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Summary
➡ In 2026, China, which houses 27 LBMA certified silver refineries, tightened export restrictions, causing a global supply shortage just as industrial demand peaked. This led to a surge in silver prices, not due to irrational excitement, but because the market had to adjust. The situation is further complicated by the fact that silver is essential for industries like solar, electric vehicles, and AI infrastructure, and demand for it is inelastic, meaning it doesn’t change with price fluctuations. This, coupled with geopolitical tensions and the potential for inflation due to money printing for AI and reindustrialization, suggests that the price of silver could continue to rise.
➡ Silver, previously seen as a secondary asset, is now being recognized as a crucial resource in national strategy and economic dominance. This shift is due to its inclusion in the U.S. critical minerals list and its scarcity and utility. The market is moving away from buying low and selling high, focusing instead on owning the resource before rivals. This change is leading to a reevaluation of silver’s value, with experts predicting significant increases in its price.
➡ Silver’s value is increasing due to strong market forces, and it’s not just a rally but a repricing. Despite the shock of high prices, experts believe it’s still undervalued. Artificial Intelligence (AI) is seen as a huge opportunity for economic growth, potentially causing an economic boom. Investing in the right stocks, including silver and AI, could lead to significant financial gains.
Transcript
This is a full blown redefinition of silver’s place in the global economy. From collapsing trust in fiat currencies to industrial applications that are literally non negotiable, something enormous is happening behind the scenes. And if Clem’s right, then $92 isn’t expensive. It might be the deal of the decade. Historically, I always sell out too early. Okay, so, you know, when bitcoin went from 2000 to wherever it was 48, 000, 50, 000, I actually got out 38. So that, that’s kind of how I tend to do things, particularly when they’re bubbly or boomy. I go, oh, I’ve had enough.
I’ve had enough. And I get out early. And as I get older, I’ve been trying to restrain myself or at least balance the gal early with a fat profit. We’ll get out early. And I could have had an even fatter profit. So 80 was basically the first stop where I would sweat. And it hit that on the weekend and you know, I thought, oh, I don’t know. Yeah, let’s see. And, and we did see, and it came down like a rock and then it bounced like a, like a bouncy thing and it came down like a rock again.
And it’s doing, it’s doing his thing. And I think that’s quite good because it is making a chart pattern that I don’t mind seeing. And if the actual range starts to shrink down and we get a sort of, you know, normality here, that would be quite bullish. But you know, I Think it will go 100 and yeah, you know, I bought in the, in the mid-20s and now I’m sat on a, a triple bagger and I’m hanging out for another one and, and I don’t need to do that. So I’m really just watching it to see how it pans out.
The thing that keeps me in really is gold because I think gold’s got a fairly large amount of way to go and silver won’t just, you know, sit here or go down if gold’s going to go another thousand or two. So that’s what makes me think that it could go to 100 and maybe more. And you know, the, I remember when I was, I was first time around with Bitcoin and I’d made my 10x and I’d bought Ethereum and I’d made my 10x and I sold it and somebody on, on X or wherever it was came on and said what are you talking about? What are you done that for? That’s, that’s nowhere near.
It’s got, Ethereum has way more to run because it’s like fast Bitcoin and in the way silver is fast gold, it’s the fast source. So to an extent I remember that as the fast halls. It should outperform gold, which is much, much bigger an asset. I mean it’s like a $50 trillion asset is gold. Silver’s only a $3 trillion asset. And you know, it’s one of those numbers I’m going to keep checking. Really only 3 trillion. I mean that’s surprisingly small amount of money. So that’s another thing that makes me think there’s upside because you know, silver in all the world, all there is is worth one.
And you know, I can see that there’s upside on that. Silver has finally stepped out of gold’s shadow and it’s not looking back. For decades, silver played the role of the obedient sidekick, mirroring gold’s movements but always lagging behind, always treated as the cheaper, more volatile alternative. But that relationship is breaking down fast. Today, silver is carving out its own identity. Not as a junior to gold, but as a standalone force in the global economy. And the reason is simple. Silver now wears two crowns. It’s still a precious metal, yes, but it’s also a critical industrial resource embedded in the arteries of the 21st century economy.
