That is correct. Fiberglass media is practically worthless though.
Recently purchased a custom made aluminum frame filter with screen and hinged sides. Am I correct in assuming that the direction of air flow should be first through the filter material and then screen with screen closest to coil
economic collapse is a certainty. debt based fiat currency monetary systems can never continue indefinitely because they require continuous creation of new debt to service the existing debt. in the absence of economical growth (which is always predicated on increased resource extraction rather than capital alone), this leads to massive inflation which destroys the currency.
your leaders can't fix this - they're corrupt and only exist to enrich themselves and their corporate friends.