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					Originally Posted by  fishpoopoo
					 
				 
				spence, 
 
1. you're not getting any real return after inflation, the true handle of which is 9% or more. 
			
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 Probably true, but I'm certainly not out to maxamize my return but keep things simple. I agree there's a chance banks could flounder, but I'm hoping for the best. 
-spence