From advanced military hardware to next gen AI servers and EV battery systems, Silver’s utility has evolved far beyond bullion vaults and coin collections. That’s why the traditional gold silver correlation is starting to fray. And while gold continues to break records, silver’s percentage gains are already outpacing it. In fact, the gold to silver ratio, which hovered around 60.1 for decades, is tightening fast, with many analysts suggesting silver’s RE rating is just getting started. Clem Chambers isn’t betting on silver because it’s following gold. He’s betting on it because silver no longer needs gold’s permission to fly commodities, soft commodities, I don’t think they’ll be any different from the past.
So corn and cotton and all that stuff will be the same. But the one of course that’s coming down the pike soon is copper. Because there just ain’t enough of it to make all the transformers and all the electrical cables and all that stuff that they need for the AI revolution, for the RE industrialization and for that matter, if they carry on electrifying vehicles, which I think won’t be such a thing, but nonetheless could be, they’re going to need copper for that. And you know, heaven forfend Mr. Musk gets his million robots coming out the back door of his factories.
They’re all going to need copper. So all those metals are going to be in great demand. And copper is an easy one to get your hands on. Aluminium, I mean, it looks like it, I don’t see quite why. But nonetheless, aluminium is a replacement for various uses of copper. It’s not as good, it can’t be used for many things that copper has to be used for. So nonetheless, aluminium will be under pressure. But of course, aluminium is not really a metal. It is, aluminum is a metal. But most of the world’s crust is made of aluminum.
So it’s not a rare metal. But what is rare is the amount of energy you need to put in to aluminum ores to get the aluminium out. And that speaks to energy. And energy is going to be in huge, huge demand. They are going to boil the oceans and energy is also going to go up a lot. So at some stage the elephant in the room is going to be oil. And you know, at the moment they’re giving it away. Well, not quite, but I mean it’s hardly expensive, but at some point oil is going to go on a run.
I think it’s probably two years out. But you know, pretty much any hard commodity that goes into economic growth and or AI and or strategic matters, like a potential conflict between China and America, all that stuff’s going to get completely repriced. And if you think about the value of it in the goods that you’re buying your retail store or your computer, for example, they can go up a lot without affecting inflation and, well, not so noticeably. I mean, when you think of all the tax and the middleman and the margins and the advertising, the actual, you know, commodities at the bottom there, if they went from commodity to not, not a commodity, I, you know, not a cheap thing, then it wouldn’t necessarily blow up your inflation too much.
So what I mean by that is they’ve got plenty of Just before we get going, we just launched the official Silver News Daily Telegram. To kick things off, we’re running a 10 ounce silver giveaway. Yes, real physical silver. Not a voucher, not digital credits, actual bullion. This telegram will be our new home for real time silver discussions, market insights, collection picks and everything precious metals. It’s where the community truly comes alive. Here’s how to enter the 10 ounce silver giveaway be subscribed to Silver News Daily on YouTube, turn on the notification bell, comment 10 ounce giveaway on three separate videos.
Be an active member of the Telegram group and say hi. Once we hit 500 Active Telegram members, we’ll pick one lucky winner to receive 10 ounces of silver shipped directly to you. So get in early, stay active. When silver blasted through $85 an ounce, most investors assumed the run was nearing exhaustion. But what they missed is that this wasn’t the top. It was merely the ignition point. That price surge wasn’t driven by hype or retail speculation. It was powered by a storm of fundamentals that had been building for years and finally reached critical mass. For six consecutive years, the silver market has been in a structural deficit.
That means demand has outpaced supply every single year, and not by a small margin. Then came 2026, and with it, a game changing move. China home to roughly 27 LBMA certified silver refineries, abruptly tightened export restrictions. That decision severed a major artery of global supply right as industrial demand hit its peak. The result? A panic behind closed doors. Not in the form of headlines and Reddit posts, but but in the institutional world where capital shifts happen in silence simultaneously, Comex and LBMA inventories were drained to multi decade lows. There was no cushion left, no margin for error.
And so the price exploded. Not because of irrational exuberance, but because the market finally had no choice but to reprice. Clem Chambers isn’t looking at $85 and thinking it’s high. He’s looking at what caused it and recognizing that those same forces are still in motion. If anything, they’ve accelerated. And that’s why he believes $92 is still cheap because the road to triple digit silver may have already begun and most of the world hasn’t caught on yet. And if we make all the stuff that goes into AI, America’s got a major problem doing that. So that conflict is real, it’s now and it’s going to be rising and getting increasingly tense over the next year or two.
