of malice or evil".

Morgan Stanley's unlawful activities include fraud, extortion, corruption, racketeering, commercial sabotage and antitrust, with assistance provided by their notorious partner in crime -- Kirkland & Ellis, who breached their ethics in helping structure Enron's fraudulent private partnerships, and has regularly engaged in obstructing justice with Morgan Stanley.  This unrelenting nightmare began on November 20, 2002 and transmogrified to the point of ripping apart Mr. Young's once close and loving family, punctuated by a painful separation and divorce, eviction from their home of 20 years, and a confounding estrangement between a loving father and his sons. .

Maria Young's Passing

After a valiantly fought battle enduring for over three years, Maria Antoinette Young, Spencer's wife of 24 years, succumbed to pancreatic cancer on April 17, 2011.  Most afflicted with this form of cancer, do not survive much longer after diagnosis, but Maria was indeed a fighter.  In fact, her bravery and persistence served as inspiration for the Men's Lacrosse teams of Maryland (whom son Ryan played for) and Duke (for whom son Kevin played) throughout the Spring of 2011.  In fact, both teams faced each other in the Atlantic Coast Conference Championship and in the semi-final game of the NCAA Final Four Championship.  Although Maria passed away before these games were played, she was able to see them play against each other on March 11, 2011, which is captured in the below video.
The below video montage from a variety of ESPN broadcasts in the Spring of 2011 is, among other things, a tribute to Maria Young.  However, it bears reminding that Maria's untimely passing would have NEVER transpired had it not been for the chronic stress she was subjected to from the MorganStanleyGate scandal.  Her family health history has decided longevity (e.g., her mother is in her late 80's as of this writing in 2015 and her father lived into his 70's.  She was NOT a smoker, she seldom drank alcohol, she was NOT overweight and there was NO INCIDENCE OF CANCER in her family background whatsoever.  Moreover, it is a well-known medical fact that chronic stress can substantially lower one's immune system, which is the body's primary defense against this dreaded disease -- Ergo . . .

Morgan Stanley Killed Maria Young