So gold will go up and gold going up will drag up silver and platinum and palladium and pretty much, you know, anything in that way connected. Now if I can add on top of that you’ve got this printathon which is coming up the run it hot, the re industrialize the whole of America. Well that involves printing a lot of money. And that will be inflationary. It won’t be crazily inflationary. You won’t be looking at 15 to 20% figures, but you will be looking at threes and fours and fives, which is probably six and sevens and eights underneath the hood.
So we are going into an inflationary phase because they’re going to have to print money for this AI and they’re going to have to print money for this RE industrialization. So it’s, they’re going to have to print, print, print. Now the good thing is that money will be going into productive assets. Now if you print money and put them into non productive assets, up goes your inflation dramatically. If you put them into productive assets like in the old days, railways, blah blah blah, new factories, new which will be new jobs, high Pay jobs and AI infrastructure, etc.
Well that isn’t anywhere near as inflationary as printing money and handing it out in food stamps. So it will be a massive printathon, but it won’t necessarily be a massive inflationary driver, but it will be a noticeable and elevated inflation drive. And of course that also drives all the precious metals as we all know. So the theme of the death of the dollar and all that stuff, while it’s not going to happen, the inflationary theme behind it is going to be a thing. So you’ve got that. Then you’ve got global conflict tension ever increasing. And you know that can’t be the end of gold’s rise today.
Maybe in 18 months, but not today, not for another year at least. Now here’s where things start to break wide open. While demand charges ahead, supply is hitting a brick wall and it’s been doing so quietly for years. The, the silver market has now clocked six straight years of structural deficits. That’s not a temporary blip. That’s a chronic imbalance. Mine production has stagnated and in some regions it’s even declined. Large scale discoveries are rare, grades are falling, and permitting new projects is a bureaucratic nightmare in many jurisdictions. Add to that the recent shock. China’s leading LBMA certified silver refiners, which represent a massive share of the global fleet flow, are now limiting exports.
That decision isn’t just a policy move, it’s a supply chain earthquake. It cuts off one of the Western world’s most vital sources of physical silver just as industrial users are ramping up procurement. Meanwhile, inventory levels at major exchanges like Comex and the LBMA are scraping the bottom of the barrel. We’re seeing the lowest visible stocks in decades. In some cases, delivery requests are outpacing available metal. That’s not normal. That’s the sign of a market running on fumes. The situation has gotten so tight that lease rates, what it costs to borrow silver, have spiked to levels not seen in years.
Bullion dealers are reporting delays, shortages and panic calls from clients trying to secure ounces they should have bought months ago. And remember, all of this is happening before the next major financial crisis or geopolitical shock even hits. Clem Chambers is looking at the data, at the dwindling supply and relentless demand, and seeing what most people refuse to acknowledge. This isn’t the top of the market. This is a pressure cooker. And when it finally blows, there may not be any silver left to buy it all. Well up your sense for a very long, long time. And some people are starting to agree with me or see the validity in it.
It’s not about the death of the dollar. It’s not about devaluation. It’s not about printing new money. It’s all about the fact that gold is for war. That’s it. Gold is for war. And that’s why countries are buying it. And that’s why Wall street has stood out of the way. Because you can’t fight governments. You can’t short gold if governments want you to ship it in a lorry to Fort Knox. So you have to let the price run. And you know, I don’t know whether America’s buying any gold. I mean, it should do, really. I know it’s got a lot of it, but nonetheless, China is certainly buying gold.
Lots of countries are buying gold because gold is for war. And they see that tension is increasing and it’s, it’s because gold is for war. It doesn’t mean countries are going to suddenly buy it when a war breaks out. They’ve got to think about it from now. I mean, when you’ve got Russian ships towing anchors around the Baltic trying to break all your Internet cables. Yeah. You can’t just sit there and say, well, we’ll wait till the missiles start flying before we buy gold. Have to start buying it now. And that’s what’s going on. Lots of countries are buying in gold into the central bank.
It’s not because the central bank wants it or needs it. It’s because it’s a strategic reserve for conflict. And if you feel that conflict is approaching, even if it’s far, far, far away, the closer that conflict gets to you, the more gold you have to have in the vault. So you buy it in when stress is going up, and you probably sell it down when it isn’t. And they’re buying it in because the big deal, and there’s lots of unpleasantness going on, as we all know, some terrible, terrible wars. But the big one is America versus China.
And they’re already going toe to toe in AI. And AI is the top of the pyramid when it comes to conflict, because the smartest will win. And if America’s smarter, then America will win. If China’s smarter, China will win. And right now, silver isn’t optional anymore. For the industries driving the future. Solar, electric vehicles, AI infrastructure, it’s an absolute necessity. And here’s the truth that’s caught even seasoned analysts off guard. Demand for silver in these sectors isn’t just growing, it’s locked in. It’s inelastic. That means no matter how high the price goes, manufacturers still have to buy it.
Why? Because silver’s role in their products is irreplaceable. The new generation of solar panels, especially topcon cells, uses far more silver per watt than the older tech. You can’t swap it out. There’s no cheaper alternative. And with governments worldwide doubling down on green energy mandates, solar deployment is exploding. That alone accounts for nearly 20% of global silver consumption, and it’s only climbing. Then there’s the electric vehicle sector. Every EV on the road relies on silver across its battery management systems, charging interfaces, and embedded sensors. As EV adoption grows, so does silver usage per vehicle. But it doesn’t stop there.
AI, server farms, 5G infrastructure, and even solid state battery technologies are piling into the silver market all at once. This isn’t speculative demand that comes and goes. It’s engineered into the hardware of the future. And unlike financial investors, industrial buyers don’t flinch at price. They just buy what they need. Because without silver, the product doesn’t Work. That’s what makes this rally different. It’s not driven by fear or greed, it’s driven by utility. And it’s that ironclad demand that makes Clem Chambers forecast look less like a moonshot and more like simple math. And one way to look at it, which I’ve always hold in mind, I have these ideas.
I don’t believe 100% in them, but sometimes they’re useful. And this is one of them, which is, if you woke up this morning and there’d been a mistake with your broker and they’d sold out your position, would you go back into it? Because that’s the same as holding it. What’s the difference? Right? Oh, they sold me out at 72 and now it’s still 72. Would you buy back in? Well, if you wouldn’t, you should have sold. Yeah, so if I’m holding, I should say, yeah, why not? Why wouldn’t you buy in at this price? So that, so that’s my, my thinking on that, from the purist point of view.
But I have another idea, which is if someone has to ask, the answer is always no. So if someone came to me and said, should I buy silver? I’ll say no. Yeah, because you should never buy an investment where you don’t know. You’ve got to. Even if you’re wrong, you have to intrinsically know. You have to have a very, very strong feeling to put your capital at risk. So if someone came up to me, you know, all sheepish, oh, next door neighbor, bought a new cup, bought a new car because he made money on silver, then I would say no, you have to ask.
No, if you, if you come up, if you, if you came. If they came up to me and they said, I’m going to buy silver, I reckon it’s going to 120, I’m pretty sure of it. And I’m going to put some money in. I would say, well, why not brackets. If you can afford to take a loss. If you’re wrong, close brackets. Silver has officially entered the realm of national strategy. This isn’t just a metal anymore. It’s a weapon in an unfolding resource war. In 2026, the United States added silver to its critical minerals list, elevating its status from industrial commodity to a strategic asset vital for civil infrastructure, military tech and the energy transition.
That’s a seismic shift in perception. For years, gold held the spotlight as the go to safe haven in times of uncertainty. But now silver’s unique blend of utility and scarcity is making it equally Indispensable, only this time with an added geopolitical twist. China, already wielding immense leverage through its control of rare earths, has just added silver to its economic arsenal by curbing exports. The west, realizing its dependence, is scrambling to secure supply chains, much like it did with oil in past decades. We are watching the formation of an entirely new market logic where price takes a backseat to possession.
It’s no longer about buying low and selling high. It’s about owning the resource at any price before your rival gets it first. Central banks and institutional players are catching on. Silver is no longer being treated as just an inflation hedge or industrial input. It’s a line item in the fight for economic dominance. And just like oil in the 1970s, silver is now being repriced according to power, not just production costs. That’s the context in which Clem Chambers is operating. He’s not just calling for higher prices based on supply and demand. He’s warning that silver’s next leg up could be driven by a global reprioritization, one where strategic ownership outweighs market fundamentals entirely.
Look at gold at 50 and go, well, that’s the whole value of the whole American stock market right there. So, you know, that’s a weighty number to move up, although you’ve got to be looking at the free flow. You see, most of gold is buried underground. It’s never going to move. Even if it tripled or quadrupled. You know, America is not going to sell its gold out as Fort Knox. So that gold is stationary. So there’s only a small free float to make the price move. So that’s one factor to bear in mind. And to an extent, I think the same is with silver.
But there’s a lot of loose silver out there. There’s a lot of silver tea services in antique shops and at auction. And, you know, you see these silver tea surfaces with knives and forks, 2,000 ounces for the price of the melt. So there’s a fairly large amount of silver out there. But of course you can’t really. That isn’t going to be released in the short term. That takes weeks, months, many months for it to start to peter into the supply chain. So I just feel that there’s more upside probability than downside. And I look at these things in terms of probability.
So I would say I’m not sweating right now. I’m sort of scratching, itching a bit. And when it gets to 80 again, I will start to sweat, but I won’t be selling. When it gets towards a hundred, then I really, you’ll see you know be really flooding of off me when we’re in the 90s. But I, I see the logic for 120. I see the logic for 200. After 200 I, I start not seeing the logic. But you know, it’s, it’s, there is some very interesting upside there and therefore I am hanging on in and I, I don’t like to do that.
That’s against my general nature to going for every, every every dollar of profit now an interesting way of looking at it and I’ve never really been able, able to it suit my psychology and that is, you know, 90% of the way up is if you sold is the same as 10% off the high. So if you’re brave and you got the constitution for it, you can wait for the high and then sell afterwards because it’s not doesn’t often come down like a rock. It tends to come up and then ah and, and, and make a couple of tops before or near tops before it comes off.
So if you’re the sort of person that’s really wants to hang on tough, you would wait for the high and then just sit around for a bit until you’re sure that that was the high and then get out. Because 90% is the same as 100% minus 10, isn’t it? And some people actually do it that way. Personally that’s not for me. But that is one way what we’re witnessing isn’t just a rally. It’s a full blown rerating of silver’s value on a global scale. For decades, silver was priced like a second tier asset, volatile, overlooked, often dismissed as gold’s little brother.
But that narrative is dead. And what’s replacing it is far more powerful silver as a cornerstone of both the future economy and national security. The financial system is undergoing a foundational reset. Trust in fiat currencies is eroding. Inflation, once thought to be transitory, has dug in its heels. Central banks are quietly moving out of paper assets and into hard stores of value. But they’re not just buying gold, they’re buying everything tangible. And silver is now squarely in their crosshairs. And it’s not just the government players. Institutional money, long hesitant on silver, is starting to trickle in.
Not with speculative fervor, but with the slow, quiet intensity of serious capital repositioning. Wealth managers who once scoffed at the white metal are now realizing that silver is the rare asset that offers both economic utility and monetary insurance. And as silver sheds its legacy pricing model, the market is waking up to a simple the old valuations no longer apply. Clem Chambers is seeing this shift clearly. He’s not projecting $92 as a top, he’s identifying it as a step in a larger repricing mechanism. When assets go through a RE rating, the market doesn’t ask what they used to be worth, it starts asking what they’re worth now in this new paradigm and for Silver, the answer might be far higher than anyone’s ready to admit.
I think 2026 is going to be very strong, very, very strong for the markets. So it’s about being diversified, managing your risk, knowing why you buy things, not doing any fomo, in fact, really not taking any tips, just doing your own research, looking around, hunting for the right opportunities and building up a diversified portfolio of those opportunities and then carefully watching them. It’s really, it’s a, it’s a skill game, it’s absolute skill game. You know, it doesn’t matter how many much advice you get from a tennis player, if you play Federer, you’re going to be destroyed.
So don’t play in for that, for money and don’t ask for anybody’s opinion on how to play tennis. You know, it’s a skill game and it’s all about practice and it’s all about hard work and diligence and the right tools. And if you put those things together and consider it a pastime, then you’ll do very, very well. And you know, if you treat the market like a casino, it’ll treat you like a stupid punter. And if you treat it like a, like a farm and you farm it, you’ll do very well. You’ll get a crop for sure.
Clem Chambers didn’t pull his $92 prediction out of thin air. And he certainly isn’t alone in thinking sil much further to run. In fact, when you stack his forecast against other top tier projections, his outlook starts to look downright conservative. Take Ross Norman for example, the renowned precious metals analyst with nearly three decades of experience in forecasting market pivots. In his 2026 LBMA forecast, Norman pegged silver’s average at $122 with a high of $165. Let that sink in. That’s not a fringe opinion, that’s a central estimate from one of the industry’s most seasoned voices. Chambers is simply pointing to the same trajectory but from a different angle.
What makes his view so compelling is that it cuts through the noise. He’s not distracted by daily volatility or short term corrections. He’s watching the macro trends, the collapsing trust in paper assets, the weaponization of commodities, the rise in strategic stockpiling and connecting the dots. Silver isn’t just creeping higher, it’s being dragged upward by unstoppable forces. The market may still be slow to adjust, but Chambers sees the writing on the wall. This isn’t a rally, it’s a repricing. And if someone like Ross Norman says $165 is on the table, then Clem’s $92 is still cheap message suddenly doesn’t sound so shocking.
It sounds like the beginning of a much larger move, one that could catch nearly everyone off guard except those paying close attention. If I had not got back in the market in 2008 after the crash in the financial crisis, I would have missed, I say this is where I go, well, Mr. Bond, I would have missed the biggest stock market rally in history. So, you know, talking about crashes, stock market crashes all the time, like so many pundits do, is just ridiculous. And if you take a notice of them, you’ll be a very, very sad, bitter person rather than somebody with a huge pile of cash from getting back in the market and leaving it there.
So don’t think about crashes, think about opportunities. AI is the biggest opportunity in my lifetime for humanity and it’s about productivity and it will drive massive GDP growth and they’re going to spend, you know, trillions building it out, which is going to cause an economic boom which is then going to feed back in from AI back into productivity. So we’re in a new era of economic growth here, not the era of, you know, blooming Facebook, eating all our productivity and us wondering why we’ve got no growth. Meanwhile everybody’s staring at their mobile phones, not doing anything.
Yeah, this is a real game changer. So to believe that AI somehow a bubble. Yes, the numbers are mind blowing. But tell me, when you use AI aren’t you mind blown? It’s just the most amazing thing and it’s going to do amazing things and it’s going to revolutionize the whole economy. Look, the steam engine was artificial muscle and it changed the world from a place where you live to 47. And all your children died before they were five. Apart from a couple. Yeah. To the world now where we live to 80 plus and you know, no children die before 5.
Well, imagine what artificial brain’s going to do. Yeah, Is this going to do 10x of that? It changes everything. So, okay, maybe there might be a funny little wobble in the stock market and the.com boom, which was all about really not that much productivity. Gans. Well, there’s a little bit of a wobble to say the least. But all the giant companies that are in the, that came out the dot com boom and its aftermath are now the biggest companies in the world. Yeah. And that is what’s going to happen with AI. And because of that, you know, you don’t need to worry about the AI future.
You need to worry about getting on the right stocks and being in the right things to make your life changing sums. Don’t you agree, Mr. Tigger Winkles? Come on, get down. Clem chambers isn’t calling $92 silver a bargain because he’s chasing headlines. He’s doing it because he understands exactly where this market is heading. In his view, what we’re witnessing is the start of a repricing era, not the end of a rally. Silver has outgrown its old identity. It’s no longer just a hedge or a niche industrial input. It’s become a linchpin in a world scrambling for tangible value and strategic resources.
The forces driving this shift, decades of supply deficits, explosive industrial demand, geopolitical fractures and central bank accumulation aren’t going away, they’re only intensifying. To the average investor, $92 feels expensive. But to those watching the tectonic plates of the financial world shift beneath their feet, it’s clear silver’s true value hasn’t even been recognized yet. Ross Norman sees the potential for $165. The physical market is tightening by the week and nations are quietly turning silver into a matter of national interest. That’s the world Clem Chambers is speaking to. That’s the backdrop for his so called shocking call. So if you’re still looking at silver through the lens of the past, it’s time to update your perspective.
Because in this new era, $92 might be remembered as the last cheap price we ever saw. If you want to stay ahead of what’s coming, make sure you subscribe and prepare for what could be the biggest commodity shift of our time. And remember, this is not financial advice. Always do your own research and speak to a professional before making investment decisions.